from the little 12financial inclusion
TRANSCRIPT
From World Development Indicators
The Little Data Book on Financial Inclusion
12Account at a Formal Financial Institution
Access to Formal Accounts
Use of Formal Accounts
Mobile Payments
Savings
Credit
Insurance
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2012 THE LITTLEDATA BOOK ON FINANCIAL INCLUSION
Copyright © 2012 by the International Bank forReconstruction and Development/THE WORLD BANK
1818 H Street, N.W.Washington, D.C. 20433
U.S.A.
All rights reservedManufactured in the United States of America
First printing April 2012
ISBN: 978-0-8213-9509-7eISBN: 978-0-8213-9518-9
DOI: 10.1596/978-0-8213-9509-7SKU: 19509
The Little Data Book on Financial Inclusion 2012 is a product of the Development Data Group of the Development
Economics Vice Presidency and the Finance and Private Sector Development Team of the Development Research Group of the
Development Economics Vice Presidency of the World Bank.
Cover design by Peter Grundy Art & Design, London, U.K. Design by Communications Development Incorporated, Washington, D.C.
iiiThe Little Data Book on Financial Inclusion 2012
Acknowledgments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . iv
Foreword. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .v
Data notes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .vii
Regional tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
World . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
East Asia and Pacific . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Europe and Central Asia. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Latin America and the Caribbean . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Middle East and North Africa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
South Asia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Sub-Saharan Africa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Income group tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Low income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Middle income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Lower middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Upper middle income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Low and middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
High income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Euro area . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Country tables (in alphabetical order) . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Glossary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 163
Reference. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 167
Contents
iv 2012 The Little Data Book on Financial Inclusion
The Little Data Book on Financial Inclusion 2012 was prepared by the
Finance and Private Sector Development Team of the Development
Research Group, by a team led by Leora Klapper under the supervision of
Asli Demirguc-Kunt and comprising Asli T. Egrican, Douglas Randall, Dorothe
Singer, and Peter Van Oudheusden. The team was assisted by Mantejwinder
K. Jandu and Paulina Sintim-Aboagye. The work was carried out under the
management of Martin Ravallion and Justin Yifu Lin. We thank Franklin Allen,
Oya Pinar Ardic Alper, Thorsten Beck, Massimo Cirasino, Robert Cull,
Tilman Ehrbeck, Michael Fuchs, Xavi Gine, Markus Goldstein, Richard Hinz,
Jake Kendall, Aart Kraay, Alexia Latortue, Sole Martinez Peria, Ignacio
Mas-Ribo, Jonathan Morduch, Nataliya Mylenko, Mark Napier, Douglas
Pearce, Bikki Randhawa, Richard Rosenberg, Armida San Jose, Kinnon
M. Scott, Peer Stein, Gaiv Tata, Jeanette Thomas, Klaus Tilmes, Augusto
de la Torre, Rodger Voorhies, and Alan Winters for providing substantive
comments during various stages of the project. The team is also grateful
for the excellent survey execution and related support provided by Gallup,
Inc. under the direction of Jim Clifton.
We are especially grateful to the Bill & Melinda Gates Foundation for provid-
ing financial support making the collection of the data and its dissemination
possible.
Production of this volume was managed by the Development Data Group,
under the direction of Shaida Badiee. Substantial contributions were made
by Shelley Fu, Buyant Khaltarkhuu, and William Prince, with additional sup-
port provided by Azita Amjadi, Alison Kwong, Jomo Tariku, and Sup Lee.
The book’s design was done by Jomo Tariku based on an original design
by Communications Development Incorporated. Typesetting was done by
Barton Matheson Willse & Worthington. Staff from External Affairs oversaw
publication and distribution of the book and Alison Strong provided edito-
rial assistance.
The reference citation for the data provided in this book is: Demirguc-Kunt,
Asli and Leora Klapper, 2012. “Measuring Financial Inclusion: The Global
Findex Database.” World Bank Policy Research Working Paper 6025, World
Bank, Washington, D.C.
Acknowledgments
vThe Little Data Book on Financial Inclusion 2012
ForewordThe Little Data Book on Financial Inclusion 2012 is a pocket edition of the
Global Financial Inclusion Database published in 2012 in Measuring Financial
Inclusion: The Global Findex Database by Asli Demirguc-Kunt and Leora
Klapper. It provides country-level indicators of financial inclusion summarized
for all adults and disaggregated by key demographic characteristics—gender,
age, education, income, and rural or urban residence. The book also includes
summary pages by region and by income group aggregates. Covering 148
economies, the indicators of financial inclusion measure the use of formal
bank accounts, payments behavior, savings patterns, credit patterns, and
insurance decisions.
Access to financial services plays a critical part in development by facilitat-
ing economic growth and reducing income inequality. Inclusive financial
systems allow poor people to smooth their consumption and insure
themselves against economic vulnerabilities, from illness and accidents
to theft and unemployment. Financial access enables poor people to save
and to borrow—allowing them to build their assets, to invest in education
and entrepreneurial ventures, and thus to improve their livelihoods. Inclusive
finance is especially likely to benefit disadvantaged groups such as women,
youth, and rural communities. For all these reasons financial inclusion has
gained prominence in recent years as a policy objective to improve the
lives of the poor.
