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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12918

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Data file: FINSCOPE_DATA_2020.sav

FinScope 2020 household data

Cases:	12480
Variables:	1257

Variables

DISTRICT

NUMVILL

Sampled village (PSU)

KEY

TOTAL_IND

Total Individuals

NUMIND

Member of Household selected

A6

hhweight

household weight

pweight

Person 16+ weight

POINT_X

POINT_Y

B0

Relationship with the Head of HH

B1

B2

B3

Brings money into HH

B4

Eligible or not

B4B

Reason for none Eligibility

B5

E1

Responsible for money mgmt decisions at HH

EF201

Saving account at a bank

EF202

Loan account from a bank

EF203

Cebit card/Bank card

EF204

EF205

Internet banking

EF206

Women banking account

EF207

EF208

EF209

EF210

Medical insurance

EF211

EF212

Micro insurance_Agriculture insurance

EF213

Third party insurance

EF214

Deposit guarantee fund

EF215

Credit Reference Bureau

EF216

EF3

Considering whether you can afford a pymt

EF4

Paying bills on time

EF5

Keeping close personal watch on financial affairs

EF6

Setting long_term financial goals and work hard to achieve them

EF7

Income not covering living costs

EF801

Draw money out of savings from bank_MoM_SACCO_MFI account

EF802

Cut back on spending

EF803

Sell something that I own

EF804

Work overtime, earn extra money

EF805

Borrow food or money from family or friends

EF806

Borrow from employer/salary advance

EF807

Borrow money from from a bank_MoM_SACCO_MFI institution

EF808

Pawn something that I own

EF809

Take a loan from my savings and loans clubs

EF810

Take money out of a flexible home loan account

EF811

Apply for loan/withdrawal on pension fund

EF812

EF813

EF9

Setting aside emergency or rainy day funds

EF101

Have missed more than 2 months debt repymt in the past 12 months

EF102

Have 4 or more credit commitments

EF103

Credit_borrowing commitments are a heavy burden

EF104

Have enough money left for savings after covering all spending needs

EF11

Friends sharing 20000 Rwf equally

EF12

Friends waiting for one year to get their share of the 20000 Rwf

EF13

Lending 5 000 Rwf to a friend to be given back the next day

E61

Comparing options and choose the best one that suits your needs

E62

Knowing what to do when not satisfied with a financial service

E63

Confident enough to make a complaint

E64

Don?t mind being in debt as long as you have what you need or want

E65

Understanding terms and conditions in the contract with a financial institution

E701

Information on financial products or services clearly provided

E702

Taken a financial product/service and later surprised about its fees/charges

E703

Were informed of changes to fees or charges of financial product or services

E704

Information provided in a language you understand

E705

How was the information communicated to you

E706

Wished to have been informed on

E707

Reason that the information was not understandable

E708

Do you trust financial services? advertising

E709

Do you budget for your money

E710

You know the money spent personally in the last 7 days

E711

Do you keep track of money you get and spend

E712

How often you have money left after covering all your spending needs

E7131

Save or keep money for different reasons

E7132

Invest money in business

E7133

Invest money in assets

E7134

Spend money on non_essentials

E7135

Lend it to others

E7136

E7137

E714

Do you feel that financial institutions treat you fairly

E715

Ever been threatened, humiliating by a financial service provider

E716

Ever been taken advantage of or misguided by a financial service provider

E717

Ever been sold a financial product and later realise that it was not in your int

E718

Ever been sold a loan without an assessement of your capability of paying back

EF14

Currently trying to achieve a goal that requires a lot of money

EF15

Main goal that you are currently trying to achieve

E16101

Borrowed from a bank or other formal institution

E16102

Borrowed from money lender (loan shark)

