Ghana - Financial Service Survey 2006

Reference ID

GHA-GSS-FSS-2006-v1.0

Year

2006

Country

Ghana

Producer(s)

Ghana Statistical Service (GSS) - Office of the President

Sponsor(s)

World Bank - WB - Funding and technical support

Metadata

Documentation in PDF

Created on

Nov 05, 2010

Last modified

May 26, 2015

Page views

586154

Data Description

Data File: Section 3 - Access and use of financial services and products

Content	This section of the questionnaire also provides information of financial services and products available to selected and products by the head of household and a randomly selected member of the househol. It deals with the previous and current use of these services and products. The information collected include the use of ATMs, credit or debit cards, current and savings accounts, access to and use of formal and informal banking services, access to pension or insurance funds, loans and microfinance.
Cases	3318
Variable(s)	91
Structure:	Type: relational Keys: clust (Cluster number), nh (Household number)
Version	Version 1.0
Producer	Ghana Statistical Service (GSS)
Missing Data	Prior to 2008, missing data and not applicable data were left as blank. These values are not differentiated. The current policy is to identify the missing data as follows: -a coded value would be composed of 9s such that the entire length of the field is filled. For example a code of' '999' would be used for a missing field of three characters. -not applicable or skipped variables are left blank
Processing Checks	All files have been checked for the following: 1. All variables have been clearly defined and labelled 2. All categories (value labels) have been clearly defined 3. All cases have unique identification (no duplicates) 4. The frequencies of expected respondents checked with the actual section and inconsistencies noted. 5. Skip patterns have been verified 6. Structure edits have been performed
Notes	Universe for Section 3: Questionnaire Group 2: One Randomly selected adult household members. Questionnaire Group 3: Head of household and one randomly selected adult houshold member.

Variables

Name	Label	Question
clust	Cluster number

nh	Household number

fshid	Household identification

qgroup	Questionnaire group

pid	Person number for Section 3 of questionnaires

s3q1	Ever had an ATM card?	Have you ever had: ATM card?

s3q2	Currently have an ATM card?	Do you currently have: ATM card?

s3q3	Ever had a Debit card?	Have you ever had: Debit card or cheque card?

s3q4	Currently have a Debit card?	Do you currently have: Debit card or cheque card?

s3q5	Ever had a Savings plus account?	Have you ever had: Savings plus account?

s3q6	Currently have a Savings plus account?	Do you currently have: Savings plus account?

s3q7	Ever had a Current account?	Have you ever had: Current account?

s3q8	Currently have a Current account?	Do you currently have: Current account?

s3q9	Ever had a Savings account at bank?	Have you ever had: Savings account with a bank?

s3q10	Currently have a Savings account at bank?	Do you currently have: Savings account at bank?

s3q11	Ever had Post bank account?	Have you ever had: Post Bank account/Post Office savings account?

s3q12	Currently have Post bank account?	Do you currently have: Post Bank account/Post Office savings account?

s3q13	Ever had Short term investments?	Have you ever had: Short term investments such as certificates of deposit, treasury bills and treasury notes or money market funds?

s3q14	Currently have Short term investments?	Do you currently have: Short term investments such as certificates of deposit, treasury bills and treasury notes or money market funds?

s3q15	Ever had access to the use of a bank for transactions without need to hold any account?	Have hou ever had: Access to the use of a bank for transactions without need to hold any account (including through someone else's account)?

s3q16	Currently have access to the use of a bank for transactions without need to hold any account?	Do you currently have: Access to the use of a bank for transactions without need to hold any account (including through someone else's account)?

s3q17	Ever had access to the use of other formal financial service provider without need for an account?	Have you ever had: Access to the use of other formal financial service provider, without the need for an account (e.g. money transfer service provider)?

s3q18	Currently have access to the use of other formal financial services without need for an account?	Do you currently have: Access to the use of other formal financial service provider, without the need for an account (e.g. money transfer service provider)?

s3q19	Ever had access to the use of payments/receipts services through informal channels?	Have you ever had: Access to the use of payments or receipt services through informal channels?

