DDI_WLD_2021_FINDEX_v03_M_WB Development Economics Data Group 2023-05-23 Metadata Editor Version 03 (May 2023). WLD_2021_FINDEX_v03_M Global Financial Inclusion (Global Findex) Database 2021 FINDEX 2021 Development Research Group, Finance and Private Sector Development Unit Gallup, Inc. Development Research Group, World Bank The Bill and Melinda Gates Foundation Metadata Editor GlobalFindex Saniya Ansar Jijun Wang Mansi Vipin Panchamia Other Household Survey [hh/oth] The Global Findex is the world’s most comprehensive database on financial inclusion. It is also the only global demand-side data source allowing for global and regional cross-country analysis to provide a rigorous and multidimensional picture of how adults save, borrow, make payments, and manage financial risks. Global Findex 2021 data were collected from national representative surveys of almost 145,000 adults in 139 economies. The latest edition follows the 2011, 2014, and 2017 editions, and it includes a number of new series measuring financial health and resilience and contains more granular data on digital payment adoption, including merchant and government payments. Due to ongoing COVID-19 restrictions that were in place in 2021, Global Findex 2021 data for 16 countries were collected through face-to-face interviews in 2022 and released now. Version 03: Edited, anonymous dataset for public distribution. This is the second update (May 2023) to the microdata originally released in Oct 2022 with the first update in Dec 2022. This includes 16 new countries that were surveyed in 2022 (Azerbaijan, Botswana, Chad, Comoros, Congo, Dem. Rep., Eswatini, Ethiopia, Gambia, The, Guatemala, Lesotho, Madagascar, Mauritania, Mexico, Niger, Vietnam, Yemen, Rep.). Please also see Microdata_update_details_2022.xlsx which details these updates. Afghanistan Albania Algeria Argentina Armenia Australia Austria Azerbaijan Bangladesh Belgium Benin Bolivia Bosnia and Herzegovina Botswana Brazil Bulgaria Burkina Faso Cambodia Cameroon Canada Chad Chile China Colombia Comoros Congo, Dem. Rep. Congo, Rep. Costa Rica Côte d'Ivoire Croatia Cyprus Czech Republic Denmark Dominican Republic Ecuador Egypt, Arab Rep. El Salvador Estonia Eswatini Ethiopia Finland France Gabon Gambia, The Georgia Germany Ghana Greece Guatemala Guinea Honduras Hong Kong SAR, China Hungary Iceland India Indonesia Iran, Islamic Rep. Iraq Ireland Israel Italy Jamaica Japan Jordan Kazakhstan Kenya Korea, Rep. Kosovo Kyrgyz Republic Lao PDR Latvia Lebanon Lesotho Liberia Lithuania Madagascar Malawi Malaysia Mali Malta Mauritania Mauritius Mexico Moldova Mongolia Morocco Mozambique Myanmar Namibia Nepal Netherlands New Zealand Nicaragua Niger Nigeria North Macedonia Norway Pakistan Panama Paraguay Peru Philippines Poland Portugal Romania Russian Federation Saudi Arabia Senegal Serbia Sierra Leone Singapore Slovak Republic Slovenia South Africa South Sudan Spain Sri Lanka Sweden Switzerland Taiwan, China Tajikistan Tanzania Thailand Togo Tunisia Türkiye Uganda Ukraine United Arab Emirates United Kingdom United States Uruguay Uzbekistan Venezuela, RB Vietnam West Bank and Gaza Yemen, Rep. Zambia Zimbabwe National coverage Individual Observation data/ratings [obs] The