E16103

Borrowed from saving group

E16104

Took a loan / advance from my employer

E16105

Borrowed from family or friends or community or church or mosque

E16106

Took a loan from a shopkeeper

E16107

Borrowed from a digital app_based lender e.g. Mokash

E16108

Used savings held at a bank or Post Bank or Insurance provider or Retailer

E16109

Used savings from a saving club

E16110

Used savings held with friends or family

E16111

Used savings held in a secret hiding place

E16112

E16113

Sold other assets, not livestock

E16114

Got assistance or gift from friends or family or community

E16115

Cut back on expenses or adjust consumption patterns

E16116

Got goods or items on credit

E16117

Worked more or got additional jobs

E16118

E16119

Education insurance

E16120

E16121

E16122

Refused to Answer

E162

Main device used or are using to pay for archieving the goal

QF1_01

Ever used_Commercial Bank

QF1_02

Ever used_ Microfinance institution

QF1_03

Ever used_ Non-Deposit Taking Lending Financial

QF1_04

Ever used_Mobile money operator

QF1_05

Ever used_Umurenge SACCO

QF1_06

Ever used_Insurance provider

QF1_07

Ever used_ Pension fund administrator

QF1_08

Ever used_Savings group that you save with or borrow from

QF1_09

Ever used_Village/community association

QF1_10

Ever used_ None of the above

QF2_01

Offer savings_Commercial Bank

QF2_02

Offer savings_Microfinance institution

QF2_03

Offer savings_Non-Deposit Taking Lending Financial (NDFI)

QF2_04

Offer savings_ Mobile money operator

QF2_05

Offer savings_Umurenge SACCO

QF2_06

Offer savings_Insurance provider

QF2_07

Offer savings_Pension fund administrator

QF2_08

Offer savings_Savings group that you save with or borrow from

QF2_09

Offer savings_Village/community association

QF2_10

Offer savings_ None of the above

QF3_01

Offer services electronically without using cash_Commercial Bank

QF3_02

Offer services electronically without using cash_Microfinance institution

QF3_03

Offer services electronically without using cash_Non-Deposit Taking Lending Fina

QF3_04

Offer services electronically without using cash_ Mobile money operator

QF3_05

Offer services electronically without using cash_Umurenge SACCO

QF3_06

Offer services electronically without using cash_Insurance provider

QF3_07

Offer services electronically without using cash_Pension fund administrator

QF3_08

Offer services electronically without using cash_Savings group that you save wit

QF3_09

Offer services electronically without using cash_Village/community association

QF3_10

Offer services electronically without using cash_ None of the above

QF4_01

Have an account registered in your name_Commercial Bank

QF4_02

Have an account registered in your name_Microfinance institution

QF4_03

Have an account registered in your name_Non-Deposit Taking Lending Financial (ND

QF4_04

Have an account registered in your name_ Mobile money operator

QF4_05

Have an account registered in your name_Umurenge SACCO

QF4_06

Have an account registered in your name_Insurance provider

QF4_07

Have an account registered in your name_Pension fund administrator

QF4_08

Have an account registered in your name_Savings group that you save with or borr

QF4_09

Have an account registered in your name_Village/community association

QF4_10

Have an account registered in your name_ None of the above

QF5_01

Do you currently use _Commercial Bank

QF5_02

Do you currently use_Microfinance institution

QF5_03

Do you currently use_Non-Deposit Taking Lending Financial (NDFI)

QF5_04

Do you currently use_ Mobile money operatorr

QF5_05

Do you currently use_Umurenge SACCO

QF5_06

Do you currently use_Insurance provider

QF5_07

Do you currently use_Pension fund administrator

QF5_08

Do you currently use_Savings group that you save with or borrow from

QF5_09

Do you currently use_Village/community associationr

QF5_10

Do you currently use_ None of the above

QF601_01

Deposited or withdrew money_Commercial Bank

QF601_02

Deposited or withdrew money_Microfinance institution

QF601_03

Deposited or withdrew money_Non-Deposit Taking Lending Financial (NDFI)

