ddi documentation english microdata 1117

Microd at a Lib rary

Afg h an ist an - Glob al Fin an cial In clu sion
(Glob al Fin d ex ) D at ab ase 2 0 1 1
D e v e lo p m e n t R e se a r ch Gr 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
Rep ort g en erat ed on : Ap ril 1 5 , 2 0 1 5

Visit ou r d at a cat alog at : h t t p ://m icrod at a.w orld b an k .org

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Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

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Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

Sam p l i n g
Sam p l i n g Pr oced u r e
Th e Glob al Fin d ex in d icat ors are d raw n from su rv ey d at a collect ed b y Gallu p , In c. ov er t h e 2 0 1 1 calen d ar y ear, cov erin g
m ore t h an 1 5 0 ,0 0 0 ad u lt s in 1 4 8 econ om ies an d rep resen t in g ab ou t 9 7 p ercen t of t h e w orld 's p op u lat ion . Sin ce 2 0 0 5 , Gallu p

h as su rv ey ed ad u lt s an n u ally arou n d t h e w orld , u sin g a u n iform m et h od olog y an d ran d om ly select ed , n at ion ally
rep resen t at iv e sam p les. Th e secon d rou n d of Glob al Fin d ex in d icat ors w as collect ed in 2 0 1 4 an d is fort h com in g in 2 0 1 5 . Th e
set of in d icat ors w ill b e collect ed ag ain in 2 0 1 7 .
Su rv ey s w ere con d u ct ed face-t o-face in econ om ies w h ere lan d lin e t elep h on e p en et rat ion is less t h an 8 0 p ercen t , or w h ere
face-t o-face in t erv iew in g is cu st om ary . Th e first st ag e of sam p lin g is t h e id en t ificat ion of p rim ary sam p lin g u n it s, con sist in g
of clu st ers of h ou seh old s. Th e p rim ary sam p lin g u n it s are st rat ified b y p op u lat ion size, g eog rap h y , or b ot h , an d clu st erin g is
ach iev ed t h rou g h on e or m ore st ag es of sam p lin g . W h ere p op u lat ion in form at ion is av ailab le, sam p le select ion is b ased on
p rob ab ilit ies p rop ort ion al t o p op u lat ion size; ot h erw ise, sim p le ran d om sam p lin g is u sed . Ran d om rou t e p roced u res are u sed
t o select sam p led h ou seh old s. Un less an ou t rig h t refu sal occu rs, in t erv iew ers m ak e u p t o t h ree at t em p t s t o su rv ey t h e
sam p led h ou seh old . If an in t erv iew can n ot b e ob t ain ed at t h e in it ial sam p led h ou seh old , a sim p le su b st it u t ion m et h od is
u sed . Resp on d en t s are ran d om ly select ed w it h in t h e select ed h ou seh old s b y m ean s of t h e Kish g rid .
Su rv ey s w ere con d u ct ed b y t elep h on e in econ om ies w h ere lan d lin e t elep h on e p en et rat ion is ov er 8 0 p ercen t . Th e t elep h on e
su rv ey s w ere con d u ct ed u sin g ran d om d ig it d ialin g or a n at ion ally rep resen t at iv e list of p h on e n u m b ers. In select ed
cou n t ries w h ere cell p h on e p en et rat ion is h ig h , a d u al sam p lin g fram e is u sed . Ran d om resp on d en t select ion is ach iev ed b y
u sin g eit h er t h e lat est b irt h d ay or Kish g rid m et h od . At least t h ree at t em p t s are m ad e t o t each a p erson in each h ou seh old ,
sp read ov er d ifferen t d ay s an d t im es of y ear.
Th e sam p le size in Afg h an ist an w as 1 ,0 0 0 in d iv id u als. Gen d er-m at ch ed sam p lin g w as u sed d u rin g t h e fin al st ag e of select ion .

