Home / Central Data Catalog / RWA_2012_RFS_V01_M
central

Finscope Survey 2012, Financial Inclusion

Rwanda, 2012
Get Microdata
Reference ID
RWA_2012_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
9606
Downloads
264

Data file: fs-2012-data.sav

This is an anonymized data file for FinScope 2012

Cases: 6150
Variables: 668

Variables

A2
Province
A3
District
A3_D
District
A4
Sector
A5
Cell
A6
Village
A1
Urban/Rural
A7A
Number of the selected household
A7B
Number of substitute household
NUMHH
NUMHH
C1
Do you consider yourself head of the household?
C1A
How old is the head of the household?
C1B
Gender of the head of the household?
C1C
Highest level of education completed by the head of the household?
C1D
Does the head of the household bring money into the household?
C1E
How many people depend on the household income?
C1F
What is your relationship to the head of the household?
C2
Respondent age
C3
Respondent gender
C4A
Respondent highest level of education achieved
C4B
Respondent marital status
C5
Respondent participation in financial decision making in the household
C6
Respondent general health status
C7
When you are ill, where do you mostly go to be treated?
C8A1
How often have you or your household had to skip a meal because you didn’t have food?
C8A2
Who would you first turn to for help if you don’t have food?
C8A3
How often have you or your household had to go without medical treatment/medicine because did not have money for treatment/medicine?
C8A4
Who would you first turn to for help if you don’t have money for medicine or medical treatment?
C8A5
How often have you or your household not been able to send children to school because of lack of money for transport/uniform/other school costs?
C8A6
Who would you first turn to for help if you need money for school expenses?
C8A7
How often have you or your household had to go without cash income and had to make a plan for daily needs?
C8A8
Who would you first turn to for help if you don’t have cash to cover your daily needs?
C9A
How many rooms does the dwelling have?
C9B
How many rooms in this dwelling are used for sleeping purposes?
C9C
How many people usually sleep in this dwelling 5 nights a week?
C10
Household home ownership status
C10A
Home owners: How did you get the dwelling?
C10B
Home owners: Where did you get most of the money from to buy/build the house?
C10C
Home owners: Do you owe money on the dwelling?
C10D
Home owners: Do you have a title deed for the land/plot where your dwelling is?
C10E
Home owners: Do you own other dwellings?
C11A
You will never move and will probably spend your whole life in this dwelling
C11B
Your dwelling is something to keep and never sell
C11C
If you needed a large sum of money you would sell your dwelling
C11D
You would use your dwelling as security when borrowing money
C11E
You think of your dwelling as an investment that will increase in value over time
C11F
Your dwelling is an asset you can use to earn money
C11G
You have enlarged or plan to enlarge your dwelling
C12
What is the main source of drinking water for household members
C13A
Does household have own toilet or is toilet shared with other households?
C13B
What type of toilet facility is mostly used by the members of your household?
C14A
What is the main source of energy that your household uses for cooking?
C14B
What is the main source of lighting in your home?
C1501
Seating room chairs and tables
C1502
Fridge
C1503
Deep freezer
C1504
Radio
C1505
Radio that plays cassettes or CDs
C1506
TV
C1507
Decoder
C1508
TV antenna
C1509
Video player
C1510
Computer
C1511
Sound system
C1512
Mobile phone
C1513
Fixed phone
C1514
Cooker
C1515
Hoe, Slasher, Panga, Spade,
C1516
Wheel Barrow
C1517
Machine used for digging
C1518
Washing machine
C1519
Fan
C1520
Air condition machine
C1521
Sewing machine
C1522
Bed
C1523
Wardrobe for clothes
C1524
Book shelf
C1525
Table
C1526
Chairs
C1527
Car
C1528
Minibus
C1529
Motorcycle
C1530
Leisure Boat
C1531
Bicycle
C1532
Donkey or Oxen for ploughing
C1533
Tractor
C1534
Grinding machine
C16A
Household ubudehe status
C16B
Has the category your household is in changed in the past 2 years?
C16C
In what category did your household fall before it changed?
C16D
Has your household received a direct cash transfer from VUP in the past 12 months?
C17A1
Cell phone access
C17B1
Those with access, cell phone ownership
C17A2
Public phone/Landline access
C17B2
Those with access, landline ownership
