Afg h an ist an - Glob al Fin an cial In clu sion
(Glob al Fin d e x ) D at ab ase 2 0 1 1
D e v e lo p m e n t R e se a r ch G r o u p , F in a n ce a n d P r iv a t e S e ct o r D e v e lo p m e n t U n it
-W o r ld Ba n k
Re p or t g e n e r at e d on : Ap r il 1 5 , 2 0 1 5
Visit ou r d at a cat alog at :
h t t p ://m icr od at a.w or ld b an k .or g
Sam p l i n g
Sam p l i n g Pr oced u r e
Th e Glob al Fin d e x in d icat or s ar e d r aw n fr om su r v e y d at a colle ct e d b y Gallu p , In c. ov e r t h e 2 0 1 1 cale n d ar y e ar , cov e r in g m or e t h an 1 5 0 ,0 0 0 ad u lt s in 1 4 8 e con om ie s an d r e p r e se n t in g ab ou t 9 7 p e r ce n t of t h e w or ld 's p op u lat ion . Sin ce 2 0 0 5 , Gallu p h as su r v e y e d ad u lt s an n u ally ar ou n d t h e w or ld , u sin g a u n ifor m m e t h od olog y an d r an d om ly se le ct e d , n at ion ally
r e p r e se n t at iv e sam p le s. Th e se con d r ou n d of Glob al Fin d e x in d icat or s w as colle ct e d in 2 0 1 4 an d is for t h com in g in 2 0 1 5 . Th e se t of in d icat or s w ill b e colle ct e d ag ain in 2 0 1 7 .
Su r v e y s w e r e con d u ct e d face -t o-face in e con om ie s w h e r e lan d lin e t e le p h on e p e n e t r at ion is le ss t h an 8 0 p e r ce n t , or w h e r e face -t o-face in t e r v ie w in g is cu st om ar y . Th e fir st st ag e of sam p lin g is t h e id e n t ificat ion of p r im ar y sam p lin g u n it s, con sist in g of clu st e r s of h ou se h old s. Th e p r im ar y sam p lin g u n it s ar e st r at ifie d b y p op u lat ion size , g e og r ap h y , or b ot h , an d clu st e r in g is ach ie v e d t h r ou g h on e or m or e st ag e s of sam p lin g . W h e r e p op u lat ion in for m at ion is av ailab le , sam p le se le ct ion is b ase d on p r ob ab ilit ie s p r op or t ion al t o p op u lat ion size ; ot h e r w ise , sim p le r an d om sam p lin g is u se d . Ran d om r ou t e p r oce d u r e s ar e u se d t o se le ct sam p le d h ou se h old s. Un le ss an ou t r ig h t r e fu sal occu r s, in t e r v ie w e r s m ak e u p t o t h r e e at t e m p t s t o su r v e y t h e sam p le d h ou se h old . If an in t e r v ie w can n ot b e ob t ain e d at t h e in it ial sam p le d h ou se h old , a sim p le su b st it u t ion m e t h od is u se d . Re sp on d e n t s ar e r an d om ly se le ct e d w it h in t h e se le ct e d h ou se h old s b y m e an s of t h e Kish g r id .
Su r v e y s w e r e con d u ct e d b y t e le p h on e in e con om ie s w h e r e lan d lin e t e le p h on e p e n e t r at ion is ov e r 8 0 p e r ce n t . Th e t e le p h on e su r v e y s w e r e con d u ct e d u sin g r an d om d ig it d ialin g or a n at ion ally r e p r e se n t at iv e list of p h on e n u m b e r s. In se le ct e d
cou n t r ie s w h e r e ce ll p h on e p e n e t r at ion is h ig h , a d u al sam p lin g fr am e is u se d . Ran d om r e sp on d e n t se le ct ion is ach ie v e d b y u sin g e it h e r t h e lat e st b ir t h d ay or Kish g r id m e t h od . At le ast t h r e e at t e m p t s ar e m ad e t o t e ach a p e r son in e ach h ou se h old , sp r e ad ov e r d iffe r e n t d ay s an d t im e s of y e ar .
Th e sam p le size in Afg h an ist an w as 1 ,0 0 0 in d iv id u als. Ge n d e r -m at ch e d sam p lin g w as u se d d u r in g t h e fin al st ag e of se le ct ion .
