ZWE_2017_FINDEX_v02_M
DDI_ZWE_2017_FINDEX_v02_M_WB
Development Economics Data Group
2018-10-09
Nesstar Publisher
Development Research Group, Finance and Private Sector Development Unit
Version 02 (October 2018)
Global Financial Inclusion (Global Findex) Database 2017
FINDEX 2017
ZWE_2017_FINDEX_v02_M
Development Research Group, Finance and Private Sector Development Unit
Gallup, Inc.
Nesstar Publisher
Development Research Group, World Bank
The Bill and Melinda Gates Foundation
Global Findex (World Bank)
Development Research Group, Finance and Private Sector Development Unit
Other Household Survey [hh/oth]
Zimbabwe
National coverage
Individual
The target population is the civilian, non-institutionalized population 15 years and above.
Observation data/ratings [obs]
The Global Findex database provides more than 200 indicators on topics such as account ownership, payments, saving, credit, and financial resilience. Global Findex data is available for more than 140 countries around the world which make up 97% of the world's population. Data is available for 2017, 2014, and 2011.
Computer Assisted Personal Interview [capi]
Interviews were conducted in the following language(s): English, Shona, Ndebele
Data weighting is used to ensure a nationally rep¬resentative sample for each economy. Final weights consist of the base sampling weight, which corrects for unequal probability of selection based on house¬hold size, and the poststratification weight, which corrects for sampling and nonresponse error. Poststratification weights use economy-level population statistics on gender and 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-specific margins of error, please refer to the Methodology section and corresponding table in Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess. 2018. The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank
Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess. 2018. The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank. Ref: ZWE_2017_FINDEX_v02_M. Accessed at [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.
micro_zwe.NSDstat
1000
103
Nesstar 200801
Economy
1000
0
Zimbabwe
1000
Economy Code
1000
0
ZWE
1000
Gallup World Poll identifier
1000
0
111271847
210995636
Weight
1000
0
0.26
2.6
Respondent is female
1000
0
1
2
1
Male
389
2
Female
611
Respondent age
997
3
15
88
15
15
22
16
16
23
17
17
31
18
18
25
19
19
23
20
20
34
21
21
34
22
22
39
23
23
20
24
24
32
25
25
30
26
26
21
27
27
30
28
28
24
29
29
18
30
30
38
31
31
16
32
32
26
33
33
20
34
34
28
35
35
26
36
36
20
37
37
27
38
38
19
39
39
21
40
40
20
41
41
19
42
42
26
43
43
10
44
44
11
45
45
10
46
46
10
47
47
10
48
48
9
49
49
11
50
50
13
51
51
6
52
52
8
53
53
10
54
54
6
55
55
14
56
56
10
57
57
8
58
58
10
59
59
9
60
60
10
61
61
6
62
62
3
63
63
4
64
64
3
65
65
18
66
66
7
67
67
12
68
68
5
69
69
5
70
70
2
71
71
4
72
72
6
73
73
2
74
74
3
75
75
4
76
76
2
77
77
2
78
78
4
79
79
0
80
80
5
81
81
1
82
82
1
83
83
6
84
84
0
85
85
1
86
86
2
87
87
1
88
88
1
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
Sysmiss
3
Respondent education level
1000
0
1
5
1
completed primary or less
268
2
secondary
673
3
completed tertiary or more
57
4
(dk)
1
5
(rf)
1
Within-economy household income quintile
1000
0
1
5
1
Poorest 20%
177
2
Second 20%
181
3
Middle 20%
176
4
Fourth 20%
213
5
Richest 20%
253
Respondent is in the workforce
1000
0
0
1
0
out of workforce
331
1
in workforce
669
Has a debit card
A/An [local terminology for ATM/debit card] is a card connected to an account at a financial institution that allows you to withdraw money, and the money is taken out of THAT ACCOUNT right away. Do you, personally, have a/an [local terminology for ATM/debit card]? Yes or no?
