JOR_2016_DR-BL_v01_M
Comprehensive Baseline Study on Digital Remittances 2016
Demand-side Survey of Low-income Jordanians and Syrian Refugees in Jordan
Name | Country code |
---|---|
Jordan | JOR |
Other Household Survey
This is the baseline survey.
The Consultative Group to Assist the Poor (CGAP) and Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) have conducted a baseline demand-side study of person-to-person (P2P) remittances in Jordan to gather insight into existing customers, non-customers and potential customers. This study informed the implementation of a larger project to improve access to remittances and other financial services through digital solutions for financially excluded groups. The focal population for this study was low-income Jordanians (defined as those with a monthly household income of under 400 Jordanian Dinars) and Syrian refugees who have been in Jordan for at least a year.
The study focused on remittance activity and awareness and access to technology, with market forecasting for a digital remittance product. Key findings elicited insights into potential barriers to a digital remittance product, as well as enabling factors, and revealed a small market opportunity.
Sample survey data [ssd]
Individuals, households
Section One: Screener
• Nationality
• Location inside or outside of camps (for Syrian refugees)
• Location in Jordan
• Age
• Gender
• Monthly household income
• Monthly individual income
Section Two: Household Income and Finances
• Types of household and individual income earned
• Confirmation of monthly household and individual income
• Method of receiving income for each type of income selected
• Location of income received for each type of income selected
• Variation of household income
• Action taken with leftover money
Section Three: Opinions About Financial Institutions and Services
• Awareness of different financial institutions and services
• Usage of financial institutions and services, for each service that respondent was aware of
• Use of forms of financing and insurance
• Ownership of financial services that respondent reported using
• Location of financial services that respondent reported using
• Perceived trustworthiness of financial services that respondent reported using
• Reasons for not using specific financial services or institutions, for each financial service respondent reported not using
• Desire to learn more about financial services and institutions not used
Section Four: Mobile Wallet
• Ability to name mobile wallet services in an unprompted manner
• Awareness of other people who have mobile wallet services
• Type of ID required to open mobile wallet account, if respondent reported using it in Section 3
Section Five: Remittances Screener
• Reported giving or sending of money to relatives or friends in the past year
• For those who reported giving or sending money, location of money sent (up to 3 locations domestically and 3 locations internationally possible)
• Reported receiving of money from relatives or friends in the past year
• For those who reported receiving money, location of money sent (up to 3 locations domestically and 3 locations internationally possible)
Section Six: Remittances Sent
• Purpose of money sent, for each location reported in Section 5
• Frequency of money sent, for each location reported in Section 5
• Total value of money sent, for each location reported in Section 5
• Amount of money per transaction, for each location reported in Section 5
• Amount of fees paid per transaction, for each location reported in Section 5
• Minimum amount of money sent, for each location reported in Section 5
• Person money sent to, for each location reported in Section 5
• Method of sending money, for each location reported in Section 5
• Name of service used, for each location reported in Section 5
• Method recipient uses to receive money sent to them, for each location reported in Section 5
• Name of mobile wallet service used, of those who reported using a mobile wallet as the method of sending money
• Reason for choosing service, for each method selected for sending money
• Dissatisfaction with service, for each method selected for sending money
• Cost of services for methods selected for sending money
• Length of time for money to be transferred, for methods selected for sending money
• Problems experienced when trying to send money, for each location reported in Section 5
Section Seven: Remittances Received
• Purpose of money received, for each location reported in Section 5
• Frequency of money received, for each location reported in Section 5
• Total value of money received, for each location reported in Section 5
• Amount of money per transaction, for each location reported in Section 5
• Amount of fees paid per transaction, for each location reported in Section 5
• Minimum amount of money received, for each location reported in Section 5
• Person money received from, for each location reported in Section 5
• Method of receiving money, for each location reported in Section 5
• Name of service used, for each location reported in Section 5
