DDI_SSD_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 SSD_2021_FINDEX_v02_M Development Research Group, Finance and Private Sector Development Unit Gallup, Inc. 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. South Sudan Some areas were excluded due to territorial dispute, security reasons, or inaccessibility. The excluded areas represent approximately 10 percent of the total population. In addition, 40 percent of the primary sampling units (PSUs) were replaced during fieldwork, primarily due to flooding.  Observation data/ratings [obs] Individual Face-to-face [f2f] GlobalFindex micro_ssd.dta 1001 120 .dta Economy 1001 0 Economy Code 1001 0 Gallup World Poll identifier 1001 0 111153597 211047774 Weight 1001 0 0.146237199107147 3.39367813035026 Respondent is female 1001 0 1 2 1 female 683 2 male 318 Respondent age 1000 1 15 99 15 15 53 16 16 34 17 17 32 18 18 47 19 19 36 20 20 43 21 21 32 22 22 28 23 23 29 24 24 12 25 25 39 26 26 26 27 27 24 28 28 20 29 29 13 30 30 37 31 31 10 32 32 18 33 33 13 34 34 18 35 35 43 36 36 16 37 37 16 38 38 22 39 39 16 40 40 41 41 41 10 42 42 5 43 43 12 44 44 3 45 45 31 46 46 9 47 47 9 48 48 11 49 49 5 50 50 26 51 51 9 52 52 10 53 53 9 54 54 4 55 55 10 56 56 5 57 57 4 58 58 5 59 59 7 60 60 22 61 61 4 62 62 6 63 63 3 64 64 4 65 65 9 66 66 2 67 67 7 68 68 1 69 69 2 70 70 12 71 71 4 72 72 2 73 73 1 74 74 1 75 75 3 76 76 1 77 77 0 78 78 0 79 79 1 80 80 5 81 81 0 82 82 2 83 83 1 84 84 0 85 85 2 86 86 1 87 87 0 88 88 0 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 1 99 99+ 1 Sysmiss 1 Respondent education level 1001 0 1 5 1 completed primary school or less 838 2 completed secondary school 148 3 completed tertiary education or more 8 4 (dk) 6 5 (rf) 1 Within-economy household income quintile 1001 0 1 5 1 Poorest 20% 181 2 Second 20% 159 3 Middle 20% 215 4 Fourth 20% 196 5 Richest 20% 250 Respondent is in workforce 1001 0 1 2 1 in the workforce 422 2 out of the workforce 579 Respondent lives in rural area 1001 0 1 2 1 Rural 820 2 Urban 181 Has an account 1001 0 0 1 0 no 926 1 yes 75 Has an account at a financial institution 1001 0 0 1 0 no 934 1 yes 67 Has a mobile money account 1001 0 0 1 0 no 988 1 yes 13 Opened first account to receive a wage payment 24 977 1 2 1 yes 18 2 no 6 3 (dk) 0 4 (ref) 0 Sysmiss 977 Opened first account to receive money from the government 24 977 1 2 1 yes 7 2 no 17 3 (dk) 0 4 (ref) 0 Sysmiss 977 Has a debit card 1001 0 1 4 1 yes 14 2 no 854 3 (dk) 123 4 (ref) 10 Used a debit card 14 987 1 2 1 yes 3 2 no 11 3 (dk) 0 4 (ref) 0 Sysmiss 987 Used a debit card in-store 3 998 1 2 1 yes 2 2 no 1 3 (dk) 0 4 (ref) 0 Sysmiss 998 Used a mobile phone or internet to access account 26 975 1 4 1 yes 8 2 no 17 3 (dk) 0 4 (ref) 1 Sysmiss 975 Used a mobile phone or internet to check account balance 26 975 1 2 1 yes 5 2 no 21 3 (dk) 0 4 (ref) 0 Sysmiss 975 Has a credit card 26 975 1 2 1 yes 2 2 no 24 3 (dk) 0 4 (ref) 0 Sysmiss 975 Used a credit card 2 999 1 1 1 yes 2 2 no 0 3 (dk) 0 4 (ref) 0 Sysmiss 999 Used a credit card in-store 2 999 1 2 1 yes 1 2 no 1 3 (dk) 0 4 (ref) 0 Sysmiss 999 Paid credit card balances in full 2 999 1 2 1 yes 1 2 no 1 3 (dk) 0 4 (ref) 0 Sysmiss 999 Made any deposit into the account 26 975 1 2 1 yes 11 2 no 15 3 (dk) 0 4 (ref) 0 Sysmiss 975 Make deposits into the account two or more times per month 11 990 1 2 1 yes 5 2 no 6 3 (dk) 0 4 (ref) 0 Sysmiss 990 Withdrew from the account 26 975 1 4 1 yes 12 2 no 12 3 (dk) 1 4 (ref) 1 Sysmiss 