indicators in the Global Findex 2021 database are drawn from survey data covering almost 145,000 people in 139 economies, representing 97 percent of the world’s population. Data is available for 2021, 2017, 2014, and 2011. Questionnaires are available on the website. Data weighting is used to ensure a nationally representative sample for each economy. Final weights consist of the base sampling weight, which corrects for unequal probability of selection based on household size, and the poststratification weight, which corrects for sampling and nonresponse error. Poststratification weights use economy-level population statistics on gender and 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-specific margins of error, please refer to the Methodology section and corresponding table in Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar. 2022. The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. Washington, DC: World Bank. GlobalFindex Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar. 2022. The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. Washington, DC: World Bank. 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_world_139countries.dta 143887 128 .dta 2021 Global Findex - World Microdata Economy 143887 International Standards Organization (ISO) 3-digit alphabetic code for each economy Economy Code 143887 Regional code 143887 1000 12579 19030 High income 40635 16519 10053 South Asia 8009 Sub-Saharan Africa (excluding high income) 36062 Population 15+, 2020, WDI 143887 295249.5625 1153772544 Adult (15+) population using 2020 World Development Indicators (WDI) Gallup World Poll identifier 143887 111111830 211110199 Individual-level identifier to merge with Gallup World Poll data Weight 143887 0.131674806320759 6.24566963679565 Weight assigned to each observation Respondent is female 143887 1 2 1 female 76585 2 male 67302 Respondent age 143420 467 15 99 15 15 1778 16 16 1927 17 17 2140 18 18 3333 19 19 2811 20 20 3800 21 21 2874 22 22 3181 23 23 2976 24 24 2864 25 25 4481 26 26 2892 27 27 3148 28 28 3434 29 29 2788 30 30 5110 31 31 2383 32 32 3302 33 33 2802 34 34 2401 35 35 4163 36 36 2726 37 37 2493 38 38 2874 39 39 2325 40 40 4410 41 41 1904 42 42 2641 43 43 2043 44 44 1774 45 45 3284 46 46 1805 47 47 1971 48 48 2163 49 49 1765 50 50 3604 51 51 1522 52 52 1945 53 53 1650 54 54 1614 55 55 2193 56 56 1623 57 57 1549 58 58 1642 59 59 1343 60 60 2513 61 61 1273 62 62 1660 63 63 1595 64 64 1292 65 65 2104 66 66 1279 67 67 1289 68 68 1205 69 69 1000 70 70 1591 71 71 880 72 72 1013 73 73 805 74 74 777 75 75 864 76 76 597 77 77 508 78 78 510 79 79 412 80 80 611 81 81 361 82 82 373 83 83 246 84 84 238 85 85 233 86 86 177 87 87 107 88 88 111 89 89 79 90 90 86 91 91 47 92 92 40 93 93 20 94 94 11 95 95 9 96 96 9 97 97 7 98 98 5 99 99+ 32 Sysmiss 467 Respondent education level 143887 1 5 1 completed primary school or less 38588 2 completed secondary school 72401 3 completed tertiary education or more 32143 4 (dk) 395 5 (rf) 360 Within-economy household income quintile 143887 1 5 1 Poorest 20% 23353 2 Second 20% 24880 3 Middle 20% 27546 4 Fourth 20% 30926 5 Richest 20% 37182 Respondent’s within-economy household income quintile (1 to 5) Respondent is in workforce 