FINAL7template_2011_FINDEX_v01_M
DDI_TKM_2011_FINDEX_v02_M_WB
World Bank
2015-04-03
Nesstar Publisher
Version 02 (April 2015) - DDI updated to include the modifications to the data. This updated version also includes modifications to the Series information, Abstract, Scope and Sampling procedure metadata fields to match the number of economies included in the database.
FINAL7template_2011_FINDEX_v01_M
Global Financial Inclusion (Global Findex) Database 2011
FINDEX 2011
TKM_2011_FINDEX_v02_M
Development Research Group, Finance and Private Sector Development Unit
Gallup, Inc.
2012-05-22
Nesstar Publisher
Development Research Group, World Bank
The Bill and Melinda Gates Foundation
Global Findex
Development Research Group, Finance and Private Sector Development Unit
Turkmenistan
National Coverage.
Individual
The target population is the civilian, non-institutionalized population 15 years and above. The sample is nationally representative.
Sample survey data [ssd]
The Global Findex database includes indicators measuring how adults in more than 140 economies save, borrow, make payments, and manage risk. More specifically, the database includes indicators on the use of formal accounts, the frequency of formal account use, mode of formal account use (ATM, bank, bank agent, etc.), purposes of formal account use (remittances, government payments, wage payments, etc.), self-reported reasons for not having a formal account, savings behavior, savings method (bank, informal savings club, etc)), sources of borrowing (bank, friends/family, informal lender, etc.), purposes of borrowing (home purchase, school fees, emergency/health, funerals/weddings), the use of mobile phones to make payments, and the purchase of health and agriculture insurance.
Face-to-face [f2f]
Interviews were conducted in the following languages: Turkmen, Russian.
Data weighting is used to ensure a nationally representative sample for each economy. First, base sampling weights are constructed to account for oversamples and household size. If an oversample has been conducted, the data are weighted to correct the disproportionate sample. Weighting by household size (number of residents age 15 and above) is used to adjust for the probability of selection, as residents in large households will have a disproportionately lower probability of being selected for the sample. Second, poststratification weights are constructed. Population statistics are used to weight the data by gender, age, and, where reliable data are available, education or socioeconomic status.
Estimates of standard errors (which account for sampling error) vary by country and indicator. For country- and indicator-specific standard errors, refer to the Annex and Country Table in Demirguc-Kunt, Asli and L. Klapper. 2012. "Measuring Financial Inclusion: The Global Findex." Policy Research Working Paper 6025, World Bank, Washington, D.C.
Global Findex
The reference citation for the Global Findex data is as follows: Development Research Group, Finance and Private Sector Development Unit 2011. Measuring Financial Inclusion: The Global Findex Database 2011. Ref: TKM_2011_FINDEX_v02_M. World Bank, Washington, D.C.
The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses.
micro_TKM.NSDstat
1000
50
Nesstar 200801
Economy
1000
0
Turkmenistan
1000
Economy code
1000
0
TKM
1000
weight
1000
0
0.427
1.957
Respondent is female
Interviewer coded.
1000
0
1
male
471
2
female
529
Respondent age
Please tell me your age.
1000
0
1
1
0
2
2
0
3
3
0
4
4
0
5
5
0
6
6
0
7
7
0
8
8
0
9
9
0
10
10
0
11
11
0
12
12
0
13
13
0
14
14
0
15
15
17
16
16
26
17
17
42
18
18
28
19
19
24
20
20
33
21
21
39
22
22
29
23
23
30
24
24
20
25
25
36
26
26
30
27
27
29
28
28
24
29
29
22
30
30
28
31
31
19
32
32
26
33
33
12
34
34
27
35
35
17
36
36
17
37
37
12
38
38
25
39
39
20
40
40
22
41
41
18
42
42
27
43
43
20
44
44
12
45
45
12
46
46
11
47
47
19
48
48
16
49
49
14
50
50
14
51
51
12
52
52
17
53
53
16
54
54
10
55
55
6
56
56
8
57
57
6
58
58
11
59
59
14
60
60
6
61
61
8
62
62
7
63
63
7
64
64
9
65
65
4
66
66
3
67
67
2
68
68
3
69
69
2
70
70
4
71
71
6
72
72
3
73
73
6
74
74
5
75
75
2
76
76
2
77
77
1
78
78
0
79
79
2
80
80
1
81
81
0
82
82
0
83
83
0
84
84
0
85
85
0
86
86
0
87
87
0
88
88
0
89
89
0
90
90
0
91
91
0
92
92
0
93
93
0
94
94
0
95
95
0
96
96
0
97
97
0
98
98
0
99
99+
0
100
(refused)
0
Respondent education level
What is your highest completed level of education?
