Abstract

Financial inclusion is critical in reducing poverty and achieving inclusive economic growth. When people can participate in the financial system, they are better able to start and expand businesses, invest in their children’s education, and absorb financial shocks. Yet prior to 2011, little was known about the extent of financial inclusion and the degree to which such groups as the poor, women, and rural residents were excluded from formal financial systems.

By collecting detailed indicators about how adults around the world manage their day-to-day finances, the Global Findex allows policy makers, researchers, businesses, and development practitioners to track how the use of financial services has changed over time. The database can also be used to identify gaps in access to the formal financial system and design policies to expand financial inclusion.

Geographic coverage

National coverage

Analysis unit

Individual

Universe

The target population is the civilian, non-institutionalized population 15 years and above.

Kind of data

Observation data/ratings [obs]

Sampling procedure

The indicators in the 2017 Global Findex database are drawn from survey data covering almost 150,000 people in 144 economies-representing more than 97 percent of the world's population (see Table A.1 of the Global Findex Database 2017 Report). The survey was carried out over the 2017 calendar year by Gallup, Inc., as part of its Gallup World Poll, which since 2005 has annually conducted surveys of approximately 1,000 people in each of more than 160 economies and in over 150 languages, using randomly selected, nationally representative samples. The target population is the entire civilian, noninstitutionalized population age 15 and above. Interview procedure Surveys are conducted face to face in economies where telephone coverage represents less than 80 percent of the population or where this is the customary methodology. In most economies the fieldwork is completed in two to four weeks.

In economies where face-to-face surveys are conducted, the first stage of sampling is the identification of primary sampling units. These units are stratified by population size, geography, or both, and clustering is achieved through one or more stages of sampling. Where population information is available, sample selection is based on probabilities proportional to population size; otherwise, simple random sampling is used. Random route procedures are used to select sampled households. Unless an outright refusal occurs, interviewers make up to three attempts to survey the sampled household. To increase the probability of contact and completion, attempts are made at different times of the day and, where possible, on different days. If an interview cannot be obtained at the initial sampled household, a simple substitution method is used.

Respondents are randomly selected within the selected households. Each eligible household member is listed and the handheld survey device randomly selects the household member to be interviewed. For paper surveys, the Kish grid method is used to select the respondent. In economies where cultural restrictions dictate gender matching, respondents are randomly selected from among all eligible adults of the interviewer's gender.

In economies where telephone interviewing is employed, random digit dialing or a nationally representative list of phone numbers is used. In most economies where cell phone penetration is high, a dual sampling frame is used. Random selection of respondents is achieved by using either the latest birthday or household enumeration method. At least three attempts are made to reach a person in each household, spread over different days and times of day.\

The sample size was 1005.

Mode of data collection

Other [oth]

Research instrument

The questionnaire was designed by the World Bank, in conjunction with a Technical Advisory Board composed of leading academics, practitioners, and policy makers in the field of financial inclusion. The Bill and Melinda Gates Foundation and Gallup Inc. also provided valuable input. The questionnaire was piloted in multiple countries, using focus groups, cognitive interviews, and field testing. The questionnaire is available in more than 140 languages upon request.

Questions on cash on delivery, saving using an informal savings club or person outside the family, domestic remittances, and agricultural payments are only asked in developing economies and few other selected countries. The question on mobile money accounts was only asked in economies that were part of the Mobile Money for the Unbanked (MMU) database of the GSMA at the time the interviews were being held.

Sampling error estimates

Estimates of standard errors (which account for sampling error) vary by country and indicator. For country-specific margins of error, please refer to the Methodology section and corresponding table in Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess. 2018. The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank

United States US: Population in Largest City data was reported at 18,761,941.000 Person in 2017. This records an increase from the previous number of 18,704,696.000 Person for 2016. United States US: Population in Largest City data is updated yearly, averaging 16,107,057.000 Person from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 18,761,941.000 Person in 2017 and a record low of 14,163,521.000 Person in 1960. United States US: Population in Largest City data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United States – Table US.World Bank.WDI: Population and Urbanization Statistics. Population in largest city is the urban population living in the country's largest metropolitan area.; ; United Nations, World Urbanization Prospects.; ;

Laos LA: Population in Largest City data was reported at 657,108.000 Person in 2017. This records an increase from the previous number of 649,550.000 Person for 2016. Laos LA: Population in Largest City data is updated yearly, averaging 268,948.000 Person from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 657,108.000 Person in 2017 and a record low of 75,908.000 Person in 1960. Laos LA: Population in Largest City data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Laos – Table LA.World Bank.WDI: Population and Urbanization Statistics. Population in largest city is the urban population living in the country's largest metropolitan area.; ; United Nations, World Urbanization Prospects.; ;

Abstract

The documented dataset covers Enterprise Survey (ES) panel data collected in Niger in 2005, 2009 and 2016, as part of Africa Enterprise Surveys rollout, an initiative of the World Bank. The objective of the survey is to obtain feedback from enterprises on the state of the private sector as well as to help in building a panel of enterprise data that will make it possible to track changes in the business environment over time, thus allowing, for example, impact assessments of reforms.

Through interviews with firms in the manufacturing and services sectors, the survey assesses the constraints to private sector growth and creates statistically significant business environment indicators that are comparable across countries. Only registered businesses are surveyed in the Enterprise Survey.

Data from 151 establishments was analyzed. Stratified random sampling was used to select the surveyed businesses. The data was collected using face-to-face interviews.

The standard Enterprise Survey topics include firm characteristics, gender participation, access to finance, annual sales, costs of inputs and labor, workforce composition, bribery, licensing, infrastructure, trade, crime, competition, capacity utilization, land and permits, taxation, informality, business-government relations, innovation and technology, and performance measures. Over 90 percent of the questions objectively ascertain characteristics of a country’s business environment. The remaining questions assess the survey respondents’ opinions on what are the obstacles to firm growth and performance.