140385 3502 1 2 1 in the workforce 92659 2 out of the workforce 47726 Sysmiss 3502 Respondent lives in rural area 75644 68243 1 2 1 Rural 31781 2 Urban 43863 Sysmiss 68243 Has an account 143887 0 1 0 no 41922 1 yes 101965 Has an account at a financial institution 143887 0 1 0 no 49497 1 yes 94390 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 82706 61181 0 1 0 no 61181 1 yes 21525 Sysmiss 61181 Opened first account to receive a wage payment 54766 89121 1 4 1 yes 32011 2 no 22378 3 (dk) 315 4 (ref) 62 Sysmiss 89121 Asked only of account owners (excluding mobile money accounts). Opened first account to receive money from the government 54766 89121 1 4 1 yes 12085 2 no 42291 3 (dk) 314 4 (ref) 76 Sysmiss 89121 Asked only of account owners (excluding mobile money accounts). Has a debit card 143887 1 4 1 yes 72945 2 no 69871 3 (dk) 656 4 (ref) 415 Asked only of account owners (excluding mobile money accounts). Used a debit card 72945 70942 1 4 1 yes 54187 2 no 18624 3 (dk) 89 4 (ref) 45 Sysmiss 70942 Asked only of account owners (excluding mobile money accounts) that have an ATM/debit card. Used a debit card in-store 30015 113872 1 4 1 yes 25976 2 no 4013 3 (dk) 23 4 (ref) 3 Sysmiss 113872 Asked only of account owners (excluding mobile money accounts) that have an ATM/debit card. Used a mobile phone or internet to access account 89082 54805 1 4 1 yes 51958 2 no 36824 3 (dk) 152 4 (ref) 148 Sysmiss 54805 Asked only of account owners (excluding mobile money accounts). Used a mobile phone or internet to check account balance 89082 54805 1 4 1 yes 57337 2 no 31470 3 (dk) 145 4 (ref) 130 Sysmiss 54805 Asked only of account owners (excluding mobile money accounts). Has a credit card 89082 54805 1 4 1 yes 32634 2 no 55985 3 (dk) 242 4 (ref) 221 Sysmiss 54805 Asked only of account owners (excluding mobile money accounts). Used a credit card 32634 111253 1 4 1 yes 27045 2 no 5524 3 (dk) 34 4 (ref) 31 Sysmiss 111253 Asked only of account owners (excluding mobile money accounts) who have a credit card. Used a credit card in-store 12213 131674 1 4 1 yes 9835 2 no 2352 3 (dk) 17 4 (ref) 9 Sysmiss 131674 Asked only of account owners (excluding mobile money accounts) who have a credit card. Paid credit card balances in full 32634 111253 1 4 1 yes 26474 2 no 5702 3 (dk) 321 4 (ref) 137 Sysmiss 111253 Asked only of account owners (excluding mobile money accounts) who have a credit card. Made any deposit into the account 89082 54805 1 4 1 yes 69646 2 no 18910 3 (dk) 274 4 (ref) 252 Sysmiss 54805 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 69646 74241 1 4 1 yes 36857 2 no 32169 3 (dk) 459 4 (ref) 161 Sysmiss 74241 Asked only of account owners (excluding mobile money accounts). Withdrew from the account 89082 54805 1 4 1 yes 70983 2 no 17551 3 (dk) 260 4 (ref) 288 Sysmiss 54805 Reason for inactive account: too far 822 143065 1 4 1 yes 400 2 no 412 3 (dk) 9 4 (ref) 1 Sysmiss 143065 Reason for inactive account: no need 822 143065 1 4 1 yes 376 2 no 433 3 (dk) 10 4 (ref) 3 Sysmiss 143065 Reason for inactive account: lack money 822 143065 1 4 1 yes 313 2 no 501 3 (dk) 5 4 (ref) 3 Sysmiss 143065 Reason for inactive account: not comfortable using it 822 143065 1 4 1 yes 227 2 no 581 3 (dk) 13 4 (ref) 1 Sysmiss 143065 Reason for inactive account: lack trust 822 143065 1 4 1 yes 393 2 no 417 3 (dk) 11 4 (ref) 1 Sysmiss 143065 Withdrew from the account two or more times per month 70983 72904 1 4 1 yes 54015 2 no 16387 3 (dk) 467 4 (ref) 114 Sysmiss 72904 Asked only of account owners (excluding mobile money accounts). Used account to store money 89082 54805 1 4 1 yes 64683 2 no 23636 3 (dk) 284 4 (ref) 479 Sysmiss 54805 Unbanked: use account without help 41922 101965 1 4 1 yes 18534 2 no 21360 3 (dk) 1896 4 (ref) 132 Sysmiss 101965 Reason for no account: too far 54805 89082 1 4 1 yes 15732 2 no 37820 3 (dk) 1065 4 (ref) 188 Sysmiss 89082 Reason for no account: too expensive 54805 89082 1 4 1 yes 20008 2 no 30909 3 (dk) 3658 4 (ref) 230 Sysmiss 89082 Reason for no account: lack documentation 54805 89082 1 4 1 yes 15804 2 no 37690 3 (dk) 1063 4 (ref) 248 Sysmiss 89082 Reason for no account: lack trust 54805 89082 1 4 1 yes 13204 2 no 39548 3 (dk) 1758 4 (ref) 295 Sysmiss 89082 Reason for no account: religious reasons 54805 89082 1 4 1 yes 5275 2 no 48289 3 (dk) 1016 4 (ref) 225 Sysmiss 89082 Reason for no account: lack money 54805 89082 1 4 1 yes 38472 2 no 15561 3 (dk) 527 4 (ref) 245 Sysmiss 89082 Reason for no account: family member already has one 54805 89082 1 4 1 yes 11013 2 no 42185 3 (dk) 1375 4 (ref) 232 Sysmiss 89082 Reason for no account: no need for financial services 54805 89082 1 4 1 yes 16939 2 no 36454 3 (dk) 1162 4 (ref) 250 Sysmiss 89082 Reason for no mobile money account: too far 20506 123381 1 4 1 yes 5948 2 no 13800 3 (dk) 727 4 (ref) 31 Sysmiss 123381 Reason for no mobile money account: too expensive 20506 123381 1 4 1 yes 6312 2 no 12785 3 (dk) 1374 4 (ref) 35 Sysmiss 123381 Reason for no mobile money account: lack documentation 20506 123381 1 4 1 yes 6656 2 no 13220 3 (dk) 579 4 (ref) 51 Sysmiss 123381 Reason for no mobile money account: lack of money 20506 123381 1 4 1 yes 13116 2 no 7021 3 (dk) 339 4 (ref) 30 Sysmiss 123381 Reason for no mobile money account: use agent 20506 123381 1 4 1 yes 3635 2 no 16388 3 (dk) 440 4 (ref) 43 Sysmiss 123381 Reason for no mobile money account: no mobile phone 20506 123381 1 4 1 yes 7330 2 no 12905 3 (dk) 246 4 (ref) 25 Sysmiss 123381 Use mobile money account two or more times a month 17691 126196 1 4 1 yes 13079 2 no 4555 3 (dk) 50 4 (ref) 7 Sysmiss 126196 Use mobile money account to store money 17691 126196 1 4 1 yes 10030 2 no 7595 3 (dk) 40 4 (ref) 26 Sysmiss 126196 Use mobile money account to borrow money 17691 126196 1 4 1 yes 3236 2 no 14411 3 (dk) 32 4 (ref) 12 Sysmiss 126196 Use mobile money account without help 18365 125522 1 4 1 yes 14335 2 no 3957 3 (dk) 64 4 (ref) 9 Sysmiss 125522 Use mobile phone to pay for a purchase in-store 143887 1 4 1 yes 32367 2 no 110949 3 (dk) 344 4 (ref) 227 Paid digitally for an in-store purchase for the first time after COVID-19 33685 110202 1 4 1 Only used cash 8739 2 Used other methods, such as a card or mobile phone 24555 3 (dk) 330 4 (ref) 61 Sysmiss 110202 Paid digitally for an in-store purchase for the first time since 2020 3221 140666 1 4 1 Only used cash 268 2 Used other methods, such as a card or mobile phone 2931 3 (dk) 19 4 (ref) 3 Sysmiss 140666 Made