The respondent must CURRENTLY have a/an [local terminology for ATM/debit card])
1000
0
1
2
1
yes
249
2
no
751
3
(dk)
0
4
(ref)
0
If has debit card: card in own name
Is this [local terminology for ATM/debit card] connected to an account with your name on it?
(Skip to FIN7)]]>
249
751
1
4
1
yes
220
2
no
28
3
(dk)
0
4
(ref)
1
Sysmiss
751
If has debit card: used card in past 12 months
In the PAST 12 MONTHS, have you used your OWN [local terminology for ATM/debit card] DIRECTLY to make a purchase?
220
780
1
2
1
yes
165
2
no
55
3
(dk)
0
4
(ref)
0
Sysmiss
780
Used mobile phone or internet to access FI account
In the PAST 12 MONTHS, did you ever use a MOBILE PHONE or the Internet to make a payment, to buy something, or to send money FROM your account at a bank or another type of financial institution?
(This should not include transactions made through phone calls.)
260
740
1
3
1
yes
130
2
no
129
3
(dk)
1
4
(ref)
0
Sysmiss
740
Used mobile phone or internet to check account balance
In the PAST 12 MONTHS, have you checked your account balance using a mobile phone or the Internet?
(If respondent mentions “text messages,” code as Yes [code 1])
260
740
1
2
1
yes
169
2
no
91
3
(dk)
0
4
(ref)
0
Sysmiss
740
Has a credit card
A credit card is a card that allows you to BORROW money in order to make payments or buy things, and you can pay the balance off later. Do you, personally, have a credit card?
No/DH/Refused > (Skip to Note after FIN8)
1000
0
1
3
1
yes
19
2
no
979
3
(dk)
2
4
(ref)
0
If has credit card: used card in past 12 months
In the PAST 12 MONTHS, have you, personally, used your credit card?
(If respondent has an account at a financial institution OR has a debit card in their name which is connected to an account [code 1 in FIN1 OR code 1 in FIN3], Continue; Otherwise, Skip to FIN11)
19
981
1
2
1
yes
14
2
no
5
3
(dk)
0
4
(ref)
0
Sysmiss
981
If has account: any deposit into account in past 12 months
(READ:) Now, thinking about ALL the PERSONAL accounts you have at financial institutions, either by yourself or together with someone else...
In the PAST 12 MONTHS, has money ever been DEPOSITED into your personal account(s)? This includes cash or electronic deposits, or any time money is put into your account(s) by yourself, an employer, or another person or institution.
288
712
1
2
1
yes
205
2
no
83
3
(dk)
0
4
(ref)
0
Sysmiss
712
If has account: any withdrawal from account in past 12 months
In the PAST 12 MONTHS, has money ever been TAKEN OUT of your personal account(s)? This includes cash withdrawals you make in person, using your [local terminology for ATM/debit card] or mobile phone, electronic payments or purchases, checks, or any other time money is removed from your account(s) by yourself or by another person or institution.