1000
0
1
completed primary or less
220
2
secondary
687
3
completed tertiary or more
93
4
(dk)
0
5
(rf)
0
Respondents were given 25 options. Variable has been recoded into three categories.
Within-econonmy income quintile
What is your total monthly household income in [insert local currency], before taxes? Please include income from wages and salaries, remittances from family members living elsewhere, farming, and all other sources.
1000
0
1
poorest 20%
162
2
second 20%
202
3
middle 20%
202
4
fourth 20%
193
5
richest 20%
241
Has an account at a financial instititution
Do you, either by yourself or together with someone else, currently have an account at any of the following places? An account can be used to save money, to make or receive payments, or to receive wages and remittances. Do you currently have an account at a bank or credit union (or another financial institution, where applicable - for example, cooperatives in Latin America)
1000
0
1
yes
7
2
no
993
3
(dk)
0
4
(ref)
0
Has an account at a financial institution/post office/MFI (composite indicator)
Composite indicator.
1000
0
1
yes
7
2
no
993
3
(dk)
0
4
(ref)
0
Equal to 1 if respondent has an account at a formal financial institution or post office, a debit card or saves at an microfinance institution (MFI), otherwise 0.
If has account: purpose of account
Do you use your account(s) for personal transactions, business purposes, or both?
Asked to those with an account
7
993
1
personal transactions
6
2
business purposes
1
3
both
0
4
(dk)
0
5
(refused)
0
Sysmiss
993
Has a debit card
A debit card [(where applicable, read:) sometimes called [insert local example(s) here - a bank card, bank book or salary card] is a card that allows you to make payments, get money, or buy things and the money is taken out of your bank account right away. Do you have a debit card?
1000
0
1
yes
4
2
no
995
3
(dk)
0
4
(ref)
1
Has a credit card
A credit card is like a debit card, but the money is not taken from your account right away. You get credit to make payments or buy things, and you can pay the balance off later. Do you have a credit card?
1000
0
1
yes
0
2
no
999
3
(dk)
1
4
(ref)
0
If has account: number of monthly deposits into account
In a typical month, about how many times is money deposited into your personal account(s)? This includes cash or electronic deposits, or any time money is put into your account(s) by yourself or others (read 1-4).
Asked to those with an account.
7
993
1
0
1
2
1 - 2 times
6
3
3 - 5 times
0
4
6 times or more
0
5
(dk)
0
6
(refused)
0
Sysmiss
993
If has account: number of monthly withdrawals from account
In a typical month, about how many times is money taken out of your personal account(s)? This includes cash withdrawals, electronic payments or purchases, checks, or any other time money is removed from your account(s) by yourself or others (read 1-4)
Asked to those with an account.
7
993
1
0
2
2
1 - 2 times
4
3
3 - 5 times
0
4
6 times or more
0
5
(dk)
1
6
(refused)
0
Sysmiss
993
If has account: most frequent mode of cash withdrawal
When you need to get cash (paper or coins) from your account(s), do you usually get it (read 1-4)?
Asked to those with an account.
7
993
1
at an atm
3
2
over the counter in a branch of your bank or financial institution
3
3
over the counter at a retail store, or
0
4
from some other person who is associated with your bank or financial institution
0
5
(do not withdraw cash)
1
6
(dk)
0
7
(refused)
0
Sysmiss
993
If has account: most frequent mode of cash deposit
When you put cash (paper or coins) into your account(s), do you usually do it (read 1-4)?
Asked to those with an account.
