ddi documentation english microdata 2374
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 4
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 : Oct ob er 2 9 , 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 4
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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 4
Sam p l i n g
Sam p l i n g Pr oced u r e
As in t h e first ed it ion , t h e in d icat ors in t h e 2 0 1 4 Glob al Fin d ex are d raw n from su rv ey d at a cov erin g alm ost 1 5 0 ,0 0 0 p eop le
in m ore t h an 1 4 0 econ om ies-rep resen t in g m ore t h an 9 7 p ercen t of t h e w orld 's p op u lat ion . Th e su rv ey w as carried ou t ov er
t h e 2 0 1 4 calen d ar y ear b y Gallu p , In c. as p art of it s Gallu p W orld Poll, w h ich sin ce 2 0 0 5 h as con t in u ally con d u ct ed su rv ey s of
ap p rox im at ely 1 ,0 0 0 p eop le in each of m ore t h an 1 6 0 econ om ies an d in ov er 1 4 0 lan g u ag es, u sin g ran d om ly select ed ,
n at ion ally rep resen t at iv e sam p les. Th e t arg et p op u lat ion is t h e en t ire civ ilian , n on in st it u t ion alized p op u lat ion ag e 1 5 an d
ab ov e. 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 are con d u ct ed face t o face in econ om ies w h ere t elep h on e cov erag e rep resen t s less t h an 8 0 p ercen t of t h e
p op u lat ion or is t h e cu st om ary m et h od olog y . In m ost econ om ies t h e field w ork is com p let ed in t w o t o fou r w eek s. In
econ om ies w h ere face-t o-face su rv ey s are con d u ct ed , t h 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. Th ese 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 . To
in crease t h e p rob ab ilit y of con t act an d com p let ion , at t em p t s are m ad e at d ifferen t t im es of t h e d ay an d , w h ere p ossib le, on
d ifferen t d ay s. 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 . In econ om ies w h ere cu lt u ral
rest rict ion s d ict at e g en d er m at ch in g , resp on d en t s are ran d om ly select ed t h rou g h t h e Kish g rid from am on g all elig ib le ad u lt s
of t h e in t erv iew er's g en d er.
In econ om ies w h ere t elep h on e in t erv iew in g is em p loy ed , 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 is u sed . In m ost econ om ies 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 select ion
of resp on d en t s 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 reach
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 d ay .
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 . Fin al w eig h t s con sist of t h e b ase
sam p lin g w eig h t , w h ich correct s for u n eq u al p rob ab ilit y of select ion b ased on h ou seh old size, an d t h e p ost st rat ificat ion
w eig h t , w h ich correct s for sam p lin g an d n on resp on se error. Post st rat ificat ion w eig h t s u se econ om y -lev el p op u lat ion
st at ist ics on g en d er an d 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.
3
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 4
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 m u lt ip le 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 cash w it h d raw als, sav in g u sin g an in form al sav in g s clu b or p erson ou t sid e t h e fam ily , d om est ic rem it t an ces,
sch ool fees, an d ag ricu lt u ral p ay m en t s are on ly ask ed in d ev elop in g econ om ies an d few ot h er select ed cou n t ries. Th e
q u est ion on m ob ile m on ey accou n t s w as on ly ask ed in econ om ies t h at w ere p art of t h e Mob ile Mon ey for t h e Un b an k ed
(MMU) d at ab ase of t h e GSMA at t h e t im e t h e in t erv iew s w ere b ein g h eld .
4
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 4
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 4 -0 8 -1 8
En d
2 0 1 4 -0 9 -1 2
Cy cle
N/A
Ti m e Per i od s
St a rt
2 0 1 4 -0 1 -0 1
En d
2 0 1 4 -1 2 -3 1
Cy cle
N/A
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
5
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 4
D at a Pr ocessi n g
No con t en t av ailab le
6
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 4
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 -sp ecific m arg in s
of error, p lease refer t o t h e Met h od olog y sect ion an d corresp on d in g t ab le in Asli D em irg u c-Ku n t , Leora Klap p er, D orot h e
Sin g er, an d Pet er Van Ou d h eu sd en , “ Th e Glob al Fin d ex D at ab ase 2 0 1 4 : Measu rin g Fin an cial In clu sion arou n d t h e W orld .”
Policy Research W ork in g Pap er 7 2 5 5 , W orld Ban k , W ash in g t on , D .C.
7
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 4
F ile D e scr ip t io n
8
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 4
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 4
m icr o _a f g
Con t en t
Afg h an ist an m icrod at a
Cases
1000
Variab le(s)
84
St ru ct u re
Ty p e:
Key s: ()
Version
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
Q u e st io n
V1
econ om y
Econ om y
d iscret e
ch aract er
V2
econ om y cod e
Econ om y Cod e
d iscret e
ch aract er
V3
w p id _ran d om
Gallu p W orld Poll id en t ifier
con t in
n u m eric
V4
wgt
W eig h t
con t in
n u m eric
V5
fem ale
Resp on d en t is fem ale
d iscret e
n u m eric
V6
ag e
Resp on d en t ag e
d iscret e
n u m eric
Please t ell m e y ou r ag e
V7
ed u c
Resp on d en t ed u cat ion lev el
d iscret e
n u m eric
W h at is y ou r h ig h est com p let ed lev el of ed u cat ion ?
V8
in c_q
W it h in -econ om y h ou seh old
in com e q u in t ile
d iscret e
n u m eric
W h at is y ou r t ot al MONTHLY h ou seh old in com e in [ in sert
local cu rren cy ] , b efore t ax es? Please in clu d e in com e from
w ag es an d salaries, rem it t an ces from fam ily m em b ers
liv in g elsew h ere, farm in g , an d all ot h er sou rces.
V9
accou n t
Has an accou n t
d iscret e
n u m eric
Com p osit e in d icat or
V1 0
accou n t _fin
Has an accou n t at a
fin an cial in st it u t ion
d iscret e
n u m eric
Com p osit e in d icat or
V1 1
accou n t _m ob
Has a m ob ile m on ey
accou n t
d iscret e
n u m eric
Com p osit e in d icat or
V1 2
q2
Has a d eb it card
d iscret e
n u m eric
(A/An [ in sert local t erm in olog y for ATM/d eb it card ] ) is a
card con n ect ed t o an accou n t at a fin an cial in st it u t ion t h at
allow s y ou t o w it h d raw m on ey , an d t h e m on ey is t ak en ou t
of THAT ACCOUNT rig h t aw ay . D o y ou , p erson ally , h av e
(a/an [ in sert local t erm in olog y for ATM/d eb it card ] )?
V1 3
q3
If h as d eb it card : card in
ow n n am e
d iscret e
n u m eric
Is t h is [ in sert local t erm in olog y for ATM/d eb it card ]
con n ect ed t o an accou n t w it h y ou r n am e on it ?
V1 4
q4
If h as d eb it card : u sed card
in p ast 1 2 m on t h s
d iscret e
n u m eric
Hav e y ou , p erson ally , u sed y ou r [ in sert local t erm in olog y
for ATM/d eb it card ] t o D IRECTLY m ak e a p u rch ase in t h e
p ast 1 2 m on t h s?
V1 5
q5
Has a cred it card
d iscret e
n u m eric
A cred it card is a card t h at allow s y ou t o BORROW m on ey
in ord er t o m ak e p ay m en t s or b u y t h in g s, an d y ou can p ay
t h e b alan ce off lat er. Do y ou , p erson ally , h av e a cred it card ?
V1 6
q6
If h as cred it card : u sed card
in p ast 1 2 m on t h s
d iscret e
n u m eric
Hav e y ou u sed y ou r cred it card in t h e p ast 1 2 m on t h s?
V1 7
q8a
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
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se
fin an cial in st it u t ion s are t oo far aw ay .
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 4
ID
Nam e
La b e l
Type
Form a t
Q u e st io n
V1 8
q8b
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
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se
fin an cial serv ices are t oo ex p en siv e.
V1 9
q8c
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
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou
d on 't h av e t h e n ecessary d ocu m en t at ion (id en t it y card ,
w ag e slip , et c.)
V2 0
q8d
If d oes n ot h av e accou n t :
b /c lack t ru st
d iscret e
n u m eric
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou
d on 't t ru st fin an cial in st it u t ion s.
V2 1
q8e
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
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se of
relig iou s reason s.
V2 2
q8f
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
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou
d on 't h av e en ou g h m on ey t o u se fin an cial in st it u t ion s.
V2 3
q8g
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
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se
som eon e else in t h e fam ily alread y h as an accou n t .
V2 4
q8h
If d oes n ot h av e accou n t :
b /c can n ot g et on e
d iscret e
n u m eric
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou
can n ot g et an accou n t .
V2 5
q8i
If d oes n ot h av e accou n t :
b /c n o n eed for fin an cial
serv ices
d iscret e
n u m eric
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou
h av e n o n eed for fin an cial serv ices at a form al in st it u t ion .
V2 6
q9
If h as accou n t : an y d ep osit
in t o accou n t in p ast 1 2
m on t h s
d iscret e
n u m eric
In t h e p ast 1 2 m on t h s, h as m on ey b een D EPOSITED in t o
y ou r p erson al accou n t (s)? Th is in clu d es cash or elect ron ic
d ep osit s, or an y t im e m on ey is p u t in t o y ou r accou n t (s) b y
y ou rself, an em p loy er, or an ot h er p erson or in st it u t ion .
