SSD_2017_FINDEX_v02_M DDI_SSD_2017_FINDEX_v02_M_WB Development Economics Data Group 2018-10-09 Nesstar Publisher Development Research Group, Finance and Private Sector Development Unit Version 02 (October 2018) Global Financial Inclusion (Global Findex) Database 2017 FINDEX 2017 SSD_2017_FINDEX_v02_M Development Research Group, Finance and Private Sector Development Unit Gallup, Inc. Nesstar Publisher Development Research Group, World Bank The Bill and Melinda Gates Foundation Global Findex (World Bank) Development Research Group, Finance and Private Sector Development Unit Other Household Survey [hh/oth] South Sudan Sample excludes parts of 9 of 10 states because of security concerns. It excludes the majority of Unity State and Upper Nile State as well as all of Jonglei State except Bor South County. The excluded areas represent 44% of the population. Individual The target population is the civilian, non-institutionalized population 15 years and above. Observation data/ratings [obs] The Global Findex database provides more than 200 indicators on topics such as account ownership, payments, saving, credit, and financial resilience. Global Findex data is available for more than 140 countries around the world which make up 97% of the world's population. Data is available for 2017, 2014, and 2011. Computer Assisted Personal Interview [capi] Data weighting is used to ensure a nationally rep¬resentative sample for each economy. Final weights consist of the base sampling weight, which corrects for unequal probability of selection based on house¬hold 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, and Jake Hess. 2018. The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess. 2018. The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank. Ref: SSD_2017_FINDEX_v02_M. Accessed at [url] on [date] 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_ssd.NSDstat 1000 102 Nesstar 200801 Economy 1000 0 South Sudan 1000 Economy Code 1000 0 SSD 1000 Gallup World Poll identifier 1000 0 111191492 210906516 Weight 1000 0 0.313 3.133 Respondent is female 1000 0 1 2 1 Male 449 2 Female 551 Respondent age 998 2 15 99 15 15 49 16 16 36 17 17 38 18 18 36 19 19 35 20 20 80 21 21 15 22 22 32 23 23 29 24 24 23 25 25 40 26 26 20 27 27 24 28 28 46 29 29 15 30 30 67 31 31 11 32 32 19 33 33 8 34 34 16 35 35 51 36 36 16 37 37 12 38 38 25 39 39 11 40 40 36 41 41 9 42 42 8 43 43 4 44 44 3 45 45 35 46 46 5 47 47 6 48 48 9 49 49 7 50 50 19 51 51 3 52 52 1 53 53 6 54 54 6 55 55 9 56 56 6 57 57 3 58 58 5 59 59 3 60 60 18 61 61 0 62 62 1 63 63 3 64 64 1 65 65 7 66 66 1 67 67 0 68 68 2 69 69 1 70 70 7 71 71 0 72 72 0 73 73 1 74 74 0 75 75 2 76 76 0 77 77 2 78 78 1 79 79 1 80 80 4 81 81 0 82 82 1 83 83 0 84 84 0 85 85 2 86 86 0 87 87 0 88 88 0 89 89 0 90 90 0 91 91 1 92 92 0 93 93 0 94 94 0 95 95 0 96 96 0 97 97 0 98 98 0 99 99+ 5 Sysmiss 2 Respondent education level 1000 0 1 4 1 completed primary or less 827 2 secondary 161 3 completed tertiary or more 6 4 (dk) 6 5 (rf) 0 Within-economy household income quintile 1000 0 1 5 1 Poorest 20% 194 2 Second 20% 193 3 Middle 20% 193 4 Fourth 20% 198 5 Richest 20% 222 Respondent is in the workforce 1000 0 0 1 0 out of workforce 294 1 in workforce 706 Has a debit card A/An [local terminology for ATM/debit