Recognizing the need for better data to support the financial inclusion agenda,
the World Bank’s Development Research Group, with a 10-year grant from
the Bill & Melinda Gates Foundation, launched the Global Findex database,
collecting the first round of data in 2011. The Global Findex database is the
first public database of demand-side indicators that consistently measure
people’s use of financial products around the world and over time. Covering
a range of topics, the data can be used to track financial inclusion policies
globally and develop a deeper and more nuanced understanding of how
people around the world save, borrow, and make payments. The data were
collected by Gallup, Inc. over the 2011 calendar year through the Gallup
World Poll survey.
The data show sharp disparities in the use of financial services between
high-income and developing economies and across demographic groups.
While about half of all adults around the world have an account with a formal
financial institution, the share in high-income economies (89 percent) is
more than twice that in developing economies (41 percent). Globally, more
than 2.5 billion adults have no formal account, most of them in developing
economies. The gaps in account use between demographic groups are
particularly large in developing economies: While 46 percent of men have
an account, only 37 percent of women do. And those in the highest income
quintile are on average more than twice as likely to have a formal account
as those in the lowest quintile.
The Little Data Book on Financial Inclusion 2012 is a part of the Global Findex
suite of products offering access to the data. Others include the Open
vi 2012 The Little Data Book on Financial Inclusion
Data Platform Financial Inclusion topic page (http://datatopics.worldbank.
org/financialinclusion) and the eAtlas of Financial Inclusion (http://data.
worldbank.org/atlas-fi) (more information is available at www.worldbank.org/
globalfindex). The hope is that the book will aid policy makers and researchers
in using financial inclusion data more effectively to support priority setting
and improve development outcomes.
Foreword
viiThe Little Data Book on Financial Inclusion 2012
Data notesThe data in this book are for 2011 unless otherwise noted in the the Glossary.
• Regional aggregates include data for low- and middle-income
economies only.
• Figures in italics indicate data for years or periods other than those
specified.
Symbols used:
.. indicates that data are not available or that aggregates cannot
be calculated because of missing data.
0 or 0.0 indicates zero or small enough that the number would round to
zero at the displayed number of decimal places.
$ indicates current U.S. dollars.
Data are shown for 144 economies. The term country (used interchangeably
with economy) does not imply political independence or official recognition
by the World Bank but refers to any economy for which the authorities report
separate social or economic statistics.
1The Little Data Book on Financial Inclusion 2012
The country composition of regions is based on the World Bank’s analytical
regions and may differ from common geographic usage.
East Asia and Pacific
Cambodia, China, Indonesia, Lao People’s Democratic Republic,
Malaysia, Mongolia, Philippines, Thailand, Vietnam
Europe and Central Asia
Albania, Armenia, Azerbaijan, Belarus, Bosnia and Herzegovina, Bulgaria,
Georgia, Kazakhstan, Kosovo, Kyrgyz Republic, Latvia, Lithuania, Former
Yugoslav Republic of Macedonia, Moldova, Montenegro, Romania,
Russian Federation, Serbia, Tajikistan, Turkey, Turkmenistan, Ukraine,
Uzbekistan
Latin America and the Caribbean
Argentina, Bolivia, Brazil, Chile, Colombia, Costa Rica, Ecuador, El
Salvador, Guatemala, Haiti, Honduras, Mexico, Nicaragua, Panama,
Paraguay, Peru, Uruguay, República Bolivariana de Venezuela
Middle East and North Africa
Algeria*, Djibouti, Arab Republic of Egypt, Islamic Republic of Iran*,
Iraq, Jordan, Lebanon, Morocco, Syrian Arab Republic, Tunisia, West
Bank and Gaza, Republic of Yemen
South Asia
Afghanistan, Bangladesh, India, Nepal, Pakistan, Sri Lanka
Sub-Saharan Africa
Angola, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Central
African Republic*, Chad, Comoros, Democratic Republic of the Congo,
Republic of Congo, Gabon, Ghana, Guinea, Kenya, Lesotho, Madagascar*,
Malawi, Mali, Mauritania, Mauritius, Mozambique, Niger, Nigeria, Rwanda,
Senegal, Sierra Leone, Somalia*, South Africa, Sudan, Swaziland,
Tanzania, Togo, Uganda, Zambia, Zimbabwe
*Excluded from calculation of Global Findex regional aggregates because
sampling excludes more than 20 percent of the adult population.
