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

586099

Data Description

Data File: Section 4 - Actions and attitudes towards use of financial services and products

Content	This dataset presents information on the actions and attitudes towards accessing and using financial services and products. The questions were asked of household heads and randomly selected household members. The information collected include reasons why people do not have a bank account, guarantees required for a bank loan, reasons for applying or not applying for a loan, and loans and other credits applied for during the 12 months prior to the data collection.
Cases	3317
Variable(s)	106
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 4: Questionnaire Group 1: All adult household members aged 15 years and older Questionnaire Group 2: One Randomly selected adult household member Questionnaire Group 3: Head of household and one randomly selected household member

Variables

Name	Label	Question
clust	Cluster number

nh	Household number

fshid	Household identification

qgroup	Questionnaire group

pid	Person number for Section 4

s4q1	Did respondent answer "yes" to having an account in Section 3?	INTERVIEWER: DID THE RESPONDENT ANSWER "Yes" TO ANY OF THE SECTION 3 QUESTIONS ABOUT ACCOUNTS: 2, 4, 6, 8, 10, 12, BANK LOAN 36, OR BANK OVERDRAFT 54?

s4q2a	First reason for not opening account	There are many reasons why people do not have a bank account. Please tell me, in the order of importance, the three main reasons why you do not have a bank account?

s4q2b	Second reason for not opening account	There are reasons why people do not have a bank account. Please tell me, in order of importance, the three main reasons why you do not have a bank account?

s4q2c	Third reason for not opening account	There are reasons why people do not have a bank account. Please tell me, in order of importance, the three main reasons why you do not have a bank account?

s4q3	Convenience of the location of bank nearest to respondent	Would you say that the location of the bank which is nearest to you is ..................

s4q4	Mode of transport from house to bank	What mode of transportation would you use to go from your house to this bank which is nearest to you?

s4q5	Travelling time in minutes to nearest bank	How long, in minutes would it take you to travel to the bank nearest to you?

s4q6a	First reason respondent might like to have a bank account	In order of importance, what is(are) the reason(s) you might like to have a bank account?

s4q6b	Second reason respondent might like to have a bank account	In order of importance, what is(are) the reason(s) you might like to have a bank account?

s4q6c	Third reason respondent might like to have a bank account	In order of importance, what is(are) the reason(s) you might like to have a bank account?

s4q7	Convenience of the location of bank	Would you say that the location of your bank is ....................

s4q8	Mode of transportation to respondent's bank	What mode of transportation do you use to go to your bank?

s4q9	Travelling time in minutes to respondent's bank	What is the average time you spend travelling to your bank (one way)?

s4q10a	First reason for having a bank account	In order of importance, what is(are) the reason(s) you have a bank account?

s4q10b	Second reason for having a bank account	In order of importance, what is(are) the reason(s) you have a bank account?

s4q10c	Third reason for having a bank account	In order of importance, what is(are) the reason(s) you have a bank account?

s4q11	Did respondent answer "yes" to savings and retirement accounts?	INTERVIEWER: DID THE RESPONDENT ANSWER "Yes" TO ANY OF THE SECTION 3 QUESTIONS ABOUT........... BANK SAVINGS.............6, 10, 12, 14 NON-BANK SAVINGS..........22, 24, 26, 28, 30 RETIREMENT ACCOUNTS....32, 34?

s4q12a	First reason for not having a bank account	There are many reasons why people do not have a bank account. Please tell me, in the order of importance, the three main reasons why you do not have a savings account?

s4q12b	Second reason for not having a bank account	There are many reasons why people do not have a bank account. Please tell me, in the order of importance, the three main reasons why you do not have a savings account?

s4q12c	Third reason for not having a bank account	There are many reasons why people do not have a bank account. Please tell me, in the order of importance, the three main reasons why you do not have a savings account?

s4q13	Did respondent earn interest for keeping money in savings account?	Do you earn interest from keeping money in a savings account?

s4q14	Did respondent answer "yes" to contributing to susu, welfare scheme, etc?	INTERVIEWR: DID RESPONDENT ANSWER "Yes" TO EITHER OF THE SECTION 3 QUESTIONS ABOUT.......SUSU, WELFARE SCHEME OR SAVINGS CLUB, 26, 28?

s4q15	Can respondent borrow money from susu/welfare or other savings club?	You mentioned that you used Susu or Welfare scheme or other Savings club. Can you borrow money from these?

