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

23225

Downloads

1374

Data file: fsr-2016-data

This is an anonymized data file for FinScope 2016

Cases:	12480
Variables:	834

Variables

G3.3_E

G3.3_e. Mobile money - Reasons for unmet needs

G3.3_F

G3.3_f. Mobile money - Savings products usage

G3.4_A

G3.4_a. Education insurance

G3.4_C

G3.4_c. Education insurance - Reasons for saving with this institution

G3.4_D

G3.4_d. Education insurance - Does this means of savings meet your needs

G3.4_E

G3.4_e. Education insurance - Reasons for unmet needs

G3.4_F

G3.4_f. Education insurance - Savings products usage

G3.5_A

G3.5_a. Private pension

G3.5_C

G3.5_c. Private pension - Reasons for saving with this institution

G3.5_D

G3.5_d. Private pension - Does this means of savings meet your needs

G3.5_E

G3.5_e. Private pension - Reasons for unmet needs

G3.5_F

G3.5_f. Private pension - Savings products usage

G3.6_A

G3.6_a. Saving at SACCO

G3.6_C

G3.6_c. SACCO - Reasons for saving with this institution

G3.6_D

G3.6_d. SACCO - Does this means of savings meet your needs

G3.6_E

G3.6_e. SACCO - Reasons for unmet needs

G3.6_F

G3.6_f. SACCO - Savings products usage

G3.7_A

G3.7_a. Saving at capital/stock market

G3.7_C

G3.7_c. Capital/stock market - Reasons for saving with this institution

G3.7_D

G3.7_d. Capital/stock market - Does this means of savings meet your needs

G3.7_E

G3.7_e. Capital/stock market - Reasons for unmet needs

G3.7_F

G37_f. Capital/stock market - Savings products usage

G3.8_A

G3.8_a. Pension fund/provident fund

G3.8_C

G3.8_c. Pension fund/provident fund - Reasons for saving with this institution

G3.8_D

G3.8_d. Pension fund/provident fund - Does this means of savings meet your needs

G3.8_E

G3.8_e. Pension fund/provident fund - Reasons for unmet needs

G3.8_F

G3.8_f. Pension fund/provident fund - Savings products usage

G3.9_A

G3.9_a. Saving with a saving group

G3.9_C

G3.9_c. Savings group - Reasons for saving with this institution

G3.9_D

G3.9_d. Savings group - Does this means of savings meet your needs

G3.9_E

G3.9_e. Savings group - Reasons for unmet needs

G3.9_F

G3.9_f. Savings group - Savings products usage

G3.10_A

G3.10_a. Save with someone in the community

G3.10_C

G3.10_c. Someone in the community - Reasons for saving with this institution

G3.10_D

G3.10_d. Someone in the community - Does this means of savings meet your needs

G3.10_E

G3.10_e. Someone in the community - Reasons for unmet needs

G3.10_F

G3.10_f. Someone in the community - Savings products usage

G3.11_A

G3.11_a. Save with someone in the household

G3.11_C

G3.11_c. Someone in household - Reasons for saving with this institution

G3.11_D

G3.11_d. Someone in household - Does this means of savings meet your needs

G3.11_E

G3.11_e. Someone in household - Reasons for unmet needs

G3.11_F

G3.11_f. Someone in household - Savings products usage

G3.12_A

G3.12_a. Buy things to sell late as saving

G3.12_C

G3.12_c. Buy things to sell late as saving - Reasons for saving with this institution

G3.12_D

G3.12_d. Buy things to sell late as saving - Does this means of savings meet your needs

G3.12_E

G3.12_e. Buy things to sell late as saving - Reasons for unmet needs

G3.12_F

G3.12_f. Buy things to sell late as saving - Savings products usage

G3.13_A

G3.13_a. Save at Home

G3.13_C

G3.13_c. Home - Reasons for saving with this institution

G3.13_D

G3.13_d. Home - Does this means of savings meet your needs

G3.13_E

G3.13_e. Home - Reasons for unmet needs

G3.13_F

G3.13_f. Home - Savings products usage

G3.14_A

G3.14_a Save with - Other

G3.14_C

G3.14_c. Other - Reasons for saving with this institution

G3.14_D

G3.14_d. Other - Does this means of savings meet your needs

G3.14_E

G3.14_e. Other - Reasons for unmet needs

G3.14_F

G3.14_f. Other - Savings products usage

G4

G4. Main reasons for saving

G5.1

G5.1. Reason for Not saving - Never thought about it

G5.2

G5.2. Reason for Not saving - Prefer to spend money on other things I need more

G5.3

G5.3. Reason for Not saving - Prefer to invest in other things e.g. property, livestock

