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FinScope 2020
Financial Inclusion in Rwanda

Rwanda, 2020
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RWA_2020_RFS_v01_M
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Access to Finance Rwanda (AFR)
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Created on
Aug 03, 2023
Last modified
Aug 03, 2023
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Data file: data-rfs-2020-v01

Cases: 12480
Variables: 1314

Variables

UF3_16_02
UF3. Documents required when opened: None_Microfinance institution
UF3_16_03
UF3. Documents required when opened: None_Non-Deposit Taking Lending Financial (
UF3_16_04
UF3. Documents required when opened: None_ Mobile money operator
UF3_16_05
UF3. Documents required when opened: None_Umurenge SACCO
UF3_16_06
UF3. Documents required when opened: None_Insurance provider
UF3_16_07
UF3. Documents required when opened: None_Pension fund administrator
UF3_16_08
UF3. Documents required when opened: None_Savings group that you save with or bo
UF3_16_09
UF3. Documents required when opened: None_Village/community association
UF3_16_10
UF3. Documents required when opened: None_ None of the above
UF4_1_01
UF4. Savings accounts with - Commercial Bank
UF4_1_02
UF4. Savings accounts with - Microfinance institution
UF4_1_03
UF4. Savings accounts with - Non-Deposit Taking Lending Financial (NDFI)
UF4_1_04
UF4. Savings accounts with - Mobile money operator
UF4_1_05
UF4. Savings accounts with - SACCO
UF4_1_06
UF4. Savings accounts with - Insurance provider
UF4_1_07
UF4. Savings accounts with - Pension fund administrator
UF4_1_08
UF4. Savings accounts with - Savings group that you save with or borrow from
UF4_1_09
UF4. Savings accounts with - Village/community association
UF4_1_10
UF4. Savings accounts with - None of the above
UF4_2_01
UF4. Current accounts with - Commercial Bank
UF4_2_02
UF4. Current accounts with - Microfinance institution
UF4_2_03
UF4. Current accounts with - Non-Deposit Taking Lending Financial (NDFI)
UF4_2_04
UF4. Current accounts with - Mobile money operator
UF4_2_05
UF4. Current accounts with - Umurenge SACCO
UF4_2_06
UF4. Current accounts with - Insurance provider
UF4_2_07
UF4. Current accounts with - Pension fund administrator
UF4_2_08
UF4. Current accounts with - Savings group that you save with or borrow from
UF4_2_09
UF4. Current accounts with - Village/community association
UF4_2_10
UF4. Current accounts - None of the above
UF4_3_01
UF4. Fixed deposits with - Commercial Bank
UF4_3_02
UF4. Fixed deposits with - Microfinance institution
UF4_3_03
UF4. Fixed deposits with - Non-Deposit Taking Lending Financial (NDFI)
UF4_3_04
UF4. Fixed deposits with - Mobile money operator
UF4_3_05
UF4. Fixed deposits with - Umurenge SACCO
UF4_3_06
UF4. Fixed deposits with - Insurance provider
UF4_3_07
UF4. Fixed deposits with - Pension fund administrator
UF4_3_08
UF4. Fixed deposits with - Savings group that you save with or borrow from
UF4_3_09
UF4. Fixed deposits with - Village/community association
UF4_3_10
UF4. Fixed deposits with - None of the above
UF4_4_01
UF4. Outstanding loans with - Commercial Bank
UF4_4_02
UF4. Outstanding loans with - Outstanding loans_Microfinance institution
UF4_4_03
UF4. Outstanding loans with - Outstanding loans_Non-Deposit Taking Lending Finan
UF4_4_04
UF4. Outstanding loans with - Outstanding loans_ Mobile money operator
UF4_4_05
UF4. Outstanding loans with - Outstanding loans_Umurenge SACCO
UF4_4_06
UF4. Outstanding loans with - Outstanding loans_Insurance provider
UF4_4_07
UF4. Outstanding loans with - Outstanding loans_Pension fund administrator
UF4_4_08
UF4. Outstanding loans with - Outstanding loans_Savings group that you save with
UF4_4_09
UF4. Outstanding loans with - Outstanding loans_Village/community association
UF4_4_10
UF4. Outstanding loans with - Outstanding loans_ None of the above
G1
G1. Savings - Different ways of describing what it means to save.