bill payments online using the Internet 143887 1 4 1 yes 49114 2 no 94044 3 (dk) 486 4 (ref) 243 Send money to a relative or friend online using the Internet 143887 1 4 1 yes 48413 2 no 94892 3 (dk) 304 4 (ref) 278 Bought something online using the Internet 143887 1 4 1 yes 46166 2 no 96972 3 (dk) 536 4 (ref) 213 Paid online or in cash at delivery 27420 116467 1 5 1 Pay online 14903 2 In cash 7672 3 (both) 4648 4 (dk) 156 5 (ref) 41 Sysmiss 116467 Paid online for an online purchase for the first time after COVID-19 24301 119586 1 4 1 Only paid in cash 8658 2 Paid online 15013 3 (dk) 512 4 (ref) 118 Sysmiss 119586 Paid online for an online purchase for the first time since 2020 3119 140768 1 4 1 Only paid in cash 179 2 Paid online 2892 3 (dk) 43 4 (ref) 5 Sysmiss 140768 Saved for old age 143887 1 4 1 yes 39520 2 no 103508 3 (dk) 439 4 (ref) 420 Saved using an account at a financial institution 143887 1 4 1 yes 40786 2 no 102133 3 (dk) 476 4 (ref) 492 Saved using a mobile money account 22639 121248 1 4 1 yes 7419 2 no 15119 3 (dk) 66 4 (ref) 35 Sysmiss 121248 Saved using an informal savings club 114281 29606 1 4 1 yes 14342 2 no 99133 3 (dk) 456 4 (ref) 350 Sysmiss 29606 Borrowed for medical purposes 143887 1 4 1 yes 21058 2 no 122418 3 (dk) 213 4 (ref) 198 Borrowed from a financial institution 143887 1 4 1 yes 17959 2 no 125384 3 (dk) 288 4 (ref) 256 Borrowed from family or friends 143887 1 4 1 yes 38218 2 no 105154 3 (dk) 261 4 (ref) 254 Borrowed from an informal savings club 14342 129545 1 4 1 yes 5172 2 no 9121 3 (dk) 40 4 (ref) 9 Sysmiss 129545 Main source of emergency funds in 30 days 143887 1 9 1 Main source: Savings 37842 2 Main source: Family or friends 44319 3 Main source: Money from working 23977 4 Main source: Borrowing from a bank, empoyer, or private lender 10474 5 Main source: Selling assets 7105 6 Main source: Some other source 4571 7 (I could not come up with the money) 10372 8 (dk) 4135 9 ref 1092 Difficulty of emergency funds in 30 days 128288 15599 1 5 1 Very difficult 37867 2 Somewhat difficult 41845 3 Not difficult at all 47571 4 (DK) 842 5 (ref) 163 Sysmiss 15599 Difficulty of emergency funds in 7 days 128288 15599 1 6 1 Very difficult 56535 2 Somewhat difficult 30130 3 Not difficult at all 38321 4 (I could not come up with the money) 2404 5 (DK) 727 6 (ref) 171 Sysmiss 15599 Sent domestic remittances 114281 29606 1 4 1 yes 29943 2 no 83659 3 (dk) 358 4 (ref) 321 Sysmiss 29606 Sent domestic remittances through an account 29943 113944 1 4 1 yes 19224 2 no 10652 3 (dk) 44 4 (ref) 23 Sysmiss 113944 Sent domestic remittances in cash 10719 133168 1 4 1 yes 6339 2 no 4333 3 (dk) 30 4 (ref) 17 Sysmiss 133168 Sent domestic remittances through an MTO 10719 133168 1 4 1 yes 4235 2 no 6427 3 (dk) 37 4 (ref) 20 Sysmiss 133168 Received domestic remittances 114281 29606 1 4 1 yes 32956 2 no 80690 3 (dk) 300 4 (ref) 335 Sysmiss 29606 Received domestic remittances through an account 32956 110931 1 4 1 yes 19526 2 no 13347 3 (dk) 59 4 (ref) 24 Sysmiss 110931 Received domestic remittances in cash 13430 130457 1 4 1 yes 8376 2 no 4988 3 (dk) 41 4 (ref) 25 Sysmiss 130457 Received domestic remittances through an MTO 13430 130457 1 4 1 yes 4591 2 no 8777 3 (dk) 50 4 (ref) 