The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy

Montenegro, 2024

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Reference ID

MNE_2024_FINDEX_v02_M

Producer(s)

Development Research Group, Finance and Private Sector Development Unit

Metadata

Documentation in PDF DDI/XML JSON

Study website

Created on

Jan 05, 2026

Last modified

Jan 05, 2026

Mode of wage withdrawal from account (fin36)

Data file: Findex_Microdata_2025_updateMontenegro

Overview

Valid: 434

Invalid: 566

Minimum: 1

Maximum: 5

Type: Discrete

Decimal: 0

Width: 42

Range: 1 - 5

Format: Numeric

Questions and instructions

Literal question

When your employer has paid your salary or wages into your account, do you typically take out all this money as cash at one time or do you leave some of this money in your account?

Categories

Value	Category	Cases
1	Take out all as cash at one time	117	27%
2	Leave some money in the account	308	71%
3	Transfer money to another personal account	3	0.7%
4	Don't know	1	0.2%
5	Refused	5	1.2%
Sysmiss		566

Warning: these figures indicate the number of cases found in the data file. They cannot be interpreted as summary statistics of the population of interest.

Interviewer instructions

Fin34A or Fin34B or Fin34D = "yes"

Others

Notes

Note: "no/dk/r" indicates the response categories: no, dk="don't know" and r="refused" Words in brackets [] indicate local or economy-specific terminology.

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