C17A3
Computer access
C17B3
Those with access, computer ownership
C17A4
Internet access
C17B4
Those with access, own internet?
D1A1
How long would it take you to get to your nearest market?
D1B1
Can you use public transport to access this market?
D1A2
How long would it take you to get to your nearest sector office?
D1B2
Can you use public transport to access this sector office?
D1A3
How long would it take you to get to your nearest school?
D1B3
Can you use public transport to access this school?
D1A4
How long would it take you to get to your nearest health care facility?
D1B4
Can you use public transport to access this health care facility?
D1A5
How long would it take you to get to your nearest taxi rank?
D1B5
Can you use public transport to access this taxi rank?
D1A6
How long would it take you to get to your nearest umurenge SACCO?
D1B6
Can you use public transport to access this umurenge SACCO?
D1A7
How long would it take you to get to your nearest Bank?
D1B7
Can you use public transport to access this bank?
D2A
Public transport is reliable
D2B
Public transport is affordable
D2C
Public transport is safe to use
E1A
You often have to spend more money than you have available
E1B
Your current financial situation makes you worry
E1C
You keep track of your income and expenditure
E1D
At any given time you know approximately how much money you have
E1E
You adjust your expenses according to your income
E1F
You plan for your future or long-term money needs
E2A
Criteria for choosing a financial institution to open an account
E2B
Criteria for choosing an informal group to become a member of
E3A
Can you please tell me which of the following would you trust most with your SAVINGS?
E3B
Can you please tell me which of the following would you trust most to borrow from?
E3C
Which of the following would you trust most if you are to send money to someone?
F1
Savings definition
F2A
You go without certain things to be able to save
F2B
You believe you have to save for difficult times even if your income is low
F2C
You believe it is better to save where your money is safe than to take risks to make more
F2D
You save or put money aside when you can
F2E
You save or put money away for a specific purpose and you do not use it for any other purpose
F2F
You save or put money away for a specific purpose but you end up using it before you used it for that purpose
F31_F3A
Do you have savings at a bank?
F31_F3B1
With which institution(s)?
F31_F3B2
With which institution(s)?
F31_F3C
What was the main reason for you to choose to keep your savings in the bank?
F31_F3D
Does this way of saving meet your saving needs? Bank
F31_F3E
If not, what is the main reason for it not meeting your need? Bank
F31_F3F1
Usage: Past month Bank savings account
F31_F3F2
Usage: Past 6 months Bank savings account
F32_F3A
Do you have savings at a MFI or a non-umurenge SACCO?
F32_F3B1
With which institution(s)?
F32_F3B2
With which institution(s)?
F32_F3C
What was the main reason for you to choose to keep your savings at a MFI or a non-umurenge SACCO?
F32_F3D
Does this way of saving meet your saving needs? MFI or non-umurenge SACCO
F32_F3E
If not, what is the main reason for it not meeting your need? MFI or non-umurenge SACCO
F32_F3F1
Usage: Past month MFI or non-umurenge SACCO savings account
F32_F3F2
Usage: Past 6 months MFI or non-umurenge SACCO savings account
F33_F3A
Do you have savings at an umurenge SACCO?
F33_F3C
What was the main reason for you to choose to keep your savings at an umurenge SACCO?
F33_F3D
Does this way of saving meet your saving needs? Umurenge SACCO
F33_F3E
If not, what is the main reason for it not meeting your need? Umurenge SACCO savings account
F33_F3F1
Usage: Past month Umurenge SACCO savings account
F33_F3F2
Usage: Past 6 months Umurenge SACCO savings account
F34_F3A
Do you have savings in the capital or stock market (incl. Treasury bonds)?
F34_F3C
What was the main reason for you to choose to keep your savings in the capital or stock market?
F34_F3D
Does this way of saving meet your saving needs? Capital or stock market
F34_F3E
If not, what is the main reason for it not meeting your need? Capital or stock market
F34_F3F1
Usage: Past month Capital or stock market
F34_F3F2
Usage: Past 6 months Capital or stock market
F35_F3A
Do you have a pension fund or provident fund (incl. Caisse Sociale du Rwanda)?
F35_F3C
What was the main reason for you to get a pension fund or provident fund?