QF601_04

Deposited or withdrew money_ Mobile money operator

QF601_05

Deposited or withdrew money_Umurenge SACCO

QF601_06

Deposited or withdrew money_Insurance provider

QF601_07

Deposited or withdrew money_Pension fund administrator

QF601_08

Deposited or withdrew money_Savings group that you save with or borrow from

QF601_09

Deposited or withdrew money_Village/community association

QF601_10

Deposited or withdrew money_ None of the above

QF602_01

Bought airtime top-ups or paid a mobile phone bill_Commercial Bank

QF602_02

Bought airtime top-ups or paid a mobile phone bill_Microfinance institution

QF602_03

Bought airtime top-ups or paid a mobile phone bill_Non-Deposit Taking Lending Fi

QF602_04

Bought airtime top-ups or paid a mobile phone bill_ Mobile money operator

QF602_05

Bought airtime top-ups or paid a mobile phone bill_Umurenge SACCO

QF602_06

Bought airtime top-ups or paid a mobile phone bill_Insurance provider

QF602_07

Bought airtime top-ups or paid a mobile phone bill_Pension fund administrator

QF602_08

Bought airtime top-ups or paid a mobile phone bill_Savings group that you save w

QF602_09

Bought airtime top-ups or paid a mobile phone bill_Village/community association

QF602_10

Bought airtime top-ups or paid a mobile phone bill_ None of the above

QF603_01

Paid school fees_Commercial Bank

QF603_02

Paid school fees_Microfinance institution

QF603_03

Paid school fees_Non-Deposit Taking Lending Financial (NDFI)

QF603_04

Paid school fees_ Mobile money operator

QF603_05

Paid school fees_Umurenge SACCO

QF603_06

Paid school fees_Insurance provider

QF603_07

Paid school fees_Pension fund administrator

QF603_08

Paid school fees_Savings group that you save with or borrow from

QF603_09

Paid school fees_Village/community association

QF603_10

Paid school fees_ None of the above

QF604_01

Paid a bill for medical treatment and other services_Commercial Bank

QF604_02

Paid a bill for medical treatment and other services_Microfinance institution

QF604_03

Paid a bill for medical treatment and other services_Non-Deposit Taking Lending

QF604_04

Paid a bill for medical treatment and other services_ Mobile money operator

QF604_05

Paid a bill for medical treatment and other services_Umurenge SACCO

QF604_06

Paid a bill for medical treatment and other services_Insurance provider

QF604_07

Paid a bill for medical treatment and other services_Pension fund administrator

QF604_08

Paid a bill for medical treatment and other services_Savings group that you save

QF604_09

Paid a bill for medical treatment and other services_Village/community associati

QF604_10

Paid a bill for medical treatment and other services_ None of the above

QF605_01

Paid a tax, fine, fee, or other payment to the government_Commercial Bank

QF605_02

Paid a tax, fine, fee, or other payment to the government_Microfinance instituti

QF605_03

Paid a tax, fine, fee, or other payment to the government_Non-Deposit Taking Len

QF605_04

Paid a tax, fine, fee, or other payment to the government_ Mobile money operator

QF605_05

Paid a tax, fine, fee, or other payment to the government_Umurenge SACCO

QF605_06

Paid a tax, fine, fee, or other payment to the government_Insurance provider

QF605_07

Paid a tax, fine, fee, or other payment to the government_Pension fund administr

QF605_08

Paid a tax, fine, fee, or other payment to the government_Savings group that you

QF605_09

Paid a tax, fine, fee, or other payment to the government_Village/community asso

QF605_10

Paid a tax, fine, fee, or other payment to the government_ None of the above

QF606_01

Sent money to, or received money from someone_Commercial Bank

QF606_02

Sent money to, or received money from someone_Microfinance institution

QF606_03

Sent money to, or received money from someone_Non-Deposit Taking Lending Financi

QF606_04

Sent money to, or received money from someone_ Mobile money operator

QF606_05

Sent money to, or received money from someone_Umurenge SACCO

QF606_06

Sent money to, or received money from someone_Insurance provider

QF606_07

Sent money to, or received money from someone_Pension fund administrator

QF606_08

Sent money to, or received money from someone_Savings group that you save with o

QF606_09

Sent money to, or received money from someone_Village/community association

QF606_10

Sent money to, or received money from someone_ None of the above

QF607_01

Received money from the government_Commercial Bank

QF607_02

Received money from the government_Microfinance institution

QF607_03

Received money from the government_Non-Deposit Taking Lending Financial (NDFI)

QF607_04

Received money from the government_ Mobile money operator

QF607_05

Received money from the government_Umurenge SACCO

QF607_06

Received money from the government_Insurance provider

QF607_07

Received money from the government_Pension fund administrator

QF607_08

Received money from the government_Savings group that you save with or borrow fr

QF607_09

Received money from the government_Village/community association

QF607_10

Received money from the government_ None of the above

QF608_01

Received wages from an employer_Commercial Bank

QF608_02

Received wages from an employer_Microfinance institution

QF608_03

Received wages from an employer_Non-Deposit Taking Lending Financial (NDFI)

