FINAL7template_2011_FINDEX_v01_M
DDI_SOM_2011_FINDEX_v01_M_WB
World Bank
2012-11-12
Nesstar Publisher
FINAL7template_2011_FINDEX_v01_M
Global Financial Inclusion (Global Findex) Database 2011
FINDEX 2011
SOM_2011_FINDEX_v01_M
Development Research Group, Finance and Private Sector Development Unit
Gallup, Inc.
2012-05-22
Nesstar Publisher
Development Research Group, World Bank
The Bill and Melinda Gates Foundation
Global Findex
Somalia
The sample includes only the Somaliland region. The excluded area represents approximately 65% of the total adult population.
Individual
The target population is the civilian, non-institutionalized population 15 years and above.
Sample survey data [ssd]
The Global Findex database includes indicators measuring how adults in 148 economies save, borrow, make payments, and manage risk. More specifically, the database includes indicators on the use of formal accounts, the frequency of formal account use, mode of formal account use (ATM, bank, bank agent, etc.), purposes of formal account use (remittances, government payments, wage payments, etc.), self-reported reasons for not having a formal account, savings behavior, savings method (bank, informal savings club, etc)), sources of borrowing (bank, friends/family, informal lender, etc.), purposes of borrowing (home purchase, school fees, emergency/health, funerals/weddings), the use of mobile phones to make payments, and the purchase of health and agriculture insurance.
Face-to-face [f2f]
Interviews were conducted in the following languages: Somali.
Data weighting is used to ensure a nationally representative sample for each economy. First, base sampling weights are constructed to account for oversamples and household size. If an oversample has been conducted, the data are weighted to correct the disproportionate sample. Weighting by household size (number of residents age 15 and above) is used to adjust for the probability of selection, as residents in large households will have a disproportionately lower probability of being selected for the sample. Second, poststratification weights are constructed. Population statistics are used to weight the data by gender, age, and, where reliable data are available, education or socioeconomic status.
Estimates of standard errors (which account for sampling error) vary by country and indicator. For country- and indicator-specific standard errors, refer to the Annex and Country Table in Demirguc-Kunt, Asli and L. Klapper. 2012. "Measuring Financial Inclusion: The Global Findex." Policy Research Working Paper 6025, World Bank, Washington, D.C.
Global Findex
The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses.
micro_SOM.NSDstat
1000
50
Nesstar 200801
Economy
1000
0
Somalia
1000
Economy code
1000
0
SOM
1000
weight
1000
0
0.434
2.161
1
0.424
Respondent is female
Interviewer coded.
1000
1000
0
0
1
male
478
512.452
2
female
522
487.548
Respondent age
Please tell me your age.
1000
1000
0
0
33.942
1
1
0
0
2
2
0
0
3
3
0
0
4
4
0
0
5
5
0
0
6
6
0
0
7
7
0
0
8
8
0
0
9
9
0
0
10
10
0
0
11
11
0
0
12
12
0
0
13
13
0
0
14
14
0
0
15
15
14
13.678
16
16
31
30.691
17
17
33
34.024
18
18
33
33.782
19
19
44
48.916
20
20
46
48.073
21
21
29
29.177
22
22
27
33.086
23
23
24
23.025
24
24
27
27.393
25
25
63
59.851
26
26
33
33.083
27
27
32
27.931
28
28
34
32.183
29
29
17
17.186
30
30
73
64.301
31
31
10
9.017
32
32
19
16.22
33
33
10
8.955
34
34
19
14.639
35
35
39
28.998
36
36
23
17.411
37
37
12
10.022
38
38
19
18.45
39
39
13
11.525
40
40
37
28.732
41
41
4
2.775
42
42
24
16.295
43
43
12
9.009
44
44
5
4.341
45
45
34
25.379
46
46
7
4.235
47
47
5
4.271
48
48
11
8.904
49
49
8
6.282
50
50
23
32.845
51
51
4
6.792
52
52
8
11.731
53
53
7
12.5
54
54
6
11.422
55
55
11
19.01
56
56
5
6.996
57
57
3
4.141
58
58
3
4.835
59
59
3
4.193
60
60
18
26.545
61
61
1
1.337
62
62
6
10.393
63
63
0
0
64
64
2
2.674
65
65
8
11.342
66
66
0
0
67
67
0
0
68
68
1
2.161
69
69
0
0
70
70
7
9.076
71
71
0
0
72
72
2
3.242
73
73
1
2.161
74
74
1
1.441
75
75
2
3.602
76
76
1
2.161
77
77
0
0
78
78
1
0.669
79
79
0
0
80
80
3
3.777
81
81
0
0
82
82
0
0
83
83
0
0
84
84
0
0
85
85
1
1.441
86
86
0
0
87
87
0
0
88
88
0
0
89
89
0
0
90
90
1
1.671
91
91
0
0
92
92
0
0
93
93
0
0
94
94
0
0
95
95
0
0
96
96
0
0
97
97
0
0
98
98
0
0
99
99+
0
0
100
(refused)
0
0
Respondent education level
What is your highest completed level of education?
