DDI_TUN_2011_FINDEX_v01_M_WB World Bank 2012-11-12 NADA Global Financial Inclusion (Global Findex) Database 2011 FINDEX 2011 TUN_2011_FINDEX_v01_M Development Research Group, Finance and Private Sector Development Unit Gallup, Inc. NADA Development Research Group, World Bank The Bill and Melinda Gates Foundation Global Findex The Global Financial Inclusion (Global Findex) Database is a project funded by the Bill & Melinda Gates Foundation to measure how people in 148 economies - including the poor, women, and rural residents - save, borrow, make payments and manage risk. The Global Findex indicators are drawn from survey data collected by Gallup, Inc. over the 2011 calendar year, covering more than 150,000 adults in 148 economies and representing about 97 percent of the world's population. Since 2005, Gallup has surveyed adults annually around the world, using a uniform methodology and randomly selected, nationally representative samples.The Global Findex indicators will be collected again in 2014 and 2017. Well-functioning financial systems serve a vital purpose, offering savings, credit, payment, and risk management products to people with a wide range of needs. Yet until now little had been known about the global reach of the financial sector - the extent of financial inclusion and the degree to which such groups as the poor, women, and youth are excluded from formal financial systems. Systematic indicators of the use of different financial services had been lacking for most economies. The Global Financial Inclusion (Global Findex) database provides such indicators. This database contains the first round of Global Findex indicators, measuring how adults in 148 economies save, borrow, make payments, and manage risk. The data set can be used to track the effects of financial inclusion policies globally and develop a deeper and more nuanced understanding of how people around the world manage their day-to-day finances. By making it possible to identify segments of the population excluded from the formal financial sector, the data can help policy makers prioritize reforms and design new policies. Tunisia 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 148 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. The Global Findex indicators are drawn from survey data collected by Gallup, Inc. over the 2011 calendar year, covering more than 150,000 adults in 148 economies and representing about 97 percent of the world's population. Since 2005, Gallup has surveyed adults annually around the world, using a uniform methodology and randomly selected, nationally representative samples.The Global Findex indicators will be collected again in 2014 and 2017. Surveys were conducted face-to-face. The first stage of sampling is the identification of primary sampling units, consisting of clusters of households. The primary sampling units are stratified by population size, geography, or both, and clustering is achieved through one or more stages of sampling. Where population information is available, sample selection is based on probabilities proportional to population size; otherwise, simple random sampling is used. Random route procedures are used to selected sampled households. Unless an outright refusal occurs, interviewers make up to three attempts to survey the sampled household. If an interview cannot be obtained at the initial sampled household, a simple substitution method is used. Respondents are randomly selected within the selected households by means of the Kish grid. The sample size in Tunisia was 1,021 individuals. Face-to-face [f2f] The questionnaire was designed by the World Bank, in conjunction with a Technical Advisory Board composed of leading academics, practitioners, and policy makers in the field of financial inclusion. The Bill and Melinda Gates Foundation and Gallup, Inc. also provided valuable input. The questionnaire was piloted in over 20 countries using focus groups, cognitive interviews, and field testing. The questionnaire is available in 142 languages upon request. Questions on insurance, mobile payments, and loan purposes were asked only in developing economies. The indicators on awareness and use of microfinance insitutions (MFIs) are not included in the public dataset. However, adults who report saving at an MFI are considered to have an account; this is reflected in the composite account indicator. Interviews were conducted in the following languages: Arabic. 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 reference citation for the Global Findex data is as follows: Demirguc-Kunt, Asli and L. Klapper. 2012. "Measuring Financial Inclusion: The Global Findex." Policy Research Working Paper 6025, World Bank, Washington, D.C. 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_TUN 1021 50 Economy Economy Economy Economy Economy 1021 Tunisia Economy code Economy code Economy code Economy code Economy code 1021 TUN weight weight weight weight weight 1021 0.441 1.797 1 0.386 Respondent is female Respondent is female Respondent is female Respondent is female Respondent is female Interviewer coded. 