W ei g h t i n g
D at a w e ig h t in g is u se d t o e n su r e a n at ion ally r e p r e se n t at iv e sam p le for e ach e con om y . Fir st , b ase sam p lin g w e ig h t s ar e con st r u ct e d t o accou n t for ov e r sam p le s an d h ou se h old size . If an ov e r sam p le h as b e e n con d u ct e d , t h e d at a ar e w e ig h t e d t o cor r e ct t h e d isp r op or t ion at e sam p le . W e ig h t in g b y h ou se h old size (n u m b e r of r e sid e n t s ag e 1 5 an d ab ov e ) is u se d t o ad ju st for t h e p r ob ab ilit y of se le ct ion , as r e sid e n t s in lar g e h ou se h old s w ill h av e a d isp r op or t ion at e ly low e r p r ob ab ilit y of b e in g se le ct e d for t h e sam p le . Se con d , p ost st r at ificat ion w e ig h t s ar e con st r u ct e d . Pop u lat ion st at ist ics ar e u se d t o w e ig h t t h e d at a b y g e n d e r , ag e , an d , w h e r e r e liab le d at a ar e av ailab le , e d u cat ion or socioe con om ic st at u s.
Q u est i on n ai r es
O v er v i ew
Th e q u e st ion n air e w as d e sig n e d b y t h e W or ld Ban k , in con ju n ct ion w it h a Te ch n ical Ad v isor y Boar d com p ose d of le ad in g acad e m ics, p r act it ion e r s, an d p olicy m ak e r s in t h e fie ld of fin an cial in clu sion . Th e Bill an d Me lin d a Gat e s Fou n d at ion an d Gallu p , In c. also p r ov id e d v alu ab le in p u t . Th e q u e st ion n air e w as p ilot e d in ov e r 2 0 cou n t r ie s u sin g focu s g r ou p s, cog n it iv e in t e r v ie w s, an d fie ld t e st in g . Th e q u e st ion n air e is av ailab le in 1 4 2 lan g u ag e s u p on r e q u e st .
D at a C ol l ect i on
D at a C ol l ect i on D at es
S t a r t En d Cy cle
2 0 1 1 -0 4 -2 4 2 0 1 1 -0 5 -0 2 Tr ie n n ial
D at a C ol l ect i on M od e
Face -t o-face [ f2 f]D A T A CO LLECT I O N N O T ES
In t e r v ie w s w e r e con d u ct e d in t h e follow in g lan g u ag e s: D ar i, Pash t o.
D at a Pr ocessi n g
D at a A p p r ai sal
E st i m at es of Sam p l i n g E r r or
Est im at e s of st an d ar d e r r or s (w h ich accou n t for sam p lin g e r r or ) v ar y b y cou n t r y an d in d icat or . For cou n t r y - an d in d icat or -sp e cific st an d ar d e r r or s, r e fe r t o t h e An n e x an d Cou n t r y Tab le in D e m ir g u c-Ku n t , Asli an d L. Klap p e r . 2 0 1 2 . " Me asu r in g Fin an cial In clu sion : Th e Glob al Fin d e x ." Policy Re se ar ch W or k in g Pap e r 6 0 2 5 , W or ld Ban k , W ash in g t on , D .C.
V a r ia b le List
m icr o _A F G
Con t e n t
Case s 1 0 0 0
Var iab le (s) 5 0 St r u ct u r e Ty p e :
Ke y s: ()
Ve r sion
Ve r sion 0 2 in clu d e s t h e follow in g u p d at e s: - Mod ificat ion of t h e " in c_q " d at a Th e m e t h od olog y t o calcu lat e w it h in -cou n t r y in com e q u in t ile s ch an g e d sin ce 2 0 1 1 . In st e ad of b asin g t h e w it h in -cou n t r y in com e q u in t ile s on h ou se h old in com e d at a alon e , ad d it ion al d at a on h ou se h old h e ad cou n t ar e u se d . Th e fin e r g r an u lar it y allow s a m or e p r e cise m ap p in g of t h e in com e d at a in t o t h e w it h in -cou n t r y in com e q u in t ile s. W e ig h t s ar e u se d t o m ak e t h e m ap p in g n at ion ally r e p r e se n t at iv e t o t h e in com e st r u ct u r e of t h e cou n t r y . Th e n e w m e t h od w as r e t r oact iv e ly ap p lie d t o t h e 2 0 1 1 d at a. All ob se r v at ion s in " in c_q " ar e affe ct e d .