1000
1000
0
0
1
completed primary or less
684
667.859
2
secondary
264
279.249
3
completed tertiary or more
52
52.892
4
(dk)
0
0
5
(rf)
0
0
Respondents were given 25 options. Variable has been recoded into three categories.
Within-econonmy income quintile
What is your total monthly household income in [insert local currency], before taxes? Please include income from wages and salaries, remittances from family members living elsewhere, farming, and all other sources.
1000
1000
0
0
1
poorest 20%
207
185.188
2
second 20%
204
195.014
3
middle 20%
259
259.787
4
fourth 20%
139
145.655
5
richest 20%
191
214.356
Has an account at a financial instititution
Do you, either by yourself or together with someone else, currently have an account at any of the following places? An account can be used to save money, to make or receive payments, or to receive wages and remittances. Do you currently have an account at a bank or credit union (or another financial institution, where applicable - for example, cooperatives in Latin America)
1000
1000
0
0
1
yes
290
308.397
2
no
707
688.83
3
(dk)
3
2.773
4
(ref)
0
0
Has an account at a financial institution/post office/MFI (composite indicator)
Composite indicator.
1000
1000
0
0
1
yes
292
310.148
2
no
708
689.852
3
(dk)
0
0
4
(ref)
0
0
Equal to 1 if respondent has an account at a formal financial institution or post office, a debit card or saves at an microfinance institution (MFI), otherwise 0.
If has account: purpose of account
Do you use your account(s) for personal transactions, business purposes, or both?
Asked to those with an account
290
308.397
710
691.603
1
personal transactions
223
239.817
2
business purposes
20
21.536
3
both
47
47.043
4
(dk)
0
0
5
(refused)
0
0
Sysmiss
710
691.603
Has a debit card
A debit card [(where applicable, read:) sometimes called [insert local example(s) here - a bank card, bank book or salary card] is a card that allows you to make payments, get money, or buy things and the money is taken out of your bank account right away. Do you have a debit card?
1000
1000
0
0
1
yes
141
156.385
2
no
859
843.615
3
(dk)
0
0
4
(ref)
0
0
Has a credit card
A credit card is like a debit card, but the money is not taken from your account right away. You get credit to make payments or buy things, and you can pay the balance off later. Do you have a credit card?
1000
1000
0
0
1
yes
13
14.673
2
no
986
984.46
3
(dk)
1
0.868
4
(ref)
0
0
If has account: number of monthly deposits into account
In a typical month, about how many times is money deposited into your personal account(s)? This includes cash or electronic deposits, or any time money is put into your account(s) by yourself or others (read 1-4).
Asked to those with an account.
292
310.148
708
689.852
1
0
8
8.448
2
1 - 2 times
118
128.006
3
3 - 5 times
78
82.507
4
6 times or more
88
91.186
5
(dk)
0
0
6
(refused)
0
0
Sysmiss
708
689.852
If has account: number of monthly withdrawals from account
In a typical month, about how many times is money taken out of your personal account(s)? This includes cash withdrawals, electronic payments or purchases, checks, or any other time money is removed from your account(s) by yourself or others (read 1-4)
Asked to those with an account.
292
310.148
708
689.852
1
0
4
4.04
2
1 - 2 times
95
99.834
3
3 - 5 times
79
82.316
4
6 times or more
114
123.958
5
(dk)
0
0
6
(refused)
0
0
Sysmiss
708
689.852
If has account: most frequent mode of cash withdrawal
When you need to get cash (paper or coins) from your account(s), do you usually get it (read 1-4)?
Asked to those with an account.
292
310.148
708
689.852
1
at an atm
78
83.091
2
over the counter in a branch of your bank or financial institution
162
173.538
3
over the counter at a retail store, or
48
48.296
4
from some other person who is associated with your bank or financial institution
4
5.223
5
(do not withdraw cash)
0
0
6
(dk)
0
0
7
(refused)
0
0
Sysmiss
708
689.852
If has account: most frequent mode of cash deposit
When you put cash (paper or coins) into your account(s), do you usually do it (read 1-4)?
Asked to those with an account.
