FINAL7template_2011_FINDEX_v01_M
DDI_GHA_2011_FINDEX_v01_M_WB
World Bank
2012-11-12
Nesstar Publisher
FINAL7template_2011_FINDEX_v01_M
Global Financial Inclusion (Global Findex) Database 2011
FINDEX 2011
GHA_2011_FINDEX_v01_M
Development Research Group, Finance and Private Sector Development Unit
Gallup, Inc.
2012-05-22
Nesstar Publisher
Development Research Group, World Bank
The Bill and Melinda Gates Foundation
Global Findex
Ghana
National Coverage.
Individual
The target population is the civilian, non-institutionalized population 15 years and above. The sample is nationally representative.
Sample survey data [ssd]
The Global Findex database includes indicators measuring how adults in 148 economies save, borrow, make payments, and manage risk. More specifically, the database includes indicators on the use of formal accounts, the frequency of formal account use, mode of formal account use (ATM, bank, bank agent, etc.), purposes of formal account use (remittances, government payments, wage payments, etc.), self-reported reasons for not having a formal account, savings behavior, savings method (bank, informal savings club, etc)), sources of borrowing (bank, friends/family, informal lender, etc.), purposes of borrowing (home purchase, school fees, emergency/health, funerals/weddings), the use of mobile phones to make payments, and the purchase of health and agriculture insurance.
Face-to-face [f2f]
Interviews were conducted in the following languages: English, Twi, Hausa, Ewe, Dagbani.
Data weighting is used to ensure a nationally representative sample for each economy. First, base sampling weights are constructed to account for oversamples and household size. If an oversample has been conducted, the data are weighted to correct the disproportionate sample. Weighting by household size (number of residents age 15 and above) is used to adjust for the probability of selection, as residents in large households will have a disproportionately lower probability of being selected for the sample. Second, poststratification weights are constructed. Population statistics are used to weight the data by gender, age, and, where reliable data are available, education or socioeconomic status.
Estimates of standard errors (which account for sampling error) vary by country and indicator. For country- and indicator-specific standard errors, refer to the Annex and Country Table in Demirguc-Kunt, Asli and L. Klapper. 2012. "Measuring Financial Inclusion: The Global Findex." Policy Research Working Paper 6025, World Bank, Washington, D.C.
Global Findex
The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses.
micro_GHA.NSDstat
1000
51
Nesstar 200801
Economy
1000
0
Ghana
1000
Economy code
1000
0
GHA
1000
weight
1000
0
0.293
2.927
1
0.75
Respondent is female
Interviewer coded.
1000
1000
0
0
1
male
491
491.284
2
female
509
508.716
Respondent age
Please tell me your age.
999
997.073
1
2.927
34.95
1
1
0
0
2
2
0
0
3
3
0
0
4
4
0
0
5
5
0
0
6
6
0
0
7
7
0
0
8
8
0
0
9
9
0
0
10
10
0
0
11
11
0
0
12
12
0
0
13
13
0
0
14
14
0
0
15
15
22
31.579
16
16
21
22.16
17
17
23
29.445
18
18
30
28.781
19
19
30
34.774
20
20
34
39.297
21
21
30
42.134
22
22
30
32.14
23
23
33
30.3
24
24
26
23.81
25
25
32
29.039
26
26
35
31.89
27
27
34
20.685
28
28
29
27.747
29
29
15
8.359
30
30
49
52.323
31
31
18
20.024
32
32
23
21.28
33
33
13
15.222
34
34
18
13.339
35
35
29
22.468
36
36
24
21.705
37
37
25
24.73
38
38
36
35.816
39
39
10
10.296
40
40
30
30.985
41
41
6
8.456
42
42
23
18.453
43
43
10
10.95
44
44
5
8.705
45
45
28
28.302
46
46
14
18.994
47
47
6
6.473
48
48
14
10.976
49
49
9
5.56
50
50
20
20.78
51
51
7
3.751
52
52
12
17.247
53
53
10
8.665
54
54
7
6.028
55
55
7
5.377
56
56
7
8.922
57
57
4
1.805
58
58
11
10.71
59
59
10
6.352
60
60
9
10.14
61
61
3
3.953
62
62
8
8.475
63
63
4
3.083
64
64
1
0.559
65
65
8
6.235
66
66
5
4.962
67
67
4
4.09
68
68
5
6.867
69
69
1
0.438
70
70
13
11.237
71
71
2
1.119
72
72
5
7.403
73
73
0
0
74
74
3
2.027
75
75
4
2.799
76
76
1
1.119
77
77
2
5.141
78
78
0
0
79
79
0
0
80
80
7
7.855
81
81
1
0.559
82
82
0
0
83
83
2
0.731
84
84
0
0
85
85
0
0
86
86
0
0
87
87
0
0
88
88
0
0
89
89
0
0
90
90
1
1.119
91
91
0
0
92
92
0
0
93
93
0
0
94
94
0
0
95
95
0
0
96
96
0
0
97
97
0
0
98
98
1
0.332
99
99+
0
0
100
(refused)
0
0
Sysmiss
1
2.927
Respondent education level
What is your highest completed level of education?
