Ghana - Global Financial Inclusion (Global Findex) Database 2011

Reference ID

GHA_2011_FINDEX_v01_M

Year

2011

Country

Ghana

Producer(s)

Development Research Group, Finance and Private Sector Development Unit - World Bank

Sponsor(s)

Development Research Group, World Bank - -
The Bill and Melinda Gates Foundation - - Financial support

Created on

Feb 13, 2013

Last modified

Dec 05, 2013

Page views

95726

Data Description

Data File: micro_GHA

Cases	1000
Variable(s)	51

Variables

Name	Label	Question
economy	Economy

ecnmycode	Economy code

wgt	weight

female	Respondent is female

age	Respondent age	Please tell me your age.

educ	Respondent education level	What is your highest completed level of education?

inc_q	Within-econonmy income quintile	What is your total monthly household income in [insert local currency], before taxes? Please include income from wages and salaries, remittances from family members living elsewhere, farming, and all other sources.

q1a	Has an account at a financial instititution	Do you, either by yourself or together with someone else, currently have an account at any of the following places? An account can be used to save money, to make or receive payments, or to receive wages and remittances. Do you currently have an account at a bank or credit union (or another financial institution, where applicable - for example, cooperatives in Latin America)

account	Has an account at a financial institution/post office/MFI (composite indicator)	Composite indicator.

q1b	Has an account at a post office	Do you, either by yourself or together with someone else, currently have an account at any of the following places? An account can be used to save money, to make or receive payments, or to receive wages and remittances. Do you currently have an account at the Post Office (for example, [insert local example])?

q2	If has account: purpose of account	Do you use your account(s) for personal transactions, business purposes, or both?

q3a	Has a debit card	A debit card [(where applicable, read:) sometimes called [insert local example(s) here - a bank card, bank book or salary card] is a card that allows you to make payments, get money, or buy things and the money is taken out of your bank account right away. Do you have a debit card?

q3b	Has a credit card	A credit card is like a debit card, but the money is not taken from your account right away. You get credit to make payments or buy things, and you can pay the balance off later. Do you have a credit card?

q4	If has account: number of monthly deposits into account	In a typical month, about how many times is money deposited into your personal account(s)? This includes cash or electronic deposits, or any time money is put into your account(s) by yourself or others (read 1-4).

q5	If has account: number of monthly withdrawals from account	In a typical month, about how many times is money taken out of your personal account(s)? This includes cash withdrawals, electronic payments or purchases, checks, or any other time money is removed from your account(s) by yourself or others (read 1-4)

q6	If has account: most frequent mode of cash withdrawal	When you need to get cash (paper or coins) from your account(s), do you usually get it (read 1-4)?

q7	If has account: most frequent mode of cash deposit	When you put cash (paper or coins) into your account(s), do you usually do it (read 1-4)?

q8a	If has account: uses checks	In the past 12 months, have you used checks to make payments on bills or to buy things using money from your account(s)?

q8b	If has account: uses electronic payments	In the past 12 months, have you used electronic payments that you make or that are made automatically (including wire transfers or payments made online) to make payments on bills or to buy things using money from your account(s)?

q9a	If has account: uses it to receive work payments	In the past 12 months, have you used your account(s) to receive money or payments for work or from selling goods?

q9b	If has account: uses it to receive gov't payments	In the past 12 months, have you used your account(s) to receive money or payments from the government?

q9c	If has account: uses it to receive money from family	In the past 12 months, have you used your account(s) to receive money from family members living elsewhere?

q9d	If has account: uses it to send money to family	In the past 12 months, have you used your account(s) to send money to family members living elsewhere?

q10a	If does not have account: b/c too far away	Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: They are too far away

q10b	If does not have account: b/c too expensive	Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: They are too expensive

q10c	If does not have account: b/c lack documentation	Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: You don't have the necessary documentation (ID, wage slip)

q10d	If does not have account: b/c lack trust	Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: You don't trust them

q10e	If does not have account: b/c lack of money	Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: You don't have enough money to use them

q10f	If does not have account: b/c religious reasons	Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: Because of religious reasons

q10g	If does not have account: b/c family member already has one	Please tell me whether each of the following is a reason why you, personally, DO NOT have an account at a bank, credit union or other financial institution: Because someone else in the family already has an account

q11	Has saved money in the past 12 months	In the past 12 months, have you saved or set aside any money?

q12a	If saved: saved for future expenses (education, wedding)	In the past 12 months, have you saved for: Expenses in the future such as education, a wedding, or a big purchase

q12b	If saved: saved for emergencies	In the past 12 months, have you saved for: Emergencies or a time when you expect to have less income

q13a	If saved: saved at a financial institution	In the past 12 months, have you saved or set aside money by using an account at a bank, credit union (or another financial institution, where applicable - for example, cooperatives in Latin America), or microfinance institution

q13b	If saved: saved using a savings club	In the past 12 months, have you saved or set aside money by using an informal savings club or a person outside the family (If necessary, provide local examples (chit fund, tontine, merry-go-round, ROSCA, burial society, etc.)

q14a	Borrowed money from financial institution in past 12 months	In the past 12 months, have you borrowed any money from a bank, credit union (or another financial institution, where applicable - for example, cooperatives in Latin America), or microfinance institution?

q14b	Borrowed money from a store (store credit) in past 12 months	In the past 12 months, have you borrowed any money from a store by using installment credit or buying on credit?

q14c	Borrowed money from family or friends in past 12 months	In the past 12 months, have you borrowed any money from family or friends?

q14d	Borrowed money from employer in past 12 months	In the past 12 months, have you borrowed any money from employer?

q14e	Borrowed money from another private lender in past 12 months	In the past 12 months, have you borrowed any money from another private lender?

q15a	Currently has loan for home purchase	Do you currently have a loan you took out for any of the following reasons? To purchase your home or apartment.

q16	Personally has health insurance in addition to nat'l insurance	Do you, personally, have health or medical insurance [(where applicable, read:) in addition to national health insurance]?

q17	If has insurance: has personally purchased insurance	Did you, personally, purchase this insurance?

q18	If ag worker: has personally paid for crop/rainfall/livestock insurance	In the past 12 months, have you personally paid for crop, rainfall, or livestock insurance?

q15b	Currently has loan for home construction	Do you currently have a loan you took out for any of the following reasons? To purchase materials or services to build, extend, or renovate your home or apartment.

q15c	Currently has loan for school fees	Do you currently have a loan you took out for any of the following reasons? To pay school fees.

q15d	Currently has loan for emergency/health purposes	Do you currently have a loan you took out for any of the following reasons? For emergency/health purposes.

q15e	Currently has loan for funeral/wedding	Do you currently have a loan you took out for any of the following reasons? For funerals or weddings.

q15a1a	Has used a mobile phone to pay bills in past 12 months	In the past 12 months, have you used a mobile phone to pay bills?

q15a1b	Has used a mobile phone to send money in past 12 months	In the past 12 months, have you used a mobile phone to send money?

q15a1c	Has used a mobile phone to receive money in past 12 months	In the past 12 months, have you used a mobile phone to receive money?