292
310.148
708
689.852
1
at an atm
64
63.771
2
over the counter in a branch of your bank or financial institution
171
187.689
3
over the counter at a retail store, or
54
55.626
4
using some other person who is associated with your bank or financial institution
3
3.062
5
(do not deposit cash)
0
0
6
(dk)
0
0
7
(refused)
0
0
Sysmiss
708
689.852
If has account: uses checks
In the past 12 months, have you used checks to make payments on bills or to buy things using money from your account(s)?
Asked to those with an account.
292
310.148
708
689.852
1
yes
66
72.197
2
no
226
237.951
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
708
689.852
If has account: uses electronic payments
In the past 12 months, have you used electronic payments that you make or that are made automatically (including wire transfers or payments made online) to make payments on bills or to buy things using money from your account(s)?
Asked to those with an account.
292
310.148
708
689.852
1
yes
203
214.518
2
no
89
95.63
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
708
689.852
If has account: uses it to receive work payments
In the past 12 months, have you used your account(s) to receive money or payments for work or from selling goods?
Asked to those with an account.
292
310.148
708
689.852
1
yes
145
158.353
2
no
147
151.795
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
708
689.852
If has account: uses it to receive gov't payments
In the past 12 months, have you used your account(s) to receive money or payments from the government?
Asked to those with an account.
292
310.148
708
689.852
1
yes
48
50.37
2
no
244
259.778
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
708
689.852
If has account: uses it to receive money from family
In the past 12 months, have you used your account(s) to receive money from family members living elsewhere?
Asked to those with an account.
292
310.148
708
689.852
1
yes
191
204.955
2
no
101
105.193
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
708
689.852
If has account: uses it to send money to family
In the past 12 months, have you used your account(s) to send money to family members living elsewhere?
Asked to those with an account.
292
310.148
708
689.852
1
yes
180
190.685
2
no
109
117.199
3
(dk)
0
0
4
(ref)
3
2.264
Sysmiss
708
689.852
If does not have account: b/c too far away
Asked to those without an account. Multiple responses for not having an account permitted.
708
689.852
292
310.148
1
yes
342
322.881
2
no
365
365.575
3
(dk)
1
1.396
4
(ref)
0
0
Sysmiss
292
310.148
If does not have account: b/c too expensive
Asked to those without an account. Multiple responses for not having an account permitted.
708
689.852
292
310.148
1
yes
285
271.899
2
no
422
417.155
3
(dk)
1
0.798
4
(ref)
0
0
Sysmiss
292
310.148
If does not have account: b/c lack documentation
Asked to those without an account. Multiple responses for not having an account permitted.
708
689.852
292
310.148
1
yes
274
266.611
2
no
433
422.443
3
(dk)
1
0.798
4
(ref)
0
0
Sysmiss
292
310.148
If does not have account: b/c lack trust
Asked to those without an account. Multiple responses for not having an account permitted.
708
689.852
292
310.148
1
yes
226
222.379
2
no
482
467.473
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
292
310.148
If does not have account: b/c lack of money
Asked to those without an account. Multiple responses for not having an account permitted.
708
689.852
292
310.148
1
yes
537
516.84
2
no
171
173.012
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
292
310.148
If does not have account: b/c religious reasons
Asked to those without an account. Multiple responses for not having an account permitted.
708
689.852
292
310.148
1
yes
70
63.255
2
no
635
623.877
3
(dk)
3
2.719
4
(ref)
0
0
Sysmiss
292
310.148
If does not have account: b/c family member already has one
Asked to those without an account. Multiple responses for not having an account permitted.
708
689.852
292
310.148
1
yes
116
123.198
2
no
590
564.824
3
(dk)
2
1.83
4
(ref)
0
0
Sysmiss
292
310.148
Has saved money in the past 12 months
In the past 12 months, have you saved or set aside any money?
1000
1000
0
0
1
yes
204
218.411
2
no
796
781.589
3
(dk)
0
0
4
(ref)
0
0
If saved: saved for future expenses (education, wedding)
In the past 12 months, have you saved for: Expenses in the future such as education, a wedding, or a big purchase
Asked to those who said they saved money in the past 12 months.
204
218.411
796
781.589
1
yes
124
125.638
2
no
80
92.774
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
796
781.589
If saved: saved for emergencies
In the past 12 months, have you saved for: Emergencies or a time when you expect to have less income
Asked to those who said they saved money in the past 12 months.
204
218.411
796
781.589
1
yes
136
146.811
2
no
68
71.6
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
796
781.589
If saved: saved at a financial institution
In the past 12 months, have you saved or set aside money by using an account at a bank, credit union (or another financial institution, where applicable - for example, cooperatives in Latin America), or microfinance institution
Asked to those who said they saved money in the past 12 months.