(ALL in FIN10, Skip to FIN12 IN GSMA MOBILE MONEY COUNTRIES OR FIN14)
288
712
1
2
1
yes
219
2
no
69
3
(dk)
0
4
(ref)
0
Sysmiss
712
If does not have account: b/c too far away
712
288
1
4
1
yes
100
2
no
601
3
(dk)
10
4
(ref)
1
Sysmiss
288
If does not have account: b/c too expensive
712
288
1
3
1
yes
182
2
no
490
3
(dk)
40
4
(ref)
0
Sysmiss
288
If does not have account: b/c lack documentation
712
288
1
4
1
yes
323
2
no
385
3
(dk)
3
4
(ref)
1
Sysmiss
288
If does not have account: b/c lack trust
712
288
1
3
1
yes
152
2
no
548
3
(dk)
12
4
(ref)
0
Sysmiss
288
If does not have account: b/c religious reasons
712
288
1
3
1
yes
25
2
no
676
3
(dk)
11
4
(ref)
0
Sysmiss
288
If does not have account: b/c lack of money
712
288
1
3
1
yes
549
2
no
160
3
(dk)
3
4
(ref)
0
Sysmiss
288
If does not have account: b/c family member already has one
712
288
1
3
1
yes
95
2
no
608
3
(dk)
9
4
(ref)
0
Sysmiss
288
If does not have account: b/c no need for financial services
712
288
1
3
1
yes
122
2
no
589
3
(dk)
1
4
(ref)
0
Sysmiss
288
Made bill payments online using the Internet
(If respondent has used the Internet to buy something online in the past 12 months [code 1 in FIN14B], Continue; Otherwise, Skip to FIN15)
(Read FIN14A-FIN14B)
1000
0
1
2
1
yes
84
2
no
916
3
(dk)
0
4
(ref)
0
Bought something online using the Internet
(If respondent has used the Internet to buy something online in the past 12 months [code 1 in FIN14B], Continue; Otherwise, Skip to FIN15)
(Read FIN14A-FIN14B)
1000
0
1
3
1
yes
44
2
no
946
3
(dk)
10
4
(ref)
0
Paid online or in cash at delivery
(Read FIN14A-FIN14B)
44
956
1
3
1
Pay online
20
2
In cash
23
3
(dk)
1
4
(ref)
0
Sysmiss
956
Saved in past 12 months: for farm/business purposes
(ASK ALL)
1000
0
1
4
1
yes
228
2
no
770
3
(dk)
1
4
(ref)
1
Saved in past 12 months: for old age
(ASK ALL)
1000
0
1
3
1
yes
48
2
no
949
3
(dk)
3
4
(ref)
0
Saved in past 12 months: using an account at a financial institution
1000
0
1
2
1
yes
65
2
no
935
3
(dk)
0
4
(ref)
0
Saved in past 12 months: using an informal savings club
1000
0
1
4
1
yes
236
2
no
763
3
(dk)
0
4
(ref)
1
Has loan from a financial institution for home, apartment, or land
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
(ASK ALL)
1000
0
1
2
1
yes
38
2
no
962
3
(dk)
0
4
(ref)
0
Borrowed in past 12 months: for medical purposes
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
(ASK ALL)
1000
0
1
2
1
yes
121
2
no
879
3
(dk)
0
4
(ref)
0
Borrowed in past 12 months: for farm/business purposes
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
(ASK ALL)
1000
0
1
3
1
yes
83
2
no
916
3
(dk)
1
4
(ref)
0
Borrowed in past 12 months: from a financial institution
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
1000
0
1
4
1
yes
47
2
no
952
3
(dk)
0
4
(ref)
1
Borrowed in past 12 months: from family or friends
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
1000
0
1
3
1
yes
377
2
no
622
3
(dk)
1
4
(ref)
0
Borrowed in past 12 months: from an informal savings club
(If respondent has borrowed money from a financial institution, from family, relatives, or friends, or from an informal savings group/club [code 1 to ANY in FIN20, FIN21, FIN22A, FIN22B, OR FIN22C], Skip to FIN24; Otherwise, Continue)
236
764
1
2
1
yes
78
2
no
158
3
(dk)
0
4
(ref)
0
Sysmiss
764
Possibility of coming up with emergency funds
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
(Continue)
Not possible > (Skip to FIN26)
(DK) > (Continue)
(Refused) > Continue]]>
(ASK ALL)
1000
0
1
3
1
Possible
451
2
Not possible
523
3
(dk)
26
4
(ref)
0
Main source of emergency funds