s3q20	Currently have access to the use of payments/receipts services through informal channels?	Do you currently have: Access to the use of payments or receipt services through informal channels?

s3q21	Ever had Savings with a regulated micro-finance institution?	Have you ever had: Savings with a regulated microfinance institution (e.g. SINAPI ABA)?

s3q22	Currently have Savings with a regulated micro-finance institution?	Do you currently have: Savings with a regulated microfinance institution (e.g. SINAPI ABA)?

s3q23	Ever had Savings with a credit union?	Have you ever had: Savings with a credit union?

s3q24	Currently have Savings with a credit union?	Do you currently have: Savings with a credit union?

s3q25	Ever used a Susu scheme?	Have you ever used a Susu scheme?

s3q26	Currently using a Susu scheme?	Do you currently use Susu scheme?

s3q27	Ever used a Welfare scheme?	Have you ever used a Welfare scheme, other savings club(e.g. with religious organization)?

s3q28	Currently using a Welfare scheme?	Do you currently use Welfare scheme, other savings club(e.g. with religious organization)?

s3q29	Ever had Shares in a company and investment fund?	Have you ever had: Shares in a company, or in an investment fund including mutual funds and investment trusts?

s3q30	Currently have Shares in a company and investment fund?	Do you currently have: Shares in a company, or in an investment fund including mutual funds and investment trusts?

s3q31	Ever had a Provident fund?	Have you ever had: Provident fund?

s3q32	Currently have a Provident fund?	Do you currently have: Provident fund?

s3q33	Ever had a Pension fund?	Have you ever had: Pension fund (or any collective savings program that will provide you with income upon retirement)?

s3q34	Currently have a Pension fund?	Do your currently have: Pension fund (or any collective savings program that will provide you with income upon retirement)?

s3q35	Ever had a loan from a Bank for any purpose?	Have you ever had: A loan from a bank for any purpose (e.g pay school fees, rent, medical expenses, buy items for the house, vehicles, buy or improve housing)?

s3q36	Currently have a loan from a Bank for any purpose?	Do you currently have: A loan from a bank for any purpose (e.g pay school fees, rent, medical expenses, buy items for the house, vehicles, buy or improve housing)?

s3q37	Ever had a loan from Government for any purpose?	Have you ever had: Loan from government for any purpose, such as buying or improving your housing?

s3q38	Currently have a loan from Government for any purpose?	Do you currently have: Loan from government for any purpose, such as buying or improving your housing?

s3q39	Ever had a loan from Credit union for any purpose?	Have you ever had : A loan from a credit union for any purpose (e.g. pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)?

s3q40	Currently have a loan from a Credit union for any purpose?	Do you currently have: A loan from a credit union for any purpose (e.g. pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)?

s3q41	Ever had a loan from Micro-finance lender for any purpose?	Have you ever had: A loan from a micro-finance lender for any purpose (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)?

s3q42	Currently have a loan from Micro-finance lender for any purpose?	Do you currently have: A loan from a micro-finance lender for any purpose (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)?

s3q43	Ever had a loan from an Employer for any purpose?	Have you ever had: A loan from an employer for any purpose (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)?

s3q44	Currently have a loan from an Employer for any purpose?	Do you currently have: A loan from an employer for any purpose (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)?

s3q45	Ever had a loan from a Money lender for any purpose?	Have you ever had: A loan from a money lender for any purpose (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)

s3q46	Currently have a loan from a Money lender for any purpose?	Do you currently have: A loan from a money lender for any purpose (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)?

s3q47	Ever borrowed money from Welfare scheme or Susu?	Have you ever: Borrowed money from a welfare scheme, susu or other savings club (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)?

s3q48	Currently have money borrowed from Welfare scheme or Susu?	Do you currently have: Money borrowed from a welfare scheme, susu or other savings club (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)?

s3q49	Ever borrowed money from a Friend or Family member?	Have you ever: Borrowed money from a friend or family member (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)?

s3q50	Currently have money borrowed from a Friend or Family member?	Do you currently have: Money borrowed from a friend or family member (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)?

s3q51	Ever had Credit cards like visa, master card, etc?	Have you ever had: Credit cards, e.g. Master card, Visa, Diners Club, etc.?