975 Withdrew from the account two or more times per month 12 989 1 2 1 yes 5 2 no 7 3 (dk) 0 4 (ref) 0 Sysmiss 989 Used account to store money 26 975 1 2 1 yes 14 2 no 12 3 (dk) 0 4 (ref) 0 Sysmiss 975 Unbanked: use account without help 926 75 1 4 1 yes 228 2 no 555 3 (dk) 133 4 (ref) 10 Sysmiss 75 Reason for no account: too far 975 26 1 4 1 yes 345 2 no 498 3 (dk) 130 4 (ref) 2 Sysmiss 26 Reason for no account: too expensive 975 26 1 4 1 yes 272 2 no 482 3 (dk) 215 4 (ref) 6 Sysmiss 26 Reason for no account: lack documentation 975 26 1 4 1 yes 377 2 no 460 3 (dk) 129 4 (ref) 9 Sysmiss 26 Reason for no account: lack trust 975 26 1 4 1 yes 164 2 no 663 3 (dk) 127 4 (ref) 21 Sysmiss 26 Reason for no account: religious reasons 975 26 1 4 1 yes 33 2 no 850 3 (dk) 90 4 (ref) 2 Sysmiss 26 Reason for no account: lack money 975 26 1 4 1 yes 686 2 no 218 3 (dk) 68 4 (ref) 3 Sysmiss 26 Reason for no account: family member already has one 975 26 1 4 1 yes 28 2 no 845 3 (dk) 97 4 (ref) 5 Sysmiss 26 Reason for no account: no need for financial services 975 26 1 4 1 yes 157 2 no 719 3 (dk) 96 4 (ref) 3 Sysmiss 26 Reason for no mobile money account: too far 981 20 1 4 1 yes 368 2 no 469 3 (dk) 142 4 (ref) 2 Sysmiss 20 Reason for no mobile money account: too expensive 981 20 1 4 1 yes 275 2 no 465 3 (dk) 236 4 (ref) 5 Sysmiss 20 Reason for no mobile money account: lack documentation 981 20 1 4 1 yes 390 2 no 469 3 (dk) 110 4 (ref) 12 Sysmiss 20 Reason for no mobile money account: lack of money 981 20 1 4 1 yes 639 2 no 268 3 (dk) 71 4 (ref) 3 Sysmiss 20 Reason for no mobile money account: use agent 981 20 1 4 1 yes 111 2 no 784 3 (dk) 79 4 (ref) 7 Sysmiss 20 Reason for no mobile money account: no mobile phone 981 20 1 4 1 yes 456 2 no 470 3 (dk) 53 4 (ref) 2 Sysmiss 20 Use mobile money account two or more times a month 13 988 1 2 1 yes 9 2 no 4 3 (dk) 0 4 (ref) 0 Sysmiss 988 Use mobile money account to store money 13 988 1 2 1 yes 8 2 no 5 3 (dk) 0 4 (ref) 0 Sysmiss 988 Use mobile money account to borrow money 13 988 1 2 1 yes 3 2 no 10 3 (dk) 0 4 (ref) 0 Sysmiss 988 Use mobile money account without help 13 988 1 2 1 yes 8 2 no 5 3 (dk) 0 4 (ref) 0 Sysmiss 988 Use mobile phone to pay for a purchase in-store 1001 0 1 3 1 yes 11 2 no 922 3 (dk) 68 4 (ref) 0 Paid digitally for an in-store purchase for the first time after COVID-19 11 990 1 3 1 Only used cash 8 2 Used other methods, such as a card or mobile phone 1 3 (dk) 2 4 (ref) 0 Sysmiss 990 Paid digitally for an in-store purchase for the first time since 2020 0 1001 * * Made bill payments online using the Internet 1001 0 1 4 1 yes 19 2 no 891 3 (dk) 85 4 (ref) 6 Send money to a relative or friend online using the Internet 1001 0 1 4 1 yes 45 2 no 918 3 (dk) 36 4 (ref) 2 Bought something online using the Internet 1001 0 1 4 1 yes 6 2 no 895 3 (dk) 95 4 (ref) 5 Paid online or in cash at delivery 6 995 1 4 1 Pay online 3 2 In cash 1 3 (both) 1 4 (dk) 1 5 (ref) 0 Sysmiss 995 Paid online for an online purchase for the first time after COVID-19 6 995 1 3 1 Only paid in cash 4 2 Paid online 1 3 (dk) 1 4 (ref) 0 Sysmiss 995 Paid online for an online purchase for the first time since 2020 0 1001 * * Saved for old age 1001 0 1 4 1 yes 23 2 no 941 3 (dk) 35 4 (ref) 2 Saved using an account at a financial institution 1001 0 1 4 1 yes 18 2 no 930 3 (dk) 52 4 (ref) 1 Saved using a mobile money account 20 981 1 3 1 yes 7 2 no 12 3 (dk) 1 4 (ref) 0 Sysmiss 981 Saved using an informal savings