7
993
1
at an atm
0
2
over the counter in a branch of your bank or financial institution
5
3
over the counter at a retail store, or
0
4
using some other person who is associated with your bank or financial institution
0
5
(do not deposit cash)
2
6
(dk)
0
7
(refused)
0
Sysmiss
993
If has account: uses checks
In the past 12 months, have you used checks to make payments on bills or to buy things using money from your account(s)?
Asked to those with an account.
7
993
1
yes
2
2
no
5
3
(dk)
0
4
(ref)
0
Sysmiss
993
If has account: uses electronic payments
In the past 12 months, have you used electronic payments that you make or that are made automatically (including wire transfers or payments made online) to make payments on bills or to buy things using money from your account(s)?
Asked to those with an account.
7
993
1
yes
0
2
no
7
3
(dk)
0
4
(ref)
0
Sysmiss
993
If has account: uses it to receive work payments
In the past 12 months, have you used your account(s) to receive money or payments for work or from selling goods?
Asked to those with an account.
7
993
1
yes
6
2
no
1
3
(dk)
0
4
(ref)
0
Sysmiss
993
If has account: uses it to receive gov't payments
In the past 12 months, have you used your account(s) to receive money or payments from the government?
Asked to those with an account.
7
993
1
yes
0
2
no
7
3
(dk)
0
4
(ref)
0
Sysmiss
993
If has account: uses it to receive money from family
In the past 12 months, have you used your account(s) to receive money from family members living elsewhere?
Asked to those with an account.
7
993
1
yes
0
2
no
7
3
(dk)
0
4
(ref)
0
Sysmiss
993
If has account: uses it to send money to family
In the past 12 months, have you used your account(s) to send money to family members living elsewhere?
Asked to those with an account.
7
993
1
yes
0
2
no
7
3
(dk)
0
4
(ref)
0
Sysmiss
993
If does not have account: b/c too far away
Asked to those without an account. Multiple responses for not having an account permitted.
993
7
1
yes
341
2
no
627
3
(dk)
24
4
(ref)
1
Sysmiss
7
If does not have account: b/c too expensive
Asked to those without an account. Multiple responses for not having an account permitted.
993
7
1
yes
115
2
no
630
3
(dk)
245
4
(ref)
3
Sysmiss
7
If does not have account: b/c lack documentation
Asked to those without an account. Multiple responses for not having an account permitted.
993
7
1
yes
210
2
no
769
3
(dk)
13
4
(ref)
1
Sysmiss
7
If does not have account: b/c lack trust
Asked to those without an account. Multiple responses for not having an account permitted.
993
7
1
yes
106
2
no
754
3
(dk)
130
4
(ref)
3
Sysmiss
7
If does not have account: b/c lack of money
Asked to those without an account. Multiple responses for not having an account permitted.
993
7
1
yes
516
2
no
455
3
(dk)
19
4
(ref)
3
Sysmiss
7
If does not have account: b/c religious reasons
Asked to those without an account. Multiple responses for not having an account permitted.
993
7
1
yes
95
2
no
779
3
(dk)
116
4
(ref)
3
Sysmiss
7
If does not have account: b/c family member already has one
Asked to those without an account. Multiple responses for not having an account permitted.
993
7
1
yes
27
2
no
945
3
(dk)
18
4
(ref)
3
Sysmiss
7
Has saved money in the past 12 months
In the past 12 months, have you saved or set aside any money?
1000
0
1
yes
455
2
no
541
3
(dk)
4
4
(ref)
0
If saved: saved for future expenses (education, wedding)
In the past 12 months, have you saved for: Expenses in the future such as education, a wedding, or a big purchase
Asked to those who said they saved money in the past 12 months.
455
545
1
yes
395
2
no
57
3
(dk)
3
4
(ref)
0
Sysmiss
545
If saved: saved for emergencies
In the past 12 months, have you saved for: Emergencies or a time when you expect to have less income
Asked to those who said they saved money in the past 12 months.
455
545
1
yes
240
2
no
203
3
(dk)
12
4
(ref)
0
Sysmiss
545
If saved: saved at a financial institution
In the past 12 months, have you saved or set aside money by using an account at a bank, credit union (or another financial institution, where applicable - for example, cooperatives in Latin America), or microfinance institution
Asked to those who said they saved money in the past 12 months.
