Country table

|||**Accoun**|**ts and**|**paym**|**ents**|||**S**|**aving,**|**credit, and**|**insuran**|**ce**|||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
||S|hare with<br>|an accou<br>|nt<br>|||||||||||
|||at a form<br>inst|al fnancia<br>itution|l|Adults<br>in||Adults savi<br>in the past y|ng<br>ear|Adult|s originating a<br>in the past ye|new loan<br>ar|||Adlt|
||||||usg<br>bil|||Ui|||||Adl|us<br>i|
||||||moe<br>|||sng a<br>|||||uts<br> <br>|payng<br>|
||<br>ad<br>|All<br>ults<br>|Poorest<br>income<br>quintile <br>|Women<br>|money in<br>the past<br>year<br>|a for<br>|Using<br>mal account<br>|community-<br>based<br>method<br>|Fro<br>fnanci<br>|m a formal<br>al institution<br>|From<br>family or<br>friends<br>|Adults with<br>a credit<br>card<br>|with an<br>outstanding<br>mortgage<br><br>|<br>personally<br>for health<br>insurance<br>|
||(%)|SE|(%)|(%)|(%)<sup>a</sup>|(%)|SE|(%)|(%)|SE|(%)|(%)|(%)|(%)|
|Paraguay|22|_2.1_|4|23|7|10|_1.7_|2|13|_1.6_|15|9|1|6|
|Peru|20|_1.6_|6|18|4|9|_1.1_|4|13|_1.5_|14|10|1|4|
|Philippines|27|_2.6_|4|34|15|15|_1.8_|7|11|_1.0_|39|3|4|5|
|Poland|70|_1.8_|60|68|—|18|_1.4_|1|10|_1.1_|13|18|3|—|
|Portugal|81|_1.7_|64|78|—|26|_1.8_|2|8|_1.2_|7|30|23|—|
|Qatar|66|_1.9_|47|62|—|25|_1.6_|9|13|_1.2_|31|32|19|—|
|Romania|45|_2.7_|25|41|1|9|_1.0_|0|8|_1.1_|18|12|4|6|
|Russian Federation|48|_1.6_|34|48|3|11|_1.0_|1|8|_0.8_|23|10|1|7|
|Rwanda|33|_2.7_|23|28|4|18|_2.4_|4|8|_1.4_|28|3|2|5|
|Saudi Arabia|46|_1.8_|32|15|—|17|_1.7_|4|2|_0.5_|26|17|12|—|
|Senegal|6|_1.0_|4|5|1|4|_0.7_|5|4|_0.8_|26|1|0|1|
|Serbia|62|_2.1_|47|62|3|3|_0.7_|3|12|_1.4_|29|23|1|4|
|Sierra Leone|15|_1.9_|4|13|2|14|_2.1_|10|6|_1.0_|43|2|0|1|
|Singapore|98|_0.6_|98|98|—|58|_1.9_|0|10|_1.1_|16|37|19|—|
|Slovak Republic|80|_1.9_|66|79|—|37|_2.1_|2|11|_1.5_|18|20|7|—|
|Slovenia|97|_0.7_|92|98|—|29|_1.8_|6|13|_1.3_|13|39|10|—|
|Somalia|31|_2.2_|12|27|34|14|_1.7_|9|2|_0.5_|26|1|5|0|
|South Africa|54|_2.3_|35|51|11|22|_1.9_|14|9|_1.3_|34|8|4|7|
|Spain|93|_1.1_|91|92|—|35|_1.9_|2|11|_1.3_|12|42|32|—|
|Sri Lanka|69|_3.3_|52|67|3|28|_3.6_|9|18|_2.5_|13|4|4|8|
|Sudan|7|_1.2_|4|4|52|3|_0.6_|9|2|_0.5_|47|1|6|9|
|Swaziland|29|_2.4_|12|27|20|18|_2.0_|8|12|_1.4_|51|13|6|8|
|Sweden|99|_0.5_|99|99|—|64|_2.0_|6|23|_1.8_|12|54|54|—|
|Syrian Arab Republic|23|_1.6_|20|20|0|5|_0.7_|1|13|_1.2_|20|3|5|10|
|Taiwan, China|87|_1.4_|77|88|—|46|_1.9_|5|10|_1.1_|7|46|21|—|
|Tajikistan|3|_0.6_|1|2|29|0|_0.1_|2|5|_0.9_|25|1|0|1|
|Tanzania|17|_1.6_|3|14|23|12|_1.3_|8|7|_1.0_|46|4|4|3|
|Thailand|73|_2.9_|64|73|3|43|_3.5_|5|19|_3.4_|8|5|5|24|
|Togo|10|_1.2_|2|9|1|4|_0.7_|4|4|_0.7_|19|1|2|1|
|Trinidad and Tobago|76|_2.9_|70|70|—|44|_3.5_|10|8|_1.4_|11|15|1|—|
|Tunisia|32|_2.2_|14|25|0|5|_0.8_|2|3|_0.7_|21|4|2|6|
|Turkey|58|_2.0_|46|33|5|4|_0.9_|1|5|_0.9_|43|45|1|4|
|Turkmenistan|0|_0.1_|0|1|0|0|_0.1_|1|1|_0.3_|26|0|1|0|
|Uganda|20|_2.0_|7|15|27|16|_2.0_|19|9|_1.2_|46|2|1|1|
|Ukraine|41|_2.4_|21|39|12|5|_1.0_|2|8|_1.3_|37|19|1|2|
|United Arab Emirates|60|_2.2_|57|47|—|19|_1.8_|5|11|_1.7_|24|30|18|—|
|United Kingdom|97|_0.7_|97|98|—|44|_2.0_|5|12|_1.3_|14|52|31|—|
|United States|88|_1.4_|74|84|—|50|_2.0_|6|20|_1.5_|17|62|31|—|
|Uruguay|24|_1.9_|7|24|1|6|_0.9_|1|15|_1.6_|6|27|2|9|
|Uzbekistan|23|_1.8_|15|21|6|1|_0.3_|4|1|_0.4_|12|3|0|1|
|Venezuela, RB|44|3.8|27|36|3|14|2.2|6|2|0.5|10|10|0|6|
|Vietnam|21|3.2|6|19|7|8|1.5|5|16|2.4|31|1|3|18|
|West Bank and Gaza|19|1.9|8|10|4|5|0.9|3|4|0.9|42|4|5|5|
|Yemen, Rep.|4|0.7|0|1|2|1|0.2|3|1|0.3|45|0|1|0|
|Zambia|21|1.9|8|23|5|12|1.3|7|6|1.1|42|4|1|1|
|Zimbabwe|40|2.0|22|37|4|17|1.7|11|5|0.8|57|6|1|15|

- = not available.

_Note:_ Complete data can be found on the Global Findex Web site (http://www.worldbank.org/globalfindex).

a. Data refer to adults who report having used a mobile phone in the past year to pay bills or send or receive money. _Source:_ Demirguc-Kunt and Klapper 2012.

**52**

MEASURING FINANCIAL INCLUSION