• Method sender uses to send money received, for each location reported in Section 5
• Name of mobile wallet service used, of those who reported using a mobile wallet as the method of receiving money
• Reason for choosing service, for each method selected for receiving money
• Dissatisfaction with service, for each method selected for receiving money
• Cost of services for methods selected for receiving money
• Length of time for money to be transferred, for methods selected for receiving money
• Problems experienced when trying to receive money, for each location reported in Section 5
Section Eight: Information and Technology
• Access to mobile phones
• Ownership of SIM cards for shared phones
• Activities on mobile phones
• Frequency of internet access
• Perceived trustworthiness of different sources of information on financial products and services
Section Nine: Potential Services
• Reasons for instances in the past year when respondent wanted to receive money domestically and internationally, but couldn’t
• Reasons for instances in the past year when respondent wanted to send money domestically and internationally, but couldn’t
• Prompted awareness of mobile wallets
• Prompted awareness of specific mobile wallet services
• Concept testing for sending money internationally
• Concept testing for sending money domestically
• Concept testing for receiving money internationally
• Concept testing for receiving money domestically
• Ideal length of time it takes to both send and receive money
• Ideal length of transaction time to both send and receive money
• Ideal travel cost
• Ideal transaction cost
Section Ten: Demographics
• Highest level of education completed
• Current work situation
• Size of household
• Person in household responsible for making financial decisions
• Number of financial connections outside of the household
• Number of people financially responsible for
• Location of people financially responsible for
• Location in Jordan of people financially responsible for
• Number of people financially dependent on
• Location of people financially dependent on
• Location in Jordan on individuals financially dependent on
• Home in Syria (for Syrian refugees)
• General numeracy skills
• Current identification in possession
• Permission to work in Jordan (for Syrian refugees)
West Amman, East Amman, Irbid, Zarqa, Mafraq, Karak, Ma’an, Azraq refugee camp, Zaatari refugee camp
Low-income Jordanians and Syrian refugees
Name |
---|
IPSOS Public Affairs, IPSOS Jordan |
Name | Affiliation | Role |
---|---|---|
Deutsche Gesellschaft für Internationale Zusammenarbeit, Jordan office | Participation in questionnaire design | |
Consultative Group to Assist the Poor | The World Bank | Participation in questionnaire design |
Name |
---|
Consultative Group to Assist the Poor |
Deutsche Gesellschaft für Internationale Zusammenarbeit |
The quantitative survey consisted of two independent samples:
• n= 1,091 low-income Jordanians (defined as those with less than 400JD of household income per month)
• n= 1,041 Syrian refugees living in Jordan
Quotas were used for both groups so the sample better represented available univariate population data in terms of geographic distribution, age and gender.
Refer to “Digittances Quantitative Data User Guide” for more information.
No weighting applied
Refer to “Digittances Quantitative Data User Guide”
Start | End | Cycle |
---|---|---|
2016-05-26 | 2016-06-05 | Wave 1 (pre-Ramadan) |
2016-07-10 | 2016-07-31 | Wave 2 (post-Ramadan) |
Name |
---|
IPSOS Jordan |
Refer to “Digittances Quantitative Data User Guide”
The quantitative interviews were carried out face-to-face using computer assisted personal interviewing (CAPI) between 11th and 25th of June 2016, and 15th July and 9th of August 2016.6 To ensure data quality, 29% of face-to-face interviews were accompanied by a supervisor, and call-backs were made to 43% of the sample to verify responses. The final data were not weighted since overall population data are unreliable and thus are not suitable for use as weighting targets. All interviews were conducted in Arabic by native speakers.
In addition to the quality control conducted during fieldwork, data cleaning was conducted after fieldwork was completed. This included checks for internal consistency, missing variables, blank variables, and outliers. Ipsos data storage is audited annually as part of our ISO 27001 and 20252 accreditations and is compatible with security accreditation.
Direct access
Use of the dataset must be acknowledged using a citation which would include:
Example:
IPSOS Jordan, Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ), Consultative Group to Assist the Poor(CGAP). Comprehensive Baseline Study on Digital Remittances 2016, Demand-side survey of low-income Jordanians and Syrian refugees in Jordan Sample survey, 2016. Ref. JOR_2016_DR-BL_v01_M. Downloaded from [URL] on [Date]
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.
Name | Affiliation | URL |
---|---|---|
Microdata Library | World Bank | microdata.worldbank.org |