DDI_SLV_2021_FINDEX_v02_M_WB Development Economics Data Group 2022-12-07 NADA Version 02 (December 2022). Global Financial Inclusion (Global Findex) Database 2021 FINDEX 2021 SLV_2021_FINDEX_v02_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 Saniya Ansar Jijun Wang Other Household Survey [hh/oth] Version 02: Edited, anonymous dataset for public distribution. El Salvador National coverage Observation data/ratings [obs] Face-to-face [f2f] GlobalFindex micro_slv.dta 2021 Global Findex - El Salvador Microdata 1002 114 Economy 1002 Economy Code 1002 International Standards Organization (ISO) 3-digit alphabetic code for each economy Gallup World Poll identifier 1002 111144396 211061872 Individual-level identifier to merge with Gallup World Poll data Weight 1002 0.231491549386577 3.15187204544163 Weight assigned to each observation Respondent is female 1002 1 2 1 female 2 male Respondent age 1001 1 15 90 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+ Sysmiss Respondent education level 1002 1 5 1 completed primary school or less 2 completed secondary school 3 completed tertiary education or more 4 (dk) 5 (rf) Within-economy household income quintile 1002 1 5 1 Poorest 20% 2 Second 20% 3 Middle 20% 4 Fourth 20% 5 Richest 20% Respondent’s within-economy household income quintile (1 to 5) Respondent is in workforce 1002 1 2 1 in the workforce 2 out of the workforce Respondent lives in rural area 1002 1 2 1 Rural 2 Urban Rural and urban classifications rely on a joint OECD-EU effort to classify these two groups based on population grids (not administrative units) that directly capture the spatial concentration of people. This is different from Gallup’s earlier measures of rurality which relied on a survey respondent’s perception of the urbanicity of their residence. The Global Findex Database 2021 uses the new estimate and provides account ownership averages for adults living in rural and urban areas. These averages are available only for those economies in which face-to-face surveys were conducted and are not compared with the 2011, 2014, and 2017 data, nor with regional or global averages. See more here - https://ghsl.jrc.ec.europa.eu/degurba.php Has an account 1002 1 no 1 yes Has an account at a financial institution 1002 1 no 1 yes The data also include an additional 3 percent of respondents in 2021 who reported receiving wages, government transfers, a public sector pension, or payments for agricultural products into an account (excluding mobile money) in the past year; paying utility bills or school fees from a financial institution account in the past year; or receiving wages, government transfers, or agricultural payments to a card in the past year. The definition does not include non-bank financial institutions such as pension funds, retirement accounts, insurance companies, or equity holdings such as stocks. Questions screened for account ownership in the questionnaire do not include these additional 3 percent of respondents. Has a mobile money account 1002 1 no 1 yes Mobile money service providers are those included in the GSM Association’s Mobile Money for the Unbanked (GSMA MMU) database. The data also includes an additional 2 percent of respondents in 2021 who received wages, government transfers, a public sector pension, or payments for agricultural products through a mobile phone in the past year. Unlike the definition of account at a financial institution, the definition of mobile money account does not include the payment of utility bills or school fees through a mobile phone. The reason is that the phrasing of the possible answers leaves it open as to whether those payments were made using a mobile money account or an over-the-counter service. Questions screened for account ownership in the questionnaire do not include these additional 2 percent of respondents. Opened first account to receive a wage payment 223 779 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts). Opened first account to receive money from the government 223 779 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts). Has a debit card 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Asked only of account owners (excluding mobile money accounts). Used a debit card 163 839 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts) that have an ATM/debit card. Used a debit card in-store 69 933 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts) that used an ATM/debit card. Used a mobile phone or internet to access account 264 738 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts). Used a mobile phone or internet to check account balance 264 738 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts). Has a credit card 264 738 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts). Used a credit card 44 958 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts) who have a credit card. Used a credit card in-store 33 969 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts) who used a credit card. Paid credit card balances in full 44 958 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts) who have a credit card. Made any deposit into the account 264 738 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts). This includes cash or electronic deposits, or any time money is put into their account(s) by themselves, by an employer, or another person or institution. Make deposits into the account two or more times per month 150 852 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts). Withdrew from the account 264 738 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts). This includes cash withdrawals made in person using a debit card or mobile phone, electronic payments or purchases, checks, or any other sanctioned circumstance in which money is removed from the account(s) either by the account owner or by another person or institution. Withdrew from the account two or more times per month 169 833 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Asked only of account owners (excluding mobile money accounts). Used account to store money 264 738 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Unbanked: use account without help 615 387 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Reason for no account: too far 738 264 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Reason for no account: too expensive 738 264 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Reason for no account: lack documentation 738 264 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Reason for no account: lack trust 738 264 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Reason for no account: religious reasons 738 264 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Reason for no account: lack money 738 264 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Reason for no account: family member already has one 738 264 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Reason for no account: no need for financial services 738 264 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Use mobile money account two or more times a month 37 965 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Use mobile money account to store money 37 965 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Use mobile money account to borrow money 37 965 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Use mobile money account without help 39 963 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Use mobile phone to pay for a purchase in-store 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Paid digitally for an in-store purchase for the first time after COVID-19 125 877 1 4 1 Only used cash 2 Used other methods, such as a card or mobile phone 3 (dk) 4 (ref) Sysmiss Paid digitally for an in-store purchase for the first time since 2020 1002 * * Made bill payments online using the Internet 