W ei g h t i n g
D at a w eig h t in g is u sed t o en su re a n at ion ally rep resen t at iv e sam p le for each econ om y . First , b ase sam p lin g w eig h t s are

con st ru ct ed t o accou n t for ov ersam p les an d h ou seh old size. If an ov ersam p le h as b een con d u ct ed , t h e d at a are w eig h t ed t o
correct t h e d isp rop ort ion at e sam p le. W eig h t in g b y h ou seh old size (n u m b er of resid en t s ag e 1 5 an d ab ov e) is u sed t o ad ju st
for t h e p rob ab ilit y of select ion , as resid en t s in larg e h ou seh old s w ill h av e a d isp rop ort ion at ely low er p rob ab ilit y of b ein g
select ed for t h e sam p le. Secon d , p ost st rat ificat ion w eig h t s are con st ru ct ed . Pop u lat ion st at ist ics are u sed t o w eig h t t h e d at a
b y g en d er, ag e, an d , w h ere reliab le d at a are av ailab le, ed u cat ion or socioecon om ic st at u s.

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Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

Qu est i on n ai r es
O ver vi ew
Th e q u est ion n aire w as d esig n ed b y t h e W orld Ban k , in con ju n ct ion w it h a Tech n ical Ad v isory Board com p osed of lead in g
acad em ics, p ract it ion ers, an d p olicy m ak ers in t h e field of fin an cial in clu sion . Th e Bill an d Melin d a Gat es Fou n d at ion an d
Gallu p , In c. also p rov id ed v alu ab le in p u t . Th e q u est ion n aire w as p ilot ed in ov er 2 0 cou n t ries u sin g focu s g rou p s, cog n it iv e
in t erv iew s, an d field t est in g . Th e q u est ion n aire is av ailab le in 1 4 2 lan g u ag es u p on req u est .
Qu est ion s on in su ran ce, m ob ile p ay m en t s, an d loan p u rp oses w ere ask ed on ly in d ev elop in g econ om ies. Th e in d icat ors on
aw aren ess an d u se of m icrofin an ce in sit u t ion s (MFIs) are n ot in clu d ed in t h e p u b lic d at aset . How ev er, ad u lt s w h o rep ort
sav in g at an MFI are con sid ered t o h av e an accou n t ; t h is is reflect ed in t h e com p osit e accou n t in d icat or.


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Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

D at a Col l ect i on
D at a Col l ect i on D at es
St a rt
2 0 1 1 -0 4 -2 4

En d
2 0 1 1 -0 5 -0 2

Cy cle
Trien n ial

D at a Col 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 erv iew s w ere con d u ct ed in t h e follow in g lan g u ag es: D ari, Pash t o.


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Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

D at a Pr ocessi n g
No con t en t av ailab le

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Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

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 es of st an d ard errors (w h ich accou n t for sam p lin g error) v ary b y cou n t ry an d in d icat or. For cou n t ry - an d
in d icat or-sp ecific st an d ard errors, refer t o t h e An n ex an d Cou n t ry Tab le in D em irg u c-Ku n t , Asli an d L. Klap p er. 2 0 1 2 .
" Measu rin g Fin an cial In clu sion : Th e Glob al Fin d ex ." Policy Research W ork in g Pap er 6 0 2 5 , W orld Ban k , W ash in g t on , D .C.

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Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1


F ile D e scr ip t io n

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Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

V a r ia b le List

9

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

m icr o _A F G
Con t en t
Cases

1000

Variab le(s)


50

St ru ct u re

Ty p e:
Key s: ()

Version

Version 0 2 in clu d es t h e follow in g u p d at es: - Mod ificat ion of t h e " in c_q " d at a Th e m et h od olog y t o
calcu lat e w it h in -cou n t ry in com e q u in t iles ch an g ed sin ce 2 0 1 1 . In st ead of b asin g t h e w it h in -cou n t ry
in com e q u in t iles on h ou seh old in com e d at a alon e, ad d it ion al d at a on h ou seh old h ead cou n t are u sed .
Th e fin er g ran u larit y allow s a m ore p recise 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 ry in com e
q u in t iles. W eig h t s are u sed t o m ak e t h e m ap p in g n at ion ally rep resen t at iv e t o t h e in com e st ru ct u re of
t h e cou n t ry . Th e n ew m et h od w as ret roact iv ely ap p lied t o t h e 2 0 1 1 d at a. All ob serv at ion s in " in c_q " are
affect ed .