V2 7
q10
If h as an y d ep osit in t o
accou n t : n u m b er of
m on t h ly d ep osit s
d iscret e
n u m eric
In a t y p ical MONTH, ab ou t h ow m an y t im es is m on ey
D EPOSITED in t o y ou r p erson al accou n t (s): on e or t w o t im es
p er m on t h , t h ree or m ore t im es p er m on t h , or, in a t y p ical
m on t h , is m on ey NOT d ep osit ed in t o y ou r accou n t (s)?
(Read 1 -3 )
V2 8
q11
If h as accou n t : an y
w it h d raw al from accou n t in
p ast 1 2 m on t h s
d iscret e
n u m eric
In t h e p ast 1 2 m on t h s, h as m on ey b een TAKEN OUT of y ou r
p erson al accou n t (s)? Th is in clu d es cash w it h d raw als in
p erson or u sin g y ou r [ in sert local t erm in olog y for ATM/d eb it
card ] , elect ron ic p ay m en t s or p u rch ases, ch eck s, or an y
ot h er t im e m on ey is rem ov ed from y ou r accou n t (s) b y
y ou rself or an ot h er p erson or in st it u t ion .
V2 9
q12
If h as an y w it h d raw al from
accou n t : n u m b er of
m on t h ly w it h d raw als
d iscret e
n u m eric
In a t y p ical MONTH, ab ou t h ow m an y t im es is m on ey
TAKEN OUT of y ou r p erson al accou n t (s): on e or t w o t im es
p er m on t h , t h ree or m ore t im es p er m on t h , or, in a t y p ical
m on t h , is m on ey NOT t ak en ou t of y ou r accou n t (s)? (Read
1 -3 )
V3 0
q13
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
W h en y ou n eed t o GET CASH FROM y ou r accou n t (s), h ow
d o y ou USUALLY g et it ? (Read 1 -4 )
V3 1
q14
If h as accou n t : m ad e a
t ran sact ion u sin g a m ob ile
p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou ev er m ad e a t ran sact ion
w it h m on ey FROM YOUR ACCOUNT at a b an k or an ot h er
t y p e of form al fin an cial in st it u t ion u sin g a MOBILE PHONE?
Th is can in clu d e u sin g a MOBILE PHONE t o m ak e p ay m en t s,
b u y t h in g s, or t o sen d or receiv e m on ey .
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 4
ID
Nam e
La b e l
Type
Form a t
Q u e st io n
V3 2
q16
Mad e p ay m en t s on lin e
u sin g t h e In t ern et
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s on b ills or b ou g h t t h in g s on lin e u sin g t h e
In t ern et ?
V3 3
q17a
Sav ed in p ast 1 2 m on t h s:
for farm /b u sin ess p u rp oses
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , sav ed or set
asid e an y m on ey for an y of t h e follow in g reason s? How
ab ou t : To st art , op erat e, or g row a b u sin ess or farm ?
V3 4
q17b
Sav ed in p ast 1 2 m on t h s:
for old ag e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , sav ed or set
asid e an y m on ey for an y of t h e follow in g reason s? How
ab ou t : For old ag e?
V3 5
q17c
Sav ed in p ast 1 2 m on t h s:
for ed u cat ion or sch ool fees
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , sav ed or set
asid e an y m on ey for an y of t h e follow in g reason s? How
ab ou t : For ed u cat ion or sch ool fees?
V3 6
q18a
Sav ed in p ast 1 2 m on t h s:
u sin g an accou n t at a
fin an cial in st it u t ion
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , sav ed or set
asid e an y m on ey b y : Usin g an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion ?
V3 7
q18b
Sav ed in p ast 1 2 m on t h s:
u sin g an in form al sav in g s
clu b
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , sav ed or set
asid e an y m on ey b y : Usin g an in form al sav in g s clu b (lik e
[ in sert local ex am p le] ), or a p erson ou t sid e t h e fam ily ?
V3 8
q20
Has loan from a fin an cial
in st it u t ion for h ou se,
ap art m en t , or lan d
d iscret e
n u m eric
D o y ou , b y y ou rself or t og et h er w it h som eon e else,
cu rren t ly h av e a loan y ou t ook ou t from a b an k or an ot h er
t y p e of form al fin an cial in st it u t ion t o p u rch ase a h om e, an
ap art m en t , or lan d ?
V3 9
q21a
Borrow ed in p ast 1 2 m on t h s:
from a fin an cial in st it u t ion
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed an y m on ey from a b an k ,
[ in sert all fin an cial in st it u t ion s] , or an ot h er t y p e of form al
fin an cial in st it u t ion ? Th is d oes NOT in clu d e cred it card s.
V4 0
q21b
Borrow ed in p ast 1 2 m on t h s:
from a st ore (st ore cred it )
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed an y m on ey from a st ore b y
u sin g in st allm en t cred it or b u y in g on cred it ?
V4 1
q21c
Borrow ed in p ast 1 2 m on t h s:
from fam ily or frien d s
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed an y m on ey from fam ily ,
relat iv es, or frien d s?
V4 2
q21d
Borrow ed in p ast 1 2 m on t h s:
from an ot h er p riv at e len d er
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed an y m on ey from an ot h er
p riv at e len d er (for ex am p le, a/an [ in sert cou n t ry -sp ecific
ex am p les of p riv at e len d ers, i.e., loan sh ark , p ay d ay len d er,
or p aw n sh op ] )?
V4 3
q22a
Borrow ed in p ast 1 2 m on t h s:
for ed u cat ion or sch ool fees
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed m on ey for ed u cat ion or
sch ool fees?
V4 4
q22b
Borrow ed in p ast 1 2 m on t h s:
for m ed ical p u rp oses
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed m on ey for h ealt h or m ed ical
p u rp oses?
V4 5
q22c
Borrow ed in p ast 1 2 m on t h s:
for farm /b u sin ess p u rp oses
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed m on ey t o st art , op erat e, or
g row a b u sin ess or farm ?
V4 6
q24
Possib ilit y of com in g u p
w it h em erg en cy fu n d s
d iscret e
n u m eric
Now , im ag in e t h at y ou h av e an em erg en cy an d y ou n eed
t o p ay [ in sert 1 /2 0 of GNI p er cap it a in local cu rren cy ] . How
p ossib le is it t h at y ou cou ld com e u p w it h [ in sert 1 /2 0 of
GNI p er cap it a in local cu rren cy ] w it h in t h e NEXT MONTH?
Is it v ery p ossib le, som ew h at p ossib le, n ot v ery p ossib le, or
n ot at all p ossib le? (Read 1 -4 )
V4 7
q25
If ab le t o com e u p w it h
em erg en cy fu n d s: m ain
sou rce
d iscret e
n u m eric
W h at w ou ld b e t h e MAIN sou rce of m on ey t h at y ou w ou ld
u se t o com e u p w it h [ in sert 1 /2 0 of GNI p er cap it a in local
cu rren cy ] w it h in t h e NEXT MONTH? (Read 1 -6 )
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 4
ID
Nam e
La b e l
Type
Form a t
Q u e st io n
V4 8
q26
Sen t d om est ic rem it t an ces
in p ast 1 2 m on t h s
d iscret e
n u m eric
Hav e y ou , p erson ally , GIVEN or SENT an y of y ou r MONEY t o
a relat iv e or frien d liv in g in a d ifferen t area INSID E (cou n t ry
w h ere su rv ey t ak es p lace) in t h e PAST 1 2 MONTHS? Th is
can b e m on ey y ou b rou g h t y ou rself or sen t in som e ot h er
w ay .
V4 9
q27a
If sen t d om est ic
rem it t an ces: in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , GIVEN or
SENT m on ey t o a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You h an d ed cash t o t h is p erson or sen t
cash t h rou g h som eon e y ou k n ow .
V5 0
q27b
If sen t d om est ic
rem it t an ces: t h rou g h a
fin an cial in st it u t ion
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , GIVEN or
SENT m on ey t o a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You sen t m on ey t h rou g h a b an k or an ot h er
t y p e of form al fin an cial in st it u t ion (for ex am p le, at a
b ran ch , at an ATM, or t h rou g h d irect d ep osit in t o an
accou n t ).
V5 1
q27c
If sen t d om est ic
rem it t an ces: t h rou g h a
m ob ile p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , GIVEN or
SENT m on ey t o a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You sen t m on ey t h rou g h a m ob ile p h on e.
V5 2
q27d
If sen t d om est ic
rem it t an ces: t h rou g h an
MTO
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , GIVEN or
SENT m on ey t o a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You sen t m on ey t h rou g h a m on ey t ran sfer
serv ice.
V5 3
q28
Receiv ed d om est ic
rem it t an ces in p ast 1 2
m on t h s
d iscret e
n u m eric
Hav e y ou , p erson ally , RECEIVED an y MONEY from a
relat iv e or frien d liv in g in a d ifferen t area INSID E (cou n t ry
w h ere su rv ey t ak es p lace) in t h e PAST 1 2 MONTHS,
in clu d in g an y m on ey y ou receiv ed in p erson ?
V5 4
q29a
If receiv ed d om est ic
rem it t an ces: in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , RECEIVED
m on ey from a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You w ere h an d ed cash b y t h is p erson or b y
som eon e y ou k n ow .
V5 5
q29b
If receiv ed d om est ic
rem it t an ces: t h rou g h a
fin an cial in st it u t ion
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , RECEIVED
m on ey from a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You receiv ed m on ey t h rou g h a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion (for ex am p le, at
a b ran ch , at an ATM, or t h rou g h d irect d ep osit in t o an
accou n t ).