Geographic coverage

National

Analysis unit

The primary sampling unit of the study is an establishment. An establishment is a physical location where business is carried out and where industrial operations take place or services are provided. A firm may be composed of one or more establishments. For example, a brewery may have several bottling plants and several establishments for distribution. For the purposes of this survey an establishment must make its own financial decisions and have its own financial statements separate from those of the firm. An establishment must also have its own management and control over its payroll.

Universe

The whole population, or the universe, covered in the Enterprise Surveys is the non-agricultural private economy. It comprises: all manufacturing sectors according to the ISIC Revision 3.1 group classification (group D), construction sector (group F), services sector (groups G and H), and transport, storage, and communications sector (group I). Note that this population definition excludes the following sectors: financial intermediation (group J), real estate and renting activities (group K, except sub-sector 72, IT, which was added to the population under study), and all public or utilities sectors. Companies with 100% government ownership are not eligible to participate in the Enterprise Surveys.

Kind of data

Sample survey data [ssd]

Sampling procedure

Three levels of stratification were used in this country: industry, establishment size, and region.

Industry stratification was designed as follows: the universe was stratified as into manufacturing and services industries- Manufacturing (ISIC Rev. 3.1 codes 15 - 37), and Services (ISIC codes 45, 50-52, 55, 60-64, and 72).

For the 2009 sample stratification purposes, the number of employees was defined on the basis of reported permanent full-time workers. Size stratification was defined following the standardized definition used for the Enterprise Surveys: small (5 to 19 employees), medium (20 to 99 employees), and large (more than 99 employees). For stratification purposes, the number of employees was defined on the basis of reported permanent full-time workers. Regional stratification was defined in terms of the geographic regions with the largest commercial presence in the country: Maradi and Niamey were the two areas selected in Niger.

Two frames were used for Niger. The first one included official lists from the Chamber of commerce, craft and industries of Niger 2008 and the Repertoire of Companies (2008) operating in Niger. The second frame (the panel sample) consisted of enterprises interviewed for the Enterprise Survey in 2005, which were to be re-interviewed where they were in the selected geographical regions and met eligibility criteria. Both database contained the following information: -Name of the firm -Contact details -ISIC code -Number of employees.

Given the impact that non-eligible units included in the sample universe may have on the results, adjustments may be needed when computing the appropriate weights for individual observations. The percentage of confirmed non-eligible units as a proportion of the total number of sampled establishments contacted for the survey was 39.9% (134 out of 344 establishments). Breaking down by industry, the following numbers of establishments were surveyed: Manufacturing - 52, Services - 98.

For 2017: Regional stratification for the Niger ES was done across two regions: Niamey and Rest of the Country.

The sample frame consisted of listings of firms from three sources: - the list of 150 firms from the Niger 2009 ES for panel firms - firm data from La Caisse Nationale de Sécurité Sociale (CNSS) and a list of exporting firms by the Institut National des Statistiques (INS) for fresh firms (firms not covered in 2009).

Given the impact that non-eligible units included in the sample universe may have on the results, adjustments may be needed when computing the appropriate weights for individual observations. The percentage of confirmed non-eligible units as a proportion of the total number of sampled establishments contacted for the survey was 18.6% (76 out of 409 establishments).

Mode of data collection

Face-to-face [f2f]

Cleaning operations

Data entry and quality controls are implemented by the contractor and data is delivered to the World Bank in batches (typically 10%, 50% and 100%). These data deliveries are checked for logical consistency, out of range values, skip patterns, and duplicate entries. Problems are flagged by the World Bank and corrected by the implementing contractor through data checks, callbacks, and revisiting establishments.

Response rate

Survey non-response must be differentiated from item non-response. The former refers to refusals to participate in the survey altogether whereas the latter refers to the refusals to answer some specific questions. Enterprise Surveys suffer from both problems and different strategies were used to address these issues.

Item non-response was addressed by two strategies: a- For sensitive questions that may generate negative reactions from the respondent, such as corruption or tax evasion, enumerators were instructed to collect "Refusal to respond" (-8) as a different option from "Don't know" (-9). b- Establishments with incomplete information were re-contacted in order to complete this information, whenever necessary.

Survey non-response was addressed by maximizing efforts to contact establishments that were initially selected for interview. Attempts were made to contact the establishment for interview at different times/days of the week before a replacement establishment (with similar strata characteristics) was suggested for interview. Survey non-response did occur but substitutions were made in order to potentially achieve strata-specific goals.

Abstract

The Pakistan Demographic and Health Survey PDHS 2017-18 was the fourth of its kind in Pakistan, following the 1990-91, 2006-07, and 2012-13 PDHS surveys.

The primary objective of the 2017-18 PDHS is to provide up-to-date estimates of basic demographic and health indicators. The PDHS provides a comprehensive overview of population, maternal, and child health issues in Pakistan. Specifically, the 2017-18 PDHS collected information on:

• Key demographic indicators, particularly fertility and under-5 mortality rates, at the national level, for urban and rural areas, and within the country’s eight regions
• Direct and indirect factors that determine levels and trends of fertility and child mortality
• Contraceptive knowledge and practice
• Maternal health and care including antenatal, perinatal, and postnatal care
• Child feeding practices, including breastfeeding, and anthropometric measures to assess the nutritional status of children under age 5 and women age 15-49
• Key aspects of family health, including vaccination coverage and prevalence of diseases among infants and children under age 5
• Knowledge and attitudes of women and men about sexually transmitted infections (STIs), including HIV/AIDS, and potential exposure to risk
• Women's empowerment and its relationship to reproductive health and family planning
• Disability level
• Extent of gender-based violence
• Migration patterns

The information collected through the 2017-18 PDHS is intended to assist policymakers and program managers at the federal and provincial government levels, in the private sector, and at international organisations in evaluating and designing programs and strategies for improving the health of the country’s population. The data also provides information on indicators relevant to the Sustainable Development Goals.