G5.4

G5.4. Reason for Not saving - My children will look after me so I don’t need it

G5.5

G5.5. Reason for Not saving - Save in other ways e.g. keep cash at home

G5.6

G5.6. Reason for Not saving - Won’t be able to access my money if I need it

G5.7

G5.7. Reason for Not saving - Do not want to save

G5.8

G5.8. Reason for Not saving - Do not need to save

G5.9

G5.9. Reason for Not saving - Don’t know about investment and savings

G5.10

G5.10. Reason for Not saving - Do not have money to save or invest

G5.11

G5.11. Reason for Not saving - Do not have a bank account

G5.12

G5.12. Reason for Not saving - It is too expensive

G5.13

G5.13. Reason for Not saving - Do not have a job

G5.14

G5.14. Reason for Not saving - Do not understand the investment/savings products

G5.15

G5.15. Reason for Not saving - There are too many to choose from so I get confused

G5.16

G5.16. Reason for Not saving - Other

G5.17

G5.17. Reason for Not saving - Do not know

H1A

H1a. Credit statement - You avoid borrowing money if you can

H1B

H1b. Credit statement - You prefer to save money for something rather than borrow to pay for it

H1C

H1c. Credit statement - Without borrowing money you would not be able to pay for your children’s education

H1D

H1d. Credit statement - If you borrow money it is okay to pay it a bit later than agreed

H1E

H1e. Credit statement - Being able to borrow money when you need it is more important than the amount of money you have to pay back

H1F

H1f. Credit statement - It is better to keep savings than to use it to pay a debt

H1G

H1g. Credit statement - You have considered going to see someone to help you with your debt problems

H1H

H1h. Credit statement - You have considered cancelling insurance or investment policies to pay back money that you have borrowed

H1I

H1i. Credit statement - You usually have problems making ends meet

H1J

H1j. Credit statement - In the past 12 months you had problems regarding the arrears with payments for things like rent, municipality bills or debt payment

H2A

H2a. Borrowed money in the past 12 months

H2B

H2b. Reasons for not borrowing money in the past 12 months

H2C

H2c. Paying back borrowed money in the past 12 months

H3

H3. During the past 12 months, did you get any goods/services in advance and had to pay later?

H4.01_A

H4.01_a Credit from a bank

H4.01_B1

H401_b1. Credit at a bank - Where bank products held

H4.01_B2

H401_b2. Credit at a bank - Where bank products held

H4.02_A

H4.02_a Credit from MFI

H4.02_B1

H402_b1. Credit at MFI - Where credit products held

H4.02_B2

H402_b2. Credit at MFI - Where credit products held

H4.03_A

H4.03_a. Mobile money

H4.04_A

H4.05_A

H4.05_a. Government

H4.06_A

H4.06_a. Employer

H4.07_A

H4.07_a. Informal groups such as VLSA

H4.08_A

H4.08_a. Money lender

H4.09_A

H4.09_a. Farmers association

H4.10_A

H4.10_a. Church or other community based organisation

H4.11_A

H4.11_a. Family/friend to be paid back

H4.12_A

H4.12_a. Family/friend NOT to be paid back

H4.13_A

H4.13_a. Goods from shop/store and had to pay back late

H4.14_A

H4C

H4C. Where did you borrow most of the money from?

H5

H5.1 Reasons for borrowing money

H6

H6. Most important factor when choosing where to borrow money

H7A

H7a. In the past 6 months, have you been refused a loan by a bank or SACCO or MFI?

