FinScope Survey 2020, Financial Inclusion

Rwanda, 2019

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Reference ID

RWA_2019_RFS_v01_M

Producer(s)

Access to Finance Rwanda (AFR)

Metadata

DDI/XML JSON

Created on

Jan 19, 2021

Last modified

Jan 19, 2021

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13233

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Data file: FINSCOPE_DATA_2020.sav

FinScope 2020 household data

Cases:	12480
Variables:	1257

Variables

GS87

Assets such as jewellery, gold coins and others

GS88

GS9

Having a pension fund

GS101

Knowing retirement package

GS102

Be happy with age and retirement package

GS103

Understanding your pension benefits

H1_1

Aoiding to borrow money if you can

H1_2

Prefering to save money for something rather than borrow to pay for it

H1_3

Without borrowing money would not be able to pay for children?s education

H1_4

If you borrow money it is okay to pay it a bit later than agreed

H1_5

Borrow money when needed is more important than money to be paid back

H1_6

Better to keep savings than to use it to pay a debt

H1_7

Have checked credit history through CRB

H1_8

Be aware of the consequencies of defaulting loan

H2A

Borrowed money during the past 12 months

H2B

Main reason you have not borrowed money

H2C

Have been paying back money you borrowed from

H3

Got any goods or services in advance and had to pay it later

H4A_01

Borrowed money from a bank

H4A_02

Borrowed money from a MFI or a non-umurenge SACCO

H4A_03

Non-Deposit Taking Lending Financial (NDFI)

H4A_04

Mobile Money credit e.g MoKash

H4A_05

Borrowed from an umurenge SACCO

H4A_06

Got a loan from Government (Ubudehe credit scheme/VUP loan)