Prod u cer
Missin g D at a


V a r ia b le s
ID

Nam e

La b e l

Type

Form a t

V1 5 1

econ om y

Econ om y

d iscret e


ch aract er

V1 5 2

ecn m y cod e

Econ om y cod e

d iscret e

ch aract er

V1 5 3

wgt

w g t w eig h t

con t in


n u m eric

V1 5 4

fem ale

Resp on d en t is fem ale

d iscret e

n u m eric

V1 5 5

ag e

Resp on d en t ag e

d iscret e


n u m eric

V1 5 6

ed u c

Resp on d en t ed u cat ion lev el

d iscret e

n u m eric

V1 5 7

in c_q

W it h in -econ om y in com e q u in t ile

d iscret e


n u m eric

V1 5 8

q1a

Has an accou n t at a fin an cial in st it it u t ion

d iscret e

n u m eric

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 iscret e

n u m eric

V1 6 0

q2

If h as accou n t : p u rp ose of accou n t

d iscret e

n u m eric

V1 6 1

q3a

Has a d eb it card

d iscret e

n u m eric

V1 6 2

q3b

Has a cred it card

d iscret e

n u m eric

V1 6 3

q4

If h as accou n t : n u m b er of m on t h ly d ep osit s in t o accou n t

d iscret e

n u m eric

V1 6 4

q5

If h as accou n t : n u m b er of m on t h ly w it h d raw als from accou n t

d iscret e

n u m eric

V1 6 5

q6

If h as accou n t : m ost freq u en t m od e of cash w it h d raw al

d iscret e

n u m eric

V1 6 6

q7

If h as accou n t : m ost freq u en t m od e of cash d ep osit

d iscret e

n u m eric

V1 6 7

q8a

If h as accou n t : u ses ch eck s

d iscret e

n u m eric

V1 6 8

q8b

If h as accou n t : u ses elect ron ic p ay m en t s

d iscret e

n u m eric

V1 6 9

q9a

If h as accou n t : u ses it t o receiv e w ork p ay m en t s

d iscret e

n u m eric

V1 7 0

q9b

If h as accou n t : u ses it t o receiv e g ov 't p ay m en t s

d iscret e

n u m eric

V1 7 1

q9c

If h as accou n t : u ses it t o receiv e m on ey from fam ily

d iscret e

n u m eric

V1 7 2

q9d

If h as accou n t : u ses it t o sen d m on ey t o fam ily

d iscret e

n u m eric

V1 7 3

q10a

If d oes n ot h av e accou n t : b /c t oo far aw ay

d iscret e

n u m eric

V1 7 4

q10b

If d oes n ot h av e accou n t : b /c t oo ex p en siv e

d iscret e

n u m eric

V1 7 5

q10c

If d oes n ot h av e accou n t : b /c lack d ocu m en t at ion

d iscret e

n u m eric

Q u e st io n

10

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

ID

Nam e

La b e l

Type

Form a t

V1 7 6

q10d

If d oes n ot h av e accou n t : b /c lack t ru st

d iscret e

n u m eric

V1 7 7

q10e

If d oes n ot h av e accou n t : b /c lack of m on ey

d iscret e

n u m eric

V1 7 8

q10f

If d oes n ot h av e accou n t : b /c relig iou s reason s

d iscret e

n u m eric

V1 7 9

q10g

If d oes n ot h av e accou n t : b /c fam ily m em b er alread y h as on e

d iscret e

n u m eric

V1 8 0

q11

Has sav ed m on ey in t h e p ast 1 2 m on t h s

d iscret e

n u m eric

V1 8 1

q12a

If sav ed : sav ed for fu t u re ex p en ses (ed u cat ion , w ed d in g )

