GLOBALFINDEXGLOSSARY
The reference citation for all indicators in the Global Findex Database is: Demirguc-Kunt, Asli, Leora Klapper, Dorothe Singer, andPeter Van Oudheusden. 2015. “The Global Findex Database 2014: Measuring Financial Inclusion around the World.” Policy ResearchWorking Paper 7255.
Account (% age 15+)
The percentage of respondents who report having an account (bythemselves or together with someone else) at a bank or anothertype of financial institution (see definition for “account at a financial institution”) or personally using a mobile money service inthe past 12 months (see definition for “mobile money account”).

Coming up with emergency funds: not at all possible (%age 15+)The percentage of respondents who report that in case of an
emergency it is not at all possible for them to come up with
1/20 of gross national income (GNI) per capita in local currency
within the next month.

Account at a financial institution (% age 15+)
The percentage of respondents who report having an account (bythemselves or together with someone else) at a bank or anothertype of financial institution.1

Coming up with emergency funds: not very possible (%age 15+)The percentage of respondents who report that in case of an
emergency it is not very possible for them to come up with 1/20
of gross national income (GNI) per capita in local currency within
the next month.

Borrowed any money in the past year (% age 15+)
The percentage of respondents who report borrowing any money
for any reason and from any source in the past 12 months.
Borrowed for education or school fees (% age 15+)
The percentage of respondents who report borrowing any moneyfor education or school fees in the past 12 months.
Borrowed for health or medical purposes (% age 15+)
The percentage of respondents who report borrowing any money
for health or medical purposes in the past 12 months.
Borrowed from a financial institution (% age 15+)
The percentage of respondents who report borrowing any moneyfrom a bank or another type of financial institution in the past
12 months.
Borrowed from a private informal lender (% age 15+)
The percentage of respondents who report borrowing any moneyfrom a private informal lender in the past 12 months.
Borrowed from a store by buying on credit (% age 15+)
The percentage of respondents who report borrowing any moneyfrom a store by using installment credit or buying on credit in
the past 12 months.
Borrowed from family or friends (% age 15+)
The percentage of respondents who report borrowing any moneyfrom family, relatives, or friends in the past 12 months.
Borrowed to start, operate, or expand a farm or business(% age 15+)
The percentage of respondents who report borrowing any money tostart, operate, or expand a farm or business in the past 12 months.

Coming up with emergency funds: somewhat possible (%age 15+)The percentage of respondents who report that in case of an
emergency it is somewhat possible for them to come up with
1/20 of gross national income (GNI) per capita in local currency
within the next month.
Coming up with emergency funds: very possible (% age 15+)
The percentage of respondents who report that in case of an
emergency it is very possible for them to come up with 1/20 ofgross national income (GNI) per capita in local currency within
the next month.
Credit card (% age 15+)
The percentage of respondents who report having a credit card.
Credit card used in the past year (% age 15+)
The percentage of respondents who report using their own credit
card in the past 12 months.
Debit card (% age 15+)
The percentage of respondents who report having a debit card.
Debit card in own name (% age 15+)
The percentage of respondents who report having a debit card
linked to an account with their name on it.
Debit card used in the past year (% age 15+)
The percentage of respondents who report using their own debitcard to directly make a purchase in the past 12 months.
Deposit in the past year (% with an account, age 15+)
The percentage of respondents with an account at a bank oranother type of financial institution who report one or more
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deposits into their account in the past 12 months. This includes
cash or electronic deposits or any time money is transferred into
the account by the respondent, an employer, or another person
or institution.
Deposits in a typical month: 0 (% with an account, age 15+)
The percentage of respondents with an account at a bank oranother type of financial institution who report that no money
is deposited into their account in a typical month.
Deposits in a typical month: 1 or 2 (% with an account, age 15+)
The percentage of respondents with an account at a bank oranother type of financial institution who report that money isdeposited into their account one or two times in a typical month.
Deposits in a typical month: 3+ (% with an account, age 15+)
The percentage of respondents with an account at a bank oranother type of financial institution who report that money isdeposited into their account three or more times in a typical month.
Made transaction from an account at a financial institution
using a mobile phone (% with an account, age 15+)
The percentage of respondents with an account at a bank oranother type of financial institution who report making a transaction with money from their account using a mobile phone in
the past 12 months. This can include using a mobile phone to
make payments, to make purchases, or to send or receive money.
Main mode of withdrawal: ATM (% with an account, age 15+)
The percentage of respondents with an account at a bank oranother type of financial institution who report usually obtaining
cash from their account at an automated teller machine (ATM).
Main mode of withdrawal: bank agent (% with an account,age 15+)The percentage of respondents with an account at a bank oranother type of financial institution who report usually obtaining
cash from their account from a bank agent who works at a store
or goes to their home.
Main mode of withdrawal: bank teller (% with an account,age 15+)The percentage of respondents with an account at a bank oranother type of financial institution who report usually obtaining cash from their account over the counter in a branch of theirfinancial institution.
Main mode of withdrawal: other (% with an account, age 15+)
The percentage of respondents with an account at a bank oranother type of financial institution who report usually obtaining
cash from their account in some other way.

