{"type":"survey","doc_desc":{"title":"JOR_2016_DR-BL_v01_M","idno":"DDI_JOR_2016_DR-BL_v01_M_WB","producers":[{"name":"Development Economics Data Group","abbreviation":"DECDG","affiliation":"The World Bank","role":"Documentation of the DDI"}],"prod_date":"2017-07-20","version_statement":{"version":"Version 01 (July 2017)"}},"study_desc":{"title_statement":{"idno":"JOR_2016_DR-BL_v01_M","title":"Comprehensive Baseline Study on Digital Remittances 2016","sub_title":"Demand-side Survey of Low-income Jordanians and Syrian Refugees in Jordan","alt_title":"DR- BL 2016"},"authoring_entity":[{"name":"IPSOS Public Affairs, IPSOS Jordan","affiliation":""}],"production_statement":{"producers":[{"name":"Deutsche Gesellschaft f\u00fcr Internationale Zusammenarbeit, Jordan office","affiliation":"","role":"Participation in questionnaire design"},{"name":"Consultative Group to Assist the Poor","affiliation":"The World Bank","role":"Participation in questionnaire design"}],"funding_agencies":[{"name":"Consultative Group to Assist the Poor","abbreviation":"CGAP","role":""},{"name":"Deutsche Gesellschaft f\u00fcr Internationale Zusammenarbeit","abbreviation":"GIZ","role":""}]},"distribution_statement":{"contact":[{"name":"Microdata Library","affiliation":"World Bank","email":"","uri":"microdata.worldbank.org"}]},"series_statement":{"series_name":"Other Household Survey","series_info":"This is the baseline survey."},"study_info":{"abstract":"The Consultative Group to Assist the Poor (CGAP) and Deutsche Gesellschaft f\u00fcr Internationale Zusammenarbeit (GIZ) have conducted a baseline demand-side study of person-to-person (P2P) remittances in Jordan to gather insight into existing customers, non-customers and potential customers. This study informed the implementation of a larger project to improve access to remittances and other financial services through digital solutions for financially excluded groups. The focal population for this study was low-income Jordanians (defined as those with a monthly household income of under 400 Jordanian Dinars) and Syrian refugees who have been in Jordan for at least a year.\n\nThe study focused on remittance activity and awareness and access to technology, with market forecasting for a digital remittance product. Key findings elicited insights into potential barriers to a digital remittance product, as well as enabling factors, and revealed a small market opportunity.","coll_dates":[{"start":"2016-05-26","end":"2016-06-05","cycle":"Wave 1 (pre-Ramadan)"},{"start":"2016-07-10","end":"2016-07-31","cycle":"Wave 2 (post-Ramadan)"}],"nation":[{"name":"Jordan","abbreviation":"JOR"}],"geog_coverage":"West Amman, East Amman, Irbid, Zarqa, Mafraq, Karak, Ma\u2019an, Azraq refugee camp, Zaatari refugee camp","analysis_unit":"Individuals, households","universe":"Low-income Jordanians and Syrian refugees","data_kind":"Sample survey data [ssd]","notes":"Section One: Screener\n\u2022 Nationality\n\u2022 Location inside or outside of camps (for Syrian refugees)\n\u2022 Location in Jordan\n\u2022 Age\n\u2022 Gender\n\u2022 Monthly household income\n\u2022 Monthly individual income\n\nSection Two: Household Income and Finances\n\u2022 Types of household and individual income earned\n\u2022 Confirmation of monthly household and individual income\n\u2022 Method of receiving income for each type of income selected\n\u2022 Location of income received for each type of income selected\n\u2022 Variation of household income\n\u2022 Action taken with leftover money\n\nSection Three: Opinions About Financial Institutions and Services\n\u2022 Awareness of different financial institutions and services\n\u2022 Usage of financial institutions and services, for each service that respondent was aware of\n\u2022 Use of forms of financing and insurance\n\u2022 Ownership of financial services that respondent reported using\n\u2022 Location of financial services that respondent reported using\n\u2022 Perceived trustworthiness of financial services that respondent reported using\n\u2022 Reasons for not using specific financial services or institutions, for each financial service respondent reported not using\n\u2022 Desire to learn more about financial services and institutions not used\n\nSection Four: Mobile Wallet\n\u2022 Ability to name mobile wallet services in an unprompted manner\n\u2022 Awareness of other people who have mobile wallet services\n\u2022 Type of ID required to open mobile wallet account, if respondent reported using it in Section 3\n\nSection Five: Remittances Screener\n\u2022 Reported giving or sending of money to relatives or friends in the past year\n\u2022 For those who reported giving or sending money, location of money sent (up to 3 locations domestically and 3 locations internationally possible)\n\u2022 Reported receiving of money from relatives or friends in the past year\n\u2022 For those who reported receiving money, location of money sent (up to 3 locations domestically and 3 locations internationally possible)\n\nSection Six: Remittances Sent\n\u2022 Purpose of money sent, for each location reported in Section 5\n\u2022 Frequency of money sent, for each location reported in Section 5\n\u2022 Total value of money sent, for each location reported in Section 5\n\u2022 Amount of money per transaction, for each location reported in Section 