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

Has a credit card (fin10)

Data file: Findex_Microdata_2025_updateMontenegro

Overview

Valid: 818

Invalid: 182

Minimum: 1

Maximum: 4

Type: Discrete

Decimal: 0

Width: 12

Range: 1 - 4

Format: Numeric

Questions and instructions

Literal question

A credit card is a card that allows you to borrow money in order to make payments or buy things, and you can pay the balance off later. Do you, personally, have a credit card?

Categories

Value	Category	Cases
1	Yes	158	19.3%
2	No	656	80.2%
3	Don't know	1	0.1%
4	Refused	3	0.4%
Sysmiss		182

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

Fin1 or Fin2 = "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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