|**9**<br>In the past 12 months, have you used your account(s) to (read<br>A-D)?|**14**<br>In the past 12 months, have you borrowed any money from<br>(read A-E)?|
|---|---|
|**A**<br>Receive moneyorpayments for work or from selling goods|**A**<br>A bank, credit union (or another fnancial institution, where<br>|
|**B**<br>Receive moneyorpayments from thegovernment|applicable – for example, cooperatives in Latin America), or<br>microfnance institution|
|**C**<br>Receive moneyfrom familymembers livingelsewhere||
|**D**<br>Send moneyto familymembers livingelsewhere|**B**<br>A store byusinginstallment credit or buyingon credit<br>**C**<br>Familyor friends|
|1<br>Yes||
|2<br>No|**D**<br>Employer|
|3<br>(DK)|**E**<br>Another private lender (Translation note: Should include “infor-<br>mal moneylenders”)|
|4<br>(Refused)|1<br>Yes|
|**10**<br>Please tell me whether each of the following is a reason why you,<br>ll DO NOT h t t bk dit i|2<br>No|
|personay, ave an accoun a a an, cre unon or<br>other fnancial institution. (Read & rotate A-G)|3<br>(DK)<br><br>|
|**A**<br>Theyare too far away|4<br>(Refused)|
|**B**<br>Theyare too expensive|**15**<br>Do you currently have a loan you took out for any of the following<br>|
|**C**<br>You don’t have the necessarydocumentation (ID,wage slip)|reasons? (Read A-E)|
|<br>**D**<br>You don’t trust them|**A**<br>Topurchaseyour home or apartment|
|**E**<br>You don’t have enough moneyto use them|**B**<br>To purchase materials or services to build, extend, or renovate<br>your home or apartment*|
|**F**<br>Because of religious reasons|**C**<br>Topayschool fees*|
|**G**<br>Because someone else in the familyalreadyhas an account<br>|**D**<br>For emergency/healthpurposes*|
|1<br>Yes|*|
||**E**<br>For funerals or weddings|
|2<br>No<br><br>|1<br>Yes|
|3<br>(DK)||
|4<br>(Refused)|2<br>No<br>3<br>(DK)|
|**11**<br>In thepast 12 months,haveyou saved or set aside anymoney?<br><br>|4<br>(Refused)|
|1<br>Yes|**15a1**<br>In the past 12 months, have you used a mobile phone to (read|
|2<br>No|A-C)?*|
|3<br>(DK)|**A**<br>Paybills|
|4<br>(Refused)<br><br>|**B**<br>Send money|
|**12**<br>In thepast 12 months,haveyou saved for (read A-B)?|**C**<br>Receive money|
|**A**<br>Expenses in the future such as education, a wedding, or a big<br>h|1<br>Yes|
|purcase|2<br>No|
|**B**<br>Emergencies or a time whenyou expect to have less income|3<br>(DK)|
|1<br>Yes<br><br>|4<br>(Refused)|
|2<br>No|**16**<br>Do you, personally, have health or medical insurance [(where|
|3<br>(DK)|<br>applicable,read:) in addition to national health insurance]?*|
|4<br>(Refused)||
||1<br>Yes|
|**13**<br>In the past 12 months, have you saved or set aside money by|2<br>No|
|(read A-B)?<br>|3<br>(DK)|
|**A**<br>Using an account at a bank, credit union (or another fnancial<br>iii h libl f l i i Li|4<br>(Refused)|
|nsttuton, were appcae – or exampe, cooperatves n atn<br>|**1**<br> ?*|
|America),or microfnance institution|**7**<br>Didyou, personally, purchase this insurance|
|**B**<br>Using an informal savings club or a person outside the family (If|1<br>Yes|
|<br>necessary, provide local examples (chit fund, tontine, merry-go-|2<br>No|
|round,ROSCA,burial society,etc.)|3<br>(DK)|
|1<br>Yes|4<br>(Refused)|
|2<br>No|**18**<br>In the past 12 months, have you personally paid for crop, rain-|
|3<br>(DK)|fall,or livestock insurance?*|
|4<br>(Refused)|1<br>Yes|
||2<br>No|
||3<br>(DK)|
||4<br>(Refused)|

* Question omitted in high-income economies.

_Note:_ DK = don’t know. The questionnaire is available in 14 other languages on the Global Findex Web site (http://www.worldbank.org/globalfindex). _Source:_ Demirguc-Kunt and Klapper 2012.

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MEASURING FINANCIAL INCLUSION