V5 6
q29c
If receiv ed d om est ic
rem it t an ces: t h rou g h a
m ob ile p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , RECEIVED
m on ey from a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You receiv ed m on ey t h rou g h a m ob ile
p h on e.
V5 7
q29d
If receiv ed d om est ic
rem it t an ces: t h rou g h an
MTO
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , RECEIVED
m on ey from a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You receiv ed m on ey t h rou g h a m on ey
t ran sfer serv ice.
V5 8
q30
Paid u t ilit y b ills in p ast 1 2
m on t h s
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
reg u lar p ay m en t s for elect ricit y , w at er, or t rash collect ion ?
V5 9
q31a
If p aid u t ilit y b ills: in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s for elect ricit y , w at er, or t rash collect ion in an y of
t h e follow in g w ay s? You m ad e a p ay m en t u sin g cash .
V6 0
q31b
If p aid u t ilit y b ills: u sin g an
accou n t
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s for elect ricit y , w at er, or t rash collect ion in an y of
t h e follow in g w ay s? You m ad e a p ay m en t d irect ly from an
accou n t (for ex am p le, u sin g (a/an [ in sert local t erm in olog y
for ATM/d eb it card ] ), a b an k t ran sfer, or a ch eck ).
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 4
ID
Nam e
La b e l
Type
Form a t
Q u e st io n
V6 1
q31c
If p aid u t ilit y b ills: t h rou g h a
m ob ile p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s for elect ricit y , w at er, or t rash collect ion in an y of
t h e follow in g w ay s? You m ad e a p ay m en t t h rou g h a m ob ile
p h on e.
V6 2
q32
Paid sch ool fees in p ast 1 2
m on t h s
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
reg u lar p ay m en t s for sch ool fees?
V6 3
q33a
If p aid sch ool fees: in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s for sch ool fees in an y of t h e follow in g w ay s? You
m ad e a p ay m en t u sin g cash .
V6 4
q33b
If p aid sch ool fees: u sin g an
accou n t
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s for sch ool fees in an y of t h e follow in g w ay s? You
m ad e a p ay m en t d irect ly from an accou n t (for ex am p le,
u sin g a d eb it card , a b an k t ran sfer, or a ch eck ).
V6 5
q33c
If p aid sch ool fees: t h rou g h
a m ob ile p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s for sch ool fees in an y of t h e follow in g w ay s? You
m ad e a p ay m en t t h rou g h a m ob ile p h on e.
V6 6
q34
Receiv ed w ag e p ay m en t s in
p ast 1 2 m on t h s
d iscret e
n u m eric
Hav e y ou receiv ed an y m on ey from an em p loy er or b oss,
in t h e form of SALARY OR W AGES, for d oin g w ork in t h e
PAST 1 2 MONTHS? Please d o n ot con sid er an y m on ey y ou
receiv ed d irect ly from clien t s or cu st om ers.
V6 7
q35
If receiv ed w ag e p ay m en t s:
w ork in p u b lic sect or
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou b een em p loy ed b y t h e
g ov ern m en t , m ilit ary , or p u b lic sect or?
V6 8
q36a
If receiv ed w ag e p ay m en t s:
in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h as an em p loy er or b oss p aid
y ou r salary or w ag es in an y of t h e follow in g w ay s? You
receiv ed p ay m en t s D IRECTLY in cash .
V6 9
q36bc
If receiv ed w ag e p ay m en t s:
in t o an accou n t or t o a card
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h as an em p loy er or b oss p aid
y ou r salary or w ag es in an y of t h e follow in g w ay s? You
receiv ed p ay m en t s D IRECTLY in t o an accou n t at a b an k or
an ot h er t y p e of fin an cial in st it u t ion or t o a card .
V7 0
q36d
If receiv ed w ag e p ay m en t s:
t h rou g h a m ob ile p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h as an em p loy er or b oss p aid
y ou r salary or w ag es in an y of t h e follow in g w ay s? You
receiv ed p ay m en t s t h rou g h a m ob ile p h on e.
V7 1
q37
If receiv ed cash less w ag e
p ay m en t s: accou n t u se
d iscret e
n u m eric
Aft er y ou r p ay m en t from an em p loy er is t ran sferred in t o an
accou n t , d o y ou u su ally w it h d raw or t ran sfer ALL OF THE
MONEY ou t of t h e accou n t RIGHT AW AY, or d o y ou
w it h d raw or t ran sfer t h e m on ey ov er t im e as y ou n eed it ?
V7 2
q38
If receiv ed cash less w ag e
p ay m en t s: accou n t t y p e
d iscret e
n u m eric
W h ich of t h e follow in g st at em en t s b est d escrib es t h e
accou n t t h at y ou u se t o receiv e p ay m en t s from an
em p loy er? (Read 1 -3 )
V7 3
q39
Receiv ed g ov ern m en t
t ran sfers in p ast 1 2 m on t h s
d iscret e
n u m eric
Hav e y ou , p erson ally , RECEIVED an y fin an cial su p p ort from
t h e g ov ern m en t in t h e PAST 1 2 MONTHS? Th is m on ey
cou ld in clu d e p ay m en t s for ed u cat ion al or m ed ical
ex p en ses, u n em p loy m en t b en efit s, su b sid y p ay m en t s, or
an y k in d of SOCIAL BENEFITS. Please d o NOT in clu d e
w ag es or an y p ay m en t s relat ed t o w ork .
V7 4
q40a
If receiv ed g ov ern m en t
t ran sfers: in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou receiv ed m on ey from
t h e g ov ern m en t in an y of t h e follow in g w ay s? You receiv ed
p ay m en t s D IRECTLY in cash .
V7 5
q40bc
If receiv ed g ov ern m en t
t ran sfers: in t o an accou n t
or t o a card
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou receiv ed m on ey from
t h e g ov ern m en t in an y of t h e follow in g w ay s? You receiv ed
p ay m en t s D IRECTLY in cash .
V7 6
q40d
If receiv ed g ov ern m en t
t ran sfers: t h rou g h a m ob ile
p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou receiv ed m on ey from
t h e g ov ern m en t in an y of t h e follow in g w ay s? You receiv ed
p ay m en t s t h rou g h a m ob ile p h on e.
V7 7
q41
If receiv ed cash less
g ov ern m en t t ran sfers:
accou n t u se
d iscret e
n u m eric
Aft er y ou r p ay m en t from t h e g ov ern m en t is t ran sferred
in t o an accou n t , d o y ou u su ally w it h d raw or t ran sfer ALL OF
THE MONEY ou t of t h e accou n t RIGHT AW AY, or d o y ou
w it h d raw or t ran sfer t h e m on ey ov er t im e as y ou n eed it ?
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 4
ID
Nam e
La b e l
Type
Form a t
Q u e st io n
V7 8
q42
If receiv ed cash less
g ov ern m en t t ran sfers:
accou n t t y p e
d iscret e
n u m eric
W h ich of t h e follow in g st at em en t s b est d escrib es t h e
accou n t t h at y ou u se t o receiv e p ay m en t s from t h e
g ov ern m en t ? (Read 1 -3 )
V7 9
q43
Receiv ed ag ricu lt u ral
p ay m en t s in p ast 1 2
m on t h s
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou p erson ally RECEIVED
m on ey from an y sou rce for t h e sale of y ou r or y ou r fam ily 's
ag ricu lt u ral p rod u ct s, crop s, p rod u ce, or liv est ock ?
V8 0
q44a
If receiv ed ag ricu lt u ral
p ay m en t s: in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou receiv ed m on ey for t h e
sale of y ou r or y ou r fam ily 's ag ricu lt u ral p rod u ct s, crop s,
p rod u ce, or liv est ock in an y of t h e follow in g w ay s? You
receiv ed p ay m en t s D IRECTLY in cash .
V8 1
q44b
If receiv ed ag ricu lt u ral
p ay m en t s: in t o an accou n t
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou receiv ed m on ey for t h e
sale of y ou r or y ou r fam ily 's ag ricu lt u ral p rod u ct s, crop s,
p rod u ce, or liv est ock in an y of t h e follow in g w ay s? You
receiv ed p ay m en t s D IRECTLY in t o an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion .
V8 2
q44c
If receiv ed ag ricu lt u ral
p ay m en t s: t h rou g h a
m ob ile p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou receiv ed m on ey for t h e
sale of y ou r or y ou r fam ily 's ag ricu lt u ral p rod u ct s, crop s,
p rod u ce, or liv est ock in an y of t h e follow in g w ay s? You
receiv ed p ay m en t s t h rou g h a m ob ile p h on e.