(Read 1-5)
451
549
1
8
1
Main source: Savings
55
2
Main source: Family or friends
134
3
Main source: Money from working
163
4
Main source: Borrowing from a bank, empoyer, or private lend
20
5
Main source: Selling assets
38
6
Main source: Some other source
38
7
(dk)
1
8
ref
2
Sysmiss
549
Sent domestic remittances in past 12 months
(Continue)
No/ DK/ Refused > (Skip to FIN28)]]>
1000
0
1
3
1
yes
348
2
no
651
3
(dk)
1
4
(ref)
0
If sent domestic remittances: through a financial institution
(Read FIN27A-FIN27B)
348
652
1
2
1
yes
73
2
no
275
3
(dk)
0
4
(ref)
0
Sysmiss
652
If sent domestic remittances: through a mobile phone
(If respondent has given or sent money through a financial institution OR through a mobile phone [code 1 in FIN27A OR code 1 in FIN27B], Skip to FIN28; Otherwise, Continue)
(Read FIN27A-FIN27B)
348
652
1
2
1
yes
298
2
no
50
3
(dk)
0
4
(ref)
0
Sysmiss
652
If sent domestic remittances: in cash
(Read FIN27C1-FIN27C2)
40
960
1
2
1
yes
34
2
no
6
3
(dk)
0
4
(ref)
0
Sysmiss
960
If sent domestic remittances: through an MTO
(Read FIN27C1-FIN27C2)
40
960
1
2
1
yes
7
2
no
33
3
(dk)
0
4
(ref)
0
Sysmiss
960
Received domestic remittances in past 12 months
(Continue)
No/DK/Refused > (Skip to FIN30)]]>
1000
0
1
2
1
yes
493
2
no
507
3
(dk)
0
4
(ref)
0
If received domestic remittances: through a financial institution
(Read FIN29A-FIN29B)
493
507
1
3
1
yes
96
2
no
396
3
(dk)
1
4
(ref)
0
Sysmiss
507
If received domestic remittances: through a mobile phone
(If respondent has received money through a financial institution OR through a mobile phone [code 1 in FIN29A OR code 1 in FIN29B], Skip to FIN30; Otherwise, Continue)
(Read FIN29A-FIN29B)
493
507
1
2
1
yes
372
2
no
121
3
(dk)
0
4
(ref)
0
Sysmiss
507
If received domestic remittances: in cash
(Read FIN29C1-FIN29C2)
109
891
1
2
1
yes
99
2
no
10
3
(dk)
0
4
(ref)
0
Sysmiss
891
If received domestic remittances: through an MTO
(Read FIN29C1-FIN29C2)
109
891
1
2
1
yes
13
2
no
96
3
(dk)
0
4
(ref)
0
Sysmiss
891
Paid utility bills in past 12 months
In the PAST 12 MONTHS, have you, personally, made regular payments for electricity, water, OR trash collection? Yes or no?
(Continue)
No/DK/Refused >(Skip to FIN32)]]>
1000
0
1
4
1
yes
310
2
no
683
3
(dk)
6
4
(ref)
1
If paid utility bills: using an account
(If respondent has made payments for electricity, water, OR trash collection through an account at a financial institution OR through a mobile phone [code 1 in FIN31A OR code 1 in FIN31B], Skip to FIN32; Otherwise, Continue)
(Read FIN31A-FIN31B)
310
690
1
3
1
yes
76
2
no
233
3
(dk)
1
4
(ref)
0
Sysmiss
690
If paid utility bills: through a mobile phone
(If respondent has made payments for electricity, water, OR trash collection through an account at a financial institution OR through a mobile phone [code 1 in FIN31A OR code 1 in FIN31B], Skip to FIN32; Otherwise, Continue)
(Read FIN31A-FIN31B)
310
690
1
2
1
yes
140
2
no
170
3
(dk)
0
4
(ref)
0
Sysmiss
690
If paid utility bills: in cash
In the PAST 12 MONTHS, have you, personally, made payments for electricity, water, OR trash collection in any of the following ways? (Read) You made a payment using cash.
139
861
1
2
1
yes
126
2
no
13
3
(dk)
0
4
(ref)
0
Sysmiss
861
Received wage payments in past 12 months
(Continue)
No/DK/Refused > (Skip to FIN37)]]>
(Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer)
1000
0
1
3
1
yes
219
2
no
780
3
(dk)
1
4
(ref)
0
If received wage payments: work in public sector
In the PAST 12 MONTHS, have you been employed by the government, military, or public sector? Yes or no?