G2_1
G2. Savings statements - Going without certain things to be able to save
G2_2
G2. Savings statements - Going without certain things to be able to save
G2_3
G2. Savings statements - Better to save where money is safe than to take risks t
G2_4
G2. Savings statements - Saving for a specific purpose and do not use it for any
G2_5
G2. Savings statements - Saving for a specific purpose, but you end up using it
G2_6
G2. Savings statements - Knowing about different retirement products or packages
GS3
GS3. Shortest time for you to put money aside for it to count as savings
G3A_01
G3A. Saving with - Commercial bank
G3A_02
G3A. Saving with - MFI or a non-umurenge SACCO
G3A_03
G3A. Saving through - Mobile Money account
G3A_04
G3A. Saving through - Insurance for education
G3A_05
G3A. Saving through - Ejo Heza Fund
G3A_06
G3A. Saving through - Iterambere Fund (RNIT)
G3A_07
G3A. Saving through - Private pension like RSSB, Ituze...
G3A_08
G3A. Saving with - Saving_Umurenge SACCO
G3A_09
G3A. Saving through - Saving_capital/stock market
G3A_10
G3A. Saving with - Pension fund/provident fund
G3A_11
G3A. Saving with - a group such as a coop, VSLA, tontine, ikibina
G3A_12
G3A. Saving through - someone in community who keeps it safe for you
G3A_13
G3A. Saving with - someone in household/family who keeps it safe for you
G3A_14
G3A. Saving through buy things to sell later
G3A_15
G3A. Saving in a secret place at home
G3A_16
G3A. Saving - Other mechanism not mentioned
G3A_17
G3A. Saving with - Do not save
G3B1_01
G3.1. Savings at a bank - Where bank products held
G3B2_01
G3.1. Savings at a bank - Where bank products held
G3B1_02
G3.2. MFI - Where products held
G3B2_02
G3.2. MFI - Where products held
GS4C
GS4. Best ways/channels of saving
GS4D
GS4. Main reason you save in this way (channel)
GS5
GS5. Extent to which your saving option helps to achieve your gaols
GS6
GS6. How often do you save
GS7
GS7. How much did you save the last time
G4
G4. What are you mainly saving or putting money away for
G5_01
G5. Reason for Not saving - Never thought about it
G5_02
G5. Reason for Not saving - Prefering to spend money on other things I need more
G5_03
G5. Reason for Not saving - Prefering to invest in other things
G5_04
G5. Reason for Not saving - Children will look after me so I don?t need it
G5_05
G5. Reason for Not saving - Save in other ways
G5_06
G5. Reason for Not saving - Won't be able to access my money if I need it
G5_07
G5. Reason for Not saving - I do not want to save
G5_08
G5. Reason for Not saving - I do not need to save
G5_09
G5. Reason for Not saving - Do not know about investment and savings
G5_10
G5. Reason for Not saving - Do not have money to save or invest
G5_11
G5. Reason for Not saving - Do not have a bank account
G5_12
G5. Reason for Not saving - Too expensive
G5_13
G5. Reason for Not saving - Do not have a job
G5_14
G5. Reason for Not saving - Do not understand the investment or savings products
G5_15
G5. Reason for Not saving - Too many to choose from so get confused
G5_16
G5. Reason for Not saving - Other
G5_17
G5. Reason for Not saving - Do not know
GS8_1
GS8. Other types of savings - Property or a buildingor house
GS8_2
GS8. Other types of savings - Land
GS8_3
GS8. Other types of savings - Farming or agriculture or livestock
GS8_4
GS8. Other types of savings - Mutual funds
GS8_5
GS8. Other types of savings - Government bonds
GS8_6
GS8. Other types of savings - Shares or Stocks
GS8_7
GS8. Other types of savings - Assets such as jewellery, gold coins and others
GS8_8
GS8. Other types of savings - Fixed deposits
GS9
GS9. Having a pension fund
GS10_1
GS10. Statement about pension fund - You Know about retirement packages
GS10_2
GS10. Statement about pension fund - You are happy with age and retirement packa
GS10_3
GS10. Statement about pension fund - You understanding your pension benefits
H1_1
H1. Credit statement - You avoiding to borrow money if you can
H1_2
H1. Credit statement - You prefer to save money for something rather than borrow
H1_3
H1. Credit statement - Without borrowing money would not be able to pay for chil
H1_4
H1. Credit statement - If you borrow money it is okay to pay it a bit later than
H1_5
H1. Credit statement - Borrow money when needed is more important than money to
H1_6
H1. Credit statement - Better to keep savings than to use it to pay a debt
H1_7
H1. Credit statement - Have checked credit history through CRB
H1_8
H1. Credit statement - Be aware of the consequencies of defaulting loan
H2A
H2A. Borrowed money during the past 12 months