s4q16	Can respondent borrow more than his/her contributions from susu etc?	Can you borrow more than your contributions from this Susu, Welfare scheme or Savings club?

s4q17	Has the amount that respondent can borrow from savings increased over time?	Has the amount that you can borrow from your Susu, Welfare scheme or Savings club increased over time?

s4q18a	How often does respondent make contributions to susu or savings?	How often do you make contributions to your Susu, Welfare scheme or Savings club?

s4q18b	Time unit of contribution to susu or savings	How often do you make contributions to your Susu, Welfare scheme or Savings club?

s4q19	Did respondnet answer "yes" to Section 3 question 36?	INTERVIEWER: DID RESPONDENT ANSWER "Yes" TO SECTION 3 OF THE BANK LOAN QUESTION ...36?

s4q20	Did respondent take a loan from ADB,HFC,NIB,MB in past 12months?	Do you currently have, or have you had in the past 12 months a loan with the Agricultural Development Bank, Home Finance Company Bank, the National Investment Bank or the Merchant Bank?

s4q21	Most recent investment bank that respondent took a loan from in the last 12months	What is the name of the bank? (If more than one loan, refer to the most recent)

s4q22	Main purpose of loan taken from investment bank in past 12 months	What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent.

s4q23a	First guarantee required for investment bank loan taken in past 12 months	What guarantee were you required to give for this loan?

s4q23b	Second guarantee required for investment bank loan taken in past 12 months	What guarantee were you required to give for this loan?

s4q23c	Third guarantee required for investment bank loan taken in past 12 months	What guarantee were you required to give for this loan?

s4q24	Did respondent apply for a loan with ADB,HFC,NIB,MB in past 12months?	In the past 12 months, have you applied for a loan with an Agricultural Development Bank, Home Finance Company Bank, the National Investment Bank or the Merchant Bank?

s4q25	Was loan application with investment bank accepted or rejected?	Was your loan accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)?

s4q26a	First reason why loan application to investment bank was rejected	Why was it rejected?

s4q26b	Second reason why loan application to investment bank was rejected	Why was it rejected?

s4q26c	Third reason why loan application to investment bank was rejected	Why was it rejected?

s4q27	Did respondent take a loan from any other bank in the past 12 months?	Do you currently have, or have you had in the past 12 months a loan with any other bank?

s4q28	Most recent other bank respondent took a loan from in past 12 months	What is the name of the bank? (If more than one bank, refer to the most recent)

s4q29	Main purpose for taking a loan from any other bank in past 12 months	What was the main reason for which you took out this loan? If more than one loan, refer to the most recent.

s4q30a	First guarantee required for any other bank loan taken in past 12 months	What guarantee were you required to undertake or give to obtain this loan?

s4q30b	Second guarantee required for any other bank loan taken in past 12 months	What guarantee were you required to undertake or give to obtain this loan?

s4q30c	Third guarantee required for any other bank loan in past 12 months	What guarantee were you required to undertake or give to obtain this loan?

s4q31	Did respondent apply for a loan with any other bank in the past 12 months?	In the past 12 months, have you applied for a loan with any other bank?

s4q32	Was loan application with any other bank accepted or rejected?	Was your loan accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)?

s4q33a	First reason why loan application with any other bank was rejected	Why was it rejected?

s4q33b	Second reason why loan application with any other bank was rejected	Why was it rejected?

s4q33c	Third reason why loan application with any other bank was rejected	Why was it rejected?

s4q34	Did respondent answer "yes" to Section 3 question 40?	INTERVIEWER: DID RESPONDENT ANSWER "Yes" IN THE SECTION 3 CREDIT UNION LOAN QUESTION....40?

s4q35	Main purpose of loan from credit union	You said that you currently have a loan with a credit union. What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent.

s4q36a	First guarantee required for loan from credit union	What guarantee were you required to undertake or give to obtain this loan?

s4q36b	Second guarantee required for loan from credit union	What guarantee were you required to undertake or give to obtain this loan?

s4q36c	Third guarantee required for loan from credit union	What guarantee were you required to undertake or give to obtain this loan?

s4q37	Did respondent apply for a loan with the credit union in past 12 months?	In the past 12 months, have you applied for a loan with a credit union?

s4q38	Was the loan application to the credit union accepted or rejected?	Was your loan application accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)?

s4q39a	First reason why loan with credit union was rejected	Why was it rejected?