F35_F3D
Does this way of saving meet your saving needs? Pension or provident fund
F35_F3E
If not, what is the main reason for it not meeting your need? Pension or provident fund
F35_F3F1
Usage: Past month Pension or provident fund
F35_F3F2
Usage: Past 6 months Pension or provident fund
F36_F3A
Do you have savings with a group such as a co-op, VSLA, tontine, ikibina?
F36_F3C
What was the main reason for you to choose to keep your savings in a group?
F36_F3D
Does this way of saving meet your saving needs? Group
F36_F3E
If not, what is the main reason for it not meeting your need? Group
F36_F3F1
Usage: Past month Group
F36_F3F2
Usage: Past 6 months Group
F37_F3A
Do you have savings with someone in community who keeps it safe for you?
F37_F3C
What was the main reason for you to choose to keep your savings with someone in community?
F37_F3D
Does this way of saving meet your saving needs? Someone in community
F37_F3E
If not, what is the main reason for it not meeting your need? Someone in community
F37_F3F1
Usage: Past month Someone in the community
F37_F3F2
Usage: Past 6 months Someone in the community
F38_F3A
Do you have savings with someone in household or family who keeps it safe for you?
F38_F3C
What was the main reason for you to choose to keep your savings with someone in household or family?
F38_F3D
Does this way of saving meet your saving needs? Household or family member
F38_F3E
If not, what is the main reason for it not meeting your need? Household or family member
F38_F3F1
Usage: Past month Someone in household or family
F38_F3F2
Usage: Past 6 months Someone in the household or family
F39_F3A
Do you buy things to sell later as a form of savings?
F39_F3C
What was the main reason for you to choose to save in this way?
F39_F3D
Does this way of saving meet your saving needs? Buy assets
F39_F3E
If not, what is the main reason for it not meeting your need? Buy assets
F39_F3F1
Usage: Past month Buying assets
F39_F3F2
Usage: Past 6 months Buying assets
F310_F3A
Do you have savings in a secret place at home?
F310_F3C
What was the main reason for you to choose to keep your savings at home?
F310_F3D
Does this way of saving meet your saving needs? Home
F310_F3E
If not, what is the main reason for it not meeting your need? Home
F310_F3F1
Usage: Past month Home savings
F310_F3F2
Usage: Past 6 months Home savings
F311_F3A
Do you have any other savings mechanism not mentioned?
F311_F3C
What was the main reason for you to choose to keep your savings in this way?
F311_F3D
Does this way of saving meet your saving needs? Other
F311_F3E
If not, what is the main reason for it not meeting your need? Other
F311_F3F1
Usage: Past month Other
F311_F3F2
Usage: Past 6 months Other
F4
What are you mainly saving or putting money away for?
G1A
You avoid borrowing money if you can
G1B
You prefer to save money for something rather than borrow to pay for it
G1C
Without borrowing money you would not be able to pay for your children’s education
G1D
If you borrow money it is okay to pay it a bit later than agreed
G1E
It is okay to borrow money to pay back outstanding debt
G1F
Being able to borrow money when you need it is more important than the amount of money you have to pay back
G1G
It is better to remain with debt than to sell something to pay it
G1H
It is better to keep savings than to use it to pay a debt
G1I
You would be ashamed/embarrassed to admit that you need to borrow money to meet your needs
G1J
You would be ashamed/embarrassed if you were not able to pay back money that you owe
G2A
Did you borrow money from anybody or any institution during the past 12 months?
G2B
Have you, in the past 12 months, been paying back money that you borrowed from anybody or any institution?
G2C
During the past 12 months, did you get any goods/services in advance and had to for pay it later?
G3
Non-borrowers: What is the main reason why you have not borrowed money?
G41_G4A
Borrowed money from a bank
G41_G4B1
With which institution(s)?
G41_G4B2
With which institution(s)?
G42_G4A
Borrowed money from a MFI or a non-umurenge SACCO
G42_G4B1
With which institution(s)?
G42_G4B2
With which institution(s)?
G43_G4A
Borrowed from an umurenge SACCO
G44_G4A
Got a loan from Government (Ubudehe credit scheme/VUP loan)
G45_G4A
Borrowed money from your employer
G46_G4A
Borrowed money from a group such as a co-op, VLSA, tontine, ikibina
G47_G4A
Borrowed money from a money lender in the community