Regional tables
2 2012 The Little Data Book on Financial Inclusion2 2012 The Little Data Book on Financial Inclusion2 2012 The Little Data Book on Financial Inclusion2 2012 The Little Data Book on Financial Inclusion2 2012 The Little Data Book on Financial Inclusion
WorldPopulation (millions) 6,894.6 GNI per capita ($) 9,069
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
50.554.746.337.954.340.463.440.758.345.858.4
7.712.865.416.013.951.727.413.669.9
3.143.347.71.9
30.4
7.920.912.9
7.27.0
2.02.23.0
35.922.45.3
24.027.2
9.022.8
3.47.05.05.4
11.02.8
17.1
3The Little Data Book on Financial Inclusion 2012 3The Little Data Book on Financial Inclusion 2012 3The Little Data Book on Financial Inclusion 2012 3The Little Data Book on Financial Inclusion 2012 3The Little Data Book on Financial Inclusion 2012
East Asia & PacificPopulation (millions) 1,961.6 GNI per capita ($) 3,696
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
54.957.652.352.154.946.571.039.865.649.570.8
13.219.164.6
7.820.555.014.313.976.4
2.539.155.9
1.334.5
3.216.96.38.87.1
1.31.01.2
39.828.4
4.328.229.6
8.627.21.94.45.45.89.71.8
36.8
4 2012 The Little Data Book on Financial Inclusion4 2012 The Little Data Book on Financial Inclusion4 2012 The Little Data Book on Financial Inclusion4 2012 The Little Data Book on Financial Inclusion4 2012 The Little Data Book on Financial Inclusion
Europe & Central AsiaPopulation (millions) 405.2 GNI per capita ($) 7,272
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
44.949.940.031.948.425.651.436.551.141.650.4
4.06.5
80.85.46.9
61.822.522.430.7
1.667.120.4
1.036.4
5.327.311.04.83.0
3.02.52.7
20.47.01.3
12.813.9
7.728.2
1.51.84.71.73.61.4
4.5
5The Little Data Book on Financial Inclusion 2012 5The Little Data Book on Financial Inclusion 2012 5The Little Data Book on Financial Inclusion 2012 5The Little Data Book on Financial Inclusion 2012 5The Little Data Book on Financial Inclusion 2012
Latin America & CaribbeanPopulation (millions) 582.6 GNI per capita ($) 7,733
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
39.244.034.726.043.627.846.625.349.133.644.1
6.013.063.317.710.253.130.819.757.21.1
56.432.8
0.828.9
5.220.310.44.22.8
1.80.81.8
25.79.53.7
13.119.1
7.814.22.31.84.24.68.21.7
6.8
6 2012 The Little Data Book on Financial Inclusion6 2012 The Little Data Book on Financial Inclusion6 2012 The Little Data Book on Financial Inclusion6 2012 The Little Data Book on Financial Inclusion6 2012 The Little Data Book on Financial Inclusion
Middle East & North AfricaPopulation (millions) 331.3 GNI per capita ($) 3,874
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
17.723.112.512.320.313.123.2
8.817.310.517.9
19.130.850.814.624.450.219.36.0
66.64.2
37.651.81.29.1
4.76.03.12.72.3
1.01.32.4
20.04.53.6
13.915.9
5.131.14.74.57.75.8
15.75.5
2.5
7The Little Data Book on Financial Inclusion 2012 7The Little Data Book on Financial Inclusion 2012 7The Little Data Book on Financial Inclusion 2012 7The Little Data Book on Financial Inclusion 2012 7The Little Data Book on Financial Inclusion 2012
South AsiaPopulation (millions) 1,633.1 GNI per capita ($) 1,176
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
33.040.725.024.736.627.854.225.341.030.839.2
6.611.770.512.915.966.411.92.0
85.35.3
18.068.6
4.07.2
4.07.43.52.01.6
2.00.81.9
21.311.13.3
15.517.2
8.719.56.42.44.44.9
14.13.9
5.5
8 2012 The Little Data Book on Financial Inclusion
Sub-Saharan AfricaPopulation (millions) 853.4 GNI per capita ($) 1,176
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
24.126.721.416.827.714.036.213.931.920.739.7
3.86.3
69.521.911.763.323.0
6.684.0
2.742.049.2
2.515.5
5.39.95.79.16.3
3.011.214.5
40.214.219.326.031.3
4.739.9
5.42.04.49.0
15.14.6
3.2
9The Little Data Book on Financial Inclusion 2012
Income group tables
9The Little Data Book on Financial Inclusion 2012
For operational and analytical purposes the World Bank’s main criterion
for classifying economies is gross national income (GNI) per capita. Each
economy in The Little Data Book on Financial Inclusion is classified as low
income, middle income, or high income. Low- and middle-income economies
are sometimes referred to as developing economies. The use of the term is
convenient; it is not intended to imply that all economies in the group are
experiencing similar development or that other economies have reached a
preferred or final stage of development. Classification by income does not
necessarily reflect development status. Note: Classifications are fixed during
the World Bank’s fiscal year (ending on June 30), thus countries remain in
the categories in which they are classified irrespective of any revisions to
their per capita income data.
Low-income economies are those with a GNI per capita of $1,005 or less
in 2010.
Middle-income economies are those with a GNI per capita of more than
$1,005 but less than $12,276. Lower-middle-income and upper-middle-
income economies are separated at a GNI per capita of $3,975.
High-income economies are those with a GNI per capita of $12,276 or more.
Euro area includes the member states of the Economic and Monetary Union
of the European Union that have adopted the euro as their currency: Austria,
Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy,
Luxembourg, Malta, Netherlands, Portugal, Slovak Republic, Slovenia, and
Spain.