5\n\u2022 Amount of fees paid per transaction, for each location reported in Section 5\n\u2022 Minimum amount of money sent, for each location reported in Section 5\n\u2022 Person money sent to, for each location reported in Section 5\n\u2022 Method of sending money, for each location reported in Section 5\n\u2022 Name of service used, for each location reported in Section 5\n\u2022 Method recipient uses to receive money sent to them, for each location reported in Section 5\n\u2022 Name of mobile wallet service used, of those who reported using a mobile wallet as the method of sending money\n\u2022 Reason for choosing service, for each method selected for sending money\n\u2022 Dissatisfaction with service, for each method selected for sending money\n\u2022 Cost of services for methods selected for sending money\n\u2022 Length of time for money to be transferred, for methods selected for sending money\n\u2022 Problems experienced when trying to send money, for each location reported in Section 5\n\nSection Seven: Remittances Received\n\u2022 Purpose of money received, for each location reported in Section 5\n\u2022 Frequency of money received, for each location reported in Section 5\n\u2022 Total value of money received, for each location reported in Section 5\n\u2022 Amount of money per transaction, for each location reported in Section 5\n\u2022 Amount of fees paid per transaction, for each location reported in Section 5\n\u2022 Minimum amount of money received, for each location reported in Section 5\n\u2022 Person money received from, for each location reported in Section 5\n\u2022 Method of receiving money, for each location reported in Section 5\n\u2022 Name of service used, for each location reported in Section 5\n\u2022 Method sender uses to send money received, for each location reported in Section 5\n\u2022 Name of mobile wallet service used, of those who reported using a mobile wallet as the method of receiving money\n\u2022 Reason for choosing service, for each method selected for receiving money\n\u2022 Dissatisfaction with service, for each method selected for receiving money\n\u2022 Cost of services for methods selected for receiving money\n\u2022 Length of time for money to be transferred, for methods selected for receiving money\n\u2022 Problems experienced when trying to receive money, for each location reported in Section 5\n\nSection Eight: Information and Technology\n\u2022 Access to mobile phones\n\u2022 Ownership of SIM cards for shared phones\n\u2022 Activities on mobile phones\n\u2022 Frequency of internet access\n\u2022 Perceived trustworthiness of different sources of information on financial products and services\n\nSection Nine: Potential Services\n\u2022 Reasons for instances in the past year when respondent wanted to receive money domestically and internationally, but couldn\u2019t\n\u2022 Reasons for instances in the past year when respondent wanted to send money domestically and internationally, but couldn\u2019t\n\u2022 Prompted awareness of mobile wallets\n\u2022 Prompted awareness of specific mobile wallet services\n\u2022 Concept testing for sending money internationally\n\u2022 Concept testing for sending money domestically\n\u2022 Concept testing for receiving money internationally\n\u2022 Concept testing for receiving money domestically\n\u2022 Ideal length of time it takes to both send and receive money\n\u2022 Ideal length of transaction time to both send and receive money\n\u2022 Ideal travel cost \n\u2022 Ideal transaction cost\n\nSection Ten: Demographics\n\u2022 Highest level of education completed\n\u2022 Current work situation\n\u2022 Size of household\n\u2022 Person in household responsible for making financial decisions\n\u2022 Number of financial connections outside of the household\n\u2022 Number of people financially responsible for\n\u2022 Location of people financially responsible for\n\u2022 Location in Jordan of people financially responsible for\n\u2022 Number of people financially dependent on\n\u2022 Location of people financially dependent on\n\u2022 Location in Jordan on individuals financially dependent on\n\u2022 Home in Syria (for Syrian refugees)\n\u2022 General numeracy skills\n\u2022 Current identification in possession\n\u2022 Permission to work in Jordan (for Syrian refugees)"},"method":{"data_collection":{"data_collectors":[{"name":"IPSOS Jordan","abbreviation":"","affiliation":""}],"sampling_procedure":"The quantitative survey consisted of two independent samples: \n\n\u2022 n= 1,091 low-income Jordanians (defined as those with less than 400JD of household income per month) \n\u2022 n= 1,041 Syrian refugees living in Jordan \n \nQuotas were used for both groups so the sample better represented available univariate population data in terms of geographic distribution, age and gender. \nRefer to \u201cDigittances Quantitative Data User Guide\u201d for more information.","coll_mode":"Face-to-face [f2f]","research_instrument":"Refer to \u201cDigittances Quantitative Data User Guide\u201d","coll_situation":"The quantitative interviews were carried out face-to-face using computer assisted personal interviewing (CAPI) between 11th and 25th of June 2016, and 15th July and 9th of August 2016.6 To ensure data quality, 29% of face-to-face interviews were accompanied by a supervisor, and