card] is a card connected to an account at a financial institution that allows you to withdraw money, and the money is taken out of THAT ACCOUNT right away. Do you, personally, have a/an [local terminology for ATM/debit card]? Yes or no? The respondent must CURRENTLY have a/an [local terminology for ATM/debit card]) 1000 0 1 4 1 yes 27 2 no 876 3 (dk) 94 4 (ref) 3 If has debit card: card in own name Is this [local terminology for ATM/debit card] connected to an account with your name on it? (Skip to FIN7)]]> 27 973 1 3 1 yes 22 2 no 3 3 (dk) 2 4 (ref) 0 Sysmiss 973 If has debit card: used card in past 12 months In the PAST 12 MONTHS, have you used your OWN [local terminology for ATM/debit card] DIRECTLY to make a purchase? 22 978 1 2 1 yes 9 2 no 13 3 (dk) 0 4 (ref) 0 Sysmiss 978 Used mobile phone or internet to access FI account In the PAST 12 MONTHS, did you ever use a MOBILE PHONE or the Internet to make a payment, to buy something, or to send money FROM your account at a bank or another type of financial institution? (This should not include transactions made through phone calls.) 46 954 1 3 1 yes 6 2 no 39 3 (dk) 1 4 (ref) 0 Sysmiss 954 Used mobile phone or internet to check account balance In the PAST 12 MONTHS, have you checked your account balance using a mobile phone or the Internet? (If respondent mentions “text messages,” code as Yes [code 1]) 46 954 1 3 1 yes 10 2 no 35 3 (dk) 1 4 (ref) 0 Sysmiss 954 Has a credit card A credit card is a card that allows you to BORROW money in order to make payments or buy things, and you can pay the balance off later. Do you, personally, have a credit card? No/DH/Refused > (Skip to Note after FIN8) 1000 0 1 4 1 yes 12 2 no 879 3 (dk) 104 4 (ref) 5 If has credit card: used card in past 12 months In the PAST 12 MONTHS, have you, personally, used your credit card? (If respondent has an account at a financial institution OR has a debit card in their name which is connected to an account [code 1 in FIN1 OR code 1 in FIN3], Continue; Otherwise, Skip to FIN11) 12 988 1 2 1 yes 4 2 no 8 3 (dk) 0 4 (ref) 0 Sysmiss 988 If has account: any deposit into account in past 12 months (READ:) Now, thinking about ALL the PERSONAL accounts you have at financial institutions, either by yourself or together with someone else... In the PAST 12 MONTHS, has money ever been DEPOSITED into your personal account(s)? This includes cash or electronic deposits, or any time money is put into your account(s) by yourself, an employer, or another person or institution. 47 953 1 3 1 yes 27 2 no 18 3 (dk) 2 4 (ref) 0 Sysmiss 953 If has account: any withdrawal from account in past 12 months In the PAST 12 MONTHS, has money ever been TAKEN OUT of your personal account(s)? This includes cash withdrawals you make in person, using your [local terminology for ATM/debit card] or mobile phone, electronic payments or purchases, checks, or any other time money is removed from your account(s) by yourself or by another person or institution. (ALL in FIN10, Skip to FIN12 IN GSMA MOBILE MONEY COUNTRIES OR FIN14) 47 953 1 2 1 yes 17 2 no 30 3 (dk) 0 4 (ref) 0 Sysmiss 953 If does not have account: b/c too far away 953 47 1 4 1 yes 205 2 no 709 3 (dk) 34 4 (ref) 5 Sysmiss 47 If does not have account: b/c too expensive 953 47 1 4 