1000
1000
0
0
1
completed primary or less
384
621.896
2
secondary
537
333.753
3
completed tertiary or more
76
39.7
4
(dk)
0
0
5
(rf)
3
4.65
Respondents were given 25 options. Variable has been recoded into three categories.
Within-econonmy income quintile
What is your total monthly household income in [insert local currency], before taxes? Please include income from wages and salaries, remittances from family members living elsewhere, farming, and all other sources.
1000
1000
0
0
1
poorest 20%
215
230.899
2
second 20%
222
265.622
3
middle 20%
179
164.165
4
fourth 20%
185
176.193
5
richest 20%
199
163.12
Has an account at a financial instititution
Do you, either by yourself or together with someone else, currently have an account at any of the following places? An account can be used to save money, to make or receive payments, or to receive wages and remittances. Do you currently have an account at a bank or credit union (or another financial institution, where applicable - for example, cooperatives in Latin America)
1000
1000
0
0
1
yes
385
284.101
2
no
615
715.899
3
(dk)
0
0
4
(ref)
0
0
Has an account at a financial institution/post office/MFI (composite indicator)
Composite indicator.
1000
1000
0
0
1
yes
397
294.254
2
no
603
705.746
3
(dk)
0
0
4
(ref)
0
0
Equal to 1 if respondent has an account at a formal financial institution or post office, a debit card or saves at an microfinance institution (MFI), otherwise 0.
Has an account at a post office
Do you, either by yourself or together with someone else, currently have an account at any of the following places? An account can be used to save money, to make or receive payments, or to receive wages and remittances. Do you currently have an account at the Post Office (for example, [insert local example])?
1000
1000
0
0
1
yes
58
40.467
2
no
942
959.533
3
(dk)
0
0
4
(ref)
0
0
If has account: purpose of account
Do you use your account(s) for personal transactions, business purposes, or both?
Asked to those with an account
385
284.101
615
715.899
1
personal transactions
295
219.451
2
business purposes
27
16.726
3
both
63
47.924
4
(dk)
0
0
5
(refused)
0
0
Sysmiss
615
715.899
Has a debit card
A debit card [(where applicable, read:) sometimes called [insert local example(s) here - a bank card, bank book or salary card] is a card that allows you to make payments, get money, or buy things and the money is taken out of your bank account right away. Do you have a debit card?
1000
1000
0
0
1
yes
174
113.959
2
no
824
883.889
3
(dk)
2
2.152
4
(ref)
0
0
Has a credit card
A credit card is like a debit card, but the money is not taken from your account right away. You get credit to make payments or buy things, and you can pay the balance off later. Do you have a credit card?
1000
1000
0
0
1
yes
31
22.328
2
no
967
975.52
3
(dk)
2
2.152
4
(ref)
0
0
If has account: number of monthly deposits into account
In a typical month, about how many times is money deposited into your personal account(s)? This includes cash or electronic deposits, or any time money is put into your account(s) by yourself or others (read 1-4).
Asked to those with an account.
397
294.254
603
705.746
1
0
24
17.524
2
1 - 2 times
251
188.017
3
3 - 5 times
99
70.439
4
6 times or more
23
18.274
5
(dk)
0
0
6
(refused)
0
0
Sysmiss
603
705.746
If has account: number of monthly withdrawals from account
In a typical month, about how many times is money taken out of your personal account(s)? This includes cash withdrawals, electronic payments or purchases, checks, or any other time money is removed from your account(s) by yourself or others (read 1-4)
Asked to those with an account.
397
294.254
603
705.746
1
0
42
33
2
1 - 2 times
274
208.425
3
3 - 5 times
74
45.474
4
6 times or more
7
7.354
5
(dk)
0
0
6
(refused)
0
0
Sysmiss
603
705.746
If has account: most frequent mode of cash withdrawal
When you need to get cash (paper or coins) from your account(s), do you usually get it (read 1-4)?
Asked to those with an account.
397
294.254
603
705.746
1
at an atm
102
71.565
2
over the counter in a branch of your bank or financial institution
276
209.567
3
over the counter at a retail store, or
7
3.677
4
from some other person who is associated with your bank or financial institution
3
3.388
5
(do not withdraw cash)
8
5
6
(dk)
0
0
7
(refused)
1
1.056
Sysmiss
603
705.746
If has account: most frequent mode of cash deposit
When you put cash (paper or coins) into your account(s), do you usually do it (read 1-4)?
