FinScope 2020
Financial Inclusion in Rwanda
Rwanda, 2020
Get MicrodataIdentification
RWA_2020_RFS_v01_M
FinScope 2020
Financial Inclusion in Rwanda
| Name | Country code |
|---|---|
| Rwanda | RWA |
Socio-Economic/Monitoring Survey [hh/sems]
The first implementation of the FinScope survey Rwanda in 2008 was driven by a lack of credible information to guide policy interventions and financial service providers in their efforts to expand the reach and depth of the Rwandan financial system. This decision to implement FinScope Rwanda 2008 was urged by the BNR as the overall custodian of Rwanda’s financial sector. In pursuit of their objective of removing systemic barriers to uptake of financial services, Access to Finance Rwanda (AFR) needed to obtain information about how the landscape of access to, and usage of, financial services has changed since 2008. AFR therefore commissioned a follow-up survey in 2012 and 2016. In partnership the with Government of Rwanda, AFR initiated the fourth FinScope survey with an intention to continue measuring progress in the financial inclusion.
FinScope 2020 is expected to illustrate how many adults Rwandan were linked to financial inclusion specifically formal accounts through different sector interventions.
The FinScope survey provides a holistic understanding of how individuals generate an income and how they manage their financial lives. It identifies the factors that drive financial behaviour and those that prevent individuals from using financial products and services. Implementing the FinScope survey over time provides the opportunity to assess whether, and how, a country's situation changes.
The main objective of the FinScope Rwanda 2020 survey was to:
• Describe the levels of financial inclusion (i.e. levels of access to financial products and services – both formal and informal)
• Describe the landscape of access (i.e. the type of products and services used by financially included individuals)
• Identify the drivers of, and barriers to, financial access
• Assess trends/changes over time (from 2016)
• Stimulate evidence-based dialogue that will lead to effective public and private sector interventions in order to increase and deepen financial inclusion
• Provide information on new opportunities for increased financial inclusion and the extent to which financial services are meeting Rwandans’ needs.
Sample survey data [ssd]
Basic units of analyisis were individuals and households.
Version
Version 01. Edited, anonymous dataset for public use.
2020-06-01
Scope
FinScope Rwanda 2020 survey covered:
- The Household Characteristics,
- Access to infrastructures,
- Financial capacity,
- Money Management-Borrowing
- Money Managemen- Risk &Risk Mitigation
- Money Managemen- Remittances
- Bank Penetration
- Informal Products
- Farming
- Income and Expenditure, and General information.
Coverage
FinScope data are at the national level coverage
The target population eligible for FinScope survey is every 16 years old and above resident in selected households
Producers and sponsors
| Name | Affiliation |
|---|---|
| Access to Finance Rwanda (AFR) | GoR |
| Name | Affiliation | Role |
|---|---|---|
| Ministry of Finance and Economic Planning | GoR | Technical Partner |
| National Bank of Rwanda | Ministry of Finance and Economic Planning | Technical Partner |
| National Institute of statistics of Rwanda | Ministry of Finance and Economic Planning | Technical assistance in Questionnaire Design and Sampling methodology |
| Centre for Economic and Social Studies | NGO | Technical assistance in Questionnaire Design, Data Collection and data processing |
| Finmark Trust | NGO | Technical assistance in Data analysis |
| Name | Role |
|---|---|
| Government of Rwanda | Funding |
| United Kingdom’s Department for International Development | Funding |
| United States Agency for International Development | Funding |
| Sweden | Funding |
| The Master Card Foundation | Funding |
| Access to Finance Rwanda | Funding |
Sampling
FinScope Rwanda 2020 is representative at national, urban/rural and district levels. The sampling frame was provided by National Institute of Statistics. The sample was designed according to the latest Census through the listing information conducted in the selected Enumeration Areas (EA). All households in the selected EAs were listed. As such about 158 386 households were listed. Within each selected EAs, sixteen households were randomly selected from the listed households. Within the selected households, individual respondents were randomly selected using the automated Kish Grid. A total of 12,480 interviews were conducted during September to November 2019.
The FinScope Survey 2020 is designed to represent the current household-based population of Rwanda. A stratified multi-stage sample design was used for the FinScope Survey, based on the NISR 2012 Rwanda Census frame. The weights for the FinScope Survey 2020 calculated based on the probabilities of selection from each sampling stage. In this case the number of sample clusters in each district corresponds to the number of clusters enumerated. This ensured that the data weighted up to represent the total household-based population in Rwanda.
The data was weighted and benchmarked to the 2016/17 Integrated Household Survey (EICV5)
Survey instrument
The questionnaire was drafted in English and translated into Kinyarwanda. An instruction manual was developed in order to guide the enumerators how to use better the questionnaire and conduct interviews.