H4A_07

Borrowed money from your employer

H4A_08

Borrowed money from a group such as a co-op, VLSA, tontine, ikibina

H4A_09

Borrowed money from a money lender in the community

H4A_10

Borrowed money/got goods in advance from an agricultural buyer or a farmer’s org

H4A_11

Borrowed money from a church or other community-based organisation that you belo

H4A_12

Borrowed money from family/friends that you had to pay back

H4A_13

Got money from family/friends that you did not have to pay back

H4A_14

Got goods in advance from a shop/store and had to pay back later

H4A_15

Borrowed money from sources not mentioned, specify

H4A_16

H4B1_01

From which bank did you borrowed

H4B1_02

From which MFI or none-U_SACCO did you borrowed

H4B1_03

From which NDFI did you borrowed

H4B1_04

From which MoM did you borrowed

H4B1_05

From which U_SACCO did you borrowed

H4B2_01

From which other bank did you borrowed

H4B2_02

From which other MFI or none-U_SACCO did you borrowed

H4B2_03

From which other NDFI did you borrowed

H4B2_04

From which other MoM did you borrowed

H4B2_05

From which other U_SACCO did you borrowed

H4C_TEMP

Type of institutions

H4C

Who did you borrow the most money from

H4D

Main reason of borrowing

H5

What did you borrow the most money for

H6

Important thing taken into account when you choose who to borrow from

H6A

To what extend borrowed money helps you to achieve your goals

H6B1

Were given all the key details about the account fees and charges

H6B2

Fees and charges for your loan are transparent, or at least easy to find

H6B3

Were charged fees you did not expect

H6B4

Lender unexpected withdrew money

H6B5

Did not fully understand the cost or fees

H6C

How evaluating amount of microcredit loan interest rate charged

H7A1

H7A2

H7A3

H7A4

H7A5

H7B

Main reason given for the refusal

H8A

How often do you borrow through your MoM operator

H8B

How much did you borrow last time through your MoM operator

I1A01

Member of HH lost job/income

I1A02

Serious illness of a HH member

I1A03

Death of a relative or HH member

I1A04

Theft of HH property

I1A05

Theft of business stock/goods

I1A06

Theft of agricultural crop or livestock

I1A07

Loss of HH goods due to fire or flood or storm

I1A08

Agricultural crop or livestock destroyed by fire or flood or storm

I1A09

Loss of an asset or dwelling or land

I1A10

Failure of business

I1A11

Disability due to accident or illness

I1A12

Maintenance of farming or business equipment or tools

I1A13

Recession or bad economy

I1A14

Price increases

I1A15

I1A16

Have not experienced such events

I1B

Had greatest impact your household?s finances

II1C

What was done when experiencing this event

II1D

To what extent helped to deal with this shocks

II1E

Time taken to get payment

I2_1

Insurance is not a way of saving

I2_2

Having insurance is a good way of protecting yourself for when things go wrong

I2_3

Better having savings rather than to have insurance

I2_4

Understand how insurance works

I2_5

Responsible to make arrangements for the costs of funeral

II3A

Have micro_insurance products

II3B1

Agriculture_crops

II3B2

Agriculture_livestock

II3B3

II3C

Interested in micro insurance

II3D01

Agriculture_crops

II3D02

Agriculture_livestock

II3D03

Agriculture_fisheries

II3D04

II3D05

II3D06

Credit or loans

II3D07

II3D08

II3D09

II3D10

II3D11

II3D12

I3A

Which of the following insurance medical do you have

I3B

Are you covered by someone else?s insurance

I401

Third party insurance

I402

Education insurance

I403

Household insurance

I404

I405

I406

I407

Private pension

I408

Agriculture insurance

I409

Ingoboka cash or hospital cash product

I410

Other insurance product not mentioned

I5

Main reason of not having Insuarance

I6

Who will pay the costs associated with your funeral

J1A

Sent money to someone within the country

J1B

Sent money to someone outside the country

J2A11

J2A12

J2A13

J2A14

Other family member

J2A15

J2A16

Supplier or Business

J2A17

Someone you borrowed from

J2A18

School, college or university

J2A19

J2A2

who did you send to most often

J2B2

Where were you sending the money to

J2C

How often do you send money

J2D1

Bank transfer or pay into bank account

J2D2

J2D3

Western Union or Money gram

J2D4

Cell phone top-up or Me2U

J2D5

J2D6

J2D7

Sending someone travelling there

J2D8

Taking the money there in person

J2D9

J2E

How much did you send last time

J3A

Received money from someone in a different place within the country

J3B

Received money from someone outside the country

J4A1

J4A2

J4A3

J4A4

Other family member

J4A5

J4A6

J4A7

Someone you lent money to

J4A8

J4A_2

The sender most often received from

J4B

Where did send the money from

J4C

How often did send you money

J4D

Mostly send the money to you

J4E

Use of most of the money received

J5A

Have ever sent or receive money using a mobile phone

J5B

Having sent or receive money using a mobile phone

J6A

Will use mobile phone to send or receive money

J6B

Reason for not using mobile phone to send or receive money

K11A

K11B

K11C

K11D

K11E

K11F

K11G

K121

Having a bank account

KB2

Using someone else bank account

K121B1

K121B2

KB4

Bank accounts in different banks you have in your own name

KB5

Bank considered to be the main

KB6A

How often do you use your main bank account

KB6B

Withdraw all your money as soon it is deposited into your bank account

KB7A01

Using my account or card is too expensive

KB7A02

Using my account or card is too complicated

KB7A03

My account or card doesn't have the features that I want

KB7A04

Places where I typically shop Don't accept card payments

KB7A05

I prefer to transact in cash

KB7A06

I Don't trust my bank

KB7A07

I do not have enough money to use the account frequently

KB7A08

To avoid debit or stop orders

KB7A09

Avoid illegal debit orders or faud

KB7A10

KB7B01

Using my account or card is too expensive

KB7B02

Using my account or card is too complicated

KB7B03

My account or card doesn't have the features that I want

KB7B04

The places where I typically shop Don't accept card payments

KB7B05

I prefer to transact in cash

KB7B06

I Don't trust my bank

KB7B07

I do not have enough money to use the account frequently

KB7B08

To avoid debit or stop orders

KB7B09

Avoid illegal debit orders or faud

KB7B10

KB801

The amount of total monthly fees and charges

KB802

Interest rate on savings

KB803

The fees for specific transactions

KB804

Convenient access to ATMs

KB805

Convenient access to bank branches

KB806

Convenient access to internet banking

KB807

Convenient access to mobile banking

KB808

User_friendly mobile apps or internet banking platforms

KB809

Quality of customer service in bank branches

KB810

Loyalty program

KB811

Convenience of having an account at the bank I typically use

KB812

KB9

Bank account helps manage your money better

KB101

Given details on account fees and charges

KB102

Shown options to chose from

KB103

Knew which account you wanted to open

KB104

Would choose the same account today

KB105

Would recommend your account to your friends and family

KB106

Account you have is good value for money

KB107

Fees and charges in my account are transparent, or at least easy to find

KB108

Can count on bank staff to give you accurate information

KB11

Opening an account with a new bank or changing your current bank account

KB12

Opening an account with a new bank or changed your current bank account type

KB131

Seeing advertisement for an account that I preferred

KB132

Recommendation from friend or family

KB133

Not satisfied with my previous account

KB134

Account at the new bank is better for me than my previous account

KB135

Fees are lower than at my previous bank

KB136

Salary or other payment is deposited using the new bank

KB137

KB1401

Bank ATM card or Debit card

KB1402

KB1403

Current account

KB1404

Fixed deposit account

KB1405

Savings account

KB1406

KB1407

KB1408

KB1409

Mobile money (e-wallet)

