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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
Page views
22936
Downloads
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  • Study Description
  • Data Dictionary
  • Downloads
  • Get Microdata
  • Identification
  • Version
  • Scope
  • Coverage
  • Producers and sponsors
  • Sampling
  • Survey instrument
  • Data collection
  • Access policy
  • Data Access
  • Disclaimer and copyrights
  • Contacts
  • Metadata production
  • Identification

    Survey ID number

    RWA_2019_RFS_v01_M

    Title

    FinScope Survey 2020

    Subtitle

    Financial Inclusion

    Country
    Name Country code
    Rwanda RWA
    Study type

    Socio-Economic/Monitoring Survey [hh/sems]

    Series Information

    The first implementation of the FinScope survey Rwanda in 2008 was driven by a lack of credible information to guide policy interventions and financial service providers in their efforts to expand the reach and depth of the Rwandan financial system. This decision to implement FinScope Rwanda 2008 was urged by the BNR as the overall custodian of Rwanda’s financial sector. In pursuit of their objective of removing systemic barriers to uptake of financial services, Access to Finance Rwanda (AFR) needed to obtain information about how the landscape of access to, and usage of, financial services has changed since 2008. AFR therefore commissioned a follow-up survey in 2012 and 2016. In partnership the with Government of Rwanda, AFR initiated the fourth FinScope survey with an intention to continue measuring progress in the financial inclusion.

    FinScope 2020 is expected to illustrate how many adults Rwandan were linked to financial inclusion specifically formal accounts through different sector interventions.

    Abstract

    The FinScope survey provides a holistic understanding of how individuals generate an income and how they manage their financial lives. It identifies the factors that drive financial behaviour and those that prevent individuals from using financial products and services. Implementing the FinScope survey over time provides the opportunity to assess whether, and how, a country's situation changes.

    The main objective of the FinScope Rwanda 2020 survey was to:

    • Describe the levels of financial inclusion (i.e. levels of access to financial products and services – both formal and informal)
    • Describe the landscape of access (i.e. the type of products and services used by financially included individuals)
    • Identify the drivers of, and barriers to, financial access
    • Assess trends/changes over time (from 2016)
    • Stimulate evidence-based dialogue that will lead to effective public and private sector interventions in order to increase and deepen financial inclusion
    • Provide information on new opportunities for increased financial inclusion and the extent to which financial services are meeting Rwandans’ needs.

    Kind of Data

    Sample survey data [ssd]

    Unit of Analysis

    Basic units of analysis were individuals and households.

    Version

    Version Description

    Edited, anonymous dataset for public use.

    Version Date

    2020-06-01

    Version Notes

    This is the first version of the data description

    Scope

    Notes

    FinScope Rwanda2020 survey covered:

    • The Household Characteristics,
    • Access to infrastructures,
    • Financial capacity,
    • Money Management-Borrowing
    • Money Managemen- Risk &Risk Mitigation
    • Money Managemen- Remittances
    • Bank Penetration
    • Informal Products
    • Farming
    • Income and Expenditure, and General information.
    Keywords
    FinScope

    Coverage

    Geographic Coverage

    FinScope data are at the National level coverage.

    Universe

    The target population eligible for FinScope survey is every 16 year old and above, resident in selected households.

    Producers and sponsors

    Primary investigators
    Name Affiliation
    Access to Finance Rwanda (AFR) GoR
    Producers
    Name Affiliation Role
    Ministry of Finance and Economic Planning GoR Technical Partner
    National Bank of Rwanda Ministry of Finance and Economic Planning Technical Partner
    National Institute of statistics of Rwanda Ministry of Finance and Economic Planning Technical assistance in Questionnaire Design and Sampling methodology
    Centre for Economic and Social Studies NGO Technical assistance in Questionnaire Design, Data Collection and data processing
    Finmark Trust NGO Technical assistance in Data analysis
    Funding Agency/Sponsor
    Name Role
    Government of Rwanda Funding
    United Kingdom’s Department for International Development Funding
    United States Agency for International Development Funding
    Sweden Funding
    The Master Card Foundation Funding
    Access to Finance Rwanda Funding

    Sampling

    Sampling Procedure

    FinScope Rwanda 2020 is representative at national, urban/rural and district levels. The sampling frame was provided by National Institute of Statistics. The sample was designed according to the latest Census through the listing information conducted in the selected Enumeration Areas (EA). All households in the selected EAs were listed. As such about 158,386 households were listed. Within each selected EAs, sixteen households were randomly selected from the listed households. Within the selected households, individual respondents were randomly selected using the automated Kish Grid. A total of 12,480 interviews were conducted during September to November 2019.

    Weighting

    The FinScope Survey 2020 is designed to represent the current household-based population of Rwanda. A stratified multi-stage sample design was used for the FinScope Survey, based on the NISR 2012 Rwanda Census frame. The weights for the FinScope Survey 2020 were calculated based on the probabilities of selection from each sampling stage. In this case the number of sample clusters in each district corresponds to the number of clusters enumerated. This ensured that the data weighted up to represent the total household-based population in Rwanda.

    The data was weighted and benchmarked to the 2016/17 Integrated Household Survey (EICV5).

    Survey instrument

    Questionnaires

    The questionnaire was drafted in English and translated into Kinyarwanda. An instruction manual was developed in order to guide the enumerators how to use better the questionnaire and conduct interviews.