call-backs were made to 43% of the sample to verify responses. The final data were not weighted since overall population data are unreliable and thus are not suitable for use as weighting targets. All interviews were conducted in Arabic by native speakers.","act_min":"Refer to \u201cDigittances Quantitative Data User Guide\u201d","weight":"No weighting applied","cleaning_operations":"In addition to the quality control conducted during fieldwork, data cleaning was conducted after fieldwork was completed. This included checks for internal consistency, missing variables, blank variables, and outliers. Ipsos data storage is audited annually as part of our ISO 27001 and 20252 accreditations and is compatible with security accreditation.","method_notes":"Quality Control Procedures \nPre-Fieldwork Quality control starts at the pre-fieldwork stage, where certain checks are built into the survey programming that help to prevent human data entry error. Interviewers are briefed on the instrument as specified above and receive special skills-based training on how to communicate with lower-income segments. Strategies such as practice interviewing are typically used. However, this was not possible because of the condensed timeline of the study.  \n \nDuring Fieldwork Ipsos reviews data on a daily basis to monitor incoming data for broad trends that would indicate the questionnaire is being interpreted or administered wrong. In the case of this study, no issues were flagged. If any issue had been identified, call-backs would be conducted to re-administer the relevant sections of the survey and confirm responses for missing answers or those that seemed inaccurate. If responses are unable to be confirmed, or still have outstanding logic issues or missing answers, they are dropped from the study and replaced. There were no cases of this for this study.  \nTo ensure the quality of information collected in field, several quality assurance procedures were put in place. As noted above, 43% of the sample was randomly selected for a callback to verify responses given in specific sections, and 29% of interviews were accompanied by a supervisor. Supervisors applied routing checks to 5% of all interviews to ensure that interviewers were beginning at the specific starting points and applying all random walk procedures.\n\nPost-Fieldwork After fieldwork was complete, the data file was checked for overall logic and completeness \u2013 these checks were focused on demographic data and called back for validation or dropped from the sample."}},"data_access":{"dataset_use":{"cit_req":"Use of the dataset must be acknowledged using a citation which would include:\n- the Identification of the Primary Investigator\n- the title of the survey (including country, acronym and year of implementation)\n- the survey reference number\n- the source and date of download\n\nExample:\n\nIPSOS Jordan, Deutsche Gesellschaft f\u00fcr Internationale Zusammenarbeit (GIZ), Consultative Group to Assist the Poor(CGAP). Comprehensive Baseline Study on Digital Remittances 2016, Demand-side survey of low-income Jordanians and Syrian refugees in Jordan Sample survey, 2016. Ref. JOR_2016_DR-BL_v01_M. Downloaded from [URL] on [Date]","conditions":"Direct access","disclaimer":"The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses."}}},"schematype":"survey","data_files":[{"file_id":"F1","file_name":"cgap_final_edits_filtered_v2_edited","description":"This data includes demographic information on respondents, information on remittance activity and level of awareness and use of financial services. \nThe dataset consists of the following ten sections: \nSection One: Screener \nSection Two: Household Income and Finances \nSection Three: Opinions About Financial Institutions and Services\nSection Four: Mobile Wallet \nSection Five: Remittances Screener \nSection Six: Remittances Sent\nSection Seven: Remittances Received \nSection Eight: Information and Technology \nSection Nine: Potential Services \nSection Ten: Demographics","case_count":2132,"var_count":14633,"producer":null,"data_checks":null,"version":null,"notes":null,"metadata":null}],"variables":[{"file_id":"F1","vid":"V1","name":"COMPLETE","var_intrvl":"discrete","var_dcml":"0","var_wgt":null,"var_is_wgt":null,"loc_start_pos":"1","loc_end_pos":"1","loc_width":"1","loc_rec_seg_no":"1","labl":"COMPLETE.","var_imputation":null,"var_security":null,"var_resp_unit":null,"var_analysis_unit":null,"var_qstn_preqtxt":null,"var_qstn_qstnlit":null,"var_qstn_postqtxt":null,"var_qstn_ivuinstr":null,"var_universe":null,"var_universe_clusion":null,"var_sumstat":[{"value":"2132","type":"vald","wgtd":null},{"value":"0","type":"invd","wgtd":null},{"value":"1","type":"min","wgtd":null},{"value":"1","type":"max","wgtd":null}],"var_txt":null,"var_catgry":[{"value":"1","labl":null,"is_missing":null,"stats":[{"value":"2132","type":"freq","wgtd":null}]}],"var_codinstr":null,"var_concept":[],"var_format":{"type":"numeric","schema":"other","category":null,"name":null},"var_notes":null,"var_val_range":{"min":"1","max":"1"},"fid":"F1"},{"file_id":"F1","vid":"V2","name":"D1","var_intrvl":"discrete","var_dcml":"0","var_wgt":null,"var_is_wgt":null,"loc_start_pos":"2","loc_end_pos":"3","loc_width":"2","loc_rec_seg_no":"1","labl":"D1. 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