1 yes 218 2 no 682 3 (dk) 45 4 (ref) 8 Sysmiss 47 If does not have account: b/c lack documentation 953 47 1 4 1 yes 238 2 no 683 3 (dk) 28 4 (ref) 4 Sysmiss 47 If does not have account: b/c lack trust 953 47 1 4 1 yes 140 2 no 758 3 (dk) 51 4 (ref) 4 Sysmiss 47 If does not have account: b/c religious reasons 953 47 1 4 1 yes 41 2 no 875 3 (dk) 33 4 (ref) 4 Sysmiss 47 If does not have account: b/c lack of money 953 47 1 4 1 yes 611 2 no 315 3 (dk) 22 4 (ref) 5 Sysmiss 47 If does not have account: b/c family member already has one 953 47 1 4 1 yes 50 2 no 867 3 (dk) 30 4 (ref) 6 Sysmiss 47 If does not have account: b/c no need for financial services 953 47 1 4 1 yes 150 2 no 769 3 (dk) 28 4 (ref) 6 Sysmiss 47 Made bill payments online using the Internet (If respondent has used the Internet to buy something online in the past 12 months [code 1 in FIN14B], Continue; Otherwise, Skip to FIN15) (Read FIN14A-FIN14B) 1000 0 1 4 1 yes 29 2 no 926 3 (dk) 42 4 (ref) 3 Bought something online using the Internet (If respondent has used the Internet to buy something online in the past 12 months [code 1 in FIN14B], Continue; Otherwise, Skip to FIN15) (Read FIN14A-FIN14B) 1000 0 1 4 1 yes 19 2 no 922 3 (dk) 54 4 (ref) 5 Paid online or in cash at delivery (Read FIN14A-FIN14B) 19 981 1 3 1 Pay online 1 2 In cash 15 3 (dk) 3 4 (ref) 0 Sysmiss 981 Saved in past 12 months: for farm/business purposes (ASK ALL) 1000 0 1 4 1 yes 126 2 no 837 3 (dk) 32 4 (ref) 5 Saved in past 12 months: for old age (ASK ALL) 1000 0 1 4 1 yes 122 2 no 858 3 (dk) 17 4 (ref) 3 Saved in past 12 months: using an account at a financial institution 1000 0 1 4 1 yes 38 2 no 948 3 (dk) 11 4 (ref) 3 Saved in past 12 months: using an informal savings club 1000 0 1 4 1 yes 152 2 no 821 3 (dk) 25 4 (ref) 2 Has loan from a financial institution for home, apartment, or land (READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions. (ASK ALL) 1000 0 1 4 1 yes 46 2 no 936 3 (dk) 17 4 (ref) 1 Borrowed in past 12 months: for medical purposes (READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions. (ASK ALL) 1000 0 1 4 1 yes 197 2 no 779 3 (dk) 22 4 (ref) 2 Borrowed in past 12 months: for farm/business purposes (READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions. (ASK ALL) 1000 0 1 4 1 yes 99 2 no 887 3 (dk) 11 4 (ref) 3 Borrowed in past 12 months: from a financial institution (READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions. 1000 0 1 4 1 yes 27 2 no 954 3 (dk) 17 4 (ref) 2 Borrowed in past 12 months: from family or friends (READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions. 1000 0 1 4 1 yes 267 2 no 705 3 (dk) 26 4 (ref) 2 Borrowed in past 12 months: from an informal savings club (If respondent has borrowed money from a financial institution, from family, relatives, or friends, or from an informal savings group/club [code 1 to ANY in FIN20, FIN21, FIN22A, FIN22B, OR FIN22C], Skip to FIN24; Otherwise, Continue) 152 848 1 3 1 yes 72 2 no 79 3 (dk) 1 4 (ref) 0 Sysmiss 848 Possibility of coming up with emergency funds (READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions. (Continue) Not possible > (Skip to FIN26) (DK) > (Continue) (Refused) > Continue]]> (ASK ALL) 1000 0 1 4 1 Possible 251 2 Not possible 723 3 (dk) 24 4 (ref) 2 