Pr od u ce r Missin g D at a
V a r ia b le s
I D N a m e La b e l T y p e F o r m a t Q u e st io n
V1 5 1 e con om y Econ om y d iscr e t e ch ar act e r
V1 5 2 e cn m y cod e Econ om y cod e d iscr e t e ch ar act e r
V1 5 3 w g t w g t w e ig h t con t in n u m e r ic
V1 5 4 fe m ale Re sp on d e n t is fe m ale d iscr e t e n u m e r ic
V1 5 5 ag e Re sp on d e n t ag e d iscr e t e n u m e r ic
V1 5 6 e d u c Re sp on d e n t e d u cat ion le v e l d iscr e t e n u m e r ic
V1 5 7 in c_q W it h in -e con om y in com e q u in t ile d iscr e t e n u m e r ic
V1 5 8 q 1 a Has an accou n t at a fin an cial in st it it u t ion d iscr e t e n u m e r ic
V1 5 9 accou n t Has an accou n t at a fin an cial in st it u t ion /p ost office /MFI (com p osit e in d icat or ) d iscr e t e n u m e r ic
V1 6 0 q 2 If h as accou n t : p u r p ose of accou n t d iscr e t e n u m e r ic
V1 6 1 q 3 a Has a d e b it car d d iscr e t e n u m e r ic
V1 6 2 q 3 b Has a cr e d it car d d iscr e t e n u m e r ic
V1 6 3 q 4 If h as accou n t : n u m b e r of m on t h ly d e p osit s in t o accou n t d iscr e t e n u m e r ic
V1 6 4 q 5 If h as accou n t : n u m b e r of m on t h ly w it h d r aw als fr om accou n t d iscr e t e n u m e r ic
V1 6 5 q 6 If h as accou n t : m ost fr e q u e n t m od e of cash w it h d r aw al d iscr e t e n u m e r ic
V1 6 6 q 7 If h as accou n t : m ost fr e q u e n t m od e of cash d e p osit d iscr e t e n u m e r ic
V1 6 7 q 8 a If h as accou n t : u se s ch e ck s d iscr e t e n u m e r ic
V1 6 8 q 8 b If h as accou n t : u se s e le ct r on ic p ay m e n t s d iscr e t e n u m e r ic
V1 6 9 q 9 a If h as accou n t : u se s it t o r e ce iv e w or k p ay m e n t s d iscr e t e n u m e r ic
V1 7 0 q 9 b If h as accou n t : u se s it t o r e ce iv e g ov 't p ay m e n t s d iscr e t e n u m e r ic
V1 7 1 q 9 c If h as accou n t : u se s it t o r e ce iv e m on e y fr om fam ily d iscr e t e n u m e r ic
V1 7 2 q 9 d If h as accou n t : u se s it t o se n d m on e y t o fam ily d iscr e t e n u m e r ic
V1 7 3 q 1 0 a If d oe s n ot h av e accou n t : b /c t oo far aw ay d iscr e t e n u m e r ic
V1 7 4 q 1 0 b If d oe s n ot h av e accou n t : b /c t oo e x p e n siv e d iscr e t e n u m e r ic
I D N a m e La b e l T y p e F o r m a t Q u e st io n
V1 7 6 q 1 0 d If d oe s n ot h av e accou n t : b /c lack t r u st d iscr e t e n u m e r ic
V1 7 7 q 1 0 e If d oe s n ot h av e accou n t : b /c lack of m on e y d iscr e t e n u m e r ic
V1 7 8 q 1 0 f If d oe s n ot h av e accou n t : b /c r e lig iou s r e ason s d iscr e t e n u m e r ic
V1 7 9 q 1 0 g If d oe s n ot h av e accou n t : b /c fam ily m e m b e r alr e ad y h as on e d iscr e t e n u m e r ic
V1 8 0 q 1 1 Has sav e d m on e y in t h e p ast 1 2 m on t h s d iscr e t e n u m e r ic
V1 8 1 q 1 2 a If sav e d : sav e d for fu t u r e e x p e n se s (e d u cat ion , w e d d in g ) d iscr e t e n u m e r ic
V1 8 2 q 1 2 b If sav e d : sav e d for e m e r g e n cie s d iscr e t e n u m e r ic
V1 8 3 q 1 3 a If sav e d : sav e d at a fin an cial in st it u t ion d iscr e t e n u m e r ic
V1 8 4 q 1 3 b If sav e d : sav e d u sin g a sav in g s clu b d iscr e t e n u m e r ic
V1 8 5 q 1 4 a Bor r ow e d m on e y fr om fin an cial in st it u t ion in p ast 1 2 m on t h s d iscr e t e n u m e r ic
V1 8 6 q 1 4 b Bor r ow e d m on e y fr om a st or e (st or e cr e d it ) in p ast 1 2 m on t h s d iscr e t e n u m e r ic
V1 8 7 q 1 4 c Bor r ow e d m on e y fr om fam ily or fr ie n d s in p ast 1 2 m on t h s d iscr e t e n u m e r ic
V1 8 8 q 1 4 d Bor r ow e d m on e y fr om e m p loy e r in p ast 1 2 m on t h s d iscr e t e n u m e r ic