Geographic coverage

National coverage

Analysis unit

• Household
• Individual
• Children age 0-5
• Woman age 15-49
• Man age 15-49

Universe

The survey covered all de jure household members (usual residents), children age 0-5 years, women age 15-49 years and men age 15-49 years resident in the household.

Kind of data

Sample survey data [ssd]

Sampling procedure

The sampling frame used for the 2017-18 PDHS is a complete list of enumeration blocks (EBs) created for the Pakistan Population and Housing Census 2017, which was conducted from March to May 2017. The Pakistan Bureau of Statistics (PBS) supported the sample design of the survey and worked in close coordination with NIPS. The 2017-18 PDHS represents the population of Pakistan including Azad Jammu and Kashmir (AJK) and the former Federally Administrated Tribal Areas (FATA), which were not included in the 2012-13 PDHS. The results of the 2017-18 PDHS are representative at the national level and for the urban and rural areas separately. The survey estimates are also representative for the four provinces of Punjab, Sindh, Khyber Pakhtunkhwa, and Balochistan; for two regions including AJK and Gilgit Baltistan (GB); for Islamabad Capital Territory (ICT); and for FATA. In total, there are 13 secondlevel survey domains.

The 2017-18 PDHS followed a stratified two-stage sample design. The stratification was achieved by separating each of the eight regions into urban and rural areas. In total, 16 sampling strata were created. Samples were selected independently in every stratum through a two-stage selection process. Implicit stratification and proportional allocation were achieved at each of the lower administrative levels by sorting the sampling frame within each sampling stratum before sample selection, according to administrative units at different levels, and by using a probability-proportional-to-size selection at the first stage of sampling.

The first stage involved selecting sample points (clusters) consisting of EBs. EBs were drawn with a probability proportional to their size, which is the number of households residing in the EB at the time of the census. A total of 580 clusters were selected.

The second stage involved systematic sampling of households. A household listing operation was undertaken in all of the selected clusters, and a fixed number of 28 households per cluster was selected with an equal probability systematic selection process, for a total sample size of approximately 16,240 households. The household selection was carried out centrally at the NIPS data processing office. The survey teams only interviewed the pre-selected households. To prevent bias, no replacements and no changes to the pre-selected households were allowed at the implementing stages.

For further details on sample design, see Appendix A of the final report.

Mode of data collection

Face-to-face [f2f]

Research instrument

Six questionnaires were used in the 2017-18 PDHS: Household Questionnaire, Woman’s Questionnaire, Man’s Questionnaire, Biomarker Questionnaire, Fieldworker Questionnaire, and the Community Questionnaire. The first five questionnaires, based on The DHS Program’s standard Demographic and Health Survey (DHS-7) questionnaires, were adapted to reflect the population and health issues relevant to Pakistan. The Community Questionnaire was based on the instrument used in the previous rounds of the Pakistan DHS. Comments were solicited from various stakeholders representing government ministries and agencies, nongovernmental organisations, and international donors. The survey protocol was reviewed and approved by the National Bioethics Committee, Pakistan Health Research Council, and ICF Institutional Review Board. After the questionnaires were finalised in English, they were translated into Urdu and Sindhi. The 2017-18 PDHS used paper-based questionnaires for data collection, while computerassisted field editing (CAFE) was used to edit the questionnaires in the field.

Cleaning operations

The processing of the 2017-18 PDHS data began simultaneously with the fieldwork. As soon as data collection was completed in each cluster, all electronic data files were transferred via IFSS to the NIPS central office in Islamabad. These data files were registered and checked for inconsistencies, incompleteness, and outliers. The field teams were alerted to any inconsistencies and errors. Secondary editing was carried out in the central office, which involved resolving inconsistencies and coding the openended questions. The NIPS data processing manager coordinated the exercise at the central office. The PDHS core team members assisted with the secondary editing. Data entry and editing were carried out using the CSPro software package. The concurrent processing of the data offered a distinct advantage as it maximised the likelihood of the data being error-free and accurate. The secondary editing of the data was completed in the first week of May 2018. The final cleaning of the data set was carried out by The DHS Program data processing specialist and completed on 25 May 2018.

Response rate

A total of 15,671 households were selected for the survey, of which 15,051 were occupied. The response rates are presented separately for Pakistan, Azad Jammu and Kashmir, and Gilgit Baltistan. Of the 12,338 occupied households in Pakistan, 11,869 households were successfully interviewed, yielding a response rate of 96%. Similarly, the household response rates were 98% in Azad Jammu and Kashmir and 99% in Gilgit Baltistan.

In the interviewed households, 94% of ever-married women age 15-49 in Pakistan, 97% in Azad Jammu and Kashmir, and 94% in Gilgit Baltistan were interviewed. In the subsample of households selected for the male survey, 87% of ever-married men age 15-49 in Pakistan, 94% in Azad Jammu and Kashmir, and 84% in Gilgit Baltistan were successfully interviewed.

Overall, the response rates were lower in urban than in rural areas. The difference is slightly less pronounced for Azad Jammu and Kashmir and Gilgit Baltistan. The response rates for men are lower than those for women, as men are often away from their households for work.