club 1001 0 1 4 1 yes 144 2 no 820 3 (dk) 31 4 (ref) 6 Borrowed for medical purposes 1001 0 1 3 1 yes 285 2 no 696 3 (dk) 20 4 (ref) 0 Borrowed from a financial institution 1001 0 1 4 1 yes 33 2 no 926 3 (dk) 40 4 (ref) 2 Borrowed from family or friends 1001 0 1 4 1 yes 321 2 no 665 3 (dk) 13 4 (ref) 2 Borrowed from an informal savings club 144 857 1 3 1 yes 75 2 no 68 3 (dk) 1 4 (ref) 0 Sysmiss 857 Main source of emergency funds in 30 days 1001 0 1 9 1 Main source: Savings 18 2 Main source: Family or friends 178 3 Main source: Money from working 68 4 Main source: Borrowing from a bank, empoyer, or private lender 54 5 Main source: Selling assets 229 6 Main source: Some other source 88 7 (I could not come up with the money) 325 8 (dk) 39 9 ref 2 Difficulty of emergency funds in 30 days 635 366 1 4 1 Very difficult 437 2 Somewhat difficult 147 3 Not difficult at all 49 4 (DK) 2 5 (ref) 0 Sysmiss 366 Difficulty of emergency funds in 7 days 635 366 1 5 1 Very difficult 525 2 Somewhat difficult 70 3 Not difficult at all 23 4 (I could not come up with the money) 11 5 (DK) 6 6 (ref) 0 Sysmiss 366 Sent domestic remittances 1001 0 1 4 1 yes 110 2 no 877 3 (dk) 10 4 (ref) 4 Sent domestic remittances through an account 110 891 1 3 1 yes 38 2 no 71 3 (dk) 1 4 (ref) 0 Sysmiss 891 Sent domestic remittances in cash 72 929 1 3 1 yes 37 2 no 34 3 (dk) 1 4 (ref) 0 Sysmiss 929 Sent domestic remittances through an MTO 72 929 1 3 1 yes 31 2 no 37 3 (dk) 4 4 (ref) 0 Sysmiss 929 Received domestic remittances 1001 0 1 4 1 yes 124 2 no 861 3 (dk) 15 4 (ref) 1 Received domestic remittances through an account 124 877 1 2 1 yes 45 2 no 79 3 (dk) 0 4 (ref) 0 Sysmiss 877 Received domestic remittances in cash 79 922 1 2 1 yes 46 2 no 33 3 (dk) 0 4 (ref) 0 Sysmiss 922 Received domestic remittances through an MTO 79 922 1 2 1 yes 44 2 no 35 3 (dk) 0 4 (ref) 0 Sysmiss 922 Paid a utility bill 1001 0 1 4 1 yes 113 2 no 838 3 (dk) 45 4 (ref) 5 Paid a utility bill using an account 113 888 1 2 1 yes 24 2 no 89 3 (dk) 0 4 (ref) 0 Sysmiss 888 Paid a utility bill using a mobile phone 113 888 1 3 1 yes 10 2 no 102 3 (dk) 1 4 (ref) 0 Sysmiss 888 Paid a utility bill from an account or mobile phone for the first time after the 25 976 1 3 1 Only used cash 20 2 Used other methods, such as a card or mobile phone 1 3 (dk) 4 4 (ref) 0 Sysmiss 976 Paid a utility bill from an account or mobile phone for the first time since 202 0 1001 * * Paid a utility bill in cash 88 913 1 2 1 yes 74 2 no 14 3 (dk) 0 4 (ref) 0 Sysmiss 913 Received wage payments 1001 0 1 4 1 yes 77 2 no 896 3 (dk) 25 4 (ref) 3 Received public sector wage payments 77 924 1 2 1 yes 23 2 no 54 3 (dk) 0 4 (ref) 0 Sysmiss 924 Received wage payments into an account 77 924 1 3 1 yes 11 2 no 64 3 (dk) 2 4 (ref) 0 Sysmiss 924 Received wage payments to a mobile phone 77 924 1 3 1 yes 1 2 no 75 3 (dk) 1 4 (ref) 0 Sysmiss 924 Received wage payments in cash 66 935 1 2 1 yes 54 2 no 12 3 (dk) 0 4 (ref) 0 Sysmiss 935 Received wage payments to a card 12 989 1 3 1 yes 2 2 no 8 3 (dk) 2 4 (ref) 0 Sysmiss 989 Received wage payments into an account or to a phone or a card and paid higher t 13 988 1 2 1 yes 5 2 no 8 3 (dk) 0 4 (ref) 0 Sysmiss 988 Received a government transfer 1001 0 1 4 1 yes 31 2 no 945 3 (dk) 20 4 (ref) 5 Received a government pension 1001 0 1 4 1 yes 11 2 no 944 3 (dk) 34 4 (ref) 12 Received a government transfer or pension into an account 42 959 1 4 1 yes 4 2 no 37 3 (dk) 0 4 (ref) 1 Sysmiss 