10 2012 The Little Data Book on Financial Inclusion10 2012 The Little Data Book on Financial Inclusion10 2012 The Little Data Book on Financial Inclusion
Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
23.727.020.515.628.216.235.416.329.422.035.8
5.48.3
64.723.121.259.116.14.3
78.89.1
23.062.9
5.47.4
4.65.92.54.72.8
2.67.19.1
29.911.58.2
20.322.8
11.430.2
7.02.46.36.9
16.15.4
2.2
Population (millions) 796.3 GNI per capita ($) 528
11The Little Data Book on Financial Inclusion 2012 11The Little Data Book on Financial Inclusion 2012 11The Little Data Book on Financial Inclusion 2012
Middle incomePopulation (millions) 4,970.8 GNI per capita ($) 3,723
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
43.348.138.434.945.734.458.731.452.539.053.8
9.314.967.810.715.759.417.211.373.1
2.638.852.4
1.824.8
4.015.16.55.94.6
1.81.62.4
30.717.84.9
21.023.3
7.624.73.33.24.85.3
10.62.5
18.6
12 2012 The Little Data Book on Financial Inclusion
Population (millions) 2,518.7 GNI per capita ($) 1,619
Lower middle income
28.433.922.921.531.220.845.419.736.325.336.0
6.811.670.911.813.764.415.14.5
80.24.0
31.056.8
3.010.1
4.18.53.93.73.0
2.02.43.8
27.611.17.2
19.922.1
7.326.65.32.24.76.8
14.83.9
5.1
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
13The Little Data Book on Financial Inclusion 2012
Upper middle incomePopulation (millions) 2,452.1 GNI per capita ($) 5,884
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
57.261.453.151.758.247.571.442.467.651.770.3
11.818.164.9
9.617.654.719.217.766.4
1.246.148.2
0.738.7
4.021.3
9.08.06.2
1.70.91.1
33.724.2
2.822.024.5
7.822.8
1.54.04.93.86.61.2
31.3
14 2012 The Little Data Book on Financial Inclusion
Population (millions) 5,767.2 GNI per capita ($) 3,286
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
41.446.136.732.544.332.856.630.150.437.452.1
9.014.367.511.816.259.417.110.773.63.2
37.353.4
2.123.2
4.114.2
6.15.84.5
1.92.13.0
30.617.35.3
20.923.3
7.925.2
3.73.14.95.4
11.12.8
17.1
Low and middle income
15The Little Data Book on Financial Inclusion 2012
High incomePopulation (millions) 1,127.4 GNI per capita ($) 38,745
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
89.491.787.376.892.272.992.385.892.187.089.0
2.16.4
56.134.0
3.918.871.726.253.73.0
68.723.3
0.861.4
24.449.542.013.218.1
..
..
..
58.344.6
5.437.444.1
13.812.3
2.323.8
..
..
..
..
..
16 2012 The Little Data Book on Financial Inclusion
Euro areaPopulation (millions) 331.8 GNI per capita ($) 38,565
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
90.592.588.977.992.986.793.589.190.988.887.0
1.85.9
68.321.13.4
18.069.716.157.01.5
71.923.3
0.868.3
25.147.843.011.914.9
..
..
..
53.040.9
3.832.237.2
11.87.80.9
22.5........
..
17The Little Data Book on Financial Inclusion 2012
Algeria
Global Findex data exclude parts of the Southern regions of the country.
Angola
Global Findex data exclude some rural areas.
Azerbaijan
Global Findex data exclude Nagorno-Karabakh and territories.
Bahrain
Global Findex data include only Bahraini nationals and Arab expatriates.
Canada
Global Findex data exclude Yukon, Northwest Territories, and Nunavut.
Central African Republic
Global Findex data exclude areas bordering Sudan and Chad.
Chad
Global Findex data exclude some Eastern areas of the country.
China
Unless otherwise noted, data for China do not include data for Hong
Kong SAR, China; Macao SAR, China; or Taiwan, China.
Cyprus
GNI per capita and Global Findex data refer to the area controlled by the
government of the Republic of Cyprus.
Democratic Republic of the Congo
Global Findex data exclude North and South Kivu, Ituri, and Haut-Uele.
Georgia
GNI per capita, population data and Global Findex data exclude Abkhazia
and South Ossetia.
India
Global Findex data exclude Northeast states and remote islands.
Israel
Global Findex data exclude East Jerusalem.
Kuwait
Global Findex data include only Kuwaiti nationals and Arab expatriates.
Lao People’s Democratic Republic
Global Findex data exclude some remote rural areas.
Madagascar
Global Findex data exclude most rural areas.
Country tables
17The Little Data Book on Financial Inclusion 2012
18 2012 The Little Data Book on Financial Inclusion
Mali
Global Findex data exclude the Northern part of the country.
Moldova
GNI per capita, population data and Global Findex data exclude
Transnistria.
Morocco
GNI per capita data include Former Spanish Sahara.
Niger
Global Findex data exclude part of the Agadez region in the
North.
Oman
Global Findex data include only Omani nationals and Arab
expatriates.
Pakistan
Global Findex data exclude Federally Administered Tribal Areas.
Qatar
Global Findex data include only Qatari nationals and Arab
expatriates.
Saudi Arabia
Global Findex data include only Saudi nationals and Arab
expatriates.
Somalia
Global Findex data exclude regions other than Somaliland.
Sudan
Global Findex data exclude South Sudan and Darfur region.
Tanzania
GNI per capita data refer to mainland Tanzania only.
Uganda
Global Findex data exclude the Northern region
United Arab Emirates
Global Findex data include only Emirati nationals and Arab
expatriates.
West Bank and Gaza
Global Findex data include East Jerusalem.