Sampling error estimates

The estimates from a sample survey are affected by two types of errors: nonsampling errors and sampling errors. Nonsampling errors are the results of mistakes made in implementing data collection and data processing, such as failure to locate and interview the correct household, misunderstanding of the questions on the part of either the interviewer or the respondent, and data entry errors. Although numerous efforts were made during the implementation of the 2017-18 Pakistan Demographic and Health Survey (2017-18 PDHS) to minimise this type of error, nonsampling errors are impossible to avoid and difficult to evaluate statistically.

Sampling errors, on the other hand, can be evaluated statistically. The sample of respondents selected in the 2017-18 PDHS is only one of many samples that could have been selected from the same population, using the same design and expected size. Each of these samples would yield results that differ somewhat from the results of the actual sample selected. Sampling errors are a measure of the variability among all possible samples. Although the degree of variability is not known exactly, it can be estimated from the survey results.

Sampling error is usually measured in terms of the standard error for a particular statistic (mean, percentage, etc.), which is the square root of the variance. The standard error can be used to calculate confidence intervals within which the true value for the population can reasonably be assumed to fall. For example, for any given statistic calculated from a sample survey, the value of that

Abstract

The documented dataset covers Enterprise Survey (ES) panel data collected in Sierra Leone in 2009 and 2017, as part of the Enterprise Survey initiative of the World Bank. An Indicator Survey is similar to an Enterprise Survey; it is implemented for smaller economies where the sampling strategies inherent in an Enterprise Survey are often not applicable due to the limited universe of firms.

The objective of the 2009-2017 survey is to obtain feedback from enterprises in client countries on the state of the private sector as well as to build a panel of enterprise data that will make it possible to track changes in the business environment over time and allow, for example, impact assessments of reforms. Through interviews with firms in the manufacturing and services sectors, the Indicator Survey data provides information on the constraints to private sector growth and is used to create statistically significant business environment indicators that are comparable across countries. As part of its strategic goal of building a climate for investment, job creation, and sustainable growth, the World Bank has promoted improving the business environment as a key strategy for development, which has led to a systematic effort in collecting enterprise data across countries. The Enterprise Surveys (ES) are an ongoing World Bank project in collecting both objective data based on firms' experiences and enterprises' perception of the environment in which they operate.

Questionnaire topics include firm characteristics, gender participation, access to finance, annual sales, costs of inputs/labor, workforce composition, bribery, licensing, infrastructure, trade, crime, competition, land and permits, taxation, business-government relations, performance measures, AIDS and sickness. The mode of data collection is face-to-face interviews.

Geographic coverage

National

Analysis unit

The primary sampling unit of the study is the establishment. An establishment is a physical location where business is carried out and where industrial operations take place or services are provided. A firm may be composed of one or more establishments. For example, a brewery may have several bottling plants and several establishments for distribution. For the purposes of this survey an establishment must make its own financial decisions and have its own financial statements separate from those of the firm. An establishment must also have its own management and control over its payroll.

Universe

The whole population, or the universe, covered in the Enterprise Surveys is the non-agricultural economy. It comprises: all manufacturing sectors according to the ISIC Revision 3.1 group classification (group D), construction sector (group F), services sector (groups G and H), and transport, storage, and communications sector (group I). Note that this population definition excludes the following sectors: financial intermediation (group J), real estate and renting activities (group K, except sub-sector 72, IT, which was added to the population under study), and all public or utilities sectors.

Kind of data

Sample survey data [ssd]

Sampling procedure

The sample for registered establishments in Sierra Leone was selected using stratified random sampling, following the methodology explained in the Sampling Note.

Stratified random sampling was preferred over simple random sampling for several reasons: a. To obtain unbiased estimates for different subdivisions of the population with some known level of precision. b. To obtain unbiased estimates for the whole population. The whole population, or universe of the study, is the non-agricultural economy. It comprises: all manufacturing sectors according to the group classification of ISIC Revision 3.1: (group D), construction sector (group F), services sector (groups G and H), and transport, storage, and communications sector (group I). Note that this definition excludes the following sectors: financial intermediation (group J), real estate and renting activities (group K, except sub-sector 72, IT, which was added to the population under study), and all public or utilities-sectors. c. To make sure that the final total sample includes establishments from all different sectors and that it is not concentrated in one or two of industries/sizes/regions. d. To exploit the benefits of stratified sampling where population estimates, in most cases, will be more precise than using a simple random sampling method (i.e., lower standard errors, other things being equal.) e. Stratification may produce a smaller bound on the error of estimation than would be produced by a simple random sample of the same size. This result is particularly true if measurements within strata are homogeneous. f. The cost per observation in the survey may be reduced by stratification of the population elements into convenient groupings.

Three levels of stratification were used in the Sierra Leone sample: firm sector, firm size, and geographic region.

Industry stratification was designed as follows: the universe was stratified into one manufacturing industry and one services industry (retail).

Size stratification was defined following the standardized definition used for the Indicator Surveys: small (5 to 19 employees), medium (20 to 99 employees), and large (more than 99 employees). For stratification purposes, the number of employees was defined on the basis of reported permanent full-time workers.

Regional stratification was defined in terms of the geographic regions with the largest commercial presence in the country: Kenema and W/A Urban. In 2017, regional stratification was done across four regions: Bo, Western Urban, Kenema, and Bombali.

Given the stratified design, sample frames containing a complete and updated list of establishments as well as information on all stratification variables (number of employees, industry, and region) are required to draw the sample. Great efforts were made to obtain the best source for these listings.

The sample frame consisted of listings of firms from two sources: For panel firms the list of 150 firms from the Sierra Leone 2009 ES was used and for fresh firms (i.e., firms not covered in 2009) firm data from 2016 Business Establishment Census and Dun & Bradstreet Global database (June 2017), was used.

Necessary measures were taken to ensure the quality of the frame; however, the sample frame was not immune to the typical problems found in establishment surveys: positive rates of non-eligibility, repetition, non-existent units, etc.