d iscret e

n u m eric

V1 8 2

q12b

If sav ed : sav ed for em erg en cies

d iscret e

n u m eric

V1 8 3

q13a

If sav ed : sav ed at a fin an cial in st it u t ion

d iscret e

n u m eric

V1 8 4

q13b

If sav ed : sav ed u sin g a sav in g s clu b

d iscret e

n u m eric

V1 8 5

q14a

Borrow ed m on ey from fin an cial in st it u t ion in p ast 1 2 m on t h s

d iscret e

n u m eric

V1 8 6

q14b

Borrow ed m on ey from a st ore (st ore cred it ) in p ast 1 2 m on t h s

d iscret e

n u m eric

V1 8 7

q14c

Borrow ed m on ey from fam ily or frien d s in p ast 1 2 m on t h s

d iscret e

n u m eric

V1 8 8

q14d

Borrow ed m on ey from em p loy er in p ast 1 2 m on t h s

d iscret e

n u m eric

V1 8 9

q14e

Borrow ed m on ey from an ot h er p riv at e len d er in p ast 1 2 m on t h s

d iscret e

n u m eric

V1 9 0

q15a

Cu rren t ly h as loan for h om e p u rch ase

d iscret e

n u m eric

V1 9 1

q16

Person ally h as h ealt h in su ran ce in ad d it ion t o n at 'l in su ran ce

d iscret e

n u m eric

V1 9 2

q17

If h as in su ran ce: h as p erson ally p u rch ased in su ran ce

d iscret e

n u m eric

V1 9 3

q18

If ag w ork er: h as p erson ally p aid for crop /rain fall/liv est ock in su ran ce

d iscret e

n u m eric

V1 9 4

q15b

Cu rren t ly h as loan for h om e con st ru ct ion

d iscret e

n u m eric

V1 9 5

q15c

Cu rren t ly h as loan for sch ool fees

d iscret e

n u m eric

V1 9 6

q15d

Cu rren t ly h as loan for em erg en cy /h ealt h p u rp oses

d iscret e

n u m eric

V1 9 7

q15e

Cu rren t ly h as loan for fu n eral/w ed d in g

d iscret e

n u m eric

V1 9 8

q 1 5 a1 a

Has u sed 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 iscret e

n u m eric

V1 9 9

q 1 5 a1 b

Has u sed a m ob ile p h on e t o sen d m on ey in p ast 1 2 m on t h s

d iscret e

n u m eric

V2 0 0

q 1 5 a1 c

Has u sed a m ob ile p h on e t o receiv e m on ey in p ast 1 2 m on t h s

d iscret e

n u m eric

Q u e st io n

11

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

12

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

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 iscret e
Form at : ch aract er
W id t h : 2 4

Valid cases: 1 0 0 0
In v alid : 0

E con om y cod e (ecn m ycod e)
F i l e: m i cr o_A F G
O v e r v ie w
Ty p e: D iscret e
Form at : ch aract er
W id t h : 3

Valid cases: 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
Form at : n u m eric
W id t h : 1 7
D ecim 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 cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -2

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 2
D ecim als: 0
Ran g e: 1 5 -9 9

Valid cases: 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 evel (ed u c)
F i l e: m i cr o_A F G
O v e r v ie w
13

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

Resp on d en t ed u cat i on l evel (ed u c)
F i l e: m i cr o_A F G
Ty p e: D iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -5

