FINAL7template_2011_FINDEX_v01_M DDI_CRI_2011_FINDEX_v02_M_WB Development Economics Data Group 2015-04-08 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 CRI_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 Costa Rica 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: Spanish. 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 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_CRI.NSDstat 1000 50 Nesstar 200801 Economy 1000 0 Costa Rica 1000 Economy code 1000 0 CRI 1000 weight 1000 0 0.389 3.06 Respondent is female Interviewer coded. 1000 0 1 2 1 male 452 2 female 548 Respondent age Please tell me your age. 1000 0 15 89 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 29 16 16 22 17 17 33 18 18 33 19 19 25 20 20 26 21 21 25 22 22 26 23 23 19 24 24 26 25 25 15 26 26 24 27 27 22 28 28 24 29 29 27 30 30 15 31 31 16 32 32 23 33 33 18 34 34 13 35 35 22 36 36 10 37 37 16 38 38 20 39 39 14 40 40 17 41 41 22 42 42 26 43 43 12 44 44 21 45 45 19 46 46 18 47 47 11 48 48 21 49 49 24 50 50 13 51 51 11 52 52 17 53 53 14 54 54 11 55 55 9 56 56 13 57 57 10 58 58 14 59 59 10 60 60 10 61 61 10 62 62 10 63 63 11 64 64 5 65 65 9 66 66 3 67 67 4 68 68 8 69 69 7 70 70 11 71 71 2 72 72 6 73 73 10 74 74 4 75 75 7 76 76 1 77 77 1 78 78 1 79 79 3 80 80 4 81 81 1 82 82 3 83 83 3 84 84 4 85 85 1 86 86 1 87 87 3 88 88 0 89 89 1 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 3 1 completed primary or less 398 2 secondary 491 3 completed tertiary or more 111 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 5 1 poorest 20% 165 2 second 20% 199 3 middle 20% 221 4 fourth 20% 225 5 richest 20% 190 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 4 1 yes 411 2 no 584 3 (dk) 0 4 (ref) 5 Has an account at a financial institution/post office/MFI (composite indicator) Composite indicator. 1000 0 1 2 1 yes 498 2 no 502 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 404 596 1 5 1 personal transactions 332 2 business purposes 3 3 both 44 4 (dk) 11 5 (refused) 14 Sysmiss 596 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 2 1 yes 424 2 no 576 3 (dk) 0 4 (ref) 0 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 2 1 yes 108 2 no 892 3 (dk) 0 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. 498 502 1 6 1 0 127 2 1 - 2 times 280 3 3 - 5 times 59 4 6 times or more 14 5 (dk) 13 6 (refused) 5 Sysmiss 502 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. 498 502 1 6 1 0 42 2 1 - 2 times 277 3 3 - 5 times 87 4 6 times or more 66 5 (dk) 19 6 (refused) 7 Sysmiss 502 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. 498 502 1 7 1 at an atm 356 2 over the counter in a branch of your bank or financial institution 80 3 over the counter at a retail store, or 11 4 from some other person who is associated with your bank or financial institution 2 5 (do not withdraw cash) 42 6 (dk) 1 7 (refused) 6 Sysmiss 502 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. 510 490 1 7 1 at an atm 37 2 over the counter in a branch of your bank or financial institution 311 3 over the counter at a retail store, or 5 4 using some other person who is associated with your bank or financial institution 5 5 (do not deposit cash) 132 6 (dk) 7 7 (refused) 13 Sysmiss 490 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. 498 502 1 2 1 yes 27 2 no 471 3 (dk) 0 4 (ref) 0 Sysmiss 502 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. 498 502 1 2 1 yes 122 2 no 376 3 (dk) 0 4 (ref) 0 Sysmiss 502 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. 498 502 1 2 1 yes 264 2 no 234 3 (dk) 0 4 (ref) 0 Sysmiss 502 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. 498 502 1 2 1 yes 145 2 no 353 3 (dk) 0 4 (ref) 0 Sysmiss 502 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. 498 502 1 2 1 yes 86 2 no 412 3 (dk) 0 4 (ref) 0 Sysmiss 502 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. 498 502 1 2 1 yes 49 2 no 449 3 (dk) 0 4 (ref) 0 Sysmiss 502 If does not have account: b/c too far away Asked to those without an account. Multiple responses for not having an account permitted. 490 510 1 4 1 yes 48 2 no 426 3 (dk) 5 4 (ref) 11 Sysmiss 510 If does not have account: b/c too expensive Asked to those without an account. Multiple responses for not having an account permitted. 490 510 1 4 1 yes 96 2 no 374 3 (dk) 9 4 (ref) 11 Sysmiss 510 If does not have account: b/c lack documentation Asked to those without an account. Multiple responses for not having an account permitted. 490 510 1 4 1 yes 77 2 no 398 3 (dk) 5 4 (ref) 10 Sysmiss 510 If does not have account: b/c lack trust Asked to those without an account. Multiple responses for not having an account permitted. 490 510 1 4 1 yes 98 2 no 371 3 (dk) 10 4 (ref) 11 Sysmiss 510 If does not have account: b/c lack of money Asked to those without an account. Multiple responses for not having an account permitted. 490 510 1 4 1 yes 171 2 no 303 3 (dk) 6 4 (ref) 10 Sysmiss 510 If does not have account: b/c religious reasons Asked to those without an account. Multiple responses for not having an account permitted. 490 510 1 4 1 yes 9 2 no 466 3 (dk) 4 4 (ref) 11 Sysmiss 510 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. 490 510 1 4 1 yes 100 2 no 373 3 (dk) 4 4 (ref) 13 Sysmiss 510 Has saved money in the past 12 months In the past 12 months, have you saved or set aside any money? 1000 0 1 2 1 yes 404 2 no 596 3 (dk) 0 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. 404 596 1 2 1 yes 214 2 no 190 3 (dk) 0 4 (ref) 0 Sysmiss 596 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. 404 596 1 2 1 yes 291 2 no 113 3 (dk) 0 4 (ref) 0 Sysmiss 596 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. 404 596 1 2 1 yes 186 2 no 218 3 (dk) 0 4 (ref) 0 Sysmiss 596 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. 404 596 1 2 1 yes 146 2 no 258 3 (dk) 0 4 (ref) 0 Sysmiss 596 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 2 1 yes 98 2 no 902 3 (dk) 0 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 2 1 yes 49 2 no 951 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 2 1 yes 75 2 no 925 3 (dk) 0 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 2 1 yes 30 2 no 970 3 (dk) 0 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 2 1 yes 19 2 no 981 3 (dk) 0 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 2 1 yes 27 2 no 973 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 2 1 yes 78 2 no 922 3 (dk) 0 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. 78 922 1 2 1 yes 39 2 no 39 3 (dk) 0 4 (ref) 0 Sysmiss 922 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. 23 977 2 2 1 yes 0 2 no 23 3 (dk) 0 4 (ref) 0 Sysmiss 977 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 4 1 yes 36 2 no 963 3 (dk) 0 4 (ref) 1 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 2 1 yes 24 2 no 976 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 4 1 yes 43 2 no 956 3 (dk) 0 4 (ref) 1 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 4 1 yes 6 2 no 993 3 (dk) 0 4 (ref) 1 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 2 2 1 yes 0 2 no 1000 3 (dk) 0 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 2 2 1 yes 0 2 no 1000 3 (dk) 0 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 2 2 1 yes 0 2 no 1000 3 (dk) 0 4 (ref) 0