The modules of the questionnaire to be collected in the FinScope Customer Survey 2020 are as follows:
Module A Localization and Identification of the Household
Module B Household Register
Module C Household Information and Demographics
Module D Access to Infrastructure
Module E Financial Capacity
Module F E-Payments and Mobile Money
Module G Money Management – Saving/Investment
Module H Money Management – Borrowing
Module I Money Management – Risk and Risk Management
Module J Money Management – Remittances
Module K Banking
Module L Informal Products
Module M Farming
Module N Income and Expenditures
Module O General Information
Data collection
| Start | End | Cycle |
|---|---|---|
| 2020 | 2020 | NA |
- Face-to-face [f2f]
| Name | Affiliation |
|---|---|
| Centre for Economic and Social Studies | Access to Finance Rwanda |
In order to complete 12,480 interviews with adults aged 16 years and above in their respective households distributed in all the districts (30) of Rwanda, 63 Enumerators were used during 42 days of data collection. The fieldwork lasted 42 days, including 40 days of data collection, one (1) day dedicated for teams' deployment, and another (1) day for redeployment of teams in districts. For practical and logistical purposes, two pair teams (one team of 4 enumerators) were deployed together moving from one area to another using one vehicle. Each field team deployed consists of one (1) Field Supervisor, one (1) Quality control(QC) interviewer, and Interviewers. In total there were 15 teams,15 Field Supervisors, 15 QC Interviewers, and 63 Enumerators to complete the work.
Rigorous field supervision was provided throughout the course of fieldwork by several layers of supervisory staff in order to ensure the quality of the data. The front lines for data quality assurance in the field were Field Supervisors. The Field Supervisor and the quality control Interviewer were observing interviews conducted by interviewers. The quality control Interviewer was responsible to review each questionnaire summary closely and will present findings to the Field Supervisor prior to the latter's transmission of the data. The Field Supervisors also was to observe all interviewers as they conduct some interviews, spot check a random sample of interviewed households, and provide additional instruction to Interviewers as needed. Field Quality control supervision teams were visiting the field teams during the course of fieldwork to provide supervision and additional quality assurance.
To complement and verify these quality control measures, Access to Finance Rwanda (AFR) and Yakini conducted independent field visits to verify field teams' implementation of the survey methodology and the interviewing process. Spot checks were also carried out on a number of completed questionnaires to assess completeness and logical consistency of interview data.
Training of enumerators was based on the interviewer's manual and covered:
Introduction to the survey: survey objectives, sample, survey modules, survey implementation, confidentiality, interviewer's role;
Conducting the interview: approaching the household, ensuring privacy, asking questions, differences between the printed questionnaire and the tablet screens;
Questionnaire content: location identifiers, household roster, survey modules details.
Fieldwork procedures: field team members' roles and responsibilities, reporting to the field supervisor, ensuring high data quality,
Entering and managing data on the tablet: tablet and screen components, starting a record on the tablet, general navigation, advancing through modules and groups, entering responses;
Completing modules: general instructions, how to administer each module/ask questions/enter responses (question by question);
Hands-on training: Hands-on-training with survey instrument on tablets complete with mock interviews and practice sessions and the use of all technical equipment required for survey implementation;
At the conclusion of the interviewers' training, the entire field team conducted a pilot test of all survey procedures, logistics, systems, the revised instrument, and the translations. The pilot test was conducted in urban and rural areas that are not part of the sample. The pilot test lasted one week. At the end of each day, all people participating in the pilot test were meeting to discuss issues and challenges, and suggest solutions to be tested on subsequent days.
At the conclusion of the pilot, all proposed changes to the survey instrument, translations, procedures, logistics, and systems were documented and prioritized. The AFR and FinMark Trust worked with the CESS Survey Director, Field Manager and QCS specialists to revise the survey instruments.
Data Access
| Name | Affiliation | URL | |
|---|---|---|---|
| National Institute of Statistics of Rwanda | Ministry of Finance and Economic Planning | https://microdata.statistics.gov.rw/index.php/catalog | info@statistics.gov.rw |
| Is signing of a confidentiality declaration required? | Confidentiality declaration text |
|---|---|
| yes | Confidentiality of respondents is guaranteed by low N° 45/2013 OF 16/06/2013 in it's article 17, before being granted access to the dataset , all users have to formally agree: 1. To make no copies of any files or portions of files to which s/he is granted access except those authorized by the data depositor. 2. Not to use any technique in an attempt to learn the identity of ny person, establishment, or sampling unit not identified on public use data files. 3. To hold in strictest confidence the identification of any establishment or individual that may be inadvertently revealed in any documents ordiscussion, oranalysis. Such inadvertent identification revealed in her/his analysis will be immediate brought to the attention of the data. |
Public use file, access to all
Access to Finance Rwanda. FinScope Rwanda Survey 2020
Disclaimer and copyrights
2020, Access to Finance Rwanda.
Contacts
| Name | Affiliation | URL | |
|---|---|---|---|
| Data Portals Management Officer | National Institute of Statistics of Rwanda | nada.rwanda@statistics.gov.rw | http://www.statistics.gov.rw/ |
Metadata production
DDI_RWA_2020_RFS_v01_M
| Name | Affiliation | Role |
|---|---|---|
| National Institute of Statistics of Rwanda | Ministry of Finance and Economic Planning | Metadata documentation |
| Development Data Group | The World Bank | Metadata adapted for World Bank Microdata Library |
2023-08-02
Metadata version
Version 01 (August 2023): This metadata was downloaded from the Rwanda NISR catalog (https://microdata.statistics.gov.rw/index.php/catalog) and it is identical to Rwanda NISR version (RWA-NISR-RFS-2020-v1). The following two metadata fields were edited - Document ID and Survey ID.