FinScope Survey 2016

Rwanda, 2015 - 2016

Reference ID

RWA_2015_RFS_v01_M

Producer(s)

Access to Finance Rwanda (AFR)

Metadata

DDI/XML JSON

Created on

Jun 26, 2017

Last modified

Jun 26, 2017

Page views

20955

Downloads

1351

Data file: fsr-2016-data

This is an anonymized data file for FinScope 2016

Cases:	12480
Variables:	834

Variables

ID

HH_WEIGHT

Household weight

Individuals_Weight

Individual weight

A1

A2

A6

A7A

A7B

NUMHH

C1

C1. Head of the household

C1A

C1a. Age of the head of the household

C1B

C1b. Sex of the head of the household

C1C

C1c. Highest level of education of the head of the household

C1D

C1d. Does the head of the household bring money into the household?

C1E

c1e. Size of people depending on the household income

C1F

C1f. Relationship to the head of the household

C2

C2. Age of the respondent

C3

C3. Sex of the respondent

C4A

C4a. Highest level of education of the respondent

C4B

C4b. Marital status

C4C

C4c. Have any disability

C4D

C4d. Main type of disability do you have

C5A

C5a. Poverty indicators - During the past three months, you or your household had to skip a meal because you didn’t have food

C5B

C5b. Poverty indicators - During the past three months, you or your household had to go without medical treatment/medicine because did not have money for treatment/medicine

C5C

C5c. Poverty indicators - During the past three months, you or your household not been able to send children to school because of lack of money for transport/uniform/other school costs

C5D

C5d. Poverty indicators - During the past three months, you or your household had to go without cash income and had to make a plan for daily needs

C6A

C6a. Living density - Number of rooms in the household

C6B

C6b. Living density - Number or sleeping rooms

C6C

C6c. Living density - Number of people sleeping in these rooms

C7

C7. Househod House ownership status

C7A

C7a. Method of owning this household

C7B

C7b. Where did the main source of money to finance thi household came from

C7C

C7c. Do you owe money on the dwelling?

C7D

C7d. Do you have a title deed for the land/plot where your dwelling is

C7E

C7e. Do you own other dwellings?

C8A

C8a. Dwelling statement - You will never move and will probably spend your whole life in this dwelling

C8B

C8b. Dwelling statement - Your dwelling is something to keep and never sell

C8C

C8c. Dwelling statement - You plan to sell this dwelling and buy a different one

C8D

C8d. Dwelling statement - You plan to move out of this dwelling and move to another one

C8E

C8e. Dwelling statement - If you needed a large sum of money you would sell your dwelling

C8F

C8f. Dwelling statement - You would use your dwelling as security when borrowingmoney

C8G

C8g. Dwelling statement - You think of your dwelling as an investment that will increase in value over time

C8H

C8h. Dwelling statement - Your dwelling is an asset you can use to earn money e.g. by renting it out to someone else

C8I

C8i. Dwelling statement - You have enlarged or plan to enlarge your dwelling

C8J.1

C8J.1. Source to fnance dwelling improvement - Loan from a financial institution

C8J.2

C8J.2. Source to fnance dwelling improvement - Borrow from money lender

C8J.3

C8J.3. Source to fnance dwelling improvement - Borrow from savings group, tontine

C8J.4

C8J.4. Source to fnance dwelling improvement - Borrowed from employer

C8J.5

C8J.5. Source to fnance dwelling improvement - Borrow from family or friends

C8J.6

C8J.6. Source to fnance dwelling improvement - Pension pay-out

C8J.7

C8J.7. Source to fnance dwelling improvement - Use my or our savings

C9A.1

C9a.1. Main material used for the roof of the house

C9A.2

C9a.2. Main materia used for the walls of the house

C9A.3

C9a.3. Material used for the floor of the house

C9B

C9b. Main source of drinking water for household members

C10A

C10a. Does the household have a toilet

C10B

C10b. Main type of toilet in household

C11A

C11a. Main source of energy the household uses for cooking

C11B

C11b. Main source of lighting in the huosehold

C12.01

C12.01. Household asset - Hoe, Axe, Sickle/Machete

C12.02

C12.02. Household asset - Wheelbarrow

C12.03

C12.03. Household asset - Plough/Ox Plough

C12.04

C12.04. Household asset - Ox/donkey cart

C12.05

C12.05. Household asset - Processing equipment (grinding mill/ oil press)