H2B
H2B. Main reason you have not borrowed money
H2C
H2C. Have been paying back money you borrowed from
H3
H3. Got any goods or services in advance and had to pay it later
H4A_01
H4A. Borrowed money from a bank
H4A_02
H4A. Borrowed money from a MFI or a non-umurenge SACCO
H4A_03
H4A. Borrowed money from Non-Deposit Taking Lending Financial (NDFI)
H4A_04
H4A. Borrowed money through Mobile Money credit e.g MoKash
H4A_05
H4A. Borrowed from an umurenge SACCO
H4A_06
H4A. Got a loan from Government (Ubudehe credit scheme/VUP loan)
H4A_07
H4A. Borrowed money from your employer
H4A_08
H4A. Borrowed money from a group such as a co-op, VLSA, tontine, ikibina
H4A_09
H4A. Borrowed money from a money lender in the community
H4A_10
H4A. Borrowed money/got goods in advance from an agricultural buyer or a farmer’
H4A_11
H4A. Borrowed money from a church or other community-based organisation that you
H4A_12
H4A. Borrowed money from family/friends that you had to pay back
H4A_13
H4A. Got money from family/friends that you did not have to pay back
H4A_14
H4A. Got goods in advance from a shop/store and had to pay back later
H4A_15
H4A. Borrowed money from sources not mentioned, specify
H4A_16
H4A. None borrowing
H4B1_01
H4B.1. Credit at a bank - Where bank products held
H4B2_01
H4B.2. Credit at a bank - Where bank products held
H4B1_02
H4B.1. Credit at MFI - Where credit products held
H4B2_02
H4B.2. Credit at MFI - Where credit products held
H4B1_03
H4B.1. Credit from which NDFI did you borrowed
H4B2_03
H4B.2. Credit from NDFI did you borrowed
H4B1_04
H4B.1. Credit from which MoM did you borrowed
H4B2_04
H4B.2. Credit from which other MoM did you borrowed
H4B1_05
H4B.1. Credit from which SACCO did you borrowed
H4B2_05
H4B.2. Credit from SACCO did you borrowed
H4C_TEMP
Type of institutions
H4C
H4C. Who did you borrow the most money from
H4D
H4D. Main reason of borrowing
H5
H5. What did you borrow the most money for
H6
H6. Important thing taken into account when you choose who to borrow from
H6A
H6A. To what extend borrowed money helps you to achieve your goals
H6B1
H6B. Credit statements - Were given all the key details about the account fees a
H6B2
H6B. Credit statements - Fees and charges for your loan are transparent, or at l
H6B3
H6B. Credit statements - Were charged fees you did not expect
H6B4
H6B. Credit statements - Lender unexpected withdrew money
H6B5
H6B. Credit statements - Did not fully understand the cost or fees
H6C
H6C. How evaluating amount of microcredit loan interest rate charged
H7A1
H7. Have been refused a loan at - Bank
H7A2
H7. Have been refused a loan at - SACCO
H7A3
H7. Have been refused a loan at - MFI
H7A4
H7. Have been refused a loan through - Mobile money operator
H7A5
H7. Have been refused a loan at - Savings groups
H7B
H7B. Main reason given for the refusal
H8A
H8A. How often do you borrow through your MoM operator
H8B
H8B. How much did you borrow last time through your MoM operator
I1A01
I1. Financial risk experience during the past 12 months - Member of HH lost job
I1A02
I1. Financial risk experience during the past 12 months - Serious illness of a
I1A03
I1. Financial risk experience during the past 12 months - Death of a relative o
I1A04
I1. Financial risk experience during the past 12 months - Theft of HH property
I1A05
I1. Financial risk experience during the past 12 months - Theft of business sto
I1A06
I1. Financial risk experience during the past 12 months - Theft of agricultural
I1A07
I1. Financial risk experience during the past 12 months - Loss of HH goods due
I1A08
I1. Financial risk experience during the past 12 months - Agricultural crop or
I1A09
I1. Financial risk experience during the past 12 months - Loss of an asset or d
I1A10
I1. Financial risk experience during the past 12 months - Failure of business
I1A11
I1. Financial risk experience during the past 12 months - Disability due to acc
I1A12
I1. Financial risk experience during the past 12 months - Maintenance of farmin
I1A13
I1. Financial risk experience during the past 12 months - Recession or bad econ
I1A14
I1. Financial risk experience during the past 12 months - Price increases
I1A15
I1. Financial risk experience during the past 12 months - Other
I1A16
I1. Financial risk experience during the past 12 months - Have not experienced
I1B
I1B. Had greatest impact your household's finances
II1C
I1C. What was done when experiencing this event
II1D
I1D. To what extent helped to deal with this shocks
II1E
I1E. How long did your insurance claim take to get the payment?