s3q52	Currently have Credit cards like visa, master card, etc?	Do you currently have: Credit cards, e.g. Master card, Visa, Diners Club, etc.?

s3q53	Ever had Overdraft with a bank?	Have you ever had: Overdraft with a bank?

s3q54	Currently have Overdraft with a bank?	Do you currently have: Overdraft with a bank?

s3q55	Ever had Hire purchase agreement or installation plan?	Have you ever had: Hire purchase agreement or installation plan?

s3q56	Currently have Hire purchase agreement or installation plan?	Do you currently have: Hire purchase agreement or installation plan?

s3q57	Ever had any Other credit facility other than credit card, etc?	Have you ever had: Any credit facility other than a credit card or hire purchase agreement mentioned earlier?

s3q58	Currently have any Other credit facility other than credit card, etc?	Do you currently have: Any credit facility other than a credit card or hire purchase agreement mentioned earlier?

s3q59	Ever had Vehicle insurance?	Have you ever had: Vehicle insurance?

s3q60	Currently have Vehicle insurance?	Do you currently have: Vehicle insurance?

s3q61	Ever had Household content insurance for Tv, jewellery, etc?	Have you ever had: Household content insurance (for TVs, jewellery, furniture, etc.)?

s3q62	Currently have Household content insurance for Tv, jewellery, etc?	Do you currently have: Household content insurance (for TVs, jewellery, furniture, etc.)?

s3q63	Ever had Home owners' insurance?	Have you ever had: Home owners' insurance (insurance on building)?

s3q64	Currently have Home owners' insurance?	Do you currently have: Home owners' insurance (insurance on building)?

s3q65	Ever had insurance that pays debts if unable to pay?	Have you ever had: Insurance that pays your debts if you are unable to pay?

s3q66	Currently have insurance that pays debts if unable to pay?	Do you currently have: Insurance that pays your debts if you are unable to pay?

s3q67	Ever had Travel insurance?	Have you ever had: Travel insurance?

s3q68	Currently have Travel insurance?	Do you currently have: Travel insurance?

s3q69	Ever had Life insurance policy?	Have you ever had: Life insurance policy (a payment to your heirs upon death)?

s3q70	Currently have Life insurance policy?	Do you currently have: Life insurance policy (a payment to your heirs upon death)?

s3q71	Ever had insurance to pay debts in case of death?	Have you ever had: Insurance to pay your debts if you die?

s3q72	Currently have insurance to pay debts in case of death?	Do you currently have: Insurance to pay your debts if you die?

s3q73	Ever had Disability Insurance from employer?	Have you ever had: Disability insurance from an employer?

s3q74	Currently have Disability Insurance from employer?	Do you currently have: Disability insurance from an employer?

s3q75	Ever had any Other Disability Insurance?	Have you ever had: Any other disability insurance?

s3q76	Currently have any Other Disability Insurance?	Do you currently have:Any other disability insurance?

s3q77	Ever had Professional insurance?	Have you ever had: Professional insurance?

s3q78	Currently have Professional insurance?	Do you currently have: Professional insurance?

s3q79	Ever had Funeral policy with a formal institution?	Have you ever had: Funeral policy with a formal insitution (not undertaker), SIC for example?

s3q80	Currently have Funeral policy with a formal institution?	Do you currently have: Funeral policy with a formal insitution (not undertaker), SIC for example?

s3q81	Ever belonged to a group or society that will contribute to the cost of your burial?	Have you ever: Belonged to any group or society that will contribute to the cost of your burial?

s3q82	Currently belong to a group or society that will contribute to the cost of your burial?	Do you currently: Belong to any group or society that will contribute to the cost of your burial?

s3q83	Ever had a Health or Medical insurance?	Have you ever had: Health/medical insurance?

s3q84	Currently have a Health or Medical insurance?	Do you currently have: Health/medical insurance?

s3q85	Ever had insurance for your Child's education?	Have you ever had insurance for your child's education?

s3q86	Currently have insurance for your Child's education?	Do you currently have insurance for your child's education?