QF608_04

Received wages from an employer_ Mobile money operator

QF608_05

Received wages from an employer_Umurenge SACCO

QF608_06

Received wages from an employer_Insurance provider

QF608_07

Received wages from an employer_Pension fund administrator

QF608_08

Received wages from an employer_Savings group that you save with or borrow from

QF608_09

Received wages from an employer_Village/community association

QF608_10

Received wages from an employer_ None of the above

QF609_01

Made insurance payments or received claims on insurance_Commercial Bank

QF609_02

Made insurance payments or received claims on insurance_Microfinance institution

QF609_03

Made insurance payments or received claims on insurance_Non-Deposit Taking Lendi

QF609_04

Made insurance payments or received claims on insurance_ Mobile money operator

QF609_05

Made insurance payments or received claims on insurance_Umurenge SACCO

QF609_06

Made insurance payments or received claims on insurance_Insurance provider

QF609_07

Made insurance payments or received claims on insurance_Pension fund administrat

QF609_08

Made insurance payments or received claims on insurance_Savings group that you s

QF609_09

Made insurance payments or received claims on insurance_Village/community associ

QF609_10

Made insurance payments or received claims on insurance_ None of the above

QF610_01

Borrowed money_Commercial Bank

QF610_02

Borrowed money_Microfinance institution

QF610_03

Borrowed money_Non-Deposit Taking Lending Financial (NDFI)

QF610_04

Borrowed money_ Mobile money operator

QF610_05

Borrowed money_Umurenge SACCO

QF610_06

Borrowed money_Insurance provider

QF610_07

Borrowed money_Pension fund administrator

QF610_08

Borrowed money_Savings group that you save with or borrow from

QF610_09

Borrowed money_Village/community association

QF610_10

Borrowed money_ None of the above

QF611_01

Saved money_Commercial Bank

QF611_02

Saved money_Microfinance institution

QF611_03

Saved money_Non-Deposit Taking Lending Financial (NDFI)

QF611_04

Saved money_ Mobile money operator

QF611_05

Saved money_Umurenge SACCO

QF611_06

Saved money_Insurance provider

QF611_07

Saved money_Pension fund administrator

QF611_08

Saved money_Savings group that you save with or borrow from

QF611_09

Saved money_Village/community association

QF611_10

Saved money_ None of the above

QF612_01

Made an investment_Commercial Bank

QF612_02

Made an investment_Microfinance institution

QF612_03

Made an investment_Non-Deposit Taking Lending Financial (NDFI)

QF612_04

Made an investment_ Mobile money operator

QF612_05

Made an investment_Umurenge SACCO

QF612_06

Made an investment_Insurance provider

QF612_07

Made an investment_Pension fund administrator

QF612_08

Made an investment_Savings group that you save with or borrow from

QF612_09

Made an investment_Village/community association

QF612_10

Made an investment_ None of the above

QF613_01

Paid for goods or services at a store and other place of business_Commercial Ban

QF613_02

Paid for goods or services at a store and other place of business_Microfinance i

QF613_03

Paid for goods or services at a store and other place of business_Non-Deposit Ta

QF613_04

Paid for goods or services at a store and other place of business_ Mobile money

QF613_05

Paid for goods or services at a store and other place of business_Umurenge SACCO

QF613_06

Paid for goods or services at a store and other place of business_Insurance prov

QF613_07

Paid for goods or services at a store and other place of business_Pension fund a

QF613_08

Paid for goods or services at a store and other place of business_Savings group

QF613_09

Paid for goods or services at a store and other place of business_Village/commun

QF613_10

Paid for goods or services at a store and other place of business_ None of the a

QF7A_01

How satisfied are you with the services of _Commercial Bank

QF7A_02

How satisfied are you with the services of _Microfinance institution

QF7A_03

How satisfied are you with the services of_Non-Deposit Taking Lending Financial

QF7A_04

How satisfied are you with the services of_ Mobile money operator

QF7A_05

How satisfied are you with the services of_Umurenge SACCO

QF7A_06

How satisfied are you with the services of_Insurance provider

Total: 1257

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