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Main source of emergency funds: family or friends (% able
to raise funds, age 15+)
Among respondents reporting that in case of an emergency it ispossible for them to come up with 1/20 of gross national income(GNI) per capita in local currency, the percentage who cite family,
relatives, or friends as their main source of this money.
Main source of emergency funds: financial institution or
credit card (% able to raise funds, age 15+)
Among respondents reporting that in case of an emergency
it is possible for them to come up with 1/20 of gross national
income (GNI) per capita in local currency, the percentage whocite a credit card or borrowing from a bank or another type offinancial institution as their main source of this money.
Main source of emergency funds: other (% able to raise
funds, age 15+)
Among respondents reporting that in case of an emergency it ispossible for them to come up with 1/20 of gross national income(GNI) per capita in local currency, the percentage who cite someother source as their main source of this money.
Main source of emergency funds: private informal lender(% able to raise funds, age 15+)
Among respondents reporting that in case of an emergency
it is possible for them to come up with 1/20 of gross national
income (GNI) per capita in local currency, the percentage whocite a private informal lender as their main source of this money.
Main source of emergency funds: savings (% able to raise
funds, age 15+)
Among respondents reporting that in case of an emergency it ispossible for them to come up with 1/20 of gross national income(GNI) per capita in local currency, the percentage who cite savingsas their main source of this money.
Main source of emergency funds: work or loan from employer(% able to raise funds, age 15+)
Among respondents reporting that in case of an emergency
it is possible for them to come up with 1/20 of gross national
income (GNI) per capita in local currency, the percentage whocite money from working or a loan from an employer as theirmain source of this money.
Mobile money account (% age 15+)
The percentage of respondents who report personally using amobile money service in the past 12 months.2
No deposit and no withdrawal in the past year (% with anaccount, age 15+)
The percentage of respondents with an account at a bank oranother type of financial institution who report neither a deposit
into nor a withdrawal from their account in the past 12 months.

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Outstanding mortgage (% age 15+)
The percentage of respondents who report having an outstanding loan from a bank or another type of financial institution topurchase a home, an apartment, or land.
Paid school fees in the past year (% age 15+)
The percentage of respondents who report personally making
regular payments for school fees in the past 12 months.
Paid school fees: using a mobile phone (% paying school
fees, age 15+)
Among respondents reporting personally making regular payments for school fees in the past 12 months, the percentage whoreport making these payments through a mobile phone.
Paid school fees: using an account at a financial institution(% paying school fees, age 15+)
Among respondents reporting personally making regular payments for school fees in the past 12 months, the percentage
who report making these payments directly from an accountat a bank or another type of financial institution. This includes
using a debit card, a bank transfer, or a check.
Paid school fees: using cash (% paying school fees, age 15+)
Among respondents reporting personally making regular payments for school fees in the past 12 months, the percentage whoreport making these payments using cash.
Paid utility bills in the past year (% age 15+)
The percentage of respondents who report personally making
regular payments in the past 12 months for water, electricity, or
trash collection.
Paid utility bills: using a mobile phone (% paying utility
bills, age 15+)
Among respondents reporting personally making regular paymentsin the past 12 months for water, electricity, or trash collection,
the percentage who report making these payments through amobile phone.
Paid utility bills: using an account at a financial institution(% paying utility bills, age 15+)
Among respondents reporting personally making regular paymentsin the past 12 months for water, electricity, or trash collection,
the percentage who report making these payments directly froman account at a bank or another type of financial institution. This
includes using a debit card, a bank transfer, or a check.
Paid utility bills: using cash (% paying utility bills, age 15+)
Among respondents reporting personally making regular paymentsin the past 12 months for water, electricity, or trash collection,
the percentage who report making these payments using cash.