Given the impact that non-eligible units included in the sample universe may have on the results, adjustments may be needed when computing the appropriate weights for individual observations. The percentage of confirmed non-eligible units as a proportion of the total number of sampled establishments contacted for the survey was 8.9% (18 out of 202 establishments).

Mode of data collection

Face-to-face [f2f]

Research instrument

The current survey instruments are available: - Services and Manufacturing Questionnaire - Screener Questionnaire.

The standard Enterprise Survey topics include firm characteristics, gender participation, access to finance, annual sales, costs of inputs/labor, workforce composition, bribery, licensing, infrastructure, trade, crime, competition, capacity utilization, land and permits, taxation, informality, business-government relations, innovation and technology, and performance measures. Over 90% of the questions objectively ascertain characteristics of a country's business environment. The remaining questions assess the survey respondents' opinions on what are the obstacles to firm growth and performance.

Cleaning operations

Data entry and quality controls are implemented by the contractor and data is delivered to the World Bank in batches (typically 10%, 50% and 100%). These data deliveries are checked for logical consistency, out of range values, skip patterns, and duplicate entries. Problems are flagged by the World Bank and corrected by the implementing contractor through data checks, callbacks, and revisiting establishments.

Response rate

There was a high response rate especially as a result of positive attitude towards the international community in collaboration with the government in their reconstruction efforts after a period of civil strife. It is period in which a lot of statistics is being collected by the Sierra Leone Statistics for reconstruction thus most respondents were enlightened on research benefits.

Guinea GN: Population in Largest City data was reported at 1,798,985.000 Person in 2017. This records an increase from the previous number of 1,755,905.000 Person for 2016. Guinea GN: Population in Largest City data is updated yearly, averaging 827,470.500 Person from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 1,798,985.000 Person in 2017 and a record low of 112,158.000 Person in 1960. Guinea GN: Population in Largest City data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Guinea – Table GN.World Bank.WDI: Population and Urbanization Statistics. Population in largest city is the urban population living in the country's largest metropolitan area.; ; United Nations, World Urbanization Prospects.; ;

Abstract

The fourth edition of the Global Findex offers a lens into how people accessed and used financial services during the COVID-19 pandemic, when mobility restrictions and health policies drove increased demand for digital services of all kinds.

The Global Findex is the world's most comprehensive database on financial inclusion. It is also the only global demand-side data source allowing for global and regional cross-country analysis to provide a rigorous and multidimensional picture of how adults save, borrow, make payments, and manage financial risks. Global Findex 2021 data were collected from national representative surveys of about 128,000 adults in more than 120 economies. The latest edition follows the 2011, 2014, and 2017 editions, and it includes a number of new series measuring financial health and resilience and contains more granular data on digital payment adoption, including merchant and government payments.

The Global Findex is an indispensable resource for financial service practitioners, policy makers, researchers, and development professionals.

Geographic coverage

Excluded populations living in Northeast states and remote islands and Jammu and Kashmir. The excluded areas represent less than 10 percent of the total population.

Analysis unit

Individual

Kind of data

Observation data/ratings [obs]

Sampling procedure

In most developing economies, Global Findex data have traditionally been collected through face-to-face interviews. Surveys are conducted face-to-face in economies where telephone coverage represents less than 80 percent of the population or where in-person surveying is the customary methodology. However, because of ongoing COVID-19 related mobility restrictions, face-to-face interviewing was not possible in some of these economies in 2021. Phone-based surveys were therefore conducted in 67 economies that had been surveyed face-to-face in 2017. These 67 economies were selected for inclusion based on population size, phone penetration rate, COVID-19 infection rates, and the feasibility of executing phone-based methods where Gallup would otherwise conduct face-to-face data collection, while complying with all government-issued guidance throughout the interviewing process. Gallup takes both mobile phone and landline ownership into consideration. According to Gallup World Poll 2019 data, when face-to-face surveys were last carried out in these economies, at least 80 percent of adults in almost all of them reported mobile phone ownership. All samples are probability-based and nationally representative of the resident adult population. Phone surveys were not a viable option in 17 economies that had been part of previous Global Findex surveys, however, because of low mobile phone ownership and surveying restrictions. Data for these economies will be collected in 2022 and released in 2023.

In economies where face-to-face surveys are conducted, the first stage of sampling is the identification of primary sampling units. These units are stratified by population size, geography, or both, and clustering is achieved through one or more stages of sampling. Where population information is available, sample selection is based on probabilities proportional to population size; otherwise, simple random sampling is used. Random route procedures are used to select sampled households. Unless an outright refusal occurs, interviewers make up to three attempts to survey the sampled household. To increase the probability of contact and completion, attempts are made at different times of the day and, where possible, on different days. If an interview cannot be obtained at the initial sampled household, a simple substitution method is used. Respondents are randomly selected within the selected households. Each eligible household member is listed, and the hand-held survey device randomly selects the household member to be interviewed. For paper surveys, the Kish grid method is used to select the respondent. In economies where cultural restrictions dictate gender matching, respondents are randomly selected from among all eligible adults of the interviewer's gender.

In traditionally phone-based economies, respondent selection follows the same procedure as in previous years, using random digit dialing or a nationally representative list of phone numbers. In most economies where mobile phone and landline penetration is high, a dual sampling frame is used.

The same respondent selection procedure is applied to the new phone-based economies. Dual frame (landline and mobile phone) random digital dialing is used where landline presence and use are 20 percent or higher based on historical Gallup estimates. Mobile phone random digital dialing is used in economies with limited to no landline presence (less than 20 percent).