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Send money to a relative or friend online using the Internet 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Bought something online using the Internet 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Paid online or in cash at delivery 83 919 1 4 1 Pay online 2 In cash 3 (both) 4 (dk) 5 (ref) Sysmiss Paid online for an online purchase for the first time after COVID-19 83 919 1 3 1 Only paid in cash 2 Paid online 3 (dk) 4 (ref) Sysmiss Paid online for an online purchase for the first time since 2020 1002 * * Saved for old age 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Saved using an account at a financial institution 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Saved using a mobile money account 51 951 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Saved using an informal savings club 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Borrowed for medical purposes 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Borrowed from a financial institution 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Borrowed from family or friends 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Borrowed from an informal savings club 35 967 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Main source of emergency funds in 30 days 1002 1 9 1 Main source: Savings 2 Main source: Family or friends 3 Main source: Money from working 4 Main source: Borrowing from a bank, empoyer, or private lender 5 Main source: Selling assets 6 Main source: Some other source 7 (I could not come up with the money) 8 (dk) 9 ref Difficulty of emergency funds in 30 days 758 244 1 5 1 Very difficult 2 Somewhat difficult 3 Not difficult at all 4 (DK) 5 (ref) Sysmiss Difficulty of emergency funds in 7 days 758 244 1 6 1 Very difficult 2 Somewhat difficult 3 Not difficult at all 4 (I could not come up with the money) 5 (DK) 6 (ref) Sysmiss Sent domestic remittances 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Sent domestic remittances through an account 56 946 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Sent domestic remittances in cash 29 973 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Sent domestic remittances through an MTO 29 973 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received domestic remittances 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Received domestic remittances through an account 155 847 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received domestic remittances in cash 107 895 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received domestic remittances through an MTO 107 895 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Paid a utility bill 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Paid a utility bill using an account 654 348 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Paid a utility bill using a mobile phone 654 348 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Paid a utility bill from an account or mobile phone for the first time after the 94 908 1 3 1 Only used cash 2 Used other methods, such as a card or mobile phone 3 (dk) 4 (ref) Sysmiss Paid a utility bill from an account or mobile phone for the first time since 202 1002 * * Paid a utility bill in cash 560 442 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received wage payments 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Received public sector wage payments 192 810 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received wage payments into an account 192 810 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received wage payments to a mobile phone 192 810 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received wage payments in cash 114 888 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received wage payments to a card 9 993 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received wage payments into an account or to a phone or a card and paid higher t 80 922 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received a government transfer 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Received a government pension 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Received a government transfer or pension into an account 260 742 1 4 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received a government transfer or pension to a mobile phone 260 742 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received a government transfer or pension in cash 147 855 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received a government transfer or pension to a card 111 891 1 3 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received an agricultural payment 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Grow own crops or raise livestock 48 954 1 4 1 Yes 2 No 3 (Both) 4 (dk) 5 (ref) Sysmiss Received an agricultural payment into an account 48 954 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received an agricultural payment to a mobile phone 48 954 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received an agricultural payment in cash 45 957 1 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Received an agricultural payment to a card 5 997 2 2 1 yes 2 no 3 (dk) 4 (ref) Sysmiss Financially worried: old age 1002 1 6 1 Very worried 2 Somewhat worried 3 Not worried at all 4 (Does not apply) 5 (DK) 6 (ref) Financially worried: medical cost 1002 1 6 1 Very worried 2 Somewhat worried 3 Not worried at all 4 (Does not apply) 5 (DK) 6 (ref) Financially worried: bills 1002 1 6 1 Very worried 2 Somewhat worried 3 Not worried at all 4 (Does not apply) 5 (DK) 6 (ref) Financially worried: education 1002 1 6 1 Very worried 2 Somewhat worried 3 Not worried at all 4 (Does not apply) 5 (DK) 6 (ref) Financially most worried 752 250 1 6 1 Old age 2 Medical cost 3 Bills 4 Education 5 (DK) 6 (ref) Sysmiss Financially worried due to COVID-19 1002 1 5 1 Very worried 2 Somewhat worried 3 Not worried at all 4 (DK) 5 (ref) Financial worry 1002 * * Saved in the past year 1002 1 no 1 yes Borrowed in the past year 1002 1 no 1 yes Received a wage payment 1002 1 5 1 received payments into an account 2 received payments in cash only 3 received payments using other methods 4 did not receive payments 5 dk/ref This includes adults who received a wage payment in the past year. Received a government transfer payment 1002 1 5 1 received payments into an account 2 received payments in cash only 3 received payments using other methods 4 did not receive payments 5 dk/ref This includes adults who received a government transfer payment in the past year. Received a government pension payment 1002 1 5 1 received payments into an account 2 received payments in cash only 3 received payments using other methods 4 did not receive payments 5 dk/ref Received a payment for the sale of agricultural goods 1002 1 5 1 received payments into an account 2 received payments in cash only 3 received payments using other methods 4 did not receive payments 5 dk/ref This includes adults who received a payment for the sale of agricultural goods in the past year. Paid a utility bill 1002 1 5 1 made payments from an account 2 made payments in cash only 3 made payments using other methods 4 did not make payments 5 dk/ref This includes adults who paid a utility bill in the past year. Made or received a domestic remittance payment 1002 1 6 1 sent/received through an account 2 sent/received through an otc transaction 3 sent/received in cash only 4 sent/received using other methods 5 did not send/receive 6 dk/ref This includes adults who made or received a domestic remittance payment in the past year. Owns a mobile phone 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Internet access 1002 1 4 1 yes 2 no 3 (dk) 4 (ref) Made or received a digital payment 1002 1 no 1 yes Made a digital merchant payment 1002 1 no 1 yes