219
781
1
2
1
yes
50
2
no
169
3
(dk)
0
4
(ref)
0
Sysmiss
781
If received wage payments: into an account
(If respondent received payments from an employer for salary or wages directly into an account at a financial institution OR through a mobile phone [code 1 in FIN34A OR code 1 in FIN34B], Skip to FIN35; Otherwise, Continue)
(Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer) (Read FIN34A-FIN34B)
219
781
1
2
1
yes
106
2
no
113
3
(dk)
0
4
(ref)
0
Sysmiss
781
If received wage payments: through a mobile phone
(If respondent received payments from an employer for salary or wages directly into an account at a financial institution OR through a mobile phone [code 1 in FIN34A OR code 1 in FIN34B], Skip to FIN35; Otherwise, Continue)
(Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer) (Read FIN34A-FIN34B)
219
781
1
2
1
yes
58
2
no
161
3
(dk)
0
4
(ref)
0
Sysmiss
781
If received wage payments: in cash
(All in FIN34C2, Skip to FIN37)
(Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer) (Read FIN34C1-FIN34C2)
78
922
1
2
1
yes
72
2
no
6
3
(dk)
0
4
(ref)
0
Sysmiss
922
If received wage payments: to a card
(All in FIN34C2, Skip to FIN37)
(Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer) (Read FIN34C1-FIN34C2)
78
922
2
2
1
yes
0
2
no
78
3
(dk)
0
4
(ref)
0
Sysmiss
922
If received cashless wage payments: first account
Thinking about the account you use to receive payments from an employer, was it the first account you ever opened, or not?
(Continue)
No/DK/Refused > (Skip to FIN37)]]>
141
859
1
3
1
Yes
55
2
No
84
3
(DK)
2
4
(Refused)
0
Sysmiss
859
If received cashless wage payments: opened to receive payments
Did you open this account in order to receive payments from this employer?
55
945
1
2
1
Yes
45
2
No
10
3
(DK)
0
4
(Refused)
0
Sysmiss
945
Received government transfers in past 12 months
In the PAST 12 MONTHS, have you, personally, RECEIVED any financial support from the government? This money could include payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of SOCIAL BENEFITS. Please do NOT include wages or any payments related to work.
1000
0
1
4
1
yes
116
2
no
882
3
(dk)
1
4
(ref)
1
Received government transfers in past 12 months: pension
In the PAST 12 MONTHS, have you, personally, received a pension from the government, military, or public sector?
(If respondent received financial support from the government or a pension from the government, military, or public sector [code 1 in FIN37 OR code 1 in FIN38, Continue; Otherwise, Skip to FIN42)
1000
0
1
4
1
yes
37
2
no
960
3
(dk)
2
4
(ref)
1
If received government transfers: into an account
(If respondent received any money from the government directly into an account at a financial institution OR through a mobile phone [code 1 in FIN39A OR code 1 in FIN39B], Skip to FIN40; Otherwise, Continue)
(Read FIN39A-FIN39B)
143
857
1
3
1
yes
43
2
no
99
3
(dk)
1
4
(ref)
0
Sysmiss
857
If received government transfers: through a mobile phone
(If respondent received any money from the government directly into an account at a financial institution OR through a mobile phone [code 1 in FIN39A OR code 1 in FIN39B], Skip to FIN40; Otherwise, Continue)
(Read FIN39A-FIN39B)
143
857
1
3
1
yes
22
2
no
120
3
(dk)
1
4
(ref)
0
Sysmiss
857
If received government transfers: in cash
(Read FIN39C1-FIN39C2)
82
918
1
2
1
yes
24
2
no
58
3
(dk)
0
4
(ref)
0
Sysmiss
918
If received government transfers: to a card
(All in FIN39C2, Skip to FIN42)
(Read FIN39C1-FIN39C2)
82
918
1
3
1
yes
1
2
no
80
3
(dk)
1
4
(ref)
0
Sysmiss
918
If received cashless government transfers: first account
Continue
No/DK/Refused > (Skip to FIN42)]]>
8
992
1
2
1
Yes
4
2
No
4
3
(DK)
0
4
(Refused)
0
Sysmiss
992