H7B

H7b. Main reason given for the refusal

I1A.1

I1a.1. Financial risk experience during the past 6 months - Increase in household size

I1B1

I1b.1. Coping strategy - Increase in household size

I1A2

I1a.2. Financial risk experience during the past 6 months - Household not getting cash anymore

I1B2

I1b.2. Coping strategy - Household not getting cash anymore

I1A3

I1a.3. Financial risk experience during the past 6 months - Pay unforeseen expenses

I1B3

I1b.3. Coping strategy - Pay unforeseen expenses

I1A4

I1a.4. Financial risk experience during the past 6 months - Unexpected rise in prices of goods, fuel

I1B4

I1b.4. Coping strategy - Unexpected rise in prices of goods, fuel

I1A5

I1a.5. Financial risk experience during the past 6 months - Running out of money to meet household expenses

I1B5

I1b.5. Coping strategy - Running out of money to meet household expenses

I1A6

I1a.6. Financial risk experience during the past 6 months - Harvest/livestock loss

I1B6

I1b.6. Coping strategy - Harvest/livestock loss

I1A7

I1a.7. Financial risk experience during the past 6 months - Loss of an asset/dwelling/land

I1B7

I1b.7. Coping strategy - Loss of an asset/dwelling/land

I2A

I2a. Insurance statement - Insurance is not a way of saving because they never pay out

I2B

I2b. Insurance statement - Having insurance is a good way of protecting yourself for when things go wrong

I2C

I2c. Insurance statement - It is better to have savings to fall back on when you suffer a loss rather than to have insurance

I2D

I2d. Insurance statement - You understand how insurance works

I2E

I2e. Insurance statement - You are responsible to make arrangements for the costs associated with your funeral before you die

I3A.1

I3a.1. Do you have insurance

I3A.2

I3a.2. Do you have Mutuelle de Sante (National Health Insurance)?

I4.1

I4.1. Insurance product - Third party insurance

I4.2

I4.2. Insurance product - Education insurance

I4.3

I4.3. Insurance product - Household insurance

I4.4

I4.4. Insurance product - Life insurance

I4.5

I4.5. Insurance product - Credit life (insurance linked to a loan)

I4.6

I4.6. Insurance product - Rwanda Social Security Board (CSR/RSSB)

I4.7

I4.7. Insurance product - Private pension

I4.8

I4.8. Insurance product - Agriculture insurance

I4.9

I4.9. Insurance product - Other insurance product

I5

I5. Reasons for not having insurance

I6

I6. Funeral cover provision

J1A

J1a. In the past 6 months have sent money to someone within the country

J1B

J1b. In the past 6 months have sent money to someone outside the country

J2A1.1

J2A1.2

J2A1.3

J2A1.4

J2a1.4. Other family member

J2A1.5

J2A1.6

J2a1.6. Supplier / Business

J2A1.7

J2a1.7. Someone you borrow from

J2A1.8

J2a1.8. School, college or university

J2A1.9

J2a1.9. Other (specify)

J2A.2

J2a.2. Person received the money most in the past 6 months

J2B

J2b.2. Where did you send the money to?

J2C

J2c. How often do you send money?

J2D1

J2d1. Bank transfer / into bank account

J2D2

J2d2. Post office

J2D3

J2d3. Wstern Union / Money gram

J2D4

J2d4. Cell phone top up

J2D5

J2d5. Mobile money

J2D6

J2d6. Bus or taxi

J2D7

J2d7. Relative / friend / someone else

J2D8

J2d8. Taking money personally there

J2D9

J2E

J2e. Hom much did you send the last time?

J3A

J3a. In the past 6 months have received money from someone within the country

J3B

J3b. In the past 6 months have received money from someone outside the country

J4A.1

J4A.2

J4A.3

J4A.4

J4a1.4. Other family member

J4A.5

J4A.6

J4a1.6. Customer

J4A.7

J4a1.7. Someone you lent to

J4A.8

J4B

J4b.2. Where did you send the money to?

J4C

J4c. How often do you send money?

J4D

J4d. Which channel do you most receive money trough?

J4E

J4e. What did you use most of the money sent you for?

J5A

J5a. Have you ever sent or received money using a mobile phone?

J5B

J5b. Sent/received money using a mobile phone in the past 6 months

J6A

J6a. Would you use a mobile phone to send money?