V8 3
sav ed
Sav ed in t h e p ast y ear
d iscret e
n u m eric
Com p osit e in d icat or
V8 4
b orrow ed
Borrow ed in t h e p ast y ear
d iscret e
n u m eric
Com p osit e in d icat or
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 4
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 4
E con om y (econ om y)
F i l e: m i cr o_af g
O v e r v ie w
Ty p e: D iscret e
Form at : ch aract er
W id t h : 1 1
Valid cases: 1 0 0 0
In v alid : 0
E con om y Cod e (econ om ycod e)
F i l e: m i cr o_af 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
Gal l u p W or l d Pol l i d en t i f i er (w p i d _r an d om )
F i l e: m i cr o_af 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 : 9
D ecim als: 0
Ran g e: 1 1 1 1 8 3 5 6 7 -2 1 0 9 7 9 5 8 0
Valid cases: 1 0 0 0
In v alid : 0
Min im u m : 1 1 1 1 8 3 5 6 7
Max im u m : 2 1 0 9 7 9 5 8 0
W ei g h t (w g t )
F i l e: m i cr o_af 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 3 1 5 2 0 7 7 7 9 4 9 3 2 5 -3 .2 8 3 0 4 0 7 3 7 3 9 5 4 5
Valid cases: 1 0 0 0
In v alid : 0
Min im u m : 0 .3
Max im u m : 3 .3
I n t e r v ie w e r in st r u ct io n s
In t erv iew er cod ed
Resp on d en t i s f em al e (f em al e)
F i l e: m i cr o_af 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
I n t e r v ie w e r in st r u ct io n s
In t erv iew er cod ed
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 4
Resp on d en t ag e (ag e)
F i l e: m i cr o_af 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 6
Lit e r a l q u e st io n
Please t ell m e y ou r ag e
Resp on d en t ed u cat i on l evel (ed u c)
F i l e: m i cr o_af 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 : 3
Lit e r a l q u e st io n
W h at is y ou r h ig h est com p let ed lev el of ed u cat ion ?
W i t h i n -econ om y h ou seh ol d i n com e q u i n t i l e (i n c_q )
F i l e: m i cr o_af 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
Lit e r a l q u e st io n
W h at is y ou r t ot al MONTHLY h ou seh old in com e in [ in sert local cu rren cy ] , b efore t ax es? Please in clu d e in com e from w ag es
an d salaries, rem it t an ces from fam ily m em b ers liv in g elsew h ere, farm in g , an d all ot h er sou rces.
P o st q u e st io n
[ In d icat ors are con st ru ct ed on in form at ion resu lt in g from t h is q u est ion ]
H as an accou n t (accou n t )
F i l e: m i cr o_af 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
Lit e r a l q u e st io n
Com p osit e in d icat or
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 4
H as an accou n t at a f i n an ci al i n st i t u t i on (accou n t _f i n )
F i l e: m i cr o_af 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
Lit e r a l q u e st io n
Com p osit e in d icat or
H as a m ob i l e m on ey accou n t (accou n t _m ob )
F i l e: m i cr o_af 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
Lit e r a l q u e st io n
Com p osit e in d icat or
H as a d eb i t car d (q 2 )
F i l e: m i cr o_af 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 : 3
Lit e r a l q u e st io n
(A/An [ in sert local t erm in olog y for ATM/d eb it card ] ) is a card con n ect ed t o an accou n t at a fin an cial in st it u t ion t h at allow s
y ou t o w it h d raw m on ey , an d t h e m on ey is t ak en ou t of THAT ACCOUNT rig h t aw ay . D o y ou , p erson ally , h av e (a/an [ in sert
local t erm in olog y for ATM/d eb it card ] )?
I f h as d eb i t car d : car d i n ow n n am e (q 3 )
F i l e: m i cr o_af 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
In v alid : 9 8 3
Min im u m : 1
Max im u m : 1
Lit e r a l q u e st io n
Is t h is [ in sert local t erm in olog y for ATM/d eb it card ] con n ect ed t o an accou n t w it h y ou r n am e on it ?
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h a d eb it card .
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 4
I f h as d eb i t car d : u sed car d i n p ast 1 2 m on t h s (q 4 )
F i l e: m i cr o_af 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
In v alid : 9 8 3
Min im u m : 1
Max im u m : 1
Lit e r a l q u e st io n
Hav e y ou , p erson ally , u sed y ou r [ in sert local t erm in olog y for ATM/d eb it card ] t o D IRECTLY m ak e a p u rch ase in t h e p ast 1 2
m on t h s?
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h a d eb it card .
H as a cr ed i t car d (q 5 )
F i l e: m i cr o_af 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 : 3
Lit e r a l q u e st io n
A cred it card is a card t h at allow s y ou t o BORROW m on ey in ord er t o m ak e p ay m en t s or b u y t h in g s, an d y ou can p ay t h e
b alan ce off lat er. D o y ou , p erson ally , h av e a cred it card ?
I f h as cr ed i t car d : u sed car d i n p ast 1 2 m on t h s (q 6 )
F i l e: m i cr o_af 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
In v alid : 9 8 6
Min im u m : 1
Max im u m : 2
Lit e r a l q u e st io n
Hav e y ou u sed y ou r cred it card in t h e p ast 1 2 m on t h s?
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h a cred it card .
I f d oes n ot h ave accou n t : b /c t oo f ar aw ay (q 8 a)
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
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 4
I f d oes n ot h ave accou n t : b /c t oo f ar aw ay (q 8 a)
F i l e: m i cr o_af g
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se fin an cial in st it u t ion s are t oo far aw ay .
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f d oes n ot h ave accou n t : b /c t oo exp en si ve (q 8 b )
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se fin an cial serv ices are t oo ex p en siv e.
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f d oes n ot h ave accou n t : b /c l ack d ocu m en t at i on (q 8 c)
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou d on 't h av e t h e n ecessary d ocu m en t at ion (id en t it y card , w ag e slip ,
et c.)
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f d oes n ot h ave accou n t : b /c l ack t r u st (q 8 d )
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou d on 't t ru st fin an cial in st it u t ion s.
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
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 4
I f d oes n ot h ave accou n t : b /c r el i g i ou s r eason s (q 8 e)
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se of relig iou s reason s.
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f d oes n ot h ave accou n t : b /c l ack of m on ey (q 8 f )
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou d on 't h av e en ou g h m on ey t o u se fin an cial in st it u t ion s.
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
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 8 g )
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se som eon e else in t h e fam ily alread y h as an accou n t .
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f d oes n ot h ave accou n t : b /c can n ot g et on e (q 8 h )
F i l e: m i cr o_af g
O v e r v ie w
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 4
I f d oes n ot h ave accou n t : b /c can n ot g et on e (q 8 h )
F i l e: m i cr o_af 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 -4
Valid cases: 8 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou can n ot g et an accou n t .
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f d oes n ot h ave accou n t : b /c n o n eed f or f i n an ci al ser vi ces (q 8 i )
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou h av e n o n eed for fin an cial serv ices at a form al in st it u t ion .
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f h as accou n t : an y d ep osi t i n t o accou n t i n p ast 1 2 m on t h s (q 9 )
F i l e: m i cr o_af 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 1 0
In v alid : 8 9 0
Min im u m : 1
Max im u m : 2
Lit e r a l q u e st io n
In t h e p ast 1 2 m on t h s, h as m on ey b een D EPOSITED in t o y ou r p erson al accou n t (s)? Th is in clu d es cash or elect ron ic d ep osit s,
or an y t im e m on ey is p u t in t o y ou r accou n t (s) b y y ou rself, an em p loy er, or an ot h er p erson or in st it u t ion .
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h an accou n t .
I f h as an y d ep osi t i n t o accou n t : n u m b er of m on t h l y d ep osi t s (q 1 0 )
F i l e: m i cr o_af 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: 5 3
In v alid : 9 4 7
Min im u m : 1
Max im u m : 3
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 4
I f h as an y d ep osi t i n t o accou n t : n u m b er of m on t h l y d ep osi t s (q 1 0 )
F i l e: m i cr o_af g
Lit e r a l q u e st io n
In a t y p ical MONTH, ab ou t h ow m an y t im es is m on ey D EPOSITED in t o y ou r p erson al accou n t (s): on e or t w o t im es p er m on t h ,
t h ree or m ore t im es p er m on t h , or, in a t y p ical m on t h , is m on ey NOT d ep osit ed in t o y ou r accou n t (s)? (Read 1 -3 )
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h an y d ep osit .
I f h as accou n t : an y w i t h d r aw al f r om accou n t i n p ast 1 2 m on t h s
(q 1 1 )
F i l e: m i cr o_af 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 1 0
In v alid : 8 9 0
Min im u m : 1
Max im u m : 2
Lit e r a l q u e st io n
In t h e p ast 1 2 m on t h s, h as m on ey b een TAKEN OUT of y ou r p erson al accou n t (s)? Th is in clu d es cash w it h d raw als in p erson
or u sin g y ou r [ in sert local t erm in olog y for ATM/d eb it card ] , elect ron ic p ay m en t s or p u rch ases, ch eck s, or an y ot h er t im e
m on ey is rem ov ed from y ou r accou n t (s) b y y ou rself or an ot h er p erson or in st it u t ion .
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h an accou n t .
I f h as an y w i t h d r aw al f r om accou n t : n u m b er of m on t h l y
w i t h d r aw al s (q 1 2 )
F i l e: m i cr o_af 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: 5 6
In v alid : 9 4 4
Min im u m : 1
Max im u m : 3
Lit e r a l q u e st io n
In a t y p ical MONTH, ab ou t h ow m an y t im es is m on ey TAKEN OUT of y ou r p erson al accou n t (s): on e or t w o t im es p er m on t h ,
t h ree or m ore t im es p er m on t h , or, in a t y p ical m on t h , is m on ey NOT t ak en ou t of y ou r accou n t (s)? (Read 1 -3 )
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h an y w it h d raw al.