I2_1
I2. Insurance statement - Insurance is not a way of saving
I2_2
I2. Insurance statement - Having insurance is a good way of protecting yourself
I2_3
I2. Insurance statement - Better having savings rather than to have insurance
I2_4
I2. Insurance statement - Understand how insurance works
I2_5
I2. Insurance statement - Responsible to make arrangements for the costs of fune
II3A
I13A. Have micro_insurance products
II3B1
I13B. Type of micro insurance - Agriculture_crops
II3B2
I13B. Type of micro insurance - Agriculture_livestock
II3B3
I13B. Type of micro insurance - Other
II3C
I13C. would you be interested in micro insurance?
II3D01
I13D. Type of micro insurance interested in - Agriculture_crops
II3D02
I13D. Type of micro insurance interested in - Agriculture_livestock
II3D03
I13D. Type of micro insurance interested in - Agriculture_fisheries
II3D04
I13D. Type of micro insurance interested in - Life cover
II3D05
I13D. Type of micro insurance interested in - Funeral
II3D06
I13D. Type of micro insurance interested in - Credit or loans
II3D07
I13D. Type of micro insurance interested in - Health
II3D08
I13D. Type of micro insurance interested in - Household
II3D09
I13D. Type of micro insurance interested in - Accident
II3D10
I13D. Type of micro insurance interested in - Disability
II3D11
I13D. Type of micro insurance interested in - Business
II3D12
I13D. Type of micro insurance interested in - Other
I3A
I3A. Which of the following insurance medical do you have
I3B
I13B. Are you covered by someone else's insurance
I4_01
I4. Insurance product - Third party insurance
I4_02
I4. Insurance product - Education insurance
I4_03
I4. Insurance product - Household insurance
I4_04
I4. Insurance product - Life insurance
I4_05
I4. Insurance product - Credit life
I4_06
I4. Insurance product - CSR or RSSB
I4_07
I4. Insurance product - Private pension
I4_08
I4. Insurance product - Agriculture insurance
I4_09
I4. Insurance product - Ingoboka cash or hospital cash product
I4_10
I4. Insurance product - Other insurance product not mentioned
I5
I5. Main reason of not having Insuarance
I6
I6. Who will pay the costs associated with your funeral
J1A
J1A. In the past 6 months have sent money to someone within the country
J1B
J1B. In the past 6 months have sent money to someone outside the country
J2A11
J2A1.1. Beneficiary of the money sent - Spouse
J2A12
J2A1.2. Beneficiary of the money sent - Child
J2A13
J2A1.3. Beneficiary of the money sent - Parent
J2A14
J2A1.4. Beneficiary of the money sent - Other family member
J2A15
J2A1.5. Beneficiary of the money sent - Friend
J2A16
J2A1.6. Beneficiary of the money sent - Supplier / Business
J2A17
J2A1.7. Beneficiary of the money sent - Someone you borrow from
J2A18
J2A1.8. Beneficiary of the money sent - School, college or university
J2A19
J2A1.9. Beneficiary of the money sent - Other (specify)
J2A2
J2A.2. Person received the money MOST in the past 6 months
J2B2
J2B.2. Where did you send the money to (area)?