455
545
1
yes
2
2
no
453
3
(dk)
0
4
(ref)
0
Sysmiss
545
If saved: saved using a savings club
In the past 12 months, have you saved or set aside money by using an informal savings club or a person outside the family (If necessary, provide local examples (chit fund, tontine, merry-go-round, ROSCA, burial society, etc.)
Asked to those who said they saved money in the past 12 months.
455
545
1
yes
12
2
no
443
3
(dk)
0
4
(ref)
0
Sysmiss
545
Borrowed money from financial institution in past 12 months
In the past 12 months, have you borrowed any money from a bank, credit union (or another financial institution, where applicable - for example, cooperatives in Latin America), or microfinance institution?
1000
0
1
yes
11
2
no
988
3
(dk)
1
4
(ref)
0
Borrowed money from a store (store credit) in past 12 months
In the past 12 months, have you borrowed any money from a store by using installment credit or buying on credit?
1000
0
1
yes
191
2
no
809
3
(dk)
0
4
(ref)
0
Borrowed money from family or friends in past 12 months
In the past 12 months, have you borrowed any money from family or friends?
1000
0
1
yes
265
2
no
734
3
(dk)
1
4
(ref)
0
Borrowed money from employer in past 12 months
In the past 12 months, have you borrowed any money from employer?
1000
0
1
yes
49
2
no
950
3
(dk)
1
4
(ref)
0
Borrowed money from another private lender in past 12 months
In the past 12 months, have you borrowed any money from another private lender?
1000
0
1
yes
28
2
no
971
3
(dk)
1
4
(ref)
0
Currently has loan for home purchase
Do you currently have a loan you took out for any of the following reasons? To purchase your home or apartment.
1000
0
1
yes
6
2
no
994
3
(dk)
0
4
(ref)
0
Personally has health insurance in addition to nat'l insurance
Do you, personally, have health or medical insurance [(where applicable, read:) in addition to national health insurance]?
1000
0
1
yes
0
2
no
999
3
(dk)
1
4
(ref)
0
If has insurance: has personally purchased insurance
Did you, personally, purchase this insurance?
Asked to those who said they personally purchased health insurance.
0
1000
1
yes
0
2
no
0
3
(dk)
0
4
(ref)
0
Sysmiss
1000
If ag worker: has personally paid for crop/rainfall/livestock insurance
In the past 12 months, have you personally paid for crop, rainfall, or livestock insurance?
Asked to agricultural workers only.
98
902
1
yes
3
2
no
94
3
(dk)
0
4
(ref)
1
Sysmiss
902
Currently has loan for home construction
Do you currently have a loan you took out for any of the following reasons? To purchase materials or services to build, extend, or renovate your home or apartment.
1000
0
1
yes
24
2
no
976
3
(dk)
0
4
(ref)
0
Currently has loan for school fees
Do you currently have a loan you took out for any of the following reasons? To pay school fees.
1000
0
1
yes
7
2
no
993
3
(dk)
0
4
(ref)
0
Currently has loan for emergency/health purposes
Do you currently have a loan you took out for any of the following reasons? For emergency/health purposes.
1000
0
1
yes
25
2
no
975
3
(dk)
0
4
(ref)
0
Currently has loan for funeral/wedding
Do you currently have a loan you took out for any of the following reasons? For funerals or weddings.
1000
0
1
yes
13
2
no
986
3
(dk)
1
4
(ref)
0
Has used a mobile phone to pay bills in past 12 months
In the past 12 months, have you used a mobile phone to pay bills?
1000
0
1
yes
0
2
no
999
3
(dk)
1
4
(ref)
0
Has used a mobile phone to send money in past 12 months
In the past 12 months, have you used a mobile phone to send money?
1000
0
1
yes
0
2
no
999
3
(dk)
1
4
(ref)
0
Has used a mobile phone to receive money in past 12 months
In the past 12 months, have you used a mobile phone to receive money?
1000
0
1
yes
0
2
no
999
3
(dk)
1
4
(ref)
0