12 Sysmiss 130457 Paid a utility bill 143887 1 4 1 yes 82959 2 no 60186 3 (dk) 528 4 (ref) 214 Paid a utility bill using an account 82959 60928 1 4 1 yes 42146 2 no 40506 3 (dk) 239 4 (ref) 68 Sysmiss 60928 Paid a utility bill using a mobile phone 80831 63056 1 4 1 yes 23957 2 no 56688 3 (dk) 136 4 (ref) 50 Sysmiss 63056 Paid a utility bill from an account or mobile phone for the first time after the 27472 116415 1 4 1 Only used cash 8795 2 Used other methods, such as a card or mobile phone 18331 3 (dk) 287 4 (ref) 59 Sysmiss 116415 Paid a utility bill from an account or mobile phone for the first time since 202 2021 141866 1 4 1 Only used cash 262 2 Used other methods, such as a card or mobile phone 1708 3 (dk) 48 4 (ref) 3 Sysmiss 141866 Paid a utility bill in cash 33162 110725 1 4 1 yes 29858 2 no 3204 3 (dk) 77 4 (ref) 23 Sysmiss 110725 Received wage payments 143887 1 4 1 yes 55016 2 no 88098 3 (dk) 422 4 (ref) 351 Received public sector wage payments 53178 90709 1 4 1 yes 13604 2 no 39425 3 (dk) 95 4 (ref) 54 Sysmiss 90709 Received wage payments into an account 55016 88871 1 4 1 yes 39470 2 no 15407 3 (dk) 73 4 (ref) 66 Sysmiss 88871 Received wage payments to a mobile phone 23734 120153 1 4 1 yes 4740 2 no 18896 3 (dk) 80 4 (ref) 18 Sysmiss 120153 Received wage payments in cash 13731 130156 1 4 1 yes 10976 2 no 2679 3 (dk) 39 4 (ref) 37 Sysmiss 130156 Received wage payments to a card 2755 141132 1 4 1 yes 566 2 no 2119 3 (dk) 29 4 (ref) 41 Sysmiss 141132 Received wage payments into an account or to a phone or a card and paid higher t 26818 117069 1 4 1 yes 5040 2 no 20973 3 (dk) 775 4 (ref) 30 Sysmiss 117069 Received a government transfer 143887 1 4 1 yes 27707 2 no 115360 3 (dk) 531 4 (ref) 289 Received a government pension 143887 1 4 1 yes 17353 2 no 125945 3 (dk) 367 4 (ref) 222 Received a government transfer or pension into an account 39345 104542 1 4 1 yes 26038 2 no 13061 3 (dk) 182 4 (ref) 64 Sysmiss 104542 Received a government transfer or pension to a mobile phone 15390 128497 1 4 1 yes 3146 2 no 12171 3 (dk) 60 4 (ref) 13 Sysmiss 128497 Received a government transfer or pension in cash 12035 131852 1 4 1 yes 4256 2 no 7696 3 (dk) 54 4 (ref) 29 Sysmiss 131852 Received a government transfer or pension to a card 7779 136108 1 4 1 yes 1640 2 no 6062 3 (dk) 52 4 (ref) 25 Sysmiss 136108 Received an agricultural payment 114281 29606 1 4 1 yes 15305 2 no 98592 3 (dk) 192 4 (ref) 192 Sysmiss 29606 Grow own crops or raise livestock 15305 128582 1 5 1 Yes 12186 2 No 1726 3 (Both) 1369 4 (dk) 15 5 (ref) 9 Sysmiss 128582 Received an agricultural payment into an account 15305 128582 1 4 1 yes 2353 2 no 12900 3 (dk) 39 4 (ref) 13 Sysmiss 128582 Received an agricultural payment to a mobile phone 13041 130846 1 4 1 yes 1811 2 no 11196 3 (dk) 25 4 (ref) 9 Sysmiss 130846 Received an agricultural payment in cash 11825 132062 1 4 1 yes 10507 2 no 1296 3 (dk) 17 4 (ref) 5 Sysmiss 132062 Received an agricultural payment to a card 1318 142569 1 4 1 yes 89 2 no 1209 3 (dk) 14 4 (ref) 6 Sysmiss 142569 Financially worried: old age 143887 1 6 1 Very worried 53089 2 Somewhat worried 45337 3 Not worried at all 42413 4 (Does not apply) 1336 5 (DK) 1402 6 (ref) 310 Financially worried: medical