Asked to those with an account.
397
294.254
603
705.746
1
at an atm
6
5.982
2
over the counter in a branch of your bank or financial institution
373
277.381
3
over the counter at a retail store, or
5
2.594
4
using some other person who is associated with your bank or financial institution
6
3.925
5
(do not deposit cash)
6
3.317
6
(dk)
0
0
7
(refused)
1
1.056
Sysmiss
603
705.746
If has account: uses checks
In the past 12 months, have you used checks to make payments on bills or to buy things using money from your account(s)?
Asked to those with an account.
397
294.254
603
705.746
1
yes
123
79.001
2
no
274
215.253
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
603
705.746
If has account: uses electronic payments
In the past 12 months, have you used electronic payments that you make or that are made automatically (including wire transfers or payments made online) to make payments on bills or to buy things using money from your account(s)?
Asked to those with an account.
397
294.254
603
705.746
1
yes
39
28.539
2
no
358
265.714
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
603
705.746
If has account: uses it to receive work payments
In the past 12 months, have you used your account(s) to receive money or payments for work or from selling goods?
Asked to those with an account.
397
294.254
603
705.746
1
yes
162
115.03
2
no
235
179.224
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
603
705.746
If has account: uses it to receive gov't payments
In the past 12 months, have you used your account(s) to receive money or payments from the government?
Asked to those with an account.
397
294.254
603
705.746
1
yes
112
72.369
2
no
285
221.885
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
603
705.746
If has account: uses it to receive money from family
In the past 12 months, have you used your account(s) to receive money from family members living elsewhere?
Asked to those with an account.
397
294.254
603
705.746
1
yes
164
117.747
2
no
233
176.507
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
603
705.746
If has account: uses it to send money to family
In the past 12 months, have you used your account(s) to send money to family members living elsewhere?
Asked to those with an account.
397
294.254
603
705.746
1
yes
99
64.963
2
no
298
229.29
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
603
705.746
If does not have account: b/c too far away
Asked to those without an account. Multiple responses for not having an account permitted.
602
705.424
398
294.576
1
yes
155
195.295
2
no
447
510.129
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
398
294.576
If does not have account: b/c too expensive
Asked to those without an account. Multiple responses for not having an account permitted.
602
705.424
398
294.576
1
yes
117
148.546
2
no
480
551.564
3
(dk)
5
5.314
4
(ref)
0
0
Sysmiss
398
294.576
If does not have account: b/c lack documentation
Asked to those without an account. Multiple responses for not having an account permitted.
602
705.424
398
294.576
1
yes
137
155.966
2
no
464
548.72
3
(dk)
1
0.738
4
(ref)
0
0
Sysmiss
398
294.576
If does not have account: b/c lack trust
Asked to those without an account. Multiple responses for not having an account permitted.
602
705.424
398
294.576
1
yes
97
118.631
2
no
500
580.253
3
(dk)
5
6.54
4
(ref)
0
0
Sysmiss
398
294.576
If does not have account: b/c lack of money
Asked to those without an account. Multiple responses for not having an account permitted.
602
705.424
398
294.576
1
yes
495
584.644
2
no
107
120.78
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
398
294.576
If does not have account: b/c religious reasons
Asked to those without an account. Multiple responses for not having an account permitted.
602
705.424
398
294.576
1
yes
14
11.42
2
no
587
692.41
3
(dk)
1
1.595
4
(ref)
0
0
Sysmiss
398
294.576
If does not have account: b/c family member already has one
Asked to those without an account. Multiple responses for not having an account permitted.
602
705.424
398
294.576
1
yes
27
34.752
2
no
574
669.827
3
(dk)
1
0.844
4
(ref)
0
0
Sysmiss
398
294.576
Has saved money in the past 12 months
In the past 12 months, have you saved or set aside any money?
1000
1000
0
0
1
yes
448
366.266
2
no
552
633.734
3
(dk)
0
0
4
(ref)
0
0
If saved: saved for future expenses (education, wedding)
In the past 12 months, have you saved for: Expenses in the future such as education, a wedding, or a big purchase
Asked to those who said they saved money in the past 12 months.
448
366.266
552
633.734
1
yes
297
223.944
2
no
151
142.322
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
552
633.734
If saved: saved for emergencies
In the past 12 months, have you saved for: Emergencies or a time when you expect to have less income
Asked to those who said they saved money in the past 12 months.
448
366.266
552
633.734
1
yes
349
275.392
2
no
99
90.874
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
552
633.734
If saved: saved at a financial institution
In the past 12 months, have you saved or set aside money by using an account at a bank, credit union (or another financial institution, where applicable - for example, cooperatives in Latin America), or microfinance institution
Asked to those who said they saved money in the past 12 months.