Country tables
9.0 33.0 23.715.4 40.7 27.0
2.6 25.0 20.56.3 24.7 15.69.5 36.6 28.25.3 27.8 16.2
30.0 54.2 35.41.0 25.3 16.3
15.1 41.0 29.45.6 30.8 22.0
26.8 39.2 35.8
16.2 6.6 5.421.5 11.7 8.367.1 70.5 64.78.6 12.9 23.1
19.2 15.9 21.253.0 66.4 59.125.1 11.9 16.10.0 2.0 4.3
90.7 85.3 78.80.0 5.3 9.15.2 18.0 23.0
84.0 68.6 62.90.0 4.0 5.44.7 7.2 7.4
2.7 4.0 4.67.0 7.4 5.92.0 3.5 2.51.7 2.0 4.70.2 1.6 2.8
0.0 2.0 2.63.0 0.8 7.16.9 1.9 9.1
14.6 21.3 29.92.8 11.1 11.53.2 3.3 8.29.4 15.5 20.3
10.4 17.2 22.8
7.4 8.7 11.430.2 19.5 30.2
6.4 6.4 7.08.2 2.4 2.4
15.9 4.4 6.30.7 4.9 6.9
27.3 14.1 16.129.5 3.9 5.4
0.1 5.5 2.2
Country data
SouthAsia
Lowincome
AfghanistanPopulation (millions) 34.4 GNI per capita ($) 410
South Asia Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
19The Little Data Book on Financial Inclusion 2012
20 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Upper middleincome
AlbaniaPopulation (millions) 3.2 GNI per capita ($) 3,960
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
28.3 44.9 57.233.7 49.9 61.422.7 40.0 53.126.4 31.9 51.728.3 48.4 58.215.1 25.6 47.536.2 51.4 71.418.2 36.5 42.435.0 51.1 67.624.2 41.6 51.732.9 50.4 70.3
7.8 4.0 11.816.6 6.5 18.163.0 80.8 64.9
7.8 5.4 9.614.6 6.9 17.646.6 61.8 54.726.4 22.5 19.212.3 22.4 17.763.6 30.7 66.4
1.5 1.6 1.264.7 67.1 46.126.2 20.4 48.2
1.3 1.0 0.721.1 36.4 38.7
3.3 5.3 4.011.1 27.3 21.34.7 11.0 9.05.6 4.8 8.03.5 3.0 6.2
22.7 3.0 1.724.2 2.5 0.926.1 2.7 1.1
22.7 20.4 33.78.6 7.0 24.23.0 1.3 2.8
14.2 12.8 22.014.0 13.9 24.5
7.5 7.7 7.810.7 28.2 22.82.1 1.5 1.52.2 1.8 4.05.4 4.7 4.92.1 1.7 3.82.6 3.6 6.61.3 1.4 1.2
11.2 4.5 31.3
21The Little Data Book on Financial Inclusion 2012
Country data
MiddleEast &
N. Africa
Upper middleincome
AlgeriaPopulation (millions) 35.5 GNI per capita ($) 4,390
Middle East & North Africa Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
33.3 17.7 57.246.1 23.1 61.420.4 12.5 53.120.3 12.3 51.739.7 20.3 58.230.1 13.1 47.540.3 23.2 71.423.7 8.8 42.442.2 17.3 67.623.6 10.5 51.735.6 17.9 70.3
4.4 19.1 11.89.5 30.8 18.1
78.0 50.8 64.912.5 14.6 9.6
7.3 24.4 17.673.3 50.2 54.719.0 19.3 19.22.3 6.0 17.7
90.8 66.6 66.41.9 4.2 1.2
14.2 37.6 46.180.4 51.8 48.2
2.2 1.2 0.713.5 9.1 38.7
7.5 4.7 4.08.9 6.0 21.3
17.4 3.1 9.01.8 2.7 8.02.1 2.3 6.2
9.7 1.0 1.721.1 1.3 0.939.0 2.4 1.1
20.9 20.0 33.74.3 4.5 24.21.7 3.6 2.8
14.5 13.9 22.013.2 15.9 24.5
1.5 5.1 7.824.8 31.1 22.8
1.6 4.7 1.56.0 4.5 4.03.6 7.7 4.92.1 5.8 3.8
10.5 15.7 6.67.1 5.5 1.2
3.5 2.5 31.3
22 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middleincome
AngolaPopulation (millions) 19.1 GNI per capita ($) 3,940
Sub-Saharan Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
39.2 24.1 28.439.5 26.7 33.938.9 21.4 22.930.5 16.8 21.544.2 27.7 31.234.8 14.0 20.844.3 36.2 45.436.1 13.9 19.741.4 31.9 36.333.9 20.7 25.356.5 39.7 36.0
5.7 3.8 6.811.0 6.3 11.664.4 69.5 70.918.5 21.9 11.8
8.4 11.7 13.746.7 63.3 64.437.6 23.0 15.17.9 6.6 4.5
80.0 84.0 80.20.3 2.7 4.0
49.0 42.0 31.038.2 49.2 56.8
0.4 2.5 3.029.8 15.5 10.1
6.0 5.3 4.121.7 9.9 8.510.2 5.7 3.98.2 9.1 3.7
11.3 6.3 3.0
13.6 3.0 2.011.7 11.2 2.419.3 14.5 3.8
36.6 40.2 27.615.9 14.2 11.1
7.7 19.3 7.225.8 26.0 19.919.6 31.3 22.1
7.9 4.7 7.326.2 39.9 26.6
4.9 5.4 5.33.6 2.0 2.2
10.0 4.4 4.717.7 9.0 6.816.4 15.1 14.88.8 4.6 3.9
3.1 3.2 5.1
23The Little Data Book on Financial Inclusion 2012
Country data
LatinAmerica &the Carib.