cost 143887 1 6 1 Very worried 63745 2 Somewhat worried 40232 3 Not worried at all 37451 4 (Does not apply) 931 5 (DK) 1242 6 (ref) 286 Financially worried: bills 143887 1 6 1 Very worried 46873 2 Somewhat worried 40926 3 Not worried at all 53059 4 (Does not apply) 1845 5 (DK) 887 6 (ref) 297 Financially worried: education 143887 1 6 1 Very worried 40206 2 Somewhat worried 28031 3 Not worried at all 56786 4 (Does not apply) 17763 5 (DK) 825 6 (ref) 276 Financially most worried 103473 40414 1 6 1 Old age 21591 2 Medical cost 44253 3 Bills 17551 4 Education 17804 5 (DK) 1942 6 (ref) 332 Sysmiss 40414 Financially worried due to COVID-19 110781 33106 1 5 1 Very worried 55603 2 Somewhat worried 32918 3 Not worried at all 20723 4 (DK) 1272 5 (ref) 265 Sysmiss 33106 Financial worry 3500 140387 1 5 1 Very worried 771 2 Somewhat worried 1633 3 Not worried at all 1073 4 (DK) 20 5 (ref) 3 Sysmiss 140387 Saved in the past year 143887 0 1 0 no 66107 1 yes 77780 Borrowed in the past year 143887 0 1 0 no 68265 1 yes 75622 Received a wage payment 143887 1 5 1 received payments into an account 41652 2 received payments in cash only 10976 3 received payments using other methods 2388 4 did not receive payments 88098 5 dk/ref 773 This includes adults who received a wage payment in the past year. Received a government transfer payment 143887 1 5 1 received payments into an account 20403 2 received payments in cash only 3077 3 received payments using other methods 4227 4 did not receive payments 115360 5 dk/ref 820 This includes adults who received a government transfer payment in the past year. Received a government pension payment 143887 1 5 1 received payments into an account 13249 2 received payments in cash only 1750 3 received payments using other methods 2354 4 did not receive payments 125945 5 dk/ref 589 This includes adults who received a government pension payment in the past year. Received a payment for the sale of agricultural goods 114281 29606 1 5 1 received payments into an account 3514 2 received payments in cash only 10507 3 received payments using other methods 1284 4 did not receive payments 98592 5 dk/ref 384 Sysmiss 29606 This includes adults who received a payment for the sale of agricultural goods in the past year. Paid a utility bill 143887 1 5 1 made payments from an account 46841 2 made payments in cash only 29858 3 made payments using other methods 6260 4 did not make payments 60186 5 dk/ref 742 This includes adults who paid a utility bill in the past year. Made or received a domestic remittance payment 114281 29606 1 6 1 sent/received through an account 27621 2 sent/received through an otc transaction 6202 3 sent/received in cash only 7850 4 sent/received using other methods 3765 5 did not send/receive 68051 6 dk/ref 792 Sysmiss 29606 This includes adults who made or received a domestic remittance payment in the past year. Owns a mobile phone 143887 1 4 1 yes 126695 2 no 17055 3 (dk) 34 4 (ref) 103 Internet access 143887 1 4 1 yes 100970 2 no 42326 3 (dk) 389 4 (ref) 202 Made or received a digital payment 143887 0 1 0 no 50525 1 yes 93362 Made a digital merchant payment 114281 29606 0 1 0 no 77136 1 yes 37145 Sysmiss 29606 Year 143887 2021 2022 2021 127854 2022 16033