If received cashless government transfers: opened to receive payments
4
996
1
2
1
Yes
3
2
No
1
3
(DK)
0
4
(Refused)
0
Sysmiss
996
Received agricultural payments in past 12 months
(Continue)
No/DK/Refused > (Skip to Note before FIN46)]]>
1000
0
1
3
1
yes
188
2
no
811
3
(dk)
1
4
(ref)
0
If received agricultural payments: into an account
(If respondent received any money for the sale of agricultural products, crops, produce, or livestock directly into an account at a financial institution OR through a mobile phone [code 1 in FIN43A OR code 1 in FIN43B], Skip to FIN44; Otherwise, Continue)
(Read FIN43A-FIN43B)
188
812
1
2
1
yes
21
2
no
167
3
(dk)
0
4
(ref)
0
Sysmiss
812
If received agricultural payments: through a mobile phone
(If respondent received any money for the sale of agricultural products, crops, produce, or livestock directly into an account at a financial institution OR through a mobile phone [code 1 in FIN43A OR code 1 in FIN43B], Skip to FIN44; Otherwise, Continue)
(Read FIN43A-FIN43B)
188
812
1
3
1
yes
48
2
no
139
3
(dk)
1
4
(ref)
0
Sysmiss
812
If received agricultural payments: in cash
(Read FIN43C1-FIN43C2
132
868
1
2
1
yes
127
2
no
5
3
(dk)
0
4
(ref)
0
Sysmiss
868
If received agricultural payments: to a card
(All in FIN43C2, Skip to Note before FIN47C3)
(Read FIN43C1-FIN43C2
132
868
2
2
1
yes
0
2
no
132
3
(dk)
0
4
(ref)
0
Sysmiss
868
If received agricultural payments: opened to receive payments
(Continue)
No /DK/Refused > (Skip to Note before FIN47C3)]]>
56
944
1
3
1
yes
12
2
no
42
3
(dk)
2
4
(ref)
0
Sysmiss
944
If received agricultural payments: opened to receive payments
Did you open this account in order to receive these payments?
(If respondent received salary from an employer OR received payment for the sale of agricultural goods [code 1 in FIN32 OR code 1 in FIN42], Skip to Note before FIN47C3; Otherwise, Continue)
12
988
1
2
1
yes
5
2
no
7
3
(dk)
0
4
(ref)
0
Sysmiss
988
Received self-employment payments: in past 12 months
(Continue)
No/DK/Refused > (Skip to Note before FIN47C3)]]>
631
369
1
2
1
yes
196
2
no
435
3
(dk)
0
4
(ref)
0
Sysmiss
369
If received self-employment payments: into an account
(If respondent received any money from their business or from selling goods directly into an account at a financial institution OR through a mobile phone [code 1 in FIN47A OR code 1 in FIN47B], Skip to Note before FIN47C3; Otherwise, Continue)
(Read FIN47A-FIN47B)
196
804
1
2
1
yes
17
2
no
179
3
(dk)
0
4
(ref)
0
Sysmiss
804
If received self-employment payments: through a mobile phone
(If respondent received any money from their business or from selling goods directly into an account at a financial institution OR through a mobile phone [code 1 in FIN47A OR code 1 in FIN47B], Skip to Note before FIN47C3; Otherwise, Continue)
(Read FIN47A-FIN47B)
196
804
1
3
1
yes
72
2
no
123
3
(dk)
1
4
(ref)
0
Sysmiss
804
If received self-employment payments: in cash
(If code 2, 3, or 4 in FIN1 AND [code 2, 3, or 4 in FIN2 OR code 2, 3, or 4 in FIN3] AND code 1 to ANY in FIN31A, FIN34A, FIN34C2, FIN39A, FIN39C2, FIN43A, FIN43C2, FIN47A, OR FIN47C2, Continue; Otherwise, Skip to FIN48)
(Read FIN47C1-FIN47C2)
118
882
1
2
1
yes
111
2
no
7
3
(dk)
0
4
(ref)
0
Sysmiss
882
If received self-employment payments: to a card
(If code 2, 3, or 4 in FIN1 AND [code 2, 3, or 4 in FIN2 OR code 2, 3, or 4 in FIN3] AND code 1 to ANY in FIN31A, FIN34A, FIN34C2, FIN39A, FIN39C2, FIN43A, FIN43C2, FIN47A, OR FIN47C2, Continue; Otherwise, Skip to FIN48)
(Read FIN47C1-FIN47C2)
118
882
1
3
1
yes
1
2
no
116
3
(dk)
1
4
(ref)
0
Sysmiss
882
Marginal: Used debit card in your own name
In the PAST 12 MONTHS, have you used your OWN [insert local terminology for ATM/debit card] DIRECTLY to make a purchase?