KB1410

Bank USSD codes

KB1411

Internet banking

KB1412

KB15_01

How often do you usually do_cash a cheque

KB15_02

How often do you usually do_deposit cash into a bank account

KB15_03

How often do you usually do_deposit a cheque into a bank account

KB15_04

How often do you usually do_cash withdrawal from a bank account

KB15_05

How often do you usually do_pay people/bills using a cheque

KB15_06

How often do you usually do_money transfers between your own bank accounts

KB15_07

How often do you usually do_money transfer to another person’s bank account

KB15_08

How often do you usually do_receive money from someone into a bank account

KB15_09

How often do you usually do_get a bank statement

KB15_10

How often do you usually do_buy airtime

KB15_11

How often do you usually do_other

KB161_01

Used Bank to_cash a cheque

KB161_02

Used Bank to_deposit cash into a bank account

KB161_03

Used Bank to_deposit a cheque into a bank account

KB161_04

Used Bank to_cash withdrawal from a bank account

KB161_05

Used Bank to_paid people/bills using a cheque

KB161_06

Used Bank to_money transfers between your own bank accounts

KB161_07

Used Bank to_money transfer to another person’s bank account

KB161_08

Used Bank to_receive money from someone into a bank account

KB161_09

Used Bank to_get a bank statement

KB161_10

Used Bank to_buy airtime

KB161_11

Used Bank to_other activities

KB162_01

Used ATM to_cash a cheque

KB162_02

Used ATM to_deposit cash into a bank account

KB162_03

Used ATM to_deposit a cheque into a bank account

KB162_04

Used ATM to_cash withdrawal from a bank account

KB162_05

Used ATM to_pay people/bills using a cheque

KB162_06

Used ATM to_money transfers between your own bank accounts

KB162_07

Used ATM to_money transfer to another person’s bank account

KB162_08

Used ATM to_receive money from someone into a bank account

KB162_09

Used ATM to_get a bank statement

KB162_10

Used ATM to_buy airtime

KB162_11

Used ATM to_other activities

KB163_01

Used Internet banking to_cash a cheque

KB163_02

Used Internet banking to_deposit cash into a bank account

KB163_03

Used Internet banking to_deposit a cheque into a bank account

KB163_04

Used Internet banking to_cash withdrawal from a bank account

KB163_05

Used Internet banking to_pay people/bills using a cheque

KB163_06

Used Internet banking to_money transfers between your own bank accounts

KB163_07

Used Internet banking to_money transfer to another person’s bank account

KB163_08

Used Internet banking to_ receive money from someone into a bank account

KB163_09

IUsed nternet banking to_ get a bank statement

KB163_10

Used Internet banking to_buy airtime

KB163_11

Used Internet banking to_other activities

KB164_01

Used Mobile banking to_cash a cheque

KB164_02

Used Mobile banking to_deposit cash into a bank account

KB164_03

Used mobile banking to_deposit a cheque into a bank account

KB164_04

Used Mobile banking to_cash withdrawal from a bank account

KB164_05

Used Mobile banking to_pay people/bills using a cheque

KB164_06

Used Mobile banking to_money transfers between your own bank accounts

KB164_07

Used Mobile banking to_money transfer to another person’s bank account

KB164_08

Used Mobile banking to_receive money from someone into a bank account

KB164_09

Used Mobile banking to_get a bank statement

KB164_10

Used Mobile banking to_buy airtime

KB164_11

Used Mobile banking to_other activities

KB165_01

Used Bank card to_cash a cheque

KB165_02

Used Bank card to_deposit cash into a bank account

KB165_03

Used Bank card to_deposit a cheque into a bank account

KB165_04

Used Bank card to_cash withdrawal from a bank account

KB165_05

Used Bank card to_pay people/bills using a cheque

Total: 1257

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