I f h as accou n t : m ost f r e
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 4
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 : Oct ob er 2 9 , 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 /
1
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 4
2
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 4
Sam p l i n g
Sam p l i n g Pr oced u r e
As in t h e first ed it ion , t h e in d icat ors in t h e 2 0 1 4 Glob al Fin d ex are d raw n from su rv ey d at a cov erin g alm ost 1 5 0 ,0 0 0 p eop le
in m ore t h an 1 4 0 econ om ies-rep resen t in g m ore t h an 9 7 p ercen t of t h e w orld 's p op u lat ion . Th e su rv ey w as carried ou t ov er
t h e 2 0 1 4 calen d ar y ear b y Gallu p , In c. as p art of it s Gallu p W orld Poll, w h ich sin ce 2 0 0 5 h as con t in u ally con d u ct ed su rv ey s of
ap p rox im at ely 1 ,0 0 0 p eop le in each of m ore t h an 1 6 0 econ om ies an d in ov er 1 4 0 lan g u ag es, u sin g ran d om ly select ed ,
n at ion ally rep resen t at iv e sam p les. Th e t arg et p op u lat ion is t h e en t ire civ ilian , n on in st it u t ion alized p op u lat ion ag e 1 5 an d
ab ov e. 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 are con d u ct ed face t o face in econ om ies w h ere t elep h on e cov erag e rep resen t s less t h an 8 0 p ercen t of t h e
p op u lat ion or is t h e cu st om ary m et h od olog y . In m ost econ om ies t h e field w ork is com p let ed in t w o t o fou r w eek s. In
econ om ies w h ere face-t o-face su rv ey s are con d u ct ed , t h 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. Th ese 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 . To
in crease t h e p rob ab ilit y of con t act an d com p let ion , at t em p t s are m ad e at d ifferen t t im es of t h e d ay an d , w h ere p ossib le, on
d ifferen t d ay s. 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 . In econ om ies w h ere cu lt u ral
rest rict ion s d ict at e g en d er m at ch in g , resp on d en t s are ran d om ly select ed t h rou g h t h e Kish g rid from am on g all elig ib le ad u lt s
of t h e in t erv iew er's g en d er.
In econ om ies w h ere t elep h on e in t erv iew in g is em p loy ed , 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 is u sed . In m ost econ om ies 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 select ion
of resp on d en t s 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 reach
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 d ay .
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 . Fin al w eig h t s con sist of t h e b ase
sam p lin g w eig h t , w h ich correct s for u n eq u al p rob ab ilit y of select ion b ased on h ou seh old size, an d t h e p ost st rat ificat ion
w eig h t , w h ich correct s for sam p lin g an d n on resp on se error. Post st rat ificat ion w eig h t s u se econ om y -lev el p op u lat ion
st at ist ics on g en d er an d 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.
3
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 4
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 m u lt ip le 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 cash w it h d raw als, sav in g u sin g an in form al sav in g s clu b or p erson ou t sid e t h e fam ily , d om est ic rem it t an ces,
sch ool fees, an d ag ricu lt u ral p ay m en t s are on ly ask ed in d ev elop in g econ om ies an d few ot h er select ed cou n t ries. Th e
q u est ion on m ob ile m on ey accou n t s w as on ly ask ed in econ om ies t h at w ere p art of t h e Mob ile Mon ey for t h e Un b an k ed
(MMU) d at ab ase of t h e GSMA at t h e t im e t h e in t erv iew s w ere b ein g h eld .
4
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 4
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 4 -0 8 -1 8
En d
2 0 1 4 -0 9 -1 2
Cy cle
N/A
Ti m e Per i od s
St a rt
2 0 1 4 -0 1 -0 1
En d
2 0 1 4 -1 2 -3 1
Cy cle
N/A
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
5
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 4
D at a Pr ocessi n g
No con t en t av ailab le
6
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 4
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 -sp ecific m arg in s
of error, p lease refer t o t h e Met h od olog y sect ion an d corresp on d in g t ab le in Asli D em irg u c-Ku n t , Leora Klap p er, D orot h e
Sin g er, an d Pet er Van Ou d h eu sd en , “ Th e Glob al Fin d ex D at ab ase 2 0 1 4 : Measu rin g Fin an cial In clu sion arou n d t h e W orld .”
Policy Research W ork in g Pap er 7 2 5 5 , W orld Ban k , W ash in g t on , D .C.
7
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 4
F ile D e scr ip t io n
8
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 4
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 4
m icr o _a f g
Con t en t
Afg h an ist an m icrod at a
Cases
1000
Variab le(s)
84
St ru ct u re
Ty p e:
Key s: ()
Version
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
Q u e st io n
V1
econ om y
Econ om y
d iscret e
ch aract er
V2
econ om y cod e
Econ om y Cod e
d iscret e
ch aract er
V3
w p id _ran d om
Gallu p W orld Poll id en t ifier
con t in
n u m eric
V4
wgt
W eig h t
con t in
n u m eric
V5
fem ale
Resp on d en t is fem ale
d iscret e
n u m eric
V6
ag e
Resp on d en t ag e
d iscret e
n u m eric
Please t ell m e y ou r ag e
V7
ed u c
Resp on d en t ed u cat ion lev el
d iscret e
n u m eric
W h at is y ou r h ig h est com p let ed lev el of ed u cat ion ?
V8
in c_q
W it h in -econ om y h ou seh old
in com e q u in t ile
d iscret e
n u m eric
W h at is y ou r t ot al MONTHLY h ou seh old in com e in [ in sert
local cu rren cy ] , b efore t ax es? Please in clu d e in com e from
w ag es an d salaries, rem it t an ces from fam ily m em b ers
liv in g elsew h ere, farm in g , an d all ot h er sou rces.
V9
accou n t
Has an accou n t
d iscret e
n u m eric
Com p osit e in d icat or
V1 0
accou n t _fin
Has an accou n t at a
fin an cial in st it u t ion
d iscret e
n u m eric
Com p osit e in d icat or
V1 1
accou n t _m ob
Has a m ob ile m on ey
accou n t
d iscret e
n u m eric
Com p osit e in d icat or
V1 2
q2
Has a d eb it card
d iscret e
n u m eric
(A/An [ in sert local t erm in olog y for ATM/d eb it card ] ) is a
card con n ect ed t o an accou n t at a fin an cial in st it u t ion t h at
allow s y ou t o w it h d raw m on ey , an d t h e m on ey is t ak en ou t
of THAT ACCOUNT rig h t aw ay . D o y ou , p erson ally , h av e
(a/an [ in sert local t erm in olog y for ATM/d eb it card ] )?
V1 3
q3
If h as d eb it card : card in
ow n n am e
d iscret e
n u m eric
Is t h is [ in sert local t erm in olog y for ATM/d eb it card ]
con n ect ed t o an accou n t w it h y ou r n am e on it ?
V1 4
q4
If h as d eb it card : u sed card
in p ast 1 2 m on t h s
d iscret e
n u m eric
Hav e y ou , p erson ally , u sed y ou r [ in sert local t erm in olog y
for ATM/d eb it card ] t o D IRECTLY m ak e a p u rch ase in t h e
p ast 1 2 m on t h s?
V1 5
q5
Has a cred it card
d iscret e
n u m eric
A cred it card is a card t h at allow s y ou t o BORROW m on ey
in ord er t o m ak e p ay m en t s or b u y t h in g s, an d y ou can p ay
t h e b alan ce off lat er. Do y ou , p erson ally , h av e a cred it card ?
V1 6
q6
If h as cred it card : u sed card
in p ast 1 2 m on t h s
d iscret e
n u m eric
Hav e y ou u sed y ou r cred it card in t h e p ast 1 2 m on t h s?
V1 7
q8a
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
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se
fin an cial in st it u t ion s are t oo far aw ay .
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 4
ID
Nam e
La b e l
Type
Form a t
Q u e st io n
V1 8
q8b
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
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se
fin an cial serv ices are t oo ex p en siv e.
V1 9
q8c
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
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou
d on 't h av e t h e n ecessary d ocu m en t at ion (id en t it y card ,
w ag e slip , et c.)
V2 0
q8d
If d oes n ot h av e accou n t :
b /c lack t ru st
d iscret e
n u m eric
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou
d on 't t ru st fin an cial in st it u t ion s.
V2 1
q8e
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
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se of
relig iou s reason s.
V2 2
q8f
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
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou
d on 't h av e en ou g h m on ey t o u se fin an cial in st it u t ion s.
V2 3
q8g
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
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se
som eon e else in t h e fam ily alread y h as an accou n t .
V2 4
q8h
If d oes n ot h av e accou n t :
b /c can n ot g et on e
d iscret e
n u m eric
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou
can n ot g et an accou n t .
V2 5
q8i
If d oes n ot h av e accou n t :
b /c n o n eed for fin an cial
serv ices
d iscret e
n u m eric
Please t ell m e w h et h er each of t h e follow in g is A REASON
w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou
h av e n o n eed for fin an cial serv ices at a form al in st it u t ion .
V2 6
q9
If h as accou n t : an y d ep osit
in t o accou n t in p ast 1 2
m on t h s
d iscret e
n u m eric
In t h e p ast 1 2 m on t h s, h as m on ey b een D EPOSITED in t o
y ou r p erson al accou n t (s)? Th is in clu d es cash or elect ron ic
d ep osit s, or an y t im e m on ey is p u t in t o y ou r accou n t (s) b y
y ou rself, an em p loy er, or an ot h er p erson or in st it u t ion .
V2 7
q10
If h as an y d ep osit in t o
accou n t : n u m b er of
m on t h ly d ep osit s
d iscret e
n u m eric
In a t y p ical MONTH, ab ou t h ow m an y t im es is m on ey
D EPOSITED in t o y ou r p erson al accou n t (s): on e or t w o t im es
p er m on t h , t h ree or m ore t im es p er m on t h , or, in a t y p ical
m on t h , is m on ey NOT d ep osit ed in t o y ou r accou n t (s)?