1021 1021 1 male 2 female Respondent age Respondent age Respondent age Respondent age Respondent age Please tell me your age. 1021 1021 37.156 1 1 2 2 3 3 4 4 5 5 6 6 7 7 8 8 9 9 10 10 11 11 12 12 13 13 14 14 15 15 16 16 17 17 18 18 19 19 20 20 21 21 22 22 23 23 24 24 25 25 26 26 27 27 28 28 29 29 30 30 31 31 32 32 33 33 34 34 35 35 36 36 37 37 38 38 39 39 40 40 41 41 42 42 43 43 44 44 45 45 46 46 47 47 48 48 49 49 50 50 51 51 52 52 53 53 54 54 55 55 56 56 57 57 58 58 59 59 60 60 61 61 62 62 63 63 64 64 65 65 66 66 67 67 68 68 69 69 70 70 71 71 72 72 73 73 74 74 75 75 76 76 77 77 78 78 79 79 80 80 81 81 82 82 83 83 84 84 85 85 86 86 87 87 88 88 89 89 90 90 91 91 92 92 93 93 94 94 95 95 96 96 97 97 98 98 99 99+ 100 (refused) Respondent education level Respondent education level Respondent education level Respondent education level Respondent education level What is your highest completed level of education? 1021 1021 1 completed primary or less 2 secondary 3 completed tertiary or more 4 (dk) 5 (rf) Within-econonmy income quintile Within-econonmy income quintile Within-econonmy income quintile Within-econonmy income quintile 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. 1021 1021 1 poorest 20% 2 second 20% 3 middle 20% 4 fourth 20% 5 richest 20% Has an account at a financial instititution Has an account at a financial instititution Has an account at a financial instititution Has an account at a financial instititution 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) 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Has an account at a financial institution/post office/MFI (composite indicator) Has an account at a financial institution/post office/MFI (composite indicator) Has an account at a financial institution/post office/MFI (composite indicator) Has an account at a financial institution/post office/MFI (composite indicator) Has an account at a financial institution/post office/MFI (composite indicator) Composite indicator. 1021 1021 1 yes 2 no 3 (dk) 4 (ref) If has account: purpose of account If has account: purpose of account If has account: purpose of account If has account: purpose of account 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 335 310.856 686 710.144 1 personal transactions 2 business purposes 3 both 4 (dk) 5 (refused) Sysmiss Has a debit card Has a debit card Has a debit card Has a debit card 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? 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Has a credit card Has a credit card Has a credit card Has a credit card 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? 1021 1021 1 yes 2 no 3 (dk) 4 (ref) If has account: number of monthly deposits into account If has account: number of monthly deposits into account If has account: number of monthly deposits into account If has account: number of monthly deposits into account 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. 353 328.623 668 692.377 1 2 1 - 2 times 3 3 - 5 times 4 6 times or more 5 (dk) 6 (refused) Sysmiss If has account: number of monthly withdrawals from account If has account: number of monthly withdrawals from account If has account: number of monthly withdrawals from account If has account: number of monthly withdrawals from account 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. 353 328.623 668 692.377 1 2 1 - 2 times 3 3 - 5 times 4 6 times or more 5 (dk) 6 (refused) Sysmiss If has account: most frequent mode of cash withdrawal If has account: most frequent mode of cash withdrawal If has account: most frequent mode of cash withdrawal If has account: most frequent mode of cash withdrawal 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. 353 328.623 668 692.377 1 at an atm 2 over the counter in a branch of your bank or financial institution 3 over the counter at a retail store, or 4 from some other person who is associated with your bank or financial institution 5 (do not withdraw cash) 6 (dk) 7 (refused) Sysmiss If has account: most frequent mode of cash deposit If has account: most frequent mode of cash deposit If has account: most frequent mode of cash deposit If has account: most frequent mode of cash deposit 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. 356 331.46 665 689.54 1 at an atm 2 over the counter in a branch of your bank or financial institution 3 over the counter at a retail store, or 4 using some other person who is associated with your bank or financial institution 5 (do not deposit cash) 6 (dk) 7 (refused) Sysmiss If has account: uses checks If has account: uses checks If has account: uses checks If has account: uses checks 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. 353 328.623 668 692.377 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If has account: uses electronic payments If has account: uses electronic payments If has account: uses electronic payments If has account: uses electronic payments 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. 353 328.623 668 692.377 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If has account: uses it to receive work payments If has account: uses it to receive work payments If has account: uses it to receive work payments If has account: uses it to receive work payments 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. 353 328.623 668 692.377 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If has account: uses it to receive gov't payments If has account: uses it to receive gov't payments If has account: uses it to receive gov't payments If has account: uses it to receive gov't payments 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. 