204
218.411
796
781.589
1
yes
123
136.169
2
no
81
82.242
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
796
781.589
If saved: saved using a savings club
In the past 12 months, have you saved or set aside money by using an informal savings club or a person outside the family (If necessary, provide local examples (chit fund, tontine, merry-go-round, ROSCA, burial society, etc.)
Asked to those who said they saved money in the past 12 months.
204
218.411
796
781.589
1
yes
81
86.267
2
no
123
132.145
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
796
781.589
Borrowed money from financial institution in past 12 months
In the past 12 months, have you borrowed any money from a bank, credit union (or another financial institution, where applicable - for example, cooperatives in Latin America), or microfinance institution?
1000
1000
0
0
1
yes
15
15.683
2
no
984
983.457
3
(dk)
1
0.86
4
(ref)
0
0
Borrowed money from a store (store credit) in past 12 months
In the past 12 months, have you borrowed any money from a store by using installment credit or buying on credit?
1000
1000
0
0
1
yes
111
117.369
2
no
889
882.631
3
(dk)
0
0
4
(ref)
0
0
Borrowed money from family or friends in past 12 months
In the past 12 months, have you borrowed any money from family or friends?
1000
1000
0
0
1
yes
259
262.201
2
no
741
737.799
3
(dk)
0
0
4
(ref)
0
0
Borrowed money from employer in past 12 months
In the past 12 months, have you borrowed any money from employer?
1000
1000
0
0
1
yes
65
72.136
2
no
934
927.004
3
(dk)
1
0.86
4
(ref)
0
0
Borrowed money from another private lender in past 12 months
In the past 12 months, have you borrowed any money from another private lender?
1000
1000
0
0
1
yes
74
80.007
2
no
926
919.993
3
(dk)
0
0
4
(ref)
0
0
Currently has loan for home purchase
Do you currently have a loan you took out for any of the following reasons? To purchase your home or apartment.
1000
1000
0
0
1
yes
56
54.259
2
no
944
945.741
3
(dk)
0
0
4
(ref)
0
0
Personally has health insurance in addition to nat'l insurance
Do you, personally, have health or medical insurance [(where applicable, read:) in addition to national health insurance]?
1000
1000
0
0
1
yes
6
7.974
2
no
994
992.026
3
(dk)
0
0
4
(ref)
0
0
If has insurance: has personally purchased insurance
Did you, personally, purchase this insurance?
Asked to those who said they personally purchased health insurance.
6
7.974
994
992.026
1
yes
3
4.513
2
no
3
3.461
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
994
992.026
If ag worker: has personally paid for crop/rainfall/livestock insurance
In the past 12 months, have you personally paid for crop, rainfall, or livestock insurance?
Asked to agricultural workers only.
128
124.711
872
875.289
1
yes
27
25.012
2
no
101
99.698
3
(dk)
0
0
4
(ref)
0
0
Sysmiss
872
875.289
Currently has loan for home construction
Do you currently have a loan you took out for any of the following reasons? To purchase materials or services to build, extend, or renovate your home or apartment.
1000
1000
0
0
1
yes
50
51.509
2
no
949
947.893
3
(dk)
1
0.598
4
(ref)
0
0
Currently has loan for school fees
Do you currently have a loan you took out for any of the following reasons? To pay school fees.
1000
1000
0
0
1
yes
141
145.302
2
no
858
854.1
3
(dk)
1
0.598
4
(ref)
0
0
Currently has loan for emergency/health purposes
Do you currently have a loan you took out for any of the following reasons? For emergency/health purposes.
1000
1000
0
0
1
yes
186
187.721
2
no
813
811.681
3
(dk)
1
0.598
4
(ref)
0
0
Currently has loan for funeral/wedding
Do you currently have a loan you took out for any of the following reasons? For funerals or weddings.
1000
1000
0
0
1
yes
101
105.459
2
no
897
892.746
3
(dk)
2
1.795
4
(ref)
0
0
Has used a mobile phone to pay bills in past 12 months
In the past 12 months, have you used a mobile phone to pay bills?
1000
1000
0
0
1
yes
251
261.737
2
no
749
738.263
3
(dk)
0
0
4
(ref)
0
0
Has used a mobile phone to send money in past 12 months
In the past 12 months, have you used a mobile phone to send money?
1000
1000
0
0
1
yes
299
317.127
2
no
701
682.873
3
(dk)
0
0
4
(ref)
0
0
Has used a mobile phone to receive money in past 12 months
In the past 12 months, have you used a mobile phone to receive money?
1000
1000
0
0
1
yes
307
322.069
2
no
693
677.931
3
(dk)
0
0
4
(ref)
0
0