J6B

J6b. Reason why one would not use a mobile phone to send money

K1A

K1a. Banking statements - If you are not employed you cannot open a bank account

K1B

K1b. Banking statements - Having a bank account makes it easier to get credit

K1C

K1c. Banking statements - You can easily live your life without a bank account

K1D

K1d. Banking statements - Most services from banks are also offered elsewhere

K1E

K1e. Banking statements - You trust banks with your money

K1F

K1f. Banking statements - Banking is for people like me

K1G

K1g. Banking statements - Banks treat people with respect

K1.2.1

K1.2.1. Do you have a bank account?

K1.2.1A

K1.2.1A. Do you have a personal bank account?

K1.2.1B.1

K1.2.1B.1. Where bank products held

K1.2.1B.2

K1.2.1B.2. Where bank products held -

K1.2.1C.1

K1.2.1C.1. Have used bank account in the past month

K1.2.1C.2

K1.2.1C.2. Have used bank account this year

K1.2.1D

K1.2.1D. Reasons for Not using bank account

K1.2.2A

K1.2.2A. Savings account at a bank

K1.2.2B.1

K1.2.2B.1. Where savings at a bank products held

K1.2.2B.2

K1.2.2B.2. Where savings at a bank products held

K1.2.2C.1

K1.2.2C.1. Have used bank account in the past month

K1.2.2C.2

K1.2.2C.2. Have used bank account this year

K1.2.2D

K122d. Reasons for Not using bank account

K1.2.3A

K1.2.3A. Credit from a bank

K1.2.3B.1

K1.2.3B.1. Where credit at a bank products held

K1.2.3B.2

K1.2.3B.2. Where credit at a bank products held

K1.2.4A

K1.2.4A . ATM/Debit card

K1.2.4B.1

K1.2.4B.1. Where ATM card held

K1.2.4B.2

K1.2.4B.2. Where ATM card held

K1.2.4C.1

K1.2.4C.1. Have used ATM card in the past month

K1.2.4C.2

K1.2.4C.2. Have used ATM card this year

K1.2.4D

K1.2.4D. Reasons for Not using ATM card

K1.2.5A

K1.2.5A.Current or cheque account

K1.2.5B.1

K1.2.5B.1. Where current account held

K1.2.5B.2

K1.2.5B.2. Where current account held

K1.2.5C.1

K1.2.5C.1. Have used current account in the past month

K1.2.5C.2

K1.2.5C.2. Have used current accountt this year

K1.2.5D

K1.2.5d. Reasons for Not using current account

K1.2.6A

K1.2.6A. Overdraft facilities

K1.2.6B.1

K1.2.6B.1. Where overdraft account held

K12.6B.2

K12.6B.2. Where overdraft account held

K1.2.6C.1

K1.2.6C.1. Have used overdraft account in the past month

K1.2.6C.2

K1.2.6C.2. Have used overdraft accountt this year

K1.2.6D

K1.2.6D. Reasons for Not using overdraft account

K1.2.7A

K1.2.7A. Credit card

K1.2.7B.1

K1.2.7B. Where credit card account held

K1.2.7B.2

K1.2.7B.2. Where credit card account held

K1.2.7C.1

K1.2.7C.1. Have used credit card account in the past month

K1.2.7C.2

K1.2.7C.2. Have used credit card account in the past month

K1.2.7D

K1.2.7D. Reasons for Not using credit card account

K1.2.8A

K1.2.8A. Mobile banking (M-Banking)

