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
583388
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? | |
Total variable(s):
91 |