V1 8 9 q 1 4 e Bor r ow e d m on e y fr om an ot h e r p r iv at e le n d e r in p ast 1 2 m on t h s d iscr e t e n u m e r ic
V1 9 0 q 1 5 a Cu r r e n t ly h as loan for h om e p u r ch ase d iscr e t e n u m e r ic
V1 9 1 q 1 6 Pe r son ally h as h e alt h in su r an ce in ad d it ion t o n at 'l in su r an ce d iscr e t e n u m e r ic
V1 9 2 q 1 7 If h as in su r an ce : h as p e r son ally p u r ch ase d in su r an ce d iscr e t e n u m e r ic
V1 9 3 q 1 8 If ag w or k e r : h as p e r son ally p aid for cr op /r ain fall/liv e st ock in su r an ce d iscr e t e n u m e r ic
V1 9 4 q 1 5 b Cu r r e n t ly h as loan for h om e con st r u ct ion d iscr e t e n u m e r ic
V1 9 5 q 1 5 c Cu r r e n t ly h as loan for sch ool fe e s d iscr e t e n u m e r ic
V1 9 6 q 1 5 d Cu r r e n t ly h as loan for e m e r g e n cy /h e alt h p u r p ose s d iscr e t e n u m e r ic
V1 9 7 q 1 5 e Cu r r e n t ly h as loan for fu n e r al/w e d d in g d iscr e t e n u m e r ic
V1 9 8 q 1 5 a1 a Has u se d a m ob ile p h on e t o p ay b ills in p ast 1 2 m on t h s d iscr e t e n u m e r ic
V1 9 9 q 1 5 a1 b Has u se d a m ob ile p h on e t o se n d m on e y in p ast 1 2 m on t h s d iscr e t e n u m e r ic
V2 0 0 q 1 5 a1 c Has u se d a m ob ile p h on e t o r e ce iv e m on e y in p ast 1 2 m on t h s d iscr e t e n u m e r ic
E con om y (econ om y )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : ch ar act e r W id t h : 2 4
Valid case s: 1 0 0 0 In v alid : 0
E con om y cod e (ecn m y cod e)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : ch ar act e r W id t h : 3
Valid case s: 1 0 0 0 In v alid : 0
w g t w ei g h t (w g t )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : Con t in u ou s For m at : n u m e r ic W id t h : 1 7 D e cim als: 0
Ran g e : 0 .3 4 6 7 3 4 6 9 4 6 5 0 0 1 4 -3 .6 7 8 4 1 2 7 5 3 9 9 9 4 2
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 0 .3 Max im u m : 3 .7
Resp on d en t i s f em al e (f em al e)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -2
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
Resp on d en t ag e (ag e)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 2 D e cim als: 0 Ran g e : 1 5 -9 9
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 5 Max im u m : 8 5
Resp on d en t ed u cat i on l ev el (ed u c)
F i l e: m i cr o_A F G
O v e r v ie w
Resp on d en t ed u cat i on l ev el (ed u c)
F i l e: m i cr o_A F G
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -5
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 3
W i t h i n -econ om y i n com e q u i n t i l e (i n c_q )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -5
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 5
H as an accou n t at a f i n an ci al i n st i t i t u t i on (q 1 a)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 4
H as an accou n t at a f i n an ci al i n st i t u t i on /p ost of f i ce/M F I
(com p osi t e i n d i cat or ) (accou n t )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -3
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
I f h as accou n t : p u r p ose of accou n t (q 2 )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -5
H as a d eb i t car d (q 3 a)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
H as a cr ed i t car d (q 3 b )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
I f h as accou n t : n u m b er of m on t h l y d ep osi t s i n t o accou n t (q 4 )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -6
Valid case s: 1 4 1 In v alid : 8 5 9 Min im u m : 1 Max im u m : 6
I f h as accou n t : n u m b er of m on t h l y w i t h d r aw al s f r om accou n t (q 5 )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -6