959 Received a government transfer or pension to a mobile phone 42 959 1 2 1 yes 1 2 no 41 3 (dk) 0 4 (ref) 0 Sysmiss 959 Received a government transfer or pension in cash 38 963 1 2 1 yes 18 2 no 20 3 (dk) 0 4 (ref) 0 Sysmiss 963 Received a government transfer or pension to a card 20 981 2 2 1 yes 0 2 no 20 3 (dk) 0 4 (ref) 0 Sysmiss 981 Received an agricultural payment 1001 0 1 4 1 yes 322 2 no 663 3 (dk) 11 4 (ref) 5 Grow own crops or raise livestock 322 679 1 3 1 Yes 272 2 No 14 3 (Both) 36 4 (dk) 0 5 (ref) 0 Sysmiss 679 Received an agricultural payment into an account 322 679 1 3 1 yes 11 2 no 307 3 (dk) 4 4 (ref) 0 Sysmiss 679 Received an agricultural payment to a mobile phone 322 679 1 4 1 yes 2 2 no 315 3 (dk) 4 4 (ref) 1 Sysmiss 679 Received an agricultural payment in cash 309 692 1 2 1 yes 287 2 no 22 3 (dk) 0 4 (ref) 0 Sysmiss 692 Received an agricultural payment to a card 22 979 1 2 1 yes 4 2 no 18 3 (dk) 0 4 (ref) 0 Sysmiss 979 Financially worried: old age 1001 0 1 5 1 Very worried 736 2 Somewhat worried 122 3 Not worried at all 104 4 (Does not apply) 15 5 (DK) 24 6 (ref) 0 Financially worried: medical cost 1001 0 1 6 1 Very worried 869 2 Somewhat worried 74 3 Not worried at all 32 4 (Does not apply) 16 5 (DK) 9 6 (ref) 1 Financially worried: bills 1001 0 1 6 1 Very worried 623 2 Somewhat worried 147 3 Not worried at all 136 4 (Does not apply) 64 5 (DK) 18 6 (ref) 13 Financially worried: education 1001 0 1 6 1 Very worried 800 2 Somewhat worried 119 3 Not worried at all 58 4 (Does not apply) 15 5 (DK) 8 6 (ref) 1 Financially most worried 959 42 1 6 1 Old age 59 2 Medical cost 377 3 Bills 77 4 Education 434 5 (DK) 11 6 (ref) 1 Sysmiss 42 Financially worried due to COVID-19 1001 0 1 5 1 Very worried 753 2 Somewhat worried 167 3 Not worried at all 54 4 (DK) 24 5 (ref) 3 Financial worry 0 1001 * * Saved in the past year 1001 0 0 1 0 no 771 1 yes 230 Borrowed in the past year 1001 0 0 1 0 no 591 1 yes 410 Received a wage payment 1001 0 1 5 1 received payments into an account 13 2 received payments in cash only 54 3 received payments using other methods 10 4 did not receive payments 896 5 dk/ref 28 Received a government transfer payment 1001 0 1 5 1 received payments into an account 2 2 received payments in cash only 14 3 received payments using other methods 15 4 did not receive payments 945 5 dk/ref 25 Received a government pension payment 1001 0 1 5 1 received payments into an account 2 2 received payments in cash only 4 3 received payments using other methods 5 4 did not receive payments 944 5 dk/ref 46 Received a payment for the sale of agricultural goods 1001 0 1 5 1 received payments into an account 17 2 received payments in cash only 287 3 received payments using other methods 18 4 did not receive payments 663 5 dk/ref 16 Paid a utility bill 1001 0 1 5 1 made payments from an account 25 2 made payments in cash only 74 3 made payments using other methods 14 4 did not make payments 838 5 dk/ref 50 Made or received a domestic remittance payment 1001 0 1 6 1 sent/received through an account 67 2 sent/received through an otc transaction 55 3 sent/received in cash only 30 4 sent/received using other methods 29 5 did not send/receive 798 6 dk/ref 22 Owns a mobile phone 1001 0 1 3 1 yes 357 2 no 640 3 (dk) 4 4 (ref) 0 Internet access 1001 0 1 4 1 yes 83 2 no 860 3 (dk) 48 4 (ref) 10 Made or received a digital payment 1001 0 0 1 0 no 942 1 yes 59 Made a digital merchant payment 1001 0 0 1 0 no 996 1 yes 5