Main source of emergency funds (Read 1-5) 251 749 1 8 1 Main source: Savings 32 2 Main source: Family or friends 73 3 Main source: Money from working 69 4 Main source: Borrowing from a bank, empoyer, or private lend 4 5 Main source: Selling assets 43 6 Main source: Some other source 9 7 (dk) 18 8 ref 3 Sysmiss 749 Sent domestic remittances in past 12 months (Continue) No/ DK/ Refused > (Skip to FIN28)]]> 1000 0 1 4 1 yes 209 2 no 777 3 (dk) 12 4 (ref) 2 If sent domestic remittances: through a financial institution (Read FIN27A-FIN27B) 209 791 1 3 1 yes 110 2 no 97 3 (dk) 2 4 (ref) 0 Sysmiss 791 If sent domestic remittances: through a mobile phone (If respondent has given or sent money through a financial institution OR through a mobile phone [code 1 in FIN27A OR code 1 in FIN27B], Skip to FIN28; Otherwise, Continue) (Read FIN27A-FIN27B) 209 791 1 3 1 yes 28 2 no 177 3 (dk) 4 4 (ref) 0 Sysmiss 791 If sent domestic remittances: in cash (Read FIN27C1-FIN27C2) 88 912 1 3 1 yes 53 2 no 34 3 (dk) 1 4 (ref) 0 Sysmiss 912 If sent domestic remittances: through an MTO (Read FIN27C1-FIN27C2) 88 912 1 2 1 yes 40 2 no 48 3 (dk) 0 4 (ref) 0 Sysmiss 912 Received domestic remittances in past 12 months (Continue) No/DK/Refused > (Skip to FIN30)]]> 1000 0 1 3 1 yes 192 2 no 790 3 (dk) 18 4 (ref) 0 If received domestic remittances: through a financial institution (Read FIN29A-FIN29B) 192 808 1 2 1 yes 93 2 no 99 3 (dk) 0 4 (ref) 0 Sysmiss 808 If received domestic remittances: through a mobile phone (If respondent has received money through a financial institution OR through a mobile phone [code 1 in FIN29A OR code 1 in FIN29B], Skip to FIN30; Otherwise, Continue) (Read FIN29A-FIN29B) 192 808 1 4 1 yes 19 2 no 171 3 (dk) 1 4 (ref) 1 Sysmiss 808 If received domestic remittances: in cash (Read FIN29C1-FIN29C2) 90 910 1 2 1 yes 63 2 no 27 3 (dk) 0 4 (ref) 0 Sysmiss 910 If received domestic remittances: through an MTO (Read FIN29C1-FIN29C2) 90 910 1 2 1 yes 47 2 no 43 3 (dk) 0 4 (ref) 0 Sysmiss 910 Paid utility bills in past 12 months In the PAST 12 MONTHS, have you, personally, made regular payments for electricity, water, OR trash collection? Yes or no? (Continue) No/DK/Refused >(Skip to FIN32)]]> 1000 0 1 4 1 yes 135 2 no 837 3 (dk) 27 4 (ref) 1 If paid utility bills: using an account (If respondent has made payments for electricity, water, OR trash collection through an account at a financial institution OR through a mobile phone [code 1 in FIN31A OR code 1 in FIN31B], Skip to FIN32; Otherwise, Continue) (Read FIN31A-FIN31B) 135 865 1 2 1 yes 10 2 no 125 3 (dk) 0 4 (ref) 0 Sysmiss 865 If paid utility bills: through a mobile phone (If respondent has made payments for electricity, water, OR trash collection through an account at a financial institution OR through a mobile phone [code 1 in FIN31A OR code 1 in FIN31B], Skip to FIN32; Otherwise, Continue) (Read FIN31A-FIN31B) 135 865 1 3 1 yes 10 2 no 124 3 (dk) 1 4 (ref) 0 Sysmiss 865 If paid utility bills: in cash In the PAST 12 MONTHS, have you, personally, made payments for electricity, water, OR trash collection in any of the following ways? (Read) You made a payment using cash. 118 882 1 2 1 yes 70 2 no 48 3 (dk) 0 4 (ref) 0 Sysmiss 882 Received wage payments in past 12 months (Continue) No/DK/Refused > (Skip to FIN37)]]> (Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer) 1000 0 1 3 1 yes 126 2 no 862 3 (dk) 12 4 (ref) 0 If received wage payments: work in public sector In the PAST 12 MONTHS, have you been employed by the government, military, or public sector? Yes or no? 126 874 1 4 1 yes 55 2 no 69 3 (dk) 1 4 (ref) 1 Sysmiss 874 If received wage payments: into an account (If respondent received payments from an employer for salary or wages directly into an account at a financial institution OR through a mobile phone [code 1 in FIN34A OR code 1 in FIN34B], Skip to FIN35; Otherwise, Continue) (Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer) (Read FIN34A-FIN34B) 126 874 1 3 1 yes 14 2 no 110 3 (dk) 2 4 (ref) 0 Sysmiss 874 If received wage payments: through a mobile phone (If respondent received payments from an employer for salary or wages directly into an account at a financial institution OR through a mobile phone [code 1 in FIN34A OR code 1 in FIN34B], Skip to FIN35; Otherwise, Continue) (Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer) (Read FIN34A-FIN34B) 126 874 1 3 1 yes 4 2 no 119 3 (dk) 3 4 (ref) 0 Sysmiss 874 If received wage payments: in cash (All in FIN34C2, Skip to FIN37) (Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer) (Read FIN34C1-FIN34C2) 109 891 1 4 1 yes 84 2 no 24 3 (dk) 0 4 (ref) 1 Sysmiss 891 If received wage payments: to a card (All in FIN34C2, Skip to FIN37) (Respondent should only consider SALARY OR WAGES they received, not any other payments they might have received from an employer) (Read FIN34C1-FIN34C2) 109 891 1 3 1 yes 5 2 no 103 3 (dk) 1 4 (ref) 0 Sysmiss 891 If received cashless wage payments: first account Thinking about the account you use to receive payments from an employer, was it the first account you ever opened, or not? (Continue) No/DK/Refused > (Skip to FIN37)]]> 14 986 1 3 1 Yes 4 2 No 9 3 (DK) 1 4 (Refused) 0 Sysmiss 986 If received cashless wage payments: opened to receive payments Did you open this account in order to receive payments from this employer? 4 996 1 2 1 Yes 3 2 No 1 3 (DK) 0 4 (Refused) 0 Sysmiss 996 Received government transfers in past 12 months In the PAST 12 MONTHS, have you, personally, RECEIVED any financial support from the government? This money could include payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of SOCIAL BENEFITS. Please do NOT include wages or any payments related to work. 1000 0 1 4 1 yes 45 2 no 940 3 (dk) 13 4 (ref) 2 Received government transfers in past 12 months: pension In the PAST 12 MONTHS, have you, personally, received a pension from the government, military, or public sector? (If respondent received financial support from the government or a pension from the government, military, or public sector [code 1 in FIN37 OR code 1 in FIN38, Continue; Otherwise, Skip to FIN42) 1000 0 1 4 1 yes 38 2 no 937 3 (dk) 22 4 (ref) 3 If received government transfers: into an account (If respondent received any money from the government directly into an account at a financial institution OR through a mobile phone [code 1 in FIN39A OR code 1 in FIN39B], Skip to FIN40; Otherwise, Continue) (Read FIN39A-FIN39B) 74 926 1 3 1 yes 11 2 no 62 3 (dk) 1 4 (ref) 0 Sysmiss 926 If received government