353 328.623 668 692.377 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If has account: uses it to receive money from family If has account: uses it to receive money from family If has account: uses it to receive money from family If has account: uses it to receive money from family 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. 353 328.623 668 692.377 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If has account: uses it to send money to family If has account: uses it to send money to family If has account: uses it to send money to family If has account: uses it to send money to family 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. 353 328.623 668 692.377 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If does not have account: b/c too far away If does not have account: b/c too far away If does not have account: b/c too far away If does not have account: b/c too far away If does not have account: b/c too far away Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: They are too far away Asked to those without an account. Multiple responses for not having an account permitted. 665 689.54 356 331.46 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If does not have account: b/c too expensive If does not have account: b/c too expensive If does not have account: b/c too expensive If does not have account: b/c too expensive If does not have account: b/c too expensive Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: They are too expensive Asked to those without an account. Multiple responses for not having an account permitted. 665 689.54 356 331.46 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If does not have account: b/c lack documentation If does not have account: b/c lack documentation If does not have account: b/c lack documentation If does not have account: b/c lack documentation If does not have account: b/c lack documentation Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: You don't have the necessary documentation (ID, wage slip) Asked to those without an account. Multiple responses for not having an account permitted. 665 689.54 356 331.46 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If does not have account: b/c lack trust If does not have account: b/c lack trust If does not have account: b/c lack trust If does not have account: b/c lack trust If does not have account: b/c lack trust Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: You don't trust them Asked to those without an account. Multiple responses for not having an account permitted. 665 689.54 356 331.46 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If does not have account: b/c lack of money If does not have account: b/c lack of money If does not have account: b/c lack of money If does not have account: b/c lack of money If does not have account: b/c lack of money Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: You don't have enough money to use them Asked to those without an account. Multiple responses for not having an account permitted. 665 689.54 356 331.46 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If does not have account: b/c religious reasons If does not have account: b/c religious reasons If does not have account: b/c religious reasons If does not have account: b/c religious reasons If does not have account: b/c religious reasons Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: Because of religious reasons Asked to those without an account. Multiple responses for not having an account permitted. 665 689.54 356 331.46 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If does not have account: b/c family member already has one If does not have account: b/c family member already has one If does not have account: b/c family member already has one If does not have account: b/c family member already has one If does not have account: b/c family member already has one Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: Because someone else in the family already has an ac­count Asked to those without an account. Multiple responses for not having an account permitted. 665 689.54 356 331.46 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Has saved money in the past 12 months Has saved money in the past 12 months Has saved money in the past 12 months Has saved money in the past 12 months Has saved money in the past 12 months In the past 12 months, have you saved or set aside any money? 1021 1021 1 yes 2 no 3 (dk) 4 (ref) If saved: saved for future expenses (education, wedding) If saved: saved for future expenses (education, wedding) If saved: saved for future expenses (education, wedding) If saved: saved for future expenses (education, wedding) 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. 262 255.805 759 765.195 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If saved: saved for emergencies If saved: saved for emergencies If saved: saved for emergencies If saved: saved for emergencies 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. 262 255.805 759 765.195 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If saved: saved at a financial institution If saved: saved at a financial institution If saved: saved at a financial institution If saved: saved at a financial institution 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. 262 255.805 759 765.195 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If saved: saved using a savings club If saved: saved using a savings club If saved: saved using a savings club If saved: saved using a savings club 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. 