C12.06

C12.06. Household asset - Radio

C12.07

C12.07. Household asset - Tape/CD player

C12.08

C12.08. Household asset - Television

C12.09

C12.09. Household asset - Bicycle

C12.10

C12.10. Household asset - Fishing boat / canoe

C12.11

C12.11. Household asset - Fishing net

C12.12

C12.12. Household asset - Lounge suit/Sofa

C12.13

C12.13. Household asset - Bed(s)

C12.14

C12.14. Household asset - Sewing machine

C12.15

C12.15. Household asset - Wardrobe

C12.16

C12.16. Household asset - Motorized Vehicle of any kind

C13A

C13a. Ubudehe category

C13B

C13b. Has the category your household is in changed in the past 2 years

C13C

C13c. In what category did your household fall before it changed

C13D

C13d. Has your household received a direct cash transfer from VUP in the past 12 months?

C14A.1

C14a.1. Have access to cellphone

C14B.1

C14b.1. Cellphoe ownership

C14A.2

C14a.2. Do you have access to a Public phone/Landline

C14B.2

C14b.2. Do you/does your household own Public phone/Landline?

C14A.3

C14a.3. Do you have access to the Computer?

C14B.3

C14b.3. Do you/does your household own Computer?

C14A.4

C14a.4. Do you have access to internet?

C14B.4

C14b.4. Do you/does your household own internet?

D1B1

D1b1. Time taken from home to nearest destination - Nearest market

D1C1

D1c1. Main mode of transport do you use to get to your - Nearest Market

D1B2

D1b2. Time taken from home to nearest destination - Cell office

D1C2

D1c2. Main mode of transport do you use to get to your - Cell office

D1A3

D1a3. Time taken from home to nearest destination - Sector office

D1B3

D1b3. Distance taken from home to nearest destination - Sector office

D1C3

D1c3. Main mode of transport do you use to get to your - Sector office

D1B4

D1b4. Time taken from home to nearest destination - nearest Primary/Secondary school

D1C4

D1c4. Main mode of transport do you use to get to your - nearest Primary/Secondary school

D1B5

D1b5. Time taken from home to nearest destination - nearest Health care facility

D1C5

D1c5. Main mode of transport do you use to get to your - nearest Health care facility

D1A7

D1a7. Distance taken from home to nearest destination - nearest Umurenge SACCO

D1B7

D1b7. Time taken from home to nearest destination - nearest Umurenge SACCO

D1C7

D1c7. Main mode of transport do you use to get to your - nearest Umurenge SACCO

D1A8

D1a8. Distance taken from home to nearest destination - Umurenge SACCO/MFI

D1B8

D1b8. Time taken from home to nearest destination - Umurenge SACCO/MFI

D1C8

D1c8. Main mode of transport do you use to get to your - Umurenge SACCO/MFI

D1A10

D1a10. Distance taken from home to nearest destination - Bank branch

D1B10

D1b10. Time taken from home to nearest destination - Bank branch

D1C10

D1c10. Main mode of transport do you use to get to your- Bank branch

D1A11

D1a11. Distance taken from home to nearest destination- nearest ATM

D1B11

D1b11. Time taken from home to nearest destination - nearest ATM

D1C11

D1c11. Main mode of transport do you use to get to your - nearest ATM

D1A13

D1a13. Distance taken from home to nearest destination - nearest Bank agent

D1B13

D1b13. Time taken from home to nearest destination - nearest Bank agent

D1C13

D1c13. Main mode of transport do you use to get to your - nearest Bank agent

D1A14

D1a14. Distance taken from home to nearest destination - nearest Mobile money agent