Received domestic remittances in the past year (% age 15+)
The percentage of respondents who report personally receiving
any money in the past 12 months from a relative or friend living in a different area of their country. This includes any money
received in person.
Received domestic remittances: in person and in cash (%recipients, age 15+)
Among respondents reporting personally receiving any moneyin the past 12 months from a relative or friend living in a different area of their country, the percentage who report receiving
it by having cash handed to them by a relative or friend or bysomeone else they know.
Received domestic remittances: through a financial institution (% recipients, age 15+)
Among respondents reporting personally receiving any moneyin the past 12 months from a relative or friend living in a different area of their country, the percentage who report receiving
it through a bank or another type of financial institution. This
includes at a branch, at an automated teller machine (ATM), or
through direct deposit into an account, using their own accountor someone else’s.
Received domestic remittances: through a mobile phone (%recipients, age 15+)
Among respondents reporting personally receiving any money inthe past 12 months from a relative or friend living in a different areaof their country, the percentage who report receiving it througha mobile phone, using their own account or someone else’s.
Received domestic remittances: through a money transfer
operator (% recipients, age 15+)
Among respondents reporting personally receiving any moneyin the past 12 months from a relative or friend living in a different area of their country, the percentage who report receiving
it through a money transfer operator.
Received government transfers in the past year (% age 15+)
The percentage of respondents who report personally receiving
any financial support from the government in the past 12 months.
This includes payments for educational or medical expenses,
unemployment benefits, subsidy payments, or any kind of social
benefits. It does not include wages or any payments related to work.
Received government transfers: in cash (% transfer recipients, age 15+)
Among respondents reporting personally receiving any financial
support from the government in the past 12 months, the percentage who report receiving this financial support directly in cash.

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Received government transfers: into a new and first account(% cashless transfer recipients, age 15+)
Among respondents using an account at a bank or another typeof financial institution, a card, or a mobile phone to receive financial support from the government in the past 12 months,
the percentage who report opening their first account to receive
transfers from the government.
Received government transfers: into a new but not first account (% cashless transfer recipients, age 15+)
Among respondents using an account at a bank or another typeof financial institution, a card, or a mobile phone to receive financial support from the government in the past 12 months, thepercentage who report having an account before, but openingthat particular account to receive transfers from the government.
Received government transfers: into a preexisting account(% cashless transfer recipients, age 15+)
Among respondents using an account at a bank or another typeof financial institution, a card, or a mobile phone to receive financial support from the government in the past 12 months, thepercentage who report having that particular account before they
began receiving transfers from the government.
Received government transfers: into an account at a financial
institution (% transfer recipients, age 15+)
Among respondents reporting personally receiving any financial support from the government in the past 12 months, thepercentage who report receiving this financial support directly
into an account at a bank or another type of financial institution
or into a card.
Received government transfers: through a mobile phone (%transfer recipients, age 15+)
Among respondents reporting personally receiving any financial support from the government in the past 12 months, thepercentage who report receiving this financial support througha mobile phone.
Received government transfers: withdraw all right away (%cashless transfer recipients, age 15+)
Among respondents using an account at a bank or another typeof financial institution, a card, or a mobile phone to receive financial support from the government in the past 12 months,
the percentage who report withdrawing or transferring all themoney out of the account right away.
Received government transfers: withdraw over time as needed(% cashless transfer recipients, age 15+)
Among respondents using an account at a bank or another typeof financial institution, a card, or a mobile phone to receive financial support from the government in the past 12 months, thepercentage who report withdrawing or transferring the moneyover time as needed.
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Received payments for agricultural products in the past
year (% age 15+)
The percentage of respondents who report personally receiving
money from any source for the sale of agricultural products, crops,
produce, or livestock (self- or family-owned) in the past 12 months.
Received payments for agricultural products: in cash (%recipients, age 15+)
Among respondents reporting personally receiving money fromany source for the sale of agricultural products, crops, produce,
or livestock (self- or family-owned) in the past 12 months, thepercentage who report receiving this money directly in cash.
Received payments for agricultural products: into an accountat a financial institution (% recipients, age 15+)
Among respondents reporting personally receiving money fromany source for the sale of agricultural products, crops, produce,
or livestock (self- or family-owned) in the past 12 months, thepercentage who report receiving this money directly into an account at a bank or another type of financial institution.
Received payments for agricultural products: through amobile phone (% recipients, age 15+)
Among respondents reporting personally receiving money fromany source for the sale of agricultural products, crops, produce,
or livestock (self- or family-owned) in the past 12 months, thepercentage who report receiving this money through a mobile
phone.
Received wages in the past year (% age 15+)
The percentage of respondents who report receiving any moneyfrom an employer in the past 12 months in the form of a salary or
wages for doing work. This does not include any money received
directly from clients or customers.
Received wages: employed in public sector (% wage recipients, age 15+)
Among respondents reporting receiving any money from an
employer in the past 12 months in the form of a salary or wages
for doing work, the percentage who report being employed by
the government, military, or public sector.
Received wages: in cash (% wage recipients, age 15+)
Among respondents reporting receiving any money from an
employer in the past 12 months in the form of a salary or wages
for doing work, the percentage who report receiving this money
directly in cash.
Received wages: into a new and first account (% cashless
wage recipients, age 15+)
Among respondents using an account at a bank or another typeof financial institution, a card, or a mobile phone to receive wages
in the past 12 months, the percentage who report opening theirfirst account to receive payments from an employer.