For landline respondents in economies where mobile phone or landline penetration is 80 percent or higher, random selection of respondents is achieved by using either the latest birthday or household enumeration method. For mobile phone respondents in these economies or in economies where mobile phone or landline penetration is less than 80 percent, no further selection is performed. At least three attempts are made to reach a person in each household, spread over different days and times of day.

Sample size for India is 3000.

Mode of data collection

Face-to-face [f2f]

Research instrument

Questionnaires are available on the website.

Sampling error estimates

Estimates of standard errors (which account for sampling error) vary by country and indicator. For country-specific margins of error, please refer to the Methodology section and corresponding table in Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar. 2022. The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. Washington, DC: World Bank.

Netherlands NL: Population in Largest City data was reported at 1,123,080.000 Person in 2017. This records an increase from the previous number of 1,114,536.000 Person for 2016. Netherlands NL: Population in Largest City data is updated yearly, averaging 970,475.500 Person from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 1,123,080.000 Person in 2017 and a record low of 922,076.000 Person in 1983. Netherlands NL: Population in Largest City data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Netherlands – Table NL.World Bank: Population and Urbanization Statistics. Population in largest city is the urban population living in the country's largest metropolitan area.; ; United Nations, World Urbanization Prospects.; ;

Abstract

The fourth edition of the Global Findex offers a lens into how people accessed and used financial services during the COVID-19 pandemic, when mobility restrictions and health policies drove increased demand for digital services of all kinds.

The Global Findex is the world’s most comprehensive database on financial inclusion. It is also the only global demand-side data source allowing for global and regional cross-country analysis to provide a rigorous and multidimensional picture of how adults save, borrow, make payments, and manage financial risks. Global Findex 2021 data were collected from national representative surveys of almost 145,000 people in 139 economies, representing 97 percent of the world’s population. The latest edition follows the 2011, 2014, and 2017 editions, and it includes a number of new series measuring financial health and resilience and contains more granular data on digital payment adoption, including merchant and government payments.

The Global Findex is an indispensable resource for financial service practitioners, policy makers, researchers, and development professionals.

Geographic coverage

Due to ongoing conflict and security issues, Tigray, Gambella, Harari regions were excluded. The excluded areas represent approximately 7% of the total population of Ethiopia.

Kind of data

Observation data/ratings [obs]

Sampling procedure

In most developing economies, Global Findex data have traditionally been collected through face-to-face interviews. Surveys are conducted face-to-face in economies where telephone coverage represents less than 80 percent of the population or where in-person surveying is the customary methodology. However, because of ongoing COVID-19–related mobility restrictions, face-to-face interviewing was not possible in some of these economies in 2021. Phone-based surveys were therefore conducted in 67 economies that had been surveyed face-to-face in 2017. These 67 economies were selected for inclusion based on population size, phone penetration rate, COVID-19 infection rates, and the feasibility of executing phone-based methods where Gallup would otherwise conduct face-to-face data collection, while complying with all government-issued guidance throughout the interviewing process. Gallup takes both mobile phone and landline ownership into consideration. According to Gallup World Poll 2019 data, when face-to-face surveys were last carried out in these economies, at least 80 percent of adults in almost all of them reported mobile phone ownership. All samples are probability-based and nationally representative of the resident adult population. Additionally, phone surveys were not a viable option in 16 economies in 2021, which were then surveyed in 2022.

In economies where face-to-face surveys are conducted, the first stage of sampling is the identification of primary sampling units. These units are stratified by population size, geography, or both, and clustering is achieved through one or more stages of sampling. Where population information is available, sample selection is based on probabilities proportional to population size; otherwise, simple random sampling is used. Random route procedures are used to select sampled households. Unless an outright refusal occurs, interviewers make up to three attempts to survey the sampled household. To increase the probability of contact and completion, attempts are made at different times of the day and, where possible, on different days. If an interview cannot be obtained at the initial sampled household, a simple substitution method is used. Respondents are randomly selected within the selected households. Each eligible household member is listed, and the hand-held survey device randomly selects the household member to be interviewed. For paper surveys, the Kish grid method is used to select the respondent. In economies where cultural restrictions dictate gender matching, respondents are randomly selected from among all eligible adults of the interviewer's gender.

In traditionally phone-based economies, respondent selection follows the same procedure as in previous years, using random digit dialing or a nationally representative list of phone numbers. In most economies where mobile phone and landline penetration is high, a dual sampling frame is used.

The same respondent selection procedure is applied to the new phone-based economies. Dual frame (landline and mobile phone) random digital dialing is used where landline presence and use are 20 percent or higher based on historical Gallup estimates. Mobile phone random digital dialing is used in economies with limited to no landline presence (less than 20 percent).

For landline respondents in economies where mobile phone or landline penetration is 80 percent or higher, random selection of respondents is achieved by using either the latest birthday or household enumeration method. For mobile phone respondents in these economies or in economies where mobile phone or landline penetration is less than 80 percent, no further selection is performed. At least three attempts are made to reach a person in each household, spread over different days and times of day.

Sample size for Ethiopia is 1000.

Mode of data collection

Face-to-face [f2f]

Research instrument

Questionnaires are available on the website.

Sampling error estimates

Estimates of standard errors (which account for sampling error) vary by country and indicator. For country-specific margins of error, please refer to the Methodology section and corresponding table in Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar. 2022. The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. Washington, DC: World Bank.

Canada was one of three countries worldwide in 2021, where credit card ownership among consumers 15 years and up was over ** percent. This according to a major survey held once every three years in over 140 different countries. The results highlight the major differences in how countries prefer to pay: In Europe, for instance, the Nordics, Luxembourg, and the United Kingdom are regarded as top credit card countries, whereas the Netherlands ranked significantly lower than all these countries. Credit card usage Cardholders use their credit cards for billions of purchase transactions per year. Some do this to avoid carrying cash around, while others carry out transactions. Many also use credit cards because they do not have to pay immediately. While this can help with monthly cash flow issues, it can also lead to credit card debt that can take years to pay off. Regional differences in credit cards Some counties have a culture of credit card usage. For example, the leading credit card companies in the United States have issued hundreds of millions of credit cards, more than the number of U.S. citizens. Other countries do not have the culture of non-cash transactions. Overcoming this requires both an investment in payment infrastructure and putting people in the habit of using cards instead of cash.

