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

Difficulty of emergency funds in 30 days (fin24a)

Data file: Findex_Microdata_2025_updateMontenegro

Overview

Valid: 922

Invalid: 78

Minimum: 1

Maximum: 5

Type: Discrete

Decimal: 0

Width: 20

Range: 1 - 5

Format: Numeric

Questions and instructions

Literal question

How difficult would it be for you to come up with [insert 1/20 of local GNI per capita] within the next 30 days? Would it be very difficult, somewhat difficult, or not difficult at all?

Categories

Value	Category	Cases
1	Very difficult	120	13%
2	Somewhat difficult	467	50.7%
3	Not difficult at all	317	34.4%
4	Don't know	16	1.7%
5	Refused	2	0.2%
Sysmiss		78

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

Fin24 = 1,2,3,4,5, 6

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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