(Read 1 -3 )
V2 8
q11
If h as accou n t : an y
w it h d raw al from accou n t in
p ast 1 2 m on t h s
d iscret e
n u m eric
In t h e p ast 1 2 m on t h s, h as m on ey b een TAKEN OUT of y ou r
p erson al accou n t (s)? Th is in clu d es cash w it h d raw als in
p erson or u sin g y ou r [ in sert local t erm in olog y for ATM/d eb it
card ] , elect ron ic p ay m en t s or p u rch ases, ch eck s, or an y
ot h er t im e m on ey is rem ov ed from y ou r accou n t (s) b y
y ou rself or an ot h er p erson or in st it u t ion .
V2 9
q12
If h as an y w it h d raw al from
accou n t : n u m b er of
m on t h ly w it h d raw als
d iscret e
n u m eric
In a t y p ical MONTH, ab ou t h ow m an y t im es is m on ey
TAKEN OUT of y ou r p erson al accou n t (s): on e or t w o t im es
p er m on t h , t h ree or m ore t im es p er m on t h , or, in a t y p ical
m on t h , is m on ey NOT t ak en ou t of y ou r accou n t (s)? (Read
1 -3 )
V3 0
q13
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
W h en y ou n eed t o GET CASH FROM y ou r accou n t (s), h ow
d o y ou USUALLY g et it ? (Read 1 -4 )
V3 1
q14
If h as accou n t : m ad e a
t ran sact ion u sin g a m ob ile
p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou ev er m ad e a t ran sact ion
w it h m on ey FROM YOUR ACCOUNT at a b an k or an ot h er
t y p e of form al fin an cial in st it u t ion u sin g a MOBILE PHONE?
Th is can in clu d e u sin g a MOBILE PHONE t o m ak e p ay m en t s,
b u y t h in g s, or t o sen d or receiv e m on ey .
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 4
ID
Nam e
La b e l
Type
Form a t
Q u e st io n
V3 2
q16
Mad e p ay m en t s on lin e
u sin g t h e In t ern et
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s on b ills or b ou g h t t h in g s on lin e u sin g t h e
In t ern et ?
V3 3
q17a
Sav ed in p ast 1 2 m on t h s:
for farm /b u sin ess p u rp oses
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , sav ed or set
asid e an y m on ey for an y of t h e follow in g reason s? How
ab ou t : To st art , op erat e, or g row a b u sin ess or farm ?
V3 4
q17b
Sav ed in p ast 1 2 m on t h s:
for old ag e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , sav ed or set
asid e an y m on ey for an y of t h e follow in g reason s? How
ab ou t : For old ag e?
V3 5
q17c
Sav ed in p ast 1 2 m on t h s:
for ed u cat ion or sch ool fees
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , sav ed or set
asid e an y m on ey for an y of t h e follow in g reason s? How
ab ou t : For ed u cat ion or sch ool fees?
V3 6
q18a
Sav ed in p ast 1 2 m on t h s:
u sin g an accou n t at a
fin an cial in st it u t ion
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , sav ed or set
asid e an y m on ey b y : Usin g an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion ?
V3 7
q18b
Sav ed in p ast 1 2 m on t h s:
u sin g an in form al sav in g s
clu b
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , sav ed or set
asid e an y m on ey b y : Usin g an in form al sav in g s clu b (lik e
[ in sert local ex am p le] ), or a p erson ou t sid e t h e fam ily ?
V3 8
q20
Has loan from a fin an cial
in st it u t ion for h ou se,
ap art m en t , or lan d
d iscret e
n u m eric
D o y ou , b y y ou rself or t og et h er w it h som eon e else,
cu rren t ly h av e a loan y ou t ook ou t from a b an k or an ot h er
t y p e of form al fin an cial in st it u t ion t o p u rch ase a h om e, an
ap art m en t , or lan d ?
V3 9
q21a
Borrow ed in p ast 1 2 m on t h s:
from a fin an cial in st it u t ion
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed an y m on ey from a b an k ,
[ in sert all fin an cial in st it u t ion s] , or an ot h er t y p e of form al
fin an cial in st it u t ion ? Th is d oes NOT in clu d e cred it card s.
V4 0
q21b
Borrow ed in p ast 1 2 m on t h s:
from a st ore (st ore cred it )
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed an y m on ey from a st ore b y
u sin g in st allm en t cred it or b u y in g on cred it ?
V4 1
q21c
Borrow ed in p ast 1 2 m on t h s:
from fam ily or frien d s
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed an y m on ey from fam ily ,
relat iv es, or frien d s?
V4 2
q21d
Borrow ed in p ast 1 2 m on t h s:
from an ot h er p riv at e len d er
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed an y m on ey from an ot h er
p riv at e len d er (for ex am p le, a/an [ in sert cou n t ry -sp ecific
ex am p les of p riv at e len d ers, i.e., loan sh ark , p ay d ay len d er,
or p aw n sh op ] )?
V4 3
q22a
Borrow ed in p ast 1 2 m on t h s:
for ed u cat ion or sch ool fees
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed m on ey for ed u cat ion or
sch ool fees?
V4 4
q22b
Borrow ed in p ast 1 2 m on t h s:
for m ed ical p u rp oses
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed m on ey for h ealt h or m ed ical
p u rp oses?
V4 5
q22c
Borrow ed in p ast 1 2 m on t h s:
for farm /b u sin ess p u rp oses
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , b y y ou rself or t og et h er
w it h som eon e else, b orrow ed m on ey t o st art , op erat e, or
g row a b u sin ess or farm ?
V4 6
q24
Possib ilit y of com in g u p
w it h em erg en cy fu n d s
d iscret e
n u m eric
Now , im ag in e t h at y ou h av e an em erg en cy an d y ou n eed
t o p ay [ in sert 1 /2 0 of GNI p er cap it a in local cu rren cy ] . How
p ossib le is it t h at y ou cou ld com e u p w it h [ in sert 1 /2 0 of
GNI p er cap it a in local cu rren cy ] w it h in t h e NEXT MONTH?
Is it v ery p ossib le, som ew h at p ossib le, n ot v ery p ossib le, or
n ot at all p ossib le? (Read 1 -4 )
V4 7
q25
If ab le t o com e u p w it h
em erg en cy fu n d s: m ain
sou rce
d iscret e
n u m eric
W h at w ou ld b e t h e MAIN sou rce of m on ey t h at y ou w ou ld
u se t o com e u p w it h [ in sert 1 /2 0 of GNI p er cap it a in local
cu rren cy ] w it h in t h e NEXT MONTH? (Read 1 -6 )
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 4
ID
Nam e
La b e l
Type
Form a t
Q u e st io n
V4 8
q26
Sen t d om est ic rem it t an ces
in p ast 1 2 m on t h s
d iscret e
n u m eric
Hav e y ou , p erson ally , GIVEN or SENT an y of y ou r MONEY t o
a relat iv e or frien d liv in g in a d ifferen t area INSID E (cou n t ry
w h ere su rv ey t ak es p lace) in t h e PAST 1 2 MONTHS? Th is
can b e m on ey y ou b rou g h t y ou rself or sen t in som e ot h er
w ay .
V4 9
q27a
If sen t d om est ic
rem it t an ces: in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , GIVEN or
SENT m on ey t o a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You h an d ed cash t o t h is p erson or sen t
cash t h rou g h som eon e y ou k n ow .
V5 0
q27b
If sen t d om est ic
rem it t an ces: t h rou g h a
fin an cial in st it u t ion
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , GIVEN or
SENT m on ey t o a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You sen t m on ey t h rou g h a b an k or an ot h er
t y p e of form al fin an cial in st it u t ion (for ex am p le, at a
b ran ch , at an ATM, or t h rou g h d irect d ep osit in t o an
accou n t ).
V5 1
q27c
If sen t d om est ic
rem it t an ces: t h rou g h a
m ob ile p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , GIVEN or
SENT m on ey t o a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You sen t m on ey t h rou g h a m ob ile p h on e.
V5 2
q27d
If sen t d om est ic
rem it t an ces: t h rou g h an
MTO
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , GIVEN or
SENT m on ey t o a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You sen t m on ey t h rou g h a m on ey t ran sfer
serv ice.
V5 3
q28
Receiv ed d om est ic
rem it t an ces in p ast 1 2
m on t h s
d iscret e
n u m eric
Hav e y ou , p erson ally , RECEIVED an y MONEY from a
relat iv e or frien d liv in g in a d ifferen t area INSID E (cou n t ry
w h ere su rv ey t ak es p lace) in t h e PAST 1 2 MONTHS,
in clu d in g an y m on ey y ou receiv ed in p erson ?
V5 4
q29a
If receiv ed d om est ic
rem it t an ces: in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , RECEIVED
m on ey from a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You w ere h an d ed cash b y t h is p erson or b y
som eon e y ou k n ow .
V5 5
q29b
If receiv ed d om est ic
rem it t an ces: t h rou g h a
fin an cial in st it u t ion
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , RECEIVED
m on ey from a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You receiv ed m on ey t h rou g h a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion (for ex am p le, at
a b ran ch , at an ATM, or t h rou g h d irect d ep osit in t o an
accou n t ).
V5 6
q29c
If receiv ed d om est ic
rem it t an ces: t h rou g h a
m ob ile p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , RECEIVED
m on ey from a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You receiv ed m on ey t h rou g h a m ob ile
p h on e.