30
970
1
2
1
yes
1
2
no
29
3
(dk)
0
4
(ref)
0
Sysmiss
970
Marginal: Used mobile phone or internet to access FI account
In the PAST 12 MONTHS, did you ever use a MOBILE PHONE or the Internet to make a payment, to buy something, or to send money FROM your account at a bank or another type of financial institution?
(This should not include transactions made through phone calls.)
30
970
1
2
1
yes
8
2
no
22
3
(dk)
0
4
(ref)
0
Sysmiss
970
Marginal: Used mobile phone or internet to check account balance
In the PAST 12 MONTHS, have you checked your account balance using a mobile phone or the Internet?
(If respondent mentions “text messages,” code as Yes [code 1])
30
970
1
2
1
yes
7
2
no
23
3
(dk)
0
4
(ref)
0
Sysmiss
970
Owns a mobile phone
1000
0
1
4
1
yes
809
2
no
189
3
(dk)
0
4
(ref)
2
Has a national ID
1000
0
1
2
1
yes
878
2
no
122
3
(dk)
0
4
(ref)
0
Has an account at a financial institution
1000
0
0
1
0
685
1
yes
315
2
no
0
3
dk/ref
0
Has a mobile money account
1000
0
0
1
0
485
1
yes
515
2
no
0
3
dk/ref
0
Has an account
1000
0
0
1
0
409
1
yes
591
2
no
0
3
dk/ref
0
Saved in the past year
1000
0
0
1
0
454
1
yes
546
2
no
0
3
dk/ref
0
Borrowed in the past year
1000
0
0
1
0
513
1
yes
487
2
no
0
3
dk/ref
0
Payments: wage payments
1000
0
1
5
1
into an account
141
2
Main source: Family or friends
72
3
Main source: Money from working
6
4
Main source: Borrowing from a bank, empoyer, or private lend
780
5
Main source: Selling assets
1
6
Main source: Some other source
0
7
(dk)
0
8
ref
0
Payments: government transfers
1000
0
1
5
1
37
2
22
3
57
4
882
5
2
Payments: government pension
1000
0
1
5
1
33
2
3
3
1
4
960
5
3
Payments: selling agricultural goods
1000
0
1
5
1
56
2
127
3
5
4
811
5
1
Payments: utility bills
1000
0
1
5
1
171
2
126
3
13
4
683
5
7
Domestic remittances
1000
0
1
6
1
402
2
87
3
91
4
5
5
414
6
1
Pay online [of adults]- F2F
1000
0
0
1
0
no/dk/ref
980
1
yes
20
Pay online [of buyers]- F2F
44
956
0
1
0
no/dk/ref
24
1
yes
20
Sysmiss
956
Pay in cash when order is delivered [of adults]- F2F
1000
0
0
1
0
no/dk/ref
977
1
yes
23
Pay in cash when order is delivered [of buyers]- F2F
44
956
0
1
0
no/dk/ref
21
1
yes
23
Sysmiss
956