D1B14

D1b14. Time taken from home to nearest destination - nearest Mobile money agent

D1C14

D1c14. Main mode of transport do you use to get to your - nearest Mobile money agent

E1

E1. Household's financial decision making

E2

E2. Do you feel you need more information about any aspects of managing money

E3.1

E3.1. Financial education desired - How to budget

E3.2

E3.2. Financial education desired - How to save

E3.3

E3.3. Financial education desired - How to invest

E3.4

E3.4. Financial education desired - How to obtain a loan

E3.5

E3.5. Financial education desired - Which financial products are available to me

E3.6

E3.6. Financial education desired - How to choose financial products

E3.7

E3.7. Financial education desired - Advantages/disadvantages, terms and conditions of financial products

E3.8

E3.8. Financial education desired - How to use financial products

E3.9

E3.9. Financial education desired - Information about mobile payments

E3.10

E3.10. Financial education desired - Other

E4.1

E4.1. Targets for financial advice - Bank or other financial professional

E4.2

E4.2. Targets for financial advice - Someone at your workplace or your employer

E4.3

E4.3. Targets for financial advice - Your spouse/partner

E4.4

E4.4. Targets for financial advice - Someone else in your family or friend

E4.5

E4.5. Targets for financial advice - Radio/ Television

E4.6

E4.6. Targets for financial advice - Newspapers

E4.7

E4.7. Targets for financial advice - Internet/ Website of Financial institutions

E4.8

E4.8. Targets for financial advice - Government/local leaders sensitization

E4.9

E4.9. Targets for financial advice - Saving groups

E4.10

E4.10. Targets for financial advice - Church/religious institution

E4.11

E4.11. Targets for financial advice - Other

E4.12

E4.12. Targets for financial advice - Do not go anywhere to get advice

E5

E5. Most target for financial advice

E6.1

E6.1. Statement - You compare different options and then choose the best one that suits your needs

E6.2

E6.2. Statement - You know what to do for recourse when not satisfied with a financial service or product

E6.3

E6.3. Statement - You are confident enough to make a complaint against a bank or financial institution if you are not satisfied with the service or product offered

E6.4

E6.4. Statement - You don’t mind being in debt as long as you have what you need/want

E6.5

E6.5. Statement - You understand the terms and conditions in the contract with a financial institution

E7.01

E7.01. Transparency - Do you feel that the information on financial products or services bought recently was provided to you in a clear and easily understandable manner?

E7.02

E7.02. Transparency - Have you ever taken a financial product/service and were later on surprised about the fees/charges associated to that product?

E7.03

E7.03. Transparency - Were you ever informed of changes to fees/charges of financial product/services?

E7.04

E7.04. Transparency - Was the information provided to you in a language you understand?

E7.05

E7.05. Transparency - How was the information communicated to you

E7.06

E7.06. Transparency - What would you wish to have been informed on?

E7.07

E7.07. Transparency - What was the reason that the information was not understandable?

E7.08

E7.08. Transparency - Do you trust financial services’ advertising?

E7.09

E7.09. Transparency - Do you budget for your money?

E7.10

E7.10. Transparency - Do you know how much money you spent personally in the last 7 days?

E7.11

E7.11. Transparency - Do you keep track of money you get and spend?

E7.12

E7.12. Transparency - How often do you have some money left after covering all your spending needs?

E7.13.1

E7.13.1. Transparency - What do you do with any money you have left over: Save/keep money for different reasons

E7.13.2

E7.13.2. Transparency - What do you do with any money you have left over: Invest money in business

E7.13.3

E7.13.3. Transparency - What do you do with any money you have left over: Invest money in assets

E7.13.4

E7.13.4. Transparency - What do you do with any money you have left over: Spend money on non-essentials (eg computer games, partying/going out, alcohol, cigarettes, hair)

E7.13.5

E7.13.5. Transparency - What do you do with any money you have left over: Lend it to others

E7.13.6

E7.13.6. Transparency - What do you do with any money you have left over: Repay debts

E7.13.7

E7.13.7. Transparency - What do you do with any money you have left over: Other

E7.14

E7.14. Transparency - Do you feel that financial institutions treat you fairly?