    The modules of the questionnaire to be collected in the FinScope Customer Survey 2020 are as follows:

    Module A. Localization and Identification of the Household
    Module B. Household Register
    Module C. Household Information and Demographics
    Module D. Access to Infrastructure
    Module E. Financial Capacity
    Module F. E-Payments and Mobile Money
    Module G. Money Management – Saving/Investment
    Module H. Money Management – Borrowing
    Module I. Money Management – Risk and Risk Management
    Module J. Money Management – Remittances
    Module K. Banking
    Module L. Informal Products
    Module M. Farming
    Module N. Income and Expenditures
    Module O. General Information

    Data collection

    Dates of Data Collection
    Start End Cycle
    2019-10-08 2019-11-21 NA
    Data Collectors
    Name Affiliation
    Centre for Economic and Social Studies Access to Finance Rwanda
    Supervision

    In order to complete 12,480 interviews with adults aged 16 years and above in their respective households distributed in all the districts (30) of Rwanda, 63 Enumerators were used during 42 days of data collection. The fieldwork lasted 42 days, including 40 days of data collection, one (1) day dedicated for teams' deployment, and another (1) day for redeployment of teams in districts. For practical and logistical purposes, two pair teams (one team of 4 enumerators) were deployed together moving from one area to another using one vehicle. Each field team deployed consists of one (1) Field Supervisor, one (1) Quality control (QC) interviewer, and Interviewers. In total there were 15 teams,15 Field Supervisors, 15 QC Interviewers, and 63 Enumerators to complete the work.

    Rigorous field supervision was provided throughout the course of fieldwork by several layers of supervisory staff in order to ensure the quality of the data. The front lines for data quality assurance in the field were Field Supervisors. The Field Supervisor and the quality control Interviewer were observing interviews conducted by interviewers. The quality control Interviewer was responsible to review each questionnaire summary closely and will present findings to the Field Supervisor prior to the latter's transmission of the data. The Field Supervisors also was to observe all interviewers as they conduct some interviews, spot check a random sample of interviewed households, and provide additional instruction to Interviewers as needed. Field Quality control supervision teams were visiting the field teams during the course of fieldwork to provide supervision and additional quality assurance.

    To complement and verify these quality control measures, Access to Finance Rwanda (AFR) and Yakini conducted independent field visits to verify field teams' implementation of the survey methodology and the interviewing process. Spot checks were also carried out on a number of completed questionnaires to assess completeness and logical consistency of interview data.

    Data Collection Notes

    Training of enumerators was based on the interviewer's manual and covered:

    Introduction to the survey: survey objectives, sample, survey modules, survey implementation, confidentiality, interviewer's role;

    Conducting the interview: approaching the household, ensuring privacy, asking questions, differences between the printed questionnaire and the tablet screens;

    Questionnaire content: location identifiers, household roster, survey modules details.

    Fieldwork procedures: field team members' roles and responsibilities, reporting to the field supervisor, ensuring high data quality;

    Entering and managing data on the tablet: tablet and screen components, starting a record on the tablet, general navigation, advancing through modules and groups, entering responses;

    Completing modules: general instructions, how to administer each module/ask questions/enter responses (question by question);

    Hands-on training: Hands-on-training with survey instrument on tablets complete with mock interviews and practice sessions and the use of all technical equipment required for survey implementation;

    At the conclusion of the interviewers' training, the entire field team conducted a pilot test of all survey procedures, logistics, systems, the revised instrument, and the translations. The pilot test was conducted in urban and rural areas that are not part of the sample. The pilot test lasted one week. At the end of each day, all people participating in the pilot test were meeting to discuss issues and challenges, and suggest solutions to be tested on subsequent days.

    At the conclusion of the pilot, all proposed changes to the survey instrument, translations, procedures, logistics, and systems were documented and prioritized. The AFR and FinMark Trust worked with the CESS Survey Director, Field Manager and QCS specialists to revise the survey instruments.

    Access policy

    Location of Data Collection

    National Institute of Statistics of Rwanda

    Archive where study is originally stored

    National Institute of Statistics of Rwanda
    https://microdata.statistics.gov.rw/index.php/catalog/94
    Cost: None

    Data Access

    Access authority
    Name Affiliation URL Email
    National Institute of Statistics of Rwanda Ministry of Finance and Economic Planning https://microdata.statistics.gov.rw/index.php/catalog info@statistics.gov.rw
    Confidentiality
    Is signing of a confidentiality declaration required? Confidentiality declaration text
    yes Confidentiality of respondents is guaranteed by law N° 45/2013 OF 16/06/2013 in it's article 17, before being granted access to the dataset, all users have to formally agree: 1. To make no copies of any files or portions of files to which s/he is granted access except those authorized by the data depositor. 2. Not to use any technique in an attempt to learn the identity of any person, establishment, or sampling unit not identified on public use data files. 3. To hold in strictest confidence the identification of any establishment or individual that may be inadvertently revealed in any documents or discussion, or analysis. Such inadvertent identification revealed in her/his analysis will be immediately brought to the attention of the data.
    Access conditions

    Public use file, access to all

    Citation requirements

    Access to Finance Rwanda. FinScope Rwanda Survey 2020

    Disclaimer and copyrights

    Disclaimer

    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.

    Copyright

    2020, Access to Finance Rwanda.

    Contacts

    Contacts
    Name Affiliation Email
    Data Portals Management Officer National Institute of Statistics of Rwanda nada.rwanda@statistics.gov.rw

    Metadata production

    DDI Document ID

    DDI_RWA_2019_RFS_v01_M

    Producers
    Name Affiliation Role
    National Institute of Statistics of Rwanda Ministry of Finance and Economic Planning Metadata Documentation
    Date of Metadata Production

    2020-07-02

    Metadata version

    DDI Document version

    Version 2 (August 2020). Edited version based on Version 1(RWA-NISR-RFS-2020-v01) that was produced by the National Institutes of Statistics of Rwanda.

    Version date

    2020-08-18

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