Portugal PT: Population in Largest City data was reported at 2,912,590.000 Person in 2017. This records an increase from the previous number of 2,897,938.000 Person for 2016. Portugal PT: Population in Largest City data is updated yearly, averaging 2,531,548.500 Person from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 2,912,590.000 Person in 2017 and a record low of 1,513,856.000 Person in 1960. Portugal PT: Population in Largest City data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Portugal – Table PT.World Bank.WDI: Population and Urbanization Statistics. Population in largest city is the urban population living in the country's largest metropolitan area.; ; United Nations, World Urbanization Prospects.; ;

Laos LA: Population in Largest City: as % of Urban Population data was reported at 27.879 % in 2017. This records a decrease from the previous number of 28.489 % for 2016. Laos LA: Population in Largest City: as % of Urban Population data is updated yearly, averaging 44.156 % from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 64.548 % in 1966 and a record low of 27.879 % in 2017. Laos LA: Population in Largest City: as % of Urban Population data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Laos – Table LA.World Bank: Population and Urbanization Statistics. Population in largest city is the percentage of a country's urban population living in that country's largest metropolitan area.; ; United Nations, World Urbanization Prospects.; Weighted average;

Abstract

The fourth edition of the Global Findex offers a lens into how people accessed and used financial services during the COVID-19 pandemic, when mobility restrictions and health policies drove increased demand for digital services of all kinds.

The Global Findex is the world's most comprehensive database on financial inclusion. It is also the only global demand-side data source allowing for global and regional cross-country analysis to provide a rigorous and multidimensional picture of how adults save, borrow, make payments, and manage financial risks. Global Findex 2021 data were collected from national representative surveys of about 128,000 adults in more than 120 economies. The latest edition follows the 2011, 2014, and 2017 editions, and it includes a number of new series measuring financial health and resilience and contains more granular data on digital payment adoption, including merchant and government payments.

The Global Findex is an indispensable resource for financial service practitioners, policy makers, researchers, and development professionals.

Geographic coverage

National coverage

Analysis unit

Individual

Kind of data

Observation data/ratings [obs]

Sampling procedure

In most developing economies, Global Findex data have traditionally been collected through face-to-face interviews. Surveys are conducted face-to-face in economies where telephone coverage represents less than 80 percent of the population or where in-person surveying is the customary methodology. However, because of ongoing COVID-19 related mobility restrictions, face-to-face interviewing was not possible in some of these economies in 2021. Phone-based surveys were therefore conducted in 67 economies that had been surveyed face-to-face in 2017. These 67 economies were selected for inclusion based on population size, phone penetration rate, COVID-19 infection rates, and the feasibility of executing phone-based methods where Gallup would otherwise conduct face-to-face data collection, while complying with all government-issued guidance throughout the interviewing process. Gallup takes both mobile phone and landline ownership into consideration. According to Gallup World Poll 2019 data, when face-to-face surveys were last carried out in these economies, at least 80 percent of adults in almost all of them reported mobile phone ownership. All samples are probability-based and nationally representative of the resident adult population. Phone surveys were not a viable option in 17 economies that had been part of previous Global Findex surveys, however, because of low mobile phone ownership and surveying restrictions. Data for these economies will be collected in 2022 and released in 2023.

In economies where face-to-face surveys are conducted, the first stage of sampling is the identification of primary sampling units. These units are stratified by population size, geography, or both, and clustering is achieved through one or more stages of sampling. Where population information is available, sample selection is based on probabilities proportional to population size; otherwise, simple random sampling is used. Random route procedures are used to select sampled households. Unless an outright refusal occurs, interviewers make up to three attempts to survey the sampled household. To increase the probability of contact and completion, attempts are made at different times of the day and, where possible, on different days. If an interview cannot be obtained at the initial sampled household, a simple substitution method is used. Respondents are randomly selected within the selected households. Each eligible household member is listed, and the hand-held survey device randomly selects the household member to be interviewed. For paper surveys, the Kish grid method is used to select the respondent. In economies where cultural restrictions dictate gender matching, respondents are randomly selected from among all eligible adults of the interviewer's gender.

In traditionally phone-based economies, respondent selection follows the same procedure as in previous years, using random digit dialing or a nationally representative list of phone numbers. In most economies where mobile phone and landline penetration is high, a dual sampling frame is used.

The same respondent selection procedure is applied to the new phone-based economies. Dual frame (landline and mobile phone) random digital dialing is used where landline presence and use are 20 percent or higher based on historical Gallup estimates. Mobile phone random digital dialing is used in economies with limited to no landline presence (less than 20 percent).

For landline respondents in economies where mobile phone or landline penetration is 80 percent or higher, random selection of respondents is achieved by using either the latest birthday or household enumeration method. For mobile phone respondents in these economies or in economies where mobile phone or landline penetration is less than 80 percent, no further selection is performed. At least three attempts are made to reach a person in each household, spread over different days and times of day.

Sample size for Iran, Islamic Rep. is 1005.

Mode of data collection

Landline and mobile telephone

Research instrument

Questionnaires are available on the website.

Sampling error estimates

Estimates of standard errors (which account for sampling error) vary by country and indicator. For country-specific margins of error, please refer to the Methodology section and corresponding table in Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar. 2022. The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. Washington, DC: World Bank.