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FI NDEXGLOSSARY
Received wages: into a new but not first account (% cashless
wage recipients, age 15+)
Among respondents using an account at a bank or another typeof financial institution, a card, or a mobile phone to receive wages
in the past 12 months, the percentage who report having an
account before, but opening that particular account to receive
payments from an employer.

Saved for education or school fees (% age 15+)
The percentage of respondents who report saving or setting aside
any money in the past 12 months for education or school fees.

Received wages: into a preexisting account (% cashless wage
recipients, age 15+)
Among respondents using an account at a bank or another typeof financial institution, a card, or a mobile phone to receive wages
in the past 12 months, the percentage who report having thatparticular account before they began receiving payments froman employer.

Saved to start, operate, or expand a farm or business (%age 15+)The percentage of respondents who report saving or setting
aside any money to start, operate, or expand a farm or businessin the past 12 months.

Received wages: into an account at a financial institution(% wage recipients, age 15+)
Among respondents reporting receiving any money from an
employer in the past 12 months in the form of a salary or wages
for doing work, the percentage who report receiving this money
directly into an account at a bank or another type of financial
institution or into a card.
Received wages: through a mobile phone (% wage recipients, age 15+)
Among respondents reporting receiving any money from an
employer in the past 12 months in the form of a salary or wages
for doing work, the percentage who report receiving this money
through a mobile phone.
Received wages: withdraw all right away (% cashless wage
recipients, age 15+)
Among respondents using an account at a bank or another typeof financial institution, a card, or a mobile phone to receive wages
in the past 12 months, the percentage who report withdrawing
or transferring all the money out of the account right away.
Received wages: withdraw over time as needed (% cashless
wage recipients, age 15+)
Among respondents using an account at a bank or another typeof financial institution, a card, or a mobile phone to receive wages
in the past 12 months, the percentage who report withdrawing
or transferring the money over time as needed.
Saved any money in the past year (% age 15+)
The percentage of respondents who report personally saving or
setting aside any money for any reason and using any mode ofsaving in the past 12 months.
Saved at a financial institution (% age 15+)
The percentage of respondents who report saving or setting
aside any money by using an account at a bank or another typeof financial institution in the past 12 months.

Saved for old age (% age 15+)
The percentage of respondents who report saving or setting
aside any money in the past 12 months for old age.