Valid case s: 1 4 1 In v alid : 8 5 9 Min im u m : 1 Max im u m : 6
I f h as accou n t : m ost f r eq u en t m od e of cash w i t h d r aw al (q 6 )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -7
Valid case s: 1 4 1 In v alid : 8 5 9 Min im u m : 1 Max im u m : 7
I f h as accou n t : m ost f r eq u en t m od e of cash d ep osi t (q 7 )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -7
Valid case s: 1 4 1 In v alid : 8 5 9 Min im u m : 2 Max im u m : 7
I f h as accou n t : u ses ch eck s (q 8 a)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 4 1 In v alid : 8 5 9 Min im u m : 1 Max im u m : 2
I f h as accou n t : u ses el ect r on i c p ay m en t s (q 8 b )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 4 1 In v alid : 8 5 9 Min im u m : 1 Max im u m : 2
I f h as accou n t : u ses i t t o r ecei v e w or k p ay m en t s (q 9 a)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 4 1 In v alid : 8 5 9 Min im u m : 1 Max im u m : 2
I f h as accou n t : u ses i t t o r ecei v e g ov 't p ay m en t s (q 9 b )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
I f h as accou n t : u ses i t t o r ecei v e m on ey f r om f am i l y (q 9 c)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 4 1 In v alid : 8 5 9 Min im u m : 1 Max im u m : 2
I f h as accou n t : u ses i t t o sen d m on ey t o f am i l y (q 9 d )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 4 1 In v alid : 8 5 9 Min im u m : 1 Max im u m : 2
I f d oes n ot h av e accou n t : b /c t oo f ar aw ay (q 1 0 a)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 8 5 9 In v alid : 1 4 1 Min im u m : 1 Max im u m : 3
I f d oes n ot h av e accou n t : b /c t oo ex p en si v e (q 1 0 b )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 8 5 9 In v alid : 1 4 1 Min im u m : 1 Max im u m : 3
I f d oes n ot h av e accou n t : b /c l ack d ocu m en t at i on (q 1 0 c)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 8 5 9 In v alid : 1 4 1 Min im u m : 1 Max im u m : 2
I f d oes n ot h av e accou n t : b /c l ack t r u st (q 1 0 d )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 8 5 9 In v alid : 1 4 1 Min im u m : 1 Max im u m : 2
I f d oes n ot h av e accou n t : b /c l ack of m on ey (q 1 0 e)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 8 5 9 In v alid : 1 4 1 Min im u m : 1 Max im u m : 2
I f d oes n ot h av e accou n t : b /c r el i g i ou s r eason s (q 1 0 f )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 8 5 9 In v alid : 1 4 1 Min im u m : 1 Max im u m : 3
I f d oes n ot h av e accou n t : b /c f am i l y m em b er al r ead y h as on e
(q 1 0 g )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 8 5 9 In v alid : 1 4 1 Min im u m : 1 Max im u m : 3
H as sav ed m on ey i n t h e p ast 1 2 m on t h s (q 1 1 )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
I f sav ed : sav ed f or f u t u r e ex p en ses (ed u cat i on , w ed d i n g ) (q 1 2 a)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 7 3 In v alid : 8 2 7 Min im u m : 1 Max im u m : 2
I f sav ed : sav ed f or em er g en ci es (q 1 2 b )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 7 3 In v alid : 8 2 7 Min im u m : 1 Max im u m : 2
I f sav ed : sav ed at a f i n an ci al i n st i t u t i on (q 1 3 a)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 7 3 In v alid : 8 2 7 Min im u m : 1 Max im u m : 2
I f sav ed : sav ed u si n g a sav i n g s cl u b (q 1 3 b )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 7 3 In v alid : 8 2 7 Min im u m : 1 Max im u m : 2
B or r ow ed m on ey f r om f i n an ci al i n st i t u t i on i n p ast 1 2 m on t h s
(q 1 4 a)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