Upper middleincome
ArgentinaPopulation (millions) 40.4 GNI per capita ($) 8,620
Latin America & Caribbean Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
33.1 39.2 57.234.6 44.0 61.431.8 34.7 53.115.5 26.0 51.737.9 43.6 58.228.3 27.8 47.536.9 46.6 71.422.8 25.3 42.441.1 49.1 67.644.4 33.6 51.731.0 44.1 70.3
2.3 6.0 11.825.0 13.0 18.163.7 63.3 64.96.8 17.7 9.63.8 10.2 17.6
58.1 53.1 54.735.4 30.8 19.220.0 19.7 17.713.5 57.2 66.4
0.0 1.1 1.280.3 56.4 46.114.1 32.8 48.20.0 0.8 0.7
29.8 28.9 38.7
3.3 5.2 4.015.8 20.3 21.311.3 10.4 9.00.6 4.2 8.00.6 2.8 6.2
1.1 1.8 1.70.1 0.8 0.90.0 1.8 1.1
24.4 25.7 33.73.8 9.5 24.22.4 3.7 2.8
13.3 13.1 22.015.0 19.1 24.5
6.6 7.8 7.87.1 14.2 22.80.9 2.3 1.50.4 1.8 4.04.5 4.2 4.91.4 4.6 3.83.1 8.2 6.60.3 1.7 1.2
9.1 6.8 31.3
24 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Lower middleincome
ArmeniaPopulation (millions) 3.1 GNI per capita ($) 3,200
Europe & Central Asia Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
17.5 44.9 28.416.7 49.9 33.918.1 40.0 22.913.9 31.9 21.518.4 48.4 31.2
7.0 25.6 20.820.3 51.4 45.413.8 36.5 19.720.3 51.1 36.315.4 41.6 25.320.4 50.4 36.0
7.4 4.0 6.813.2 6.5 11.680.3 80.8 70.9
5.2 5.4 11.819.1 6.9 13.759.6 61.8 64.415.1 22.5 15.112.4 22.4 4.541.2 30.7 80.20.0 1.6 4.0
55.4 67.1 31.036.8 20.4 56.8
0.0 1.0 3.05.2 36.4 10.1
2.5 5.3 4.17.4 27.3 8.52.5 11.0 3.92.5 4.8 3.70.3 3.0 3.0
0.8 3.0 2.03.0 2.5 2.42.0 2.7 3.8
10.5 20.4 27.60.8 7.0 11.10.5 1.3 7.25.6 12.8 19.96.6 13.9 22.1
18.9 7.7 7.332.4 28.2 26.6
3.0 1.5 5.31.0 1.8 2.2
16.0 4.7 4.73.8 1.7 6.8
15.1 3.6 14.85.4 1.4 3.9
0.6 4.5 5.1
25The Little Data Book on Financial Inclusion 2012
Country data
Highincome
AustraliaPopulation (millions) 22.3 GNI per capita ($) 46,200
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
99.1 89.499.6 91.798.6 87.398.8 76.899.1 92.2
100.0 72.999.2 92.398.4 85.899.5 92.199.5 87.099.0 89.0
0.2 2.12.4 6.4
36.7 56.158.3 34.0
0.7 3.99.8 18.8
86.7 71.74.0 26.2
69.4 53.77.7 3.0
68.5 68.79.5 23.31.0 0.8
79.1 61.4
36.1 24.468.2 49.559.3 42.017.5 13.225.9 18.1
.. ..
.. ..
.. ..
68.3 58.361.9 44.66.5 5.4
43.2 37.450.0 44.1
17.0 13.812.6 12.3
1.1 2.337.2 23.8
.. ..
.. ..
.. ..
.. ..
.. ..
26 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
AustriaPopulation (millions) 8.4 GNI per capita ($) 47,030
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
97.1 89.497.7 91.796.6 87.392.5 76.897.7 92.288.9 72.998.3 92.396.0 85.897.8 92.197.7 87.096.0 89.0
1.0 2.11.6 6.4
66.8 56.126.0 34.0
1.3 3.97.9 18.8
83.4 71.79.5 26.2
69.9 53.70.9 3.0
76.7 68.720.5 23.3
0.3 0.886.8 61.4
34.2 24.455.8 49.537.7 42.010.2 13.216.1 18.1
.. ..
.. ..
.. ..
78.3 58.351.6 44.612.9 5.452.7 37.462.3 44.1
8.3 13.86.0 12.30.3 2.3
25.3 23.8.. .... .... .... ..
.. ..
27The Little Data Book on Financial Inclusion 2012
Country data
Europe &Central
Asia
Upper middleincome
AzerbaijanPopulation (millions) 9.1 GNI per capita ($) 5,330
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
14.9 44.9 57.215.6 49.9 61.414.3 40.0 53.14.5 31.9 51.7
18.8 48.4 58.28.7 25.6 47.5
16.9 51.4 71.411.7 36.5 42.417.6 51.1 67.612.4 41.6 51.722.6 50.4 70.3
0.4 4.0 11.81.4 6.5 18.1
76.2 80.8 64.911.6 5.4 9.62.8 6.9 17.6
82.2 61.8 54.76.0 22.5 19.2
12.7 22.4 17.711.1 30.7 66.41.8 1.6 1.2
88.2 67.1 46.14.7 20.4 48.20.9 1.0 0.7
10.0 36.4 38.7
4.0 5.3 4.02.5 27.3 21.3
12.6 11.0 9.00.6 4.8 8.00.2 3.0 6.2
0.1 3.0 1.70.0 2.5 0.90.1 2.7 1.1
10.8 20.4 33.71.6 7.0 24.20.6 1.3 2.86.4 12.8 22.09.1 13.9 24.5
17.7 7.7 7.826.9 28.2 22.8
2.6 1.5 1.50.3 1.8 4.06.8 4.7 4.95.3 1.7 3.8
11.4 3.6 6.62.7 1.4 1.2
1.1 4.5 31.3
28 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
BahrainPopulation (millions) 1.3 GNI per capita ($) 18,730
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
64.5 89.479.0 91.748.8 87.341.4 76.874.0 92.263.0 72.965.6 92.364.9 85.863.9 92.1
.. 87.0
.. 89.0
1.1 2.128.1 6.449.4 56.118.6 34.0
2.1 3.913.3 18.882.3 71.714.9 26.263.3 53.7
1.5 3.090.7 68.7
6.7 23.30.9 0.8
62.2 61.4
4.4 24.49.5 49.5
34.2 42.05.6 13.2
10.9 18.1
15.1 ..4.1 ..3.4 ..