262 255.805 759 765.195 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Borrowed money from financial institution in past 12 months Borrowed money from financial institution in past 12 months Borrowed money from financial institution in past 12 months Borrowed money from financial institution in past 12 months 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? 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Borrowed money from a store (store credit) in past 12 months Borrowed money from a store (store credit) in past 12 months Borrowed money from a store (store credit) in past 12 months Borrowed money from a store (store credit) in past 12 months 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? 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Borrowed money from family or friends in past 12 months Borrowed money from family or friends in past 12 months Borrowed money from family or friends in past 12 months Borrowed money from family or friends in past 12 months Borrowed money from family or friends in past 12 months In the past 12 months, have you borrowed any money from family or friends? 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Borrowed money from employer in past 12 months Borrowed money from employer in past 12 months Borrowed money from employer in past 12 months Borrowed money from employer in past 12 months Borrowed money from employer in past 12 months In the past 12 months, have you borrowed any money from employer? 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Borrowed money from another private lender in past 12 months Borrowed money from another private lender in past 12 months Borrowed money from another private lender in past 12 months Borrowed money from another private lender in past 12 months Borrowed money from another private lender in past 12 months In the past 12 months, have you borrowed any money from another private lender? 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Currently has loan for home purchase Currently has loan for home purchase Currently has loan for home purchase Currently has loan for home purchase 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. 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Personally has health insurance in addition to nat'l insurance Personally has health insurance in addition to nat'l insurance Personally has health insurance in addition to nat'l insurance Personally has health insurance in addition to nat'l insurance 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]? 1021 1021 1 yes 2 no 3 (dk) 4 (ref) If has insurance: has personally purchased insurance If has insurance: has personally purchased insurance If has insurance: has personally purchased insurance If has insurance: has personally purchased insurance If has insurance: has personally purchased insurance Did you, personally, purchase this insurance? Asked to those who said they personally purchased health insurance. 137 127.876 884 893.124 1 yes 2 no 3 (dk) 4 (ref) Sysmiss If ag worker: has personally paid for crop/rainfall/livestock insurance If ag worker: has personally paid for crop/rainfall/livestock insurance If ag worker: has personally paid for crop/rainfall/livestock insurance If ag worker: has personally paid for crop/rainfall/livestock insurance 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. 3 2.817 1018 1018.183 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Currently has loan for home construction Currently has loan for home construction Currently has loan for home construction Currently has loan for home construction 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. 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Currently has loan for school fees Currently has loan for school fees Currently has loan for school fees Currently has loan for school fees 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. 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Currently has loan for emergency/health purposes Currently has loan for emergency/health purposes Currently has loan for emergency/health purposes Currently has loan for emergency/health purposes 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. 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Currently has loan for funeral/wedding Currently has loan for funeral/wedding Currently has loan for funeral/wedding Currently has loan for funeral/wedding 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. 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Has used a mobile phone to pay bills in past 12 months Has used a mobile phone to pay bills in past 12 months Has used a mobile phone to pay bills in past 12 months Has used a mobile phone to pay bills in past 12 months 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? 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Has used a mobile phone to send money in past 12 months Has used a mobile phone to send money in past 12 months Has used a mobile phone to send money in past 12 months Has used a mobile phone to send money in past 12 months 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? 1021 1021 1 yes 2 no 3 (dk) 4 (ref) Has used a mobile phone to receive money in past 12 months Has used a mobile phone to receive money in past 12 months Has used a mobile phone to receive money in past 12 months Has used a mobile phone to receive money in past 12 months 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? 1021 1021 1 yes 2 no 3 (dk) 4 (ref)