G48_G4A
Borrowed money or got goods in advance from an agricultural buyer or a farmers organisation
G49_G4A
Borrowed money from a church or other community based organisation
G410_G4A
Borrowed money from family/friends that you had to pay back
G411_G4A
Got money from family/friends that you did not have to pay back
G412_G4A
Got goods in advance from a shop/store and had to pay back later
G413_G4A
Borrowed from other sources
G4_G4C
More than one lender: Who did you borrow the most money from?
G5
Borrowers: What did you borrow the most money for?
G6
What is the most important thing you take into account when you choose who to borrow from when you want to borrow money?
G7A
In the past 6 months, have you been refused a loan by a bank or SACCO or MFI?
G7B
Those refused a loan:What was the main reason given for the refusal?
H11_H1A
Experienced: Increase in household size
H11_H1B
Those experienced: How did you cope financially? Increase in household size
H12_H1A
Experienced: A household member who used to bring in cash for the household does not bring in cash anymore
H12_H1B
Those experienced: How did you cope financially? A household member does not bring in cash anymore
H13_H1A
Experienced: Having to pay unforeseen expenses such as medical/funeral/school fees
H13_H1B
Those experienced: How did you cope financially? Having to pay unforeseen expenses such as medical/funeral/school fees
H14_H1A
Experienced: Unexpected rise in prices of goods, fuel
H14_H1B
Those experienced: How did you cope financially? Unexpected rise in prices of goods, fuel
H15_H1A
Experienced: Running out of money to meet household expenses
H15_H1B
Those experienced: How did you cope financially? Running out of money to meet household expenses
H16_H1A
Experienced: Harvest/livestock loss
H16_H1B
Those experienced: How did you cope financially? Harvest/livestock loss
H17_H1A
Experienced: Loss of an asset/dwelling/land
H17_H1B
Those experienced: How did you cope financially? Loss of an asset/dwelling/land
H2A
Insurance is not a way of saving because they never pay out
H2B
Having insurance is a good way of protecting yourself for when things go wrong
H2C
It is better to have savings to fall back on when you suffer a loss rather than to have insurance
H2D
You understand how insurance works
H2E
You are responsible to make arrangements for the costs associated with your funeral before you die
H31_H3A
Medical insurance (including RAMA, MMI)
H31_H3B
If not self covered: Are you covered by someone else’s insurance? Medical insurance
H32_H3A
Mutuelle de Sante (MdS)
H32_H3B
If not self covered: Are you covered by someone else’s insurance? Mutuelle de Sante
H41
Third party insurance
H42
Household insurance
H43
Life insurance
H44
Credit life (insurance linked to a loan)
H45
Caisse Sociale du Rwanda/Rwanda Social Security Board
H46
Other insurance
H5
Uninsured: Main reason for not having insurance
H6
Who will pay the costs associated with your funeral?
I1A
In the past 6 months, have you sent money to someone in a different place within the country?
I1B
In the past 6 months, have you sent money to someone outside the country?
I21_I2A
Who did you send money to? Spouse
I21_I2B
Where were you sending the money? Spouse
I21_I2C
How often do you send money? Spouse
I21_I2D
How do you mostly send money? Spouse
I21_I2E
How much did you send the last time? Spouse
I22_I2A
Who did you send money to? Child
I22_I2B
Where were you sending the money? Child
I22_I2C
How often do you send money? Child
I22_I2D
How do you mostly send money? Child
I22_I2E
How much did you send the last time? Child
I23_I2A
Who did you send money to? Parent
I23_I2B
Where were you sending the money? Parent
I23_I2C
How often do you send money? Parent
I23_I2D
How do you mostly send money? Parent
I23_I2E
How much did you send the last time? Parent
I24_I2A
Who did you send money to? Other family member
I24_I2B
Where were you sending the money? Other family member
I24_I2C
How often do you send money? Other family member
I24_I2D
How do you mostly send money? Other family member
I24_I2E
How much did you send the last time? Other family member
I25_I2A
Who did you send money to? Friend
I25_I2B
Where were you sending the money? Friend
I25_I2C
How often do you send money? Friend
I25_I2D
How do you mostly send money? Friend
I25_I2E
How much did you send the last time? Friend
I26_I2A
Who did you send money to? Supplier or business
Total: 668
Back to Catalog