From 13 January to 13 February 2012, the Institute of Sociology under the
National Academy of Sciences of Belarus conducted a nationally representative
sample survey to measure aspects of financial inclusion among households and
individuals, including demand, frequency and intensity of utilisation of financial
services. The survey sample included 2500 respondents. The Institute of Economic
Research under the Ministry of Economy (State Research Institution, SRI),
performed the analysis of the survey data and constructed an econometric model of
the Total Financial Inclusion Index (TFI) for households and individuals. This Report
presents the findings of this analysis.