transfers: through a mobile phone (If respondent received any money from the government directly into an account at a financial institution OR through a mobile phone [code 1 in FIN39A OR code 1 in FIN39B], Skip to FIN40; Otherwise, Continue) (Read FIN39A-FIN39B) 74 926 1 4 1 yes 4 2 no 68 3 (dk) 1 4 (ref) 1 Sysmiss 926 If received government transfers: in cash (Read FIN39C1-FIN39C2) 60 940 1 3 1 yes 23 2 no 36 3 (dk) 1 4 (ref) 0 Sysmiss 940 If received government transfers: to a card (All in FIN39C2, Skip to FIN42) (Read FIN39C1-FIN39C2) 60 940 1 3 1 yes 2 2 no 57 3 (dk) 1 4 (ref) 0 Sysmiss 940 If received cashless government transfers: first account Continue No/DK/Refused > (Skip to FIN42)]]> 1 999 1 1 1 Yes 1 2 No 0 3 (DK) 0 4 (Refused) 0 Sysmiss 999 If received cashless government transfers: opened to receive payments 1 999 1 1 1 Yes 1 2 No 0 3 (DK) 0 4 (Refused) 0 Sysmiss 999 Received agricultural payments in past 12 months (Continue) No/DK/Refused > (Skip to Note before FIN46)]]> 1000 0 1 4 1 yes 346 2 no 643 3 (dk) 9 4 (ref) 2 If received agricultural payments: into an account (If respondent received any money for the sale of agricultural products, crops, produce, or livestock directly into an account at a financial institution OR through a mobile phone [code 1 in FIN43A OR code 1 in FIN43B], Skip to FIN44; Otherwise, Continue) (Read FIN43A-FIN43B) 346 654 1 4 1 yes 25 2 no 319 3 (dk) 0 4 (ref) 2 Sysmiss 654 If received agricultural payments: through a mobile phone (If respondent received any money for the sale of agricultural products, crops, produce, or livestock directly into an account at a financial institution OR through a mobile phone [code 1 in FIN43A OR code 1 in FIN43B], Skip to FIN44; Otherwise, Continue) (Read FIN43A-FIN43B) 346 654 1 4 1 yes 6 2 no 336 3 (dk) 3 4 (ref) 1 Sysmiss 654 If received agricultural payments: in cash (Read FIN43C1-FIN43C2 316 684 1 4 1 yes 258 2 no 57 3 (dk) 0 4 (ref) 1 Sysmiss 684 If received agricultural payments: to a card (All in FIN43C2, Skip to Note before FIN47C3) (Read FIN43C1-FIN43C2 316 684 1 4 1 yes 8 2 no 304 3 (dk) 3 4 (ref) 1 Sysmiss 684 If received agricultural payments: opened to receive payments (Continue) No /DK/Refused > (Skip to Note before FIN47C3)]]> 25 975 1 3 1 yes 5 2 no 19 3 (dk) 1 4 (ref) 0 Sysmiss 975 If received agricultural payments: opened to receive payments Did you open this account in order to receive these payments? (If respondent received salary from an employer OR received payment for the sale of agricultural goods [code 1 in FIN32 OR code 1 in FIN42], Skip to Note before FIN47C3; Otherwise, Continue) 5 995 1 2 1 yes 4 2 no 1 3 (dk) 0 4 (ref) 0 Sysmiss 995 Received self-employment payments: in past 12 months (Continue) No/DK/Refused > (Skip to Note before FIN47C3)]]> 598 402 1 4 1 yes 45 2 no 542 3 (dk) 10 4 (ref) 1 Sysmiss 402 If received self-employment payments: into an account (If respondent received any money from their business or from selling goods directly into an account at a financial institution OR through a mobile phone [code 1 in FIN47A OR code 1 in FIN47B], Skip to Note before FIN47C3; Otherwise, Continue) (Read FIN47A-FIN47B) 45 955 1 4 1 yes 6 2 no 36 3 (dk) 2 4 (ref) 1 Sysmiss 955 If received self-employment payments: through