E7.15

E7.15. Transparency - Have you ever been threatened, or treated in a violent, humiliating manner by a financial service provider?

E7.16

E7.16. Transparency - Have you ever been taken advantage of or misguided by a financial service provider?

E7.17

E7.17. Transparency - Have you ever been sold a financial product by a financial institution or telecommunication company and later on noticed that it was not in your best interest to take it?

E7.18

E7.18. Transparency - Have you ever been sold a loan without the financial service provider assessing your capability of paying back the loan?

E8.11

E8.1.1. Risks experienced in the past 12 months - Illness in your household that required medical expenses

E8.2.1

E8.2.1. Coping Mechanism for - Illness in your household that required medical expenses

E8.1.2

E8.1.2. Risks experienced in the past 12 months - Death of a household or family member resulting in unexpected costs for you/your household

E8.2.2

E8.2.2. Coping Mechanism for - Death of a household or family member resulting in unexpected costs for you/your household

E8.1.3

E8.1.3. Risks experienced in the past 12 months - Loss of the income of an income earner of the household

E8.2.3

E8.2.3. Coping Mechanism for - Loss of the income of an income earner of the household

E8.1.4

E8.1.4. Risks experienced in the past 12 months - Unforeseen school expenses

E8.2.4

E8.2.4. Coping Mechanism for - Unforeseen school expenses

E8.1.5

E8.1.5. Risks experienced in the past 12 months - Unexpected rise in the price of goods such as groceries etc.

E8.2.5

E8.2.5. Coping Mechanism for - Unexpected rise in the price of goods such as groceries etc.

E8.1.6

E8.1.6. Risks experienced in the past 12 months - Harvest/crop failure/loss of livestock

E8.2.6

E8.2.6. Coping Mechanism for - Harvest/crop failure/loss of livestock

E8.1.7

E8.1.7. Risks experienced in the past 12 months - Loss of income as a result of an unexpected drop in the price you get for produce/harvest/ products you sell

E8.2.7

E8.2.7. Coping Mechanism for - Loss of income as a result of an unexpected drop in the price you get for produce/harvest/ products you sell

E8.3.1

E8.3.1. You have people in the community that you can turn to for help if you need to

E8.3.2

E8.3.2. You would rather turn to strangers than people in the community if you need financial help

E8.3.3

E8.3.3. People in your community have a strong sense of involvement in the community – people rely on each other for support

E8.3.4

E8.3.4. There is a strong tendency in your community where you live to form groups

E8.3.5

E8.3.5. Being part of the community is important to you

E8.4

E8.4. Comunity - Who pays most of the funeral costs

E8.5A

E8.5A. Coping strategies to have money for the things you want in your future

E8.5B1

E8.5B.1. Coping strategies - Bought an asset to sell later when I need the money

E8.5B2

E8.5B.2. Coping strategies - Bought/started a business to generate money

E8.5B3

E8.5B.3. Coping strategies - Invested in property to rent out

E8.5B4

E8.5B.4. Coping strategies - Saving/putting money aside

E8.5B5

E8.5B.5. Coping strategies - Other

E8.6

E8.6. Coping strategies for retirement/old age / when no longer working

E8.7A

E8.7A. Statements - You often have to spend more money than you have available

E8.7B

E8.7B. Statements - Your current financial situation makes you worry

E8.7C

E8.7C. Statements - You keep track of your income and expenditure

E8.8A

E8.8A. Main thing taken into account when selecting formal financial institution

E8.8B

E8.8B. Main driver to become a member of a group such as a VSLA or a savings groups

E8.9A

E8.9A. Which financial institution trusted most with your savings

E8.9B

E8.9B. Which financial institution trusted most to borrow money from

E8.9C

E8.9C. Which financial institution or method trusted most to remit money

F1.1

F1.1. How do you usually pay for food/groceries?