s4q39b	Second reason why loan with credit union was rejected	Why was it rejected?

s4q39c	Third reason why loan with credit union was rejected	Why was it rejected?

s4q40	Did respondent answer "yes" to Section 3 question 42?	INTERVIEWER: DID RESPONDENT ANSWER "Yes" IN THE SECTION 3 MICRO-FINANCE LENDER QUESTION ........42?

s4q41	Main purpose for applying for loan from micro finance lender	You said that you currently have a loan with a micro-finance lender. What was the main purpose for which you took out this loan? If more than one loan, refer to most recent.

s4q42a	First guarantee required by micro finance lender	What guarantee were you required to give for this loan?

s4q42b	Second guarantee required by micro finance lender	What guarantee were you required to give for this loan?

s4q42c	Third guarantee required by micro finance lender	What guarantee were you required to give for this loan?

s4q43	Did respondent apply for loan from micro finance institution in last 12 months?	In the past 12 months, have you applied for a loan with a micro-finance insitution?

s4q44	Was loan appplication to micro finance institution accepted or rejected?	Was your loan accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)?

s4q45a	First reason why loan application to micro-finance institution was rejected	Why was it rejected?

s4q45b	Second reason why loan appplication to micro-finance institution was rejected	Why was it rejected?

s4q45c	Third reason why loan application to micro-finance institution was rejected	Why was it rejected?

s4q46	Did respondent answer "yes" to Section 3 question 48?	INTERVIEWER: DID RESPONDENT ANSWER "Yes" TO THE SECTION 3 SUSU, WELFARE SCHEME, SAVING CLUB QUESTION .......48?

s4q47	Main purpose for appliying for loan from susu or welfare scheme	You said that you currently have money borrowed from a susu, welfare scheme or other savings club. What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent.

s4q48a	First guarantee required for loan from susu or welfare scheme	What was the guarantee you were required to give for this loan?

s4q48b	Second guarantee required for loan from susu or welfare scheme	What was the guarantee you were required to give for this loan?

s4q48c	Third guarantee required for loan from susu or welfare scheme	What was the guarantee you were required to give for this loan?

s4q49	Did respondent apply for loan from susu scheme in the past 12 months?	In the past 12 months, have you applied for a loan with a Susu, Welfare scheme or other Savings club?

s4q50	Was loan from susu scheme in past 12 months accepted or rejected?	Was your loan application accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)?

s4q51a	First reason why application for loan from susu scheme in past 12 months was rejected	Why was it rejected?

s4q51b	Second reason why application for loan from susu scheme in past 12 months was rejected	Why was it rejected?

s4q51c	Third reason application for loan from susu scheme in past 12 months was rejected	Why was it rejected?

s4q52	Did respondent answer "yes" to Section 3 question 44?	INTERVIEWER: DID RESPONDENT ANSWER "Yes" TO THE SECTION 3 EMPLOYER LOAN QUESTION .......44?

s4q53	Main purpose for applying for loan from employer	You said you currently have a loan from an employer. What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent.

s4q54a	First guarantee required for a loan from employer	What guarantee were you required to give for this loan?

s4q54b	Second guarantee required for a loan from employer	What guarantee were you required to give for this loan?

s4q54c	Third guarantee required for a loan from employer	What guarantee were you required to give for this loan?

s4q55	Did respondent apply for a loan from employer in the past 12 months?	In the past 12 months, have you applied for a loan or tried to borrow from an employer?

s4q56	Was application for loan from employer in past 12 months accepted or rejected?	Was your loan aplication accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)?

s4q57a	First reason why application for loan from employer in past 12 months was rejected	Why was it rejected?

s4q57b	Second reason why application for loan from employer in past 12 months was rejected	Why was it rejected?

s4q57c	Third reason why application for loan from employer in past 12 months was rejected	Why was it rejected?

s4q58	Did respondent answer "yes" to Section 3 question 46?	INTERVIEWER: DID RESPONDENT ANSWER "Yes" TO THE SECTION 3 MONEY LENDER LOAN QUESTION ....46?

s4q59	Main purpose for applying for a loan from money lender?	You said that you currently have a loan with a money lender. What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent.

s4q60a	First guarantee required for a loan from money lender	What guarantee were you required to give for this loan?

s4q60b	Second guarantee required for a loan from money lender	What guarantee were you required to give for this loan?

s4q60c	Third guarantee required for a loan from money lender	What guarantee were you required to give for this loan?