V5 7
q29d
If receiv ed d om est ic
rem it t an ces: t h rou g h an
MTO
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , RECEIVED
m on ey from a relat iv e or frien d liv in g in a d ifferen t area
in sid e (cou n t ry w h ere su rv ey t ak es p lace) in an y of t h e
follow in g w ay s? You receiv ed m on ey t h rou g h a m on ey
t ran sfer serv ice.
V5 8
q30
Paid u t ilit y b ills in p ast 1 2
m on t h s
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
reg u lar p ay m en t s for elect ricit y , w at er, or t rash collect ion ?
V5 9
q31a
If p aid u t ilit y b ills: in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s for elect ricit y , w at er, or t rash collect ion in an y of
t h e follow in g w ay s? You m ad e a p ay m en t u sin g cash .
V6 0
q31b
If p aid u t ilit y b ills: u sin g an
accou n t
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s for elect ricit y , w at er, or t rash collect ion in an y of
t h e follow in g w ay s? You m ad e a p ay m en t d irect ly from an
accou n t (for ex am p le, u sin g (a/an [ in sert local t erm in olog y
for ATM/d eb it card ] ), a b an k t ran sfer, or a ch eck ).
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 4
ID
Nam e
La b e l
Type
Form a t
Q u e st io n
V6 1
q31c
If p aid u t ilit y b ills: t h rou g h a
m ob ile p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s for elect ricit y , w at er, or t rash collect ion in an y of
t h e follow in g w ay s? You m ad e a p ay m en t t h rou g h a m ob ile
p h on e.
V6 2
q32
Paid sch ool fees in p ast 1 2
m on t h s
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
reg u lar p ay m en t s for sch ool fees?
V6 3
q33a
If p aid sch ool fees: in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s for sch ool fees in an y of t h e follow in g w ay s? You
m ad e a p ay m en t u sin g cash .
V6 4
q33b
If p aid sch ool fees: u sin g an
accou n t
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s for sch ool fees in an y of t h e follow in g w ay s? You
m ad e a p ay m en t d irect ly from an accou n t (for ex am p le,
u sin g a d eb it card , a b an k t ran sfer, or a ch eck ).
V6 5
q33c
If p aid sch ool fees: t h rou g h
a m ob ile p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou , p erson ally , m ad e
p ay m en t s for sch ool fees in an y of t h e follow in g w ay s? You
m ad e a p ay m en t t h rou g h a m ob ile p h on e.
V6 6
q34
Receiv ed w ag e p ay m en t s in
p ast 1 2 m on t h s
d iscret e
n u m eric
Hav e y ou receiv ed an y m on ey from an em p loy er or b oss,
in t h e form of SALARY OR W AGES, for d oin g w ork in t h e
PAST 1 2 MONTHS? Please d o n ot con sid er an y m on ey y ou
receiv ed d irect ly from clien t s or cu st om ers.
V6 7
q35
If receiv ed w ag e p ay m en t s:
w ork in p u b lic sect or
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou b een em p loy ed b y t h e
g ov ern m en t , m ilit ary , or p u b lic sect or?
V6 8
q36a
If receiv ed w ag e p ay m en t s:
in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h as an em p loy er or b oss p aid
y ou r salary or w ag es in an y of t h e follow in g w ay s? You
receiv ed p ay m en t s D IRECTLY in cash .
V6 9
q36bc
If receiv ed w ag e p ay m en t s:
in t o an accou n t or t o a card
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h as an em p loy er or b oss p aid
y ou r salary or w ag es in an y of t h e follow in g w ay s? You
receiv ed p ay m en t s D IRECTLY in t o an accou n t at a b an k or
an ot h er t y p e of fin an cial in st it u t ion or t o a card .
V7 0
q36d
If receiv ed w ag e p ay m en t s:
t h rou g h a m ob ile p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h as an em p loy er or b oss p aid
y ou r salary or w ag es in an y of t h e follow in g w ay s? You
receiv ed p ay m en t s t h rou g h a m ob ile p h on e.
V7 1
q37
If receiv ed cash less w ag e
p ay m en t s: accou n t u se
d iscret e
n u m eric
Aft er y ou r p ay m en t from an em p loy er is t ran sferred in t o an
accou n t , d o y ou u su ally w it h d raw or t ran sfer ALL OF THE
MONEY ou t of t h e accou n t RIGHT AW AY, or d o y ou
w it h d raw or t ran sfer t h e m on ey ov er t im e as y ou n eed it ?
V7 2
q38
If receiv ed cash less w ag e
p ay m en t s: accou n t t y p e
d iscret e
n u m eric
W h ich of t h e follow in g st at em en t s b est d escrib es t h e
accou n t t h at y ou u se t o receiv e p ay m en t s from an
em p loy er? (Read 1 -3 )
V7 3
q39
Receiv ed g ov ern m en t
t ran sfers in p ast 1 2 m on t h s
d iscret e
n u m eric
Hav e y ou , p erson ally , RECEIVED an y fin an cial su p p ort from
t h e g ov ern m en t in t h e PAST 1 2 MONTHS? Th is m on ey
cou ld in clu d e p ay m en t s for ed u cat ion al or m ed ical
ex p en ses, u n em p loy m en t b en efit s, su b sid y p ay m en t s, or
an y k in d of SOCIAL BENEFITS. Please d o NOT in clu d e
w ag es or an y p ay m en t s relat ed t o w ork .
V7 4
q40a
If receiv ed g ov ern m en t
t ran sfers: in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou receiv ed m on ey from
t h e g ov ern m en t in an y of t h e follow in g w ay s? You receiv ed
p ay m en t s D IRECTLY in cash .
V7 5
q40bc
If receiv ed g ov ern m en t
t ran sfers: in t o an accou n t
or t o a card
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou receiv ed m on ey from
t h e g ov ern m en t in an y of t h e follow in g w ay s? You receiv ed
p ay m en t s D IRECTLY in cash .
V7 6
q40d
If receiv ed g ov ern m en t
t ran sfers: t h rou g h a m ob ile
p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou receiv ed m on ey from
t h e g ov ern m en t in an y of t h e follow in g w ay s? You receiv ed
p ay m en t s t h rou g h a m ob ile p h on e.
V7 7
q41
If receiv ed cash less
g ov ern m en t t ran sfers:
accou n t u se
d iscret e
n u m eric
Aft er y ou r p ay m en t from t h e g ov ern m en t is t ran sferred
in t o an accou n t , d o y ou u su ally w it h d raw or t ran sfer ALL OF
THE MONEY ou t of t h e accou n t RIGHT AW AY, or d o y ou
w it h d raw or t ran sfer t h e m on ey ov er t im e as y ou n eed it ?
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 4
ID
Nam e
La b e l
Type
Form a t
Q u e st io n
V7 8
q42
If receiv ed cash less
g ov ern m en t t ran sfers:
accou n t t y p e
d iscret e
n u m eric
W h ich of t h e follow in g st at em en t s b est d escrib es t h e
accou n t t h at y ou u se t o receiv e p ay m en t s from t h e
g ov ern m en t ? (Read 1 -3 )
V7 9
q43
Receiv ed ag ricu lt u ral
p ay m en t s in p ast 1 2
m on t h s
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou p erson ally RECEIVED
m on ey from an y sou rce for t h e sale of y ou r or y ou r fam ily 's
ag ricu lt u ral p rod u ct s, crop s, p rod u ce, or liv est ock ?
V8 0
q44a
If receiv ed ag ricu lt u ral
p ay m en t s: in cash
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou receiv ed m on ey for t h e
sale of y ou r or y ou r fam ily 's ag ricu lt u ral p rod u ct s, crop s,
p rod u ce, or liv est ock in an y of t h e follow in g w ay s? You
receiv ed p ay m en t s D IRECTLY in cash .
V8 1
q44b
If receiv ed ag ricu lt u ral
p ay m en t s: in t o an accou n t
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou receiv ed m on ey for t h e
sale of y ou r or y ou r fam ily 's ag ricu lt u ral p rod u ct s, crop s,
p rod u ce, or liv est ock in an y of t h e follow in g w ay s? You
receiv ed p ay m en t s D IRECTLY in t o an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion .
V8 2
q44c
If receiv ed ag ricu lt u ral
p ay m en t s: t h rou g h a
m ob ile p h on e
d iscret e
n u m eric
In t h e PAST 1 2 MONTHS, h av e y ou receiv ed m on ey for t h e
sale of y ou r or y ou r fam ily 's ag ricu lt u ral p rod u ct s, crop s,
p rod u ce, or liv est ock in an y of t h e follow in g w ay s? You
receiv ed p ay m en t s t h rou g h a m ob ile p h on e.
V8 3
sav ed
Sav ed in t h e p ast y ear
d iscret e
n u m eric
Com p osit e in d icat or
V8 4
b orrow ed
Borrow ed in t h e p ast y ear
d iscret e
n u m eric
Com p osit e in d icat or
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 4
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 4
E con om y (econ om y)
F i l e: m i cr o_af g
O v e r v ie w
Ty p e: D iscret e
Form at : ch aract er
W id t h : 1 1
Valid cases: 1 0 0 0
In v alid : 0
E con om y Cod e (econ om ycod e)
F i l e: m i cr o_af 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
Gal l u p W or l d Pol l i d en t i f i er (w p i d _r an d om )
F i l e: m i cr o_af 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 : 9
D ecim als: 0
Ran g e: 1 1 1 1 8 3 5 6 7 -2 1 0 9 7 9 5 8 0
Valid cases: 1 0 0 0
In v alid : 0
Min im u m : 1 1 1 1 8 3 5 6 7
Max im u m : 2 1 0 9 7 9 5 8 0
W ei g h t (w g t )
F i l e: m i cr o_af 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 3 1 5 2 0 7 7 7 9 4 9 3 2 5 -3 .2 8 3 0 4 0 7 3 7 3 9 5 4 5
Valid cases: 1 0 0 0
In v alid : 0
Min im u m : 0 .3
Max im u m : 3 .3
I n t e r v ie w e r in st r u ct io n s
In t erv iew er cod ed
Resp on d en t i s f em al e (f em al e)
F i l e: m i cr o_af 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
I n t e r v ie w e r in st r u ct io n s
In t erv iew er cod ed
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 4
Resp on d en t ag e (ag e)
F i l e: m i cr o_af 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 6
Lit e r a l q u e st io n
Please t ell m e y ou r ag e
Resp on d en t ed u cat i on l evel (ed u c)
F i l e: m i cr o_af 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 : 3
Lit e r a l q u e st io n
W h at is y ou r h ig h est com p let ed lev el of ed u cat ion ?