F1.2

F1.2. How do you usually pay for school feed?

F1.3

F1.3. How do you usually pay for large appliances?

F1.4.1

F1.4.1. You would rather deal with people face to face than with machines such as ATMs even if the machines are quicker

F1.4.2

F1.4.1. You are prepared to learn how to use new technology

F1.4.3

F1.4.1. You prefer to pay for goods and services in cash rather than using electronic means

F1.5.1

F1.5.1. Buy by cash

F1.5.2

F1.5.2. Buy through Debit card

F1.5.3

F1.5.3. Buy through Credit card

F1.5.4

F1.5.4. Buy through Bank transfer

F1.5.5

F1.5.5. Buy through Mobile money

F1.6

F1.6. Do you have utility bills?

F1.7.1

F1.7.1. Pay billsby cash

F1.7.2

F1.7.2. Pay bills through Debit card

F1.7.3

F1.7.3. Pay bills through Credit card

F1.7.4

F1.7.4. Pay bills through Bank transfer

F1.7.5

F1.7.5. Pay bills through through Mobile money

F2.1.1

F2.1.1. You would like to use a mobile phone to pay for goods and services

F2.1.2

F2.1.2. You would like to use a mobile phone to put money away so you can use it later

F2.1.3

F2.1.3. You would like to use a phone to pay utility bills such as water bill

F2.1.4

F2.1.4. One can easily lose money if you send/receive using a mobile phone

F2.1.5

F2.1.5. If you save money on your phone and your phone is lost you cannot get back your money

F2.2

F2.2. Do you know about Mobile money

F2.3

F2.3. Are you a registered mobile money user on any mobile network

F2.4

F2.4. Currently using another person’s mobile money account

F2.5.1

F2.5.1. Mobile money service provider - Tigo

F2.6.1

F2.6.1. How important is Tigo mobile account is to your finances?

F2.5.2

F2.5.2. Mobile money service provider - Airtel

F2.6.2

F2.6.2. How important is Airtel mobile account is to your finances?

F2.5.3

F2.5.3. Mobile money service provider - MTN

F2.6.3

F2.6.3. How important is MTN mobile account is to your finances?

F254

F2.5.4. Mobile money service provider - Other

F264

F2.6.4. How important is 'Other' mobile account is to your finances?

F2.7

F2.7. Reason for using more than one mobile money account

F.2.8

F.2.8. Where did you learn about mobile money

F29M

F2.9.1. First month of using mobile money

F29Y

F2.9.2. Year of using mobile money

F210

F2.10. If not sure, what is approximate time of starting using mobile money

F2.11

F2.11. Main reason for using mobile money

F2.12

F2.12. Frequency of using mobile money

F2.13.01

F2.13.01. Transactions conducted at the Mobile money Agent - Cash withdrawals

F2.13.02

F2.13.02. Transactions conducted at the Mobile money Agent - Cash deposits

F2.13.03

F2.13.03. Transactions conducted at the Mobile money Agent - Cash Transfer

F2.13.04

F2.13.04. Transactions conducted at the Mobile money Agent - School Fees Payment

F2.13.05

F2.13.05. Transactions conducted at the Mobile money Agent - Utility payments (Water, Power, TV)

F2.13.06

F2.13.06. Transactions conducted at the Mobile money Agent - Utility payments (Water, Power, TV)

F2.13.07

F2.13.07. Transactions conducted at the Mobile money Agent - Purchase of air time

F2.13.08

F2.13.08. Transactions conducted at the Mobile money Agent - Saving money

F2.13.09

F2.13.09. Transactions conducted at the Mobile money Agent - Mobile Banking

F2.13.10

F2.13.10. Transactions conducted at the Mobile money Agent - Payment for goods and services

F2.13.11

F2.13.11. Transactions conducted at the Mobile money Agent - Receive payment for goods and services