B or r ow ed m on ey f r om a st or e (st or e cr ed i t ) i n p ast 1 2 m on t h s
(q 1 4 b )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
B or r ow ed m on ey f r om f am i l y or f r i en d s i n p ast 1 2 m on t h s (q 1 4 c)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
B or r ow ed m on ey f r om em p l oy er i n p ast 1 2 m on t h s (q 1 4 d )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
B or r ow ed m on ey f r om an ot h er p r i v at e l en d er i n p ast 1 2 m on t h s
(q 1 4 e)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
C u r r en t l y h as l oan f or h om e p u r ch ase (q 1 5 a)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Per son al l y h as h eal t h i n su r an ce i n ad d i t i on t o n at 'l i n su r an ce (q 1 6 )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
I f h as i n su r an ce: h as p er son al l y p u r ch ased i n su r an ce (q 1 7 )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 2 In v alid : 9 9 8 Min im u m : 1 Max im u m : 1
I f ag w or k er : h as p er son al l y p ai d f or cr op /r ai n f al l /l i v est ock
i n su r an ce (q 1 8 )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 3 2 In v alid : 8 6 8 Min im u m : 1 Max im u m : 2
C u r r en t l y h as l oan f or h om e con st r u ct i on (q 1 5 b )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
C u r r en t l y h as l oan f or sch ool f ees (q 1 5 c)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
C u r r en t l y h as l oan f or em er g en cy /h eal t h p u r p oses (q 1 5 d )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
C u r r en t l y h as l oan f or f u n er al /w ed d i n g (q 1 5 e)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
H as u sed a m ob i l e p h on e t o p ay b i l l s i n p ast 1 2 m on t h s (q 1 5 a1 a)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 2 Max im u m : 2
H as u sed a m ob i l e p h on e t o sen d m on ey i n p ast 1 2 m on t h s
(q 1 5 a1 b )
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
Min im u m : 1 Max im u m : 2
H as u sed a m ob i l e p h on e t o r ecei v e m on ey i n p ast 1 2 m on t h s
(q 1 5 a1 c)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e : D iscr e t e For m at : n u m e r ic W id t h : 1 D e cim als: 0 Ran g e : 1 -4
Valid case s: 1 0 0 0 In v alid : 0
R e la t e d M a t e r ia ls
Q u e st io n n a ir e s
Gl ob al F i n d ex 2 0 1 1 Q u est i on n ai r es
Tit le Glob al Fin d e x 2 0 1 1 Qu e st ion n air e s D at e 2 0 1 1 -0 1 -0 1
File n am e h t t p ://g o.w or ld b an k .or g /5 XL9 LXK6 B0
Gl ob al F i n d ex 2 0 1 1 Q u est i on n ai r e (O t h er L an g u ag es)
Tit le Glob al Fin d e x 2 0 1 1 Qu e st ion n air e (Ot h e r Lan g u ag e s) File n am e h t t p ://g o.w or ld b an k .or g /5 XL9 LXK6 B0
T e ch n ica l d o cu m e n t s
Gl ob al F i n d ex 2 0 1 1 - Su r v ey M et h od ol og y
Tit le Glob al Fin d e x 2 0 1 1 - Su r v e y Me t h od olog y D at e 2 0 1 1 -0 1 -0 1
Lan g u ag e En g lish
File n am e h t t p ://g o.w or ld b an k .or g /IGRTPHK6 6 0
O t h e r m a t e r ia ls
M easu r i n g f i n an ci al i n cl u si on : t h e Gl ob al F i n d ex D at ab ase
Tit le Me asu r in g fin an cial in clu sion : t h e Glob al Fin d e x D at ab ase su b t it le W or ld Ban k Policy Re se ar ch w or k in g p ap e r n o. W PS 6 0 2 5 Au t h or (s) Asli D e m ir g u c-Ku n t an d Le or a Klap p e r
D at e 2 0 1 2 -0 4 -0 1 Cou n t r y W or ld Lan g u ag e En g lish
File n am e h t t p ://g o.w or ld b an k .or g /J3 T8 AZ 4 KX0
Gl ob al F i n d ex N ot es
Tit le Glob al Fin d e x Not e s
Au t h or (s) Asli D e m ir g u c-Ku n t , Le or a Klap p e r an d ot h e r s. Cou n t r y W or ld
Lan g u ag e En g lish