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -5

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -3

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -5

Valid cases: 1 4 1
In v alid : 8 5 9
Min im u m : 1
Max im u m : 3

14

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -6

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -6

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -7

Valid cases: 1 4 1
In v alid : 8 5 9
Min im u m : 1
Max im u m : 7

15

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -7

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 aym 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 ve w or k p aym 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 ve g ov't p aym 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 1 4 1
In v alid : 8 5 9
Min im u m : 1
Max im u m : 2

16

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

I f h as accou n t : u ses i t t o r ecei ve 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 ave 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 ave accou n t : b /c t oo exp en si ve (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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 ave 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 8 5 9
In v alid : 1 4 1
Min im u m : 1
Max im u m : 2

17

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

I f d oes n ot h ave 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 ave 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 ave 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 ave 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 8 5 9
In v alid : 1 4 1
Min im u m : 1
Max im u m : 3

H as saved 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 1 0 0 0
In v alid : 0
Min im u m : 1
Max im u m : 4

18

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

I f saved : saved f or f u t u r e exp 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 1 7 3
In v alid : 8 2 7
Min im u m : 1
Max im u m : 2

I f saved : saved 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 1 7 3
In v alid : 8 2 7
Min im u m : 1
Max im u m : 2

I f saved : saved 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 1 7 3
In v alid : 8 2 7
Min im u m : 1
Max im u m : 2

I f saved : saved u si n g a savi 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 1 0 0 0
In v alid : 0
Min im u m : 1
Max im u m : 2

19

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 oyer 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 vat 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 1 0 0 0
In v alid : 0
Min im u m : 1
Max im u m : 2

Cu 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 1 0 0 0
In v alid : 0
Min im u m : 1
Max im u m : 2

20

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 vest 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 1 3 2
In v alid : 8 6 8
Min im u m : 1
Max im u m : 2

Cu 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 1 0 0 0
In v alid : 0
Min im u m : 1
Max im u m : 2

Cu 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 1 0 0 0
In v alid : 0
Min im u m : 1
Max im u m : 2

21

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

Cu 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 1 0 0 0
In v alid : 0
Min im u m : 1
Max im u m : 2

Cu 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 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 ve 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 iscret e
Form at : n u m eric
W id t h : 1
D ecim als: 0
Ran g e: 1 -4

Valid cases: 1 0 0 0
In v alid : 0
Min im u m : 1
Max im u m : 2

22

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

23

Afg h an ist an - Glob al Fin an cial In clu sion (Glob al Fin d ex ) D at ab ase 2 0 1 1

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 Qu est i on n ai r es
Tit le

Glob al Fin d ex 2 0 1 1 Qu est ion n aires

D at e

2 0 1 1 -0 1 -0 1

Filen am e h t t p ://g o.w orld b an k .org /5 XL9 LXK6 B0

Gl ob al F i n d ex 2 0 1 1 Qu est i on n ai r e (O t h er L an g u ag es)
Tit le

Glob al Fin d ex 2 0 1 1 Qu est ion n aire (Ot h er Lan g u ag es)

Filen am e h t t p ://g o.w orld b an k .org /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 vey M et h od ol og y
Tit le

Glob al Fin d ex 2 0 1 1 - Su rv ey Met h od olog y

D at e

2 0 1 1 -0 1 -0 1

Lan g u ag e En g lish
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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

Measu rin g fin an cial in clu sion : t h e Glob al Fin d ex D at ab ase

su b t it le

W orld Ban k Policy Research w ork in g p ap er n o. W PS 6 0 2 5

Au t h or(s) Asli D em irg u c-Ku n t an d Leora Klap p er
D at e

2 0 1 2 -0 4 -0 1

Cou n t ry

W orld

Lan g u ag e En g lish
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Gl ob al F i n d ex N ot es
Tit le

Glob al Fin d ex Not es

Au t h or(s) Asli D em irg u c-Ku n t , Leora Klap p er an d ot h ers.
Cou n t ry

W orld

Lan g u ag e En g lish
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