W i t h i n -econ om y h ou seh ol d i n com e q u i n t i l e (i n c_q )
F i l e: m i cr o_af 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
Lit e r a l q u e st io n
W h at is y ou r t ot al MONTHLY h ou seh old in com e in [ in sert local cu rren cy ] , b efore t ax es? Please in clu d e in com e from w ag es
an d salaries, rem it t an ces from fam ily m em b ers liv in g elsew h ere, farm in g , an d all ot h er sou rces.
P o st q u e st io n
[ In d icat ors are con st ru ct ed on in form at ion resu lt in g from t h is q u est ion ]
H as an accou n t (accou n t )
F i l e: m i cr o_af 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
Lit e r a l q u e st io n
Com p osit e in d icat or
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 4
H as an accou n t at a f i n an ci al i n st i t u t i on (accou n t _f i n )
F i l e: m i cr o_af 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
Lit e r a l q u e st io n
Com p osit e in d icat or
H as a m ob i l e m on ey accou n t (accou n t _m ob )
F i l e: m i cr o_af 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
Lit e r a l q u e st io n
Com p osit e in d icat or
H as a d eb i t car d (q 2 )
F i l e: m i cr o_af 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 : 3
Lit e r a l q u e st io n
(A/An [ in sert local t erm in olog y for ATM/d eb it card ] ) is a card con n ect ed t o an accou n t at a fin an cial in st it u t ion t h at allow s
y ou t o w it h d raw m on ey , an d t h e m on ey is t ak en ou t of THAT ACCOUNT rig h t aw ay . D o y ou , p erson ally , h av e (a/an [ in sert
local t erm in olog y for ATM/d eb it card ] )?
I f h as d eb i t car d : car d i n ow n n am e (q 3 )
F i l e: m i cr o_af 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
In v alid : 9 8 3
Min im u m : 1
Max im u m : 1
Lit e r a l q u e st io n
Is t h is [ in sert local t erm in olog y for ATM/d eb it card ] con n ect ed t o an accou n t w it h y ou r n am e on it ?
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h a d eb it card .
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 4
I f h as d eb i t car d : u sed car d i n p ast 1 2 m on t h s (q 4 )
F i l e: m i cr o_af 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
In v alid : 9 8 3
Min im u m : 1
Max im u m : 1
Lit e r a l q u e st io n
Hav e y ou , p erson ally , u sed y ou r [ in sert local t erm in olog y for ATM/d eb it card ] t o D IRECTLY m ak e a p u rch ase in t h e p ast 1 2
m on t h s?
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h a d eb it card .
H as a cr ed i t car d (q 5 )
F i l e: m i cr o_af 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 : 3
Lit e r a l q u e st io n
A cred it card is a card t h at allow s y ou t o BORROW m on ey in ord er t o m ak e p ay m en t s or b u y t h in g s, an d y ou can p ay t h e
b alan ce off lat er. D o y ou , p erson ally , h av e a cred it card ?
I f h as cr ed i t car d : u sed car d i n p ast 1 2 m on t h s (q 6 )
F i l e: m i cr o_af 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
In v alid : 9 8 6
Min im u m : 1
Max im u m : 2
Lit e r a l q u e st io n
Hav e y ou u sed y ou r cred it card in t h e p ast 1 2 m on t h s?
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h a cred it card .
I f d oes n ot h ave accou n t : b /c t oo f ar aw ay (q 8 a)
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
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 4
I f d oes n ot h ave accou n t : b /c t oo f ar aw ay (q 8 a)
F i l e: m i cr o_af g
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se fin an cial in st it u t ion s are t oo far aw ay .
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f d oes n ot h ave accou n t : b /c t oo exp en si ve (q 8 b )
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se fin an cial serv ices are t oo ex p en siv e.
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f d oes n ot h ave accou n t : b /c l ack d ocu m en t at i on (q 8 c)
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou d on 't h av e t h e n ecessary d ocu m en t at ion (id en t it y card , w ag e slip ,
et c.)
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f d oes n ot h ave accou n t : b /c l ack t r u st (q 8 d )
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou d on 't t ru st fin an cial in st it u t ion s.
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
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 4
I f d oes n ot h ave accou n t : b /c r el i g i ou s r eason s (q 8 e)
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se of relig iou s reason s.
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f d oes n ot h ave accou n t : b /c l ack of m on ey (q 8 f )
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou d on 't h av e en ou g h m on ey t o u se fin an cial in st it u t ion s.
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
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 8 g )
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se som eon e else in t h e fam ily alread y h as an accou n t .
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f d oes n ot h ave accou n t : b /c can n ot g et on e (q 8 h )
F i l e: m i cr o_af g
O v e r v ie w
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 4
I f d oes n ot h ave accou n t : b /c can n ot g et on e (q 8 h )
F i l e: m i cr o_af 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 -4
Valid cases: 8 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou can n ot g et an accou n t .
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f d oes n ot h ave accou n t : b /c n o n eed f or f i n an ci al ser vi ces (q 8 i )
F i l e: m i cr o_af 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 9 0
In v alid : 1 1 0
Min im u m : 1
Max im u m : 4
Lit e r a l q u e st io n
Please t ell m e w h et h er each of t h e follow in g is A REASON w h y y ou , p erson ally , D O NOT h av e an accou n t at a b an k or
an ot h er t y p e of form al fin an cial in st it u t ion : Becau se y ou h av e n o n eed for fin an cial serv ices at a form al in st it u t ion .
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h ou t an accou n t . Mu lt ip le resp on ses for n ot h av in g an accou n t p erm it t ed .
I f h as accou n t : an y d ep osi t i n t o accou n t i n p ast 1 2 m on t h s (q 9 )
F i l e: m i cr o_af 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 1 0
In v alid : 8 9 0
Min im u m : 1
Max im u m : 2
Lit e r a l q u e st io n
In t h e p ast 1 2 m on t h s, h as m on ey b een D EPOSITED in t o y ou r p erson al accou n t (s)? Th is in clu d es cash or elect ron ic d ep osit s,
or an y t im e m on ey is p u t in t o y ou r accou n t (s) b y y ou rself, an em p loy er, or an ot h er p erson or in st it u t ion .
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h an accou n t .
I f h as an y d ep osi t i n t o accou n t : n u m b er of m on t h l y d ep osi t s (q 1 0 )
F i l e: m i cr o_af 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: 5 3
In v alid : 9 4 7
Min im u m : 1
Max im u m : 3
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 4
I f h as an y d ep osi t i n t o accou n t : n u m b er of m on t h l y d ep osi t s (q 1 0 )
F i l e: m i cr o_af g
Lit e r a l q u e st io n
In a t y p ical MONTH, ab ou t h ow m an y t im es is m on ey D EPOSITED in t o y ou r p erson al accou n t (s): on e or t w o t im es p er m on t h ,
t h ree or m ore t im es p er m on t h , or, in a t y p ical m on t h , is m on ey NOT d ep osit ed in t o y ou r accou n t (s)? (Read 1 -3 )
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h an y d ep osit .
I f h as accou n t : an y w i t h d r aw al f r om accou n t i n p ast 1 2 m on t h s
(q 1 1 )
F i l e: m i cr o_af 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 1 0
In v alid : 8 9 0
Min im u m : 1
Max im u m : 2
Lit e r a l q u e st io n
In t h e p ast 1 2 m on t h s, h as m on ey b een TAKEN OUT of y ou r p erson al accou n t (s)? Th is in clu d es cash w it h d raw als in p erson
or u sin g y ou r [ in sert local t erm in olog y for ATM/d eb it card ] , elect ron ic p ay m en t s or p u rch ases, ch eck s, or an y ot h er t im e
m on ey is rem ov ed from y ou r accou n t (s) b y y ou rself or an ot h er p erson or in st it u t ion .
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h an accou n t .
I f h as an y w i t h d r aw al f r om accou n t : n u m b er of m on t h l y
w i t h d r aw al s (q 1 2 )
F i l e: m i cr o_af 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: 5 6
In v alid : 9 4 4
Min im u m : 1
Max im u m : 3
Lit e r a l q u e st io n
In a t y p ical MONTH, ab ou t h ow m an y t im es is m on ey TAKEN OUT of y ou r p erson al accou n t (s): on e or t w o t im es p er m on t h ,
t h ree or m ore t im es p er m on t h , or, in a t y p ical m on t h , is m on ey NOT t ak en ou t of y ou r accou n t (s)? (Read 1 -3 )
I n t e r v ie w e r in st r u ct io n s
Ask ed t o t h ose w it h an y w it h d raw al.
I f h as accou n t : m ost f r e