K1.2.8B.1

K1.2.8B.1. Where mobile banking account held

K1.2.8B.2

K1.2.8B.2. Where mobile banking account held

K1.2.8C.1

K1.2.8C.1. Have used mobile banking account in the past month

K1.2.8C.2

K1.2.8C.2. Have used mobile banking account this year

K1.2.8D

K1.2.8D. Reasons for Not using mobile banking account

K1.2.9A

K1.2.9A. Internet baning

K1.2.9C.1

K1.2.9C.1. Have used internet banking account in the past month

K1.2.9C.2

K1.2.9C.2. Have used internet banking account this year

K1.2.9D

K1.2.9D. Reasons for Not using interenet banking account

K1.2.10A

K1.2.10A. Foreing bank account

K1.2.10B

K1.2.10B. Which country is foreign bank account

K1.2.10C.1

K1.2.10C.1. Have used internet foreign bank account in the past month

K1.2.10C.2

K1.2.10C.2Have used foreign bank account in the past month

K1.2.10D

K1.2.10D. Reasons for Not using foreign bank account

K1.2.11A

K1.2.11A. Any other bank account

K1.2.11B.1

K1.2.11B.1. Where any other account held

K1.2.11B.2

K1.2.11B.2. Where any other account held

K1.2.11C.1

K1.2.11C.1. Have used any other bank account in the past month

K1.2.11C.2

K1.2.11C.2. Have used ant other bank account this year

K1.2.11D

K1.2.11D. Reasons for Not using any other bank account

K1.2.12A

K1.2.12A. Account with foreign currency

K1.21.2B.1

K1.21.2B.1 Where is foreign currency is account held

K1.2.12B.2

K1.2.12B.2 Where is foreign currency is held

K1.2.12C.1

K1.2.12C.1 used it in the past month

K1.2.12C.2

K1.2.12C.2 used it this year

K.1.2.12D

K.1.2.12D. Why did you not use it

K1.3A

K1.3a. Have bank account in your name

K1.3B

K1.3B. Can you use/access your bank account when you want to

K1.3C

K1.3C. Main reason you are not able to use/access your account when you want to

K1.3D

K1.3D. Approximately length of having a bank account

K1.3E

K1.3E. Main reason for having a bank account?

K1.3F

K1.3F. Did you have an account with a SACCO or MFI when first opened a bank account?

K1.3G

K1.3G. Did you close any of these when you opened your bank account

K1.3H

K1.3H. Were you member of a group such as a savings and loan group or a savings club/tontine when first opened a bank account?

K1.3I

K1.3I. Did you close any of these when you opened your bank account

K1.4A

K1.4A. Use someone else bank account

K1.4B

K1.4B. Can you use/access this bank account when you want to?

K1.4C

K1.4C. Main reason you are not able to use/access this account when you want to

K1.4D.1

K1.4D.1. Someone else bank account - Your spouse / partner's account

K1.4D.2

K1.4D.2. Someone else bank account - Your child's account

K1.4D.3

K1.4D.3. Someone else bank account - Your parent's account

K1.4D.4

K1.4D.4. Someone else bank account - Account of another family member

K1.4D.5

K1.4D.5. Someone else bank account - Account of a neighbour/friend

K1.4D.6

K1.4D.6. Someone else bank account - Account of savings club

K1.4D.7

K1.4D.7. Someone else bank account - Account of a community organisation/church

K1.4D.8

K1.4D.8. Someone else bank account - Other

K1.4E

K1.4E. Main reason why you are using someone else’s account

K1.5.1A

K1.5.1A. Bank transaction used - Cash a cheque

K1.5.1B

K1.5.1B. Banking Channels for transaction - Cash a cheque

K1.5.2A

K1.5.2A. Bank transaction used - Deposit cash into a bank account

K1.5.2B

K1.5.2B. Banking Channels for transaction - Deposit cash into a bank account

K1.5.3A

K1.5.3A. Bank transaction used - Deposit a cheque into a bank account

K1.5.3B

K1.5.3B. Banking Channels for transaction - Deposit a cheque into a bank account

K1.5.4A

K1.5.4A. Bank transaction used - Cash withdrawal from a bank account

K1.5.4B

K1.5.4B. Banking Channels for transaction - Cash withdrawal from a bank account

K1.5.5A

K1.5.5A. Bank transaction used - Paid people/bills using a cheque

K1.5.5B

K1.5.5B. Banking Channels for transaction - Paid people/bills using a cheque

K1.5.6A

K1.5.6A. Bank transaction used - Money transfers between your own bank accounts

K1.5.6B

K1.5.6B. Banking Channels for transaction - Money transfers between your own bank accounts

K1.5.7A

K1.5.7A. Bank transaction used - Money transfer to another person’s bank account

K1.5.7B

K1.5.7B. Banking Channels for transaction - Money transfer to another person’s bank account

K1.5.8A

K1.5.8A. Bank transaction used - Received money from someone into a bank account

K1.5.8B

K1.5.8B. Banking Channels for transaction - Received money from someone into a bank account

K1.5.9A

K1.5.9A. Bank transaction used - Get a bank statement

K1.5.9B

K1.5.9B. Banking Channels for transaction - Get a bank statement

K1.5.10A

K1.5.10A. Bank transaction used - Internet banking transaction

Total: 834

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