40.3 58.316.3 44.625.2 5.422.5 37.430.3 44.1
21.9 13.820.7 12.311.2 2.34.0 23.8
14.9 ..12.8 ..17.8 ..3.3 ..
.. ..
29The Little Data Book on Financial Inclusion 2012
Country data
SouthAsia
Lowincome
BangladeshPopulation (millions) 148.7 GNI per capita ($) 700
South Asia Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
39.6 33.0 23.744.1 40.7 27.034.9 25.0 20.525.6 24.7 15.646.6 36.6 28.232.0 27.8 16.247.2 54.2 35.434.7 25.3 16.343.1 41.0 29.438.5 30.8 22.045.9 39.2 35.8
7.5 6.6 5.411.0 11.7 8.353.0 70.5 64.732.5 12.9 23.139.1 15.9 21.247.6 66.4 59.19.4 11.9 16.10.8 2.0 4.3
73.7 85.3 78.818.3 5.3 9.1
2.8 18.0 23.079.2 68.6 62.98.2 4.0 5.42.3 7.2 7.4
5.5 4.0 4.63.1 7.4 5.91.9 3.5 2.53.0 2.0 4.71.2 1.6 2.8
1.7 2.0 2.61.0 0.8 7.11.2 1.9 9.1
26.8 21.3 29.916.6 11.1 11.53.6 3.3 8.2
17.7 15.5 20.323.3 17.2 22.8
23.3 8.7 11.410.5 19.5 30.26.8 6.4 7.02.4 2.4 2.45.8 4.4 6.31.8 4.9 6.96.4 14.1 16.12.2 3.9 5.4
2.1 5.5 2.2
30 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Upper middleincome
BelarusPopulation (millions) 9.5 GNI per capita ($) 5,950
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
58.6 44.9 57.259.2 49.9 61.458.1 40.0 53.141.7 31.9 51.762.4 48.4 58.213.7 25.6 47.567.4 51.4 71.440.6 36.5 42.470.0 51.1 67.649.3 41.6 51.768.6 50.4 70.3
0.3 4.0 11.81.0 6.5 18.1
94.4 80.8 64.92.7 5.4 9.62.4 6.9 17.6
45.3 61.8 54.744.6 22.5 19.2
7.3 22.4 17.727.2 30.7 66.40.9 1.6 1.2
80.5 67.1 46.116.7 20.4 48.20.3 1.0 0.7
50.3 36.4 38.7
4.7 5.3 4.049.1 27.3 21.311.4 11.0 9.02.3 4.8 8.02.8 3.0 6.2
4.0 3.0 1.71.5 2.5 0.91.0 2.7 1.1
26.4 20.4 33.76.8 7.0 24.20.5 1.3 2.8
17.1 12.8 22.015.3 13.9 24.5
16.1 7.7 7.838.7 28.2 22.81.8 1.5 1.59.6 1.8 4.0
10.6 4.7 4.92.4 1.7 3.81.9 3.6 6.61.0 1.4 1.2
3.1 4.5 31.3
31The Little Data Book on Financial Inclusion 2012
Country data
Highincome
BelgiumPopulation (millions) 10.9 GNI per capita ($) 45,840
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
96.3 89.495.3 91.797.2 87.389.7 76.898.1 92.287.3 72.998.6 92.395.1 85.897.1 92.196.1 87.096.7 89.0
1.4 2.12.1 6.4
69.9 56.121.5 34.0
1.7 3.917.3 18.870.8 71.725.7 26.233.9 53.7
0.7 3.076.7 68.711.5 23.30.6 0.8
85.8 61.4
25.2 24.447.9 49.550.8 42.010.8 13.212.1 18.1
.. ..
.. ..
.. ..
57.8 58.342.6 44.64.4 5.4
35.1 37.435.5 44.1
10.5 13.85.4 12.30.8 2.3
33.3 23.8.. .... .... .... ..
.. ..
32 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lowincome
BeninPopulation (millions) 8.9 GNI per capita ($) 780
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
10.5 24.1 23.711.2 26.7 27.09.8 21.4 20.52.8 16.8 15.6
15.1 27.7 28.28.6 14.0 16.2
19.9 36.2 35.45.2 13.9 16.3
14.0 31.9 29.48.5 20.7 22.0
34.4 39.7 35.8
3.6 3.8 5.47.5 6.3 8.3
72.0 69.5 64.714.3 21.9 23.18.3 11.7 21.2
64.9 63.3 59.119.5 23.0 16.10.8 6.6 4.3
91.5 84.0 78.83.2 2.7 9.10.4 42.0 23.0
93.5 49.2 62.92.5 2.5 5.40.7 15.5 7.4
3.5 5.3 4.63.2 9.9 5.90.8 5.7 2.52.8 9.1 4.71.8 6.3 2.8
0.2 3.0 2.60.2 11.2 7.10.4 14.5 9.1
32.4 40.2 29.97.0 14.2 11.5
15.6 19.3 8.221.8 26.0 20.323.6 31.3 22.8
4.2 4.7 11.432.5 39.9 30.2
8.7 5.4 7.00.4 2.0 2.43.2 4.4 6.37.0 9.0 6.9
16.6 15.1 16.14.6 4.6 5.4
0.7 3.2 2.2
33The Little Data Book on Financial Inclusion 2012
Country data
LatinAmerica &the Carib.