Niger NE: Population in Largest City data was reported at 1,177,828.000 Person in 2017. This records an increase from the previous number of 1,142,940.000 Person for 2016. Niger NE: Population in Largest City data is updated yearly, averaging 408,995.500 Person from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 1,177,828.000 Person in 2017 and a record low of 57,548.000 Person in 1960. Niger NE: Population in Largest City data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Niger – Table NE.World Bank.WDI: Population and Urbanization Statistics. Population in largest city is the urban population living in the country's largest metropolitan area.; ; United Nations, World Urbanization Prospects.; ;

Abstract

Since its inception in the mid-1990s, the Multiple Indicator Cluster Surveys programme, known as MICS, has become the largest source of statistically sound and internationally comparable data on children and women worldwide. In countries as diverse as Bangladesh, Thailand, Fiji, Qatar, Cote d’Ivoire, Turkmenistan and Argentina, trained fieldwork teams conduct face-to-face interviews with household members on a variety of topics – focusing mainly on those issues that directly affect the lives of children and women. MICS is an integral part of plans and policies of many governments around the world, and a major data source for more than 30 Sustainable Development Goals (SDGs) indicators. The MICS programme continues to evolve with new methodologies and initiatives, including MICS Plus, MICS Link, MICS GIS and the MICS Tabulator.

Geographic coverage

Pakistan (Gilgit-Baltistan) The majority of MICS surveys are designed to be representative at the national level. Sample sizes are sufficient to generate robust data at the regional and provincial levels, and for urban and rural areas. In MICS5, subnational surveys, covering specific population groups (such as the Roma surveys in Eastern Europe) or specific geographical areas (such as the Nalaikh District in Mongolia) within countries were also conducted.

Analysis unit

Household, Individual

Sampling procedure

The sample for the Multiple Indicator Cluster Survey (MICS) was designed to provide estimates on a large number of indicators on the situation of children and women at the national level, for areas of residence, and for geographical locations, such as regions, governorates, or districts. A multi-stage, stratified cluster sampling approach was typickly used for the selection of the survey sample. MICS5 surveys are not self-weighting. For reporting national level results, sample weights were used. A more detailed description of the sample design can be found in Appendix A of Final Report.

Mode of data collection

Face-to-face [f2f]

Research instrument

MICS questionnaires were designed by implementing agencies, typically the National Statistical Offices. In each country, MICS questionnaires were based on an assessment of the country’s data needs. The starting point were the standard MICS questionnaires designed by UNICEF’s Global MICS Team, in close coordination with experts, development partners and other international survey programmes. Countries chose from the MICS modules in the standard MICS questionnaires. UNICEF’s MICS experts supported implementing agencies to customize the questionnaires, as required, to the national setting. All survey activities, from sample and survey design, to fieldwork and report writing are carried out by the implementing agencies – with continuous technical support from UNICEF. The fifth round of MICS included four model questionnaires: (1) the Household Questionnaire, (2) the Questionnaire for Individual Women age 15-49 years, (3) the Questionnaire for Individual Men age 15-49 years, and (4) the Questionnaire for Children Under Five. The flexible, modular nature of MICS questionnaires makes it easy to remove modules which may not be relevant, and modules for which there is already good quality data from other sources.

Refer to tools page on mics.unicef.org for more detailed information on the flow of questionnaires and contents of the modules.

Peru PE: Population in Largest City data was reported at 10,246,681.000 Person in 2017. This records an increase from the previous number of 10,072,359.000 Person for 2016. Peru PE: Population in Largest City data is updated yearly, averaging 5,610,948.500 Person from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 10,246,681.000 Person in 2017 and a record low of 1,755,920.000 Person in 1960. Peru PE: Population in Largest City data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Peru – Table PE.World Bank: Population and Urbanization Statistics. Population in largest city is the urban population living in the country's largest metropolitan area.; ; United Nations, World Urbanization Prospects.; ;

Hong Kong HK: Population in Largest City: as % of Urban Population data was reported at 99.637 % in 2017. This records an increase from the previous number of 99.540 % for 2016. Hong Kong HK: Population in Largest City: as % of Urban Population data is updated yearly, averaging 99.382 % from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 100.000 % in 2010 and a record low of 94.548 % in 1974. Hong Kong HK: Population in Largest City: as % of Urban Population data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Hong Kong – Table HK.World Bank: Population and Urbanization Statistics. Population in largest city is the percentage of a country's urban population living in that country's largest metropolitan area.; ; United Nations, World Urbanization Prospects.; Weighted average;

Congo, The Democratic Republic of the CD: Population in Largest City data was reported at 12,566,427.000 Person in 2017. This records an increase from the previous number of 12,070,741.000 Person for 2016. Congo, The Democratic Republic of the CD: Population in Largest City data is updated yearly, averaging 3,398,111.000 Person from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 12,566,427.000 Person in 2017 and a record low of 442,853.000 Person in 1960. Congo, The Democratic Republic of the CD: Population in Largest City data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Democratic Republic of Congo – Table CD.World Bank: Population and Urbanization Statistics. Population in largest city is the urban population living in the country's largest metropolitan area.; ; United Nations, World Urbanization Prospects.; ;

Honduras HN: Population in Largest City data was reported at 1,318,213.000 Person in 2017. This records an increase from the previous number of 1,274,860.000 Person for 2016. Honduras HN: Population in Largest City data is updated yearly, averaging 549,519.500 Person from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 1,318,213.000 Person in 2017 and a record low of 128,157.000 Person in 1960. Honduras HN: Population in Largest City data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Honduras – Table HN.World Bank.WDI: Population and Urbanization Statistics. Population in largest city is the urban population living in the country's largest metropolitan area.; ; United Nations, World Urbanization Prospects.; ;