a mobile phone (If respondent received any money from their business or from selling goods directly into an account at a financial institution OR through a mobile phone [code 1 in FIN47A OR code 1 in FIN47B], Skip to Note before FIN47C3; Otherwise, Continue) (Read FIN47A-FIN47B) 45 955 1 4 1 yes 1 2 no 41 3 (dk) 2 4 (ref) 1 Sysmiss 955 If received self-employment payments: in cash (If code 2, 3, or 4 in FIN1 AND [code 2, 3, or 4 in FIN2 OR code 2, 3, or 4 in FIN3] AND code 1 to ANY in FIN31A, FIN34A, FIN34C2, FIN39A, FIN39C2, FIN43A, FIN43C2, FIN47A, OR FIN47C2, Continue; Otherwise, Skip to FIN48) (Read FIN47C1-FIN47C2) 38 962 1 3 1 yes 31 2 no 6 3 (dk) 1 4 (ref) 0 Sysmiss 962 If received self-employment payments: to a card (If code 2, 3, or 4 in FIN1 AND [code 2, 3, or 4 in FIN2 OR code 2, 3, or 4 in FIN3] AND code 1 to ANY in FIN31A, FIN34A, FIN34C2, FIN39A, FIN39C2, FIN43A, FIN43C2, FIN47A, OR FIN47C2, Continue; Otherwise, Skip to FIN48) (Read FIN47C1-FIN47C2) 38 962 1 3 1 yes 2 2 no 35 3 (dk) 1 4 (ref) 0 Sysmiss 962 Marginal: Used debit card in your own name In the PAST 12 MONTHS, have you used your OWN [insert local terminology for ATM/debit card] DIRECTLY to make a purchase? 49 951 1 3 1 yes 3 2 no 42 3 (dk) 4 4 (ref) 0 Sysmiss 951 Marginal: Used mobile phone or internet to access FI account In the PAST 12 MONTHS, did you ever use a MOBILE PHONE or the Internet to make a payment, to buy something, or to send money FROM your account at a bank or another type of financial institution? (This should not include transactions made through phone calls.) 49 951 1 4 1 yes 1 2 no 46 3 (dk) 0 4 (ref) 2 Sysmiss 951 Marginal: Used mobile phone or internet to check account balance In the PAST 12 MONTHS, have you checked your account balance using a mobile phone or the Internet? (If respondent mentions “text messages,” code as Yes [code 1]) 49 951 1 4 1 yes 1 2 no 44 3 (dk) 3 4 (ref) 1 Sysmiss 951 Owns a mobile phone 1000 0 1 4 1 yes 301 2 no 694 3 (dk) 4 4 (ref) 1 Has a national ID 1000 0 1 4 1 yes 247 2 no 723 3 (dk) 27 4 (ref) 3 Has an account at a financial institution 1000 0 0 1 0 914 1 yes 86 2 no 0 3 dk/ref 0 Has an account 1000 0 0 1 0 914 1 yes 86 2 no 0 3 dk/ref 0 Saved in the past year 1000 0 0 1 0 645 1 yes 355 2 no 0 3 dk/ref 0 Borrowed in the past year 1000 0 0 1 0 606 1 yes 394 2 no 0 3 dk/ref 0 Payments: wage payments 1000 0 1 5 1 into an account 19 2 Main source: Family or friends 80 3 Main source: Money from working 27 4 Main source: Borrowing from a bank, empoyer, or private lend 862 5 Main source: Selling assets 12 6 Main source: Some other source 0 7 (dk) 0 8 ref 0 Payments: government transfers 1000 0 1 5 1 5 2 15 3 25 4 940 5 15 Payments: government pension 1000 0 1 5 1 9 2 11 3 18 4 937 5 25 Payments: selling agricultural goods 1000 0 1 5 1 33 2 252 3 61 4 643 5 11 Payments: utility bills 1000 0 1 5 1 10 2 70 3 55 4 837 5 28 Domestic remittances 1000 0 1 6 1 42 2 174 3 37 4 34 5 688 6 25 Pay online [of adults]- F2F 1000 0 0 1 0 no/dk/ref 999 1 yes 1 Pay online [of buyers]- F2F 19 981 0 1 0 no/dk/ref 18 1 yes 1 Sysmiss 981 Pay in cash when order is delivered [of adults]- F2F 1000 0 0 1 0 no/dk/ref 985 1 yes 15 Pay in cash when order is delivered [of buyers]- F2F 19 981 0 1 0 no/dk/ref 4 1 yes 15 Sysmiss 981