J2C
J2C. Frequency of sending money
J2D1
J2d1. Channel of sending money - Bank transfer / into bank account
J2D2
J2d2. Channel of sending money - Post office
J2D3
J2d3. Channel of sending money - Western Union / Money gram
J2D4
J2d4. Channel of sending money - Cell phone top-up or Me2U
J2D5
J2d5. Channel of sending money - Mobile money
J2D6
J2d6. Channel of sending money - Bus or taxi
J2D7
J2d7. Channel of sending money - Relative / friend / someone else
J2D8
J2d8. Channel of sending money - Taking money personally there
J2D9
J2d9. Channel of sending money - Other
J2E
J2E. How much did you send the last time?
J3A
J3A. In the past 6 months have received money from someone within the country
J3B
J3B. In the past 6 months have received money from someone outside the country
J4A1
J4A. Source of the money received - Spouse
J4A2
J4A. Source of the money received - Child
J4A3
J4A. Source of the money received - Parent
J4A4
J4A. Source of the money received - Other family member
J4A5
J4A. Source of the money received - Friend
J4A6
J4A. Source of the money received - Customer
J4A7
J4A. Source of the money received - Someone you lent to
J4A8
J4A. Source of the money received - Other
J4A_2
J4A.1. Where did you send the money to?
J4B
J4B. Where did you receive the money from?
J4C
J4C. How often do you send money?
J4D
J4D. Which channel do you most receive money trough?
J4E
J4E. What did you use most of the money sent you for?
J5A
J5A. Have you ever sent or received money using a mobile phone?
J5B
J5B. Sent/received money using a mobile phone in the past 6 months
J6A
J6A. Would you use a mobile phone to send money?
J6B
J6B. Reason why one would not use a mobile phone to send money
K1A
K1. Banking statements - If you are not employed you cannot open a bank account
K1B
K1. Banking statements - Having a bank account makes it easier to get credit
K1C
K1. Banking statements - You can easily live your life without a bank account
K1D
K1. Banking statements - Most services from banks are also offered elsewhere
K1E
K1. Banking statements - You trust banks with your money
K1F
K1. Banking statements - Banking is for people like me
K1G
K1. Banking statements - Banks treat people with respect
K1.2.1
K1.2.1. Do you have a bank account?
KB2
KB2. Using someone else bank account
K1.2.1.B1
K1.2.1B.1. Where bank products held
K1.2.1.B2
K1.2.1B.2. Where bank products held
KB4
KB4. How many bank accounts in different banks you have in your own name
KB5
KB5. Bank considered to be the main
KB6A
KB6A. How often do you use your main bank account?
KB6B
KB6B. Do you withdraw all your money as soon it is deposited into your bank acco
KB7A_1
KA7. Reason for not using bank account more frequently - Using my account or car
KB7A_2
KA7. Reason for not using bank account more frequently - Using my account or car
KB7A_3
KA7. Reason for not using bank account more frequently - My account or card does
KB7A_4
KA7. Reason for not using bank account more frequently - Places where I typicall
KB7A_5
KA7. Reason for not using bank account more frequently - I prefer to transact in
KB7A_6
KA7. Reason for not using bank account more frequently - I Don't trust my bank
KB7A_7
KA7. Reason for not using bank account more frequently - I do not have enough mo
KB7A_8
KA7. Reason for not using bank account more frequently - To avoid debit or stop
KB7A_9
KA7. Reason for not using bank account more frequently - Avoid illegal debit ord
KB7A_10
KA7. Reason for not using bank account more frequently - Other
KB7B_1
KB7. Reason for withdrawing all your money as soon as it is deposited - Using my
KB7B_2
KB7. Reason for withdrawing all your money as soon as it is deposited - Using my
KB7B_3
KB7. Reason for withdrawing all your money as soon as it is deposited - My accou
KB7B_4
KB7. Reason for withdrawing all your money as soon as it is deposited - Places w
KB7B_5
KB7. Reason for withdrawing all your money as soon as it is deposited - I prefer
Total: 1314
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