F2.13.12

F2.13.12. Transactions conducted at the Mobile money Agent - Receiving wages/salaries

F2.13.13

F2.13.13. Transactions conducted at the Mobile money Agent - Pay wages and salaries

F2.13.14

F2.13.14. Transactions conducted at the Mobile money Agent - Insurance

F2.13.15

F2.13.15. Transactions conducted at the Mobile money Agent - Borrowing money

F2.13.16

F2.13.16. Transactions conducted at the Mobile money Agent - Others

F2.14.01

F2.14.01. Transactions happy to conducted at the Mobile money Agent in future - Cash withdrawals

F2.14.02

F2.14.02. Transactions happy to conducted at the Mobile money Agent in future - Cash deposits

F2.14.03

F2.14.03. Transactions happy to conducted at the Mobile money Agent in future - Cash Transfer

F2.14.04

F2.14.04. Transactions happy to conducted at the Mobile money Agent in future - School Fees Payment

F2.14.05

F2.14.05. Transactions happy to conducted at the Mobile money Agent in future - Utility payments (Water, Power, TV)

F2.14.06

F2.14.06. Transactions happy to conducted at the Mobile money Agent in future - Purchase of air time

F2.14.07

F2.14.07. Transactions happy to conducted at the Mobile money Agent in future - Saving money

F2.14.08

F2.14.08. Transactions happy to conducted at the Mobile money Agent in future - Mobile Banking

F2.14.09

F2.14.09. Transactions happy to conducted at the Mobile money Agent in future - Payment for goods and services

F2.14.10

F2.14.10. Transactions happy to conducted at the Mobile money Agent in future - Receive payment for goods and services

F2.14.11

F2.14.11. Transactions happy to conducted at the Mobile money Agent in future - Receiving wages/salaries

F2.14.12

F2.14.12. Transactions happy to conducted at the Mobile money Agent in future - Pay wages and salaries

F2.14.13

F2.14.13. Transactions happy to conducted at the Mobile money Agent in future - Insurance

F2.14.14

F2.14.14. Transactions happy to conducted at the Mobile money Agent in future - Borrowing money

F2.14.16

F2.14.16. Transactions happy to conducted at the Mobile money Agent in future - Others

F2.15

F2.15. Main reason for ot using mobile money

G1

G1. Savings - Different ways of describing what it means to save.

G2A

G2a. Savings statements - You go without certain things to be able to save

G2B

G2b. Savings statements - You believe you have to save for difficult times - even if your income is low

G2C

G2c. Savings statements - You believe it is better to save where your money is safe than to take risks to make more

G2D

G2d. Savings statements - You save or put money away for a specific purpose and you do not use it for any other purpose

G2E

G2e. Savings statements - You save or put money away for a specific purpose but you end up using it before you used it for that purpose

G3.1_A

G3.1_a: Saving at a bank

G31_B1

G3.1_b1. Savings at a bank - Where bank products held

G31_B2

G3.1_b2. Savings at a bank - Where bank products held

G31_C

G3.1_c. Savings at a bank - Reasons for saving with this institution

G31_D

G3.1_d. Savings at a bank - Does this means of savings meet your needs

G31_E

G3.1_e. Savings at a bank - Reasons for unmet needs

G31_F

G3.1_f. Savings at a bank - Savings products usage

G3.2_A

G3.2_a. Savings at a MFI or a non-umurenge SACCO

G32_B1

G3.2_b1. MFI - Where products held

G32_B2

G3.2_b2. MFI - Where products held

G32_C

G3.2_c. MFI - Reasons for saving with this institution

G32_D

G3.2_d. MFI - Does this means of savings meet your needs

G32_E

G3.2_e. MFI - Reasons for unmet needs

G32_F

G3.2_f. MFI - Savings products usage

G3.3_A

G3.3_a. Saving through Mobile money

G3.3_C

G3.3_c. Mobile money - Reasons for saving with this institution

G3.3_D

G3.3_d. Mobile money - Does this means of savings meet your needs

Total: 834

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