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

Main source of emergency money in 30 days (fin24)

Data file: Findex_Microdata_2025_updateMontenegro

Overview

Valid: 1000

Invalid: 0

Minimum: 1

Maximum: 9

Type: Discrete

Decimal: 0

Width: 69

Range: 1 - 9

Format: Numeric

Questions and instructions

Literal question

Now, imagine that you have an emergency and you need to pay [insert 1/20 of local GNI per capita]. What would be the MAIN source of money that you would use to come up with [insert 1/20 of local GNI per capita] within the next 30 days? Please choose only one response from the following. 1. Savings 2. Family, relatives, or friends 3. Money from working 4. A loan from a financial institution, an employer, or a private lender 5. Selling something you own such as jewelrey 6. Some other source 7. I could not come up with the money

Categories

Value	Category	Cases
1	Savings	285	28.5%
2	Family, relatives, or friends	331	33.1%
3	Money from working	184	18.4%
4	A loan from a financial institution, an employer, or a private lender	71	7.1%
5	Selling something you own such as jewelery or livestock	47	4.7%
6	Some other source	4	0.4%
7	I could not come up with the money	28	2.8%
8	Don't know	45	4.5%
9	Refused	5	0.5%

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.

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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