Saved using a savings club or a person outside the family(% age 15+)
The percentage of respondents who report saving or setting
aside any money by using an informal savings club or a person
outside the family in the past 12 months.
Sent domestic remittances in the past year (% age 15+)
The percentage of respondents who report personally giving
or sending any of their money to a relative or friend living in adifferent area of their country in the past 12 months. This canbe money they brought themselves or sent in some other way.
Sent domestic remittances: in person and in cash (% senders, age 15+)
Among respondents reporting personally sending any money inthe past 12 months to a relative or friend living in a different areaof their country, the percentage who report handing cash to therecipient or sending it through someone they know.
Sent domestic remittances: through a financial institution(% senders, age 15+)
Among respondents reporting personally sending any money inthe past 12 months to a relative or friend living in a different areaof their country, the percentage who report sending it througha bank or another type of financial institution. This includes at a
branch, at an automated teller machine (ATM), or through direct
deposit into an account, using their own account or someone else’s.
Sent domestic remittances: through a mobile phone (%senders, age 15+)
Among respondents reporting personally sending any money inthe past 12 months to a relative or friend living in a different areaof their country, the percentage who report sending it througha mobile phone, using their own account or someone else’s.
Sent domestic remittances: through a money transfer operator (% senders, age 15+)
Among respondents reporting personally sending any money inthe past 12 months to a relative or friend living in a different area

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FINDEXGLOSSARYof their country, the percentage who report sending it througha money transfer operator.
Used a mobile phone to pay for school fees (% age 15+)
The percentage of respondents who report making a payment
for school fees through a mobile phone in the past 12 months.
Used a mobile phone to pay utility bills (% age 15+)
The percentage of respondents who report making a payment
for water, electricity, or trash collection through a mobile phonein the past 12 months.
Used an account at a financial institution to make a transaction through a mobile phone (% age 15+)
The percentage of respondents who report making a transaction with money from their account at a bank or another type offinancial institution using a mobile phone in the past 12 months.
This can include using a mobile phone to make payments, tomake purchases, or to send or receive money.

Withdrawal in the past year (% with an account, age 15+)
The percentage of respondents with an account at a bank oranother type of financial institution who report one or more withdrawals from their account in the past 12 months. This includes
cash or electronic withdrawals or any time money is removed
from the account by the respondent, an employer, or anotherperson or institution.
Withdrawals in a typical month: 0 (% with an account, age 15+)
The percentage of respondents with an account at a bank oranother type of financial institution who report that no money
is withdrawn from their account in a typical month.
Withdrawals in a typical month: 1 or 2 (% with an account,age 15+)The percentage of respondents with an account at a bank oranother type of financial institution who report that money iswithdrawn from their account one or two times in a typical month.

Used an account at a financial institution to pay for school
fees (% age 15+)
The percentage of respondents who report making a payment
for school fees directly from an account at a bank or another typeof financial institution in the past 12 months.

Withdrawals in a typical month: 3+ (% with an account,age 15+)The percentage of respondents with an account at a bank oranother type of financial institution who report that money iswithdrawn from their account three or more times in a typicalmonth.

Used an account at a financial institution to pay utility bills(% age 15+)
The percentage of respondents who report making a payment forwater, electricity, or trash collection directly from an account at abank or another type of financial institution in the past 12 months.

NOTES

Used an account to receive government transfers (% age 15+)
The percentage of respondents who report receiving any financial
support from the government directly into an account at a bankor another type of financial institution, into a card, or through amobile phone in the past 12 months.
Used an account to receive wages (% age 15+)
The percentage of respondents who report receiving a salaryor wages directly into an account at a bank or another type offinancial institution, into a card, or through a mobile phone in
the past 12 months.
Used the Internet to pay bills or make purchases (% age 15+)
The percentage of respondents who report paying bills or making purchases online using the Internet in the past 12 months.

1. Account at a financial institution includes respondents
who report having an account at a bank or at another typeof financial institution, such as a credit union, microfinanceinstitution, cooperative, or the post office (if applicable), or
having a debit card in their own name. It includes an additional 2.77 percent of respondents who report receiving
wages, government transfers, or payments for agricultural
products into an account at a financial institution in the past 12
months; paying utility bills or school fees from an account at afinancial institution in the past 12 months; or receiving wages
or government transfers into a card in the past 12 months.
2. Mobile money account includes respondents who reportpersonally using GSM Association (GSMA) Mobile Money for
the Unbanked (MMU) services in the past 12 months to pay
bills or to send or receive money. It includes an additional
0.28 percent of respondents who report receiving wages,
government transfers, or payments for agricultural products
through a mobile phone in the past 12 months.

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