448
366.266
552
633.734
1
yes
238
161.386
2
no
210
204.88
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
552
633.734
If saved: saved using a savings club
In the past 12 months, have you saved or set aside money by using an informal savings club or a person outside the family (If necessary, provide local examples (chit fund, tontine, merry-go-round, ROSCA, burial society, etc.)
Asked to those who said they saved money in the past 12 months.
448
366.266
552
633.734
1
yes
119
95.392
2
no
329
270.874
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
552
633.734
Borrowed money from financial institution in past 12 months
In the past 12 months, have you borrowed any money from a bank, credit union (or another financial institution, where applicable - for example, cooperatives in Latin America), or microfinance institution?
1000
1000
0
0
1
yes
69
57.519
2
no
931
942.481
3
(dk)
0
0
4
(ref)
0
0
Borrowed money from a store (store credit) in past 12 months
In the past 12 months, have you borrowed any money from a store by using installment credit or buying on credit?
1000
1000
0
0
1
yes
59
53.318
2
no
941
946.682
3
(dk)
0
0
4
(ref)
0
0
Borrowed money from family or friends in past 12 months
In the past 12 months, have you borrowed any money from family or friends?
1000
1000
0
0
1
yes
291
287.626
2
no
709
712.374
3
(dk)
0
0
4
(ref)
0
0
Borrowed money from employer in past 12 months
In the past 12 months, have you borrowed any money from employer?
1000
1000
0
0
1
yes
36
30.407
2
no
964
969.593
3
(dk)
0
0
4
(ref)
0
0
Borrowed money from another private lender in past 12 months
In the past 12 months, have you borrowed any money from another private lender?
1000
1000
0
0
1
yes
31
33.844
2
no
969
966.156
3
(dk)
0
0
4
(ref)
0
0
Currently has loan for home purchase
Do you currently have a loan you took out for any of the following reasons? To purchase your home or apartment.
1000
1000
0
0
1
yes
31
25.43
2
no
969
974.57
3
(dk)
0
0
4
(ref)
0
0
Personally has health insurance in addition to nat'l insurance
Do you, personally, have health or medical insurance [(where applicable, read:) in addition to national health insurance]?
1000
1000
0
0
1
yes
188
153.359
2
no
812
846.641
3
(dk)
0
0
4
(ref)
0
0
If has insurance: has personally purchased insurance
Did you, personally, purchase this insurance?
Asked to those who said they personally purchased health insurance.
188
153.359
812
846.641
1
yes
142
118.479
2
no
46
34.881
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
812
846.641
If ag worker: has personally paid for crop/rainfall/livestock insurance
In the past 12 months, have you personally paid for crop, rainfall, or livestock insurance?
Asked to agricultural workers only.
271
324.025
729
675.975
1
yes
16
12.824
2
no
255
311.201
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
729
675.975
Currently has loan for home construction
Do you currently have a loan you took out for any of the following reasons? To purchase materials or services to build, extend, or renovate your home or apartment.
1000
1000
0
0
1
yes
59
60.402
2
no
941
939.598
3
(dk)
0
0
4
(ref)
0
0
Currently has loan for school fees
Do you currently have a loan you took out for any of the following reasons? To pay school fees.
1000
1000
0
0
1
yes
85
78.076
2
no
915
921.924
3
(dk)
0
0
4
(ref)
0
0
Currently has loan for emergency/health purposes
Do you currently have a loan you took out for any of the following reasons? For emergency/health purposes.
1000
1000
0
0
1
yes
74
69.21
2
no
926
930.79
3
(dk)
0
0
4
(ref)
0
0
Currently has loan for funeral/wedding
Do you currently have a loan you took out for any of the following reasons? For funerals or weddings.
1000
1000
0
0
1
yes
45
42.575
2
no
955
957.425
3
(dk)
0
0
4
(ref)
0
0
Has used a mobile phone to pay bills in past 12 months
In the past 12 months, have you used a mobile phone to pay bills?
1000
1000
0
0
1
yes
14
9.296
2
no
984
989.857
3
(dk)
2
0.847
4
(ref)
0
0
Has used a mobile phone to send money in past 12 months
In the past 12 months, have you used a mobile phone to send money?
1000
1000
0
0
1
yes
16
10.25
2
no
983
989.319
3
(dk)
1
0.432
4
(ref)
0
0
Has used a mobile phone to receive money in past 12 months
In the past 12 months, have you used a mobile phone to receive money?
1000
1000
0
0
1
yes
24
15.398
2
no
975
984.17
3
(dk)
1
0.432
4
(ref)
0
0