Lower middleincome
BoliviaPopulation (millions) 9.9 GNI per capita ($) 1,810
Latin America & Caribbean Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
28.0 39.2 28.431.1 44.0 33.925.1 34.7 22.919.4 26.0 21.532.0 43.6 31.212.8 27.8 20.834.3 46.6 45.417.1 25.3 19.735.8 49.1 36.320.4 33.6 25.334.4 44.1 36.0
8.4 6.0 6.814.4 13.0 11.665.3 63.3 70.913.5 17.7 11.820.1 10.2 13.749.9 53.1 64.420.8 30.8 15.1
2.5 19.7 4.590.1 57.2 80.20.3 1.1 4.0
38.0 56.4 31.049.4 32.8 56.8
1.1 0.8 3.012.8 28.9 10.1
6.4 5.2 4.19.5 20.3 8.52.0 10.4 3.94.0 4.2 3.72.5 2.8 3.0
1.6 1.8 2.04.0 0.8 2.46.8 1.8 3.8
44.2 25.7 27.617.1 9.5 11.13.5 3.7 7.2
25.5 13.1 19.937.6 19.1 22.1
16.6 7.8 7.38.4 14.2 26.63.2 2.3 5.34.0 1.8 2.27.4 4.2 4.75.8 4.6 6.85.6 8.2 14.82.0 1.7 3.9
3.7 6.8 5.1
34 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Upper middleincome
Bosnia and HerzegovinaPopulation (millions) 3.8 GNI per capita ($) 4,770
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
56.2 44.9 57.267.2 49.9 61.447.7 40.0 53.146.4 31.9 51.757.6 48.4 58.234.2 25.6 47.567.9 51.4 71.441.9 36.5 42.467.6 51.1 67.654.7 41.6 51.759.7 50.4 70.3
2.0 4.0 11.85.3 6.5 18.1
80.2 80.8 64.96.2 5.4 9.62.6 6.9 17.6
57.8 61.8 54.731.9 22.5 19.23.5 22.4 17.7
62.2 30.7 66.40.4 1.6 1.2
42.9 67.1 46.149.6 20.4 48.20.2 1.0 0.7
34.4 36.4 38.7
11.0 5.3 4.034.7 27.3 21.315.1 11.0 9.0
7.6 4.8 8.02.7 3.0 6.2
0.8 3.0 1.71.4 2.5 0.91.3 2.7 1.1
13.5 20.4 33.76.1 7.0 24.20.8 1.3 2.87.6 12.8 22.08.3 13.9 24.5
13.0 7.7 7.815.6 28.2 22.8
1.1 1.5 1.53.5 1.8 4.0
10.5 4.7 4.93.3 1.7 3.84.7 3.6 6.62.1 1.4 1.2
3.8 4.5 31.3
35The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Upper middleincome
BotswanaPopulation (millions) 2.0 GNI per capita ($) 6,790
Sub-Saharan Africa Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
30.3 24.1 57.232.2 26.7 61.428.4 21.4 53.120.3 16.8 51.735.8 27.7 58.218.5 14.0 47.539.1 36.2 71.413.8 13.9 42.444.5 31.9 67.621.8 20.7 51.749.2 39.7 70.3
2.3 3.8 11.83.6 6.3 18.1
82.3 69.5 64.914.0 21.9 9.64.4 11.7 17.6
59.9 63.3 54.735.8 23.0 19.2
7.5 6.6 17.788.5 84.0 66.4
1.4 2.7 1.278.0 42.0 46.119.7 49.2 48.20.9 2.5 0.7
15.6 15.5 38.7
3.8 5.3 4.010.9 9.9 21.38.6 5.7 9.0
12.3 9.1 8.08.0 6.3 6.2
2.2 3.0 1.75.1 11.2 0.98.0 14.5 1.1
28.8 40.2 33.716.5 14.2 24.214.2 19.3 2.812.7 26.0 22.024.4 31.3 24.5
5.6 4.7 7.846.5 39.9 22.8
5.4 5.4 1.51.4 2.0 4.02.4 4.4 4.92.3 9.0 3.83.1 15.1 6.61.8 4.6 1.2
5.3 3.2 31.3
36 2012 The Little Data Book on Financial Inclusion
Country data
LatinAmerica &the Carib.
Upper middleincome
BrazilPopulation (millions) 194.9 GNI per capita ($) 9,390
Latin America & Caribbean Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
55.9 39.2 57.261.1 44.0 61.451.0 34.7 53.136.3 26.0 51.762.1 43.6 58.247.2 27.8 47.563.8 46.6 71.441.2 25.3 42.465.6 49.1 67.651.9 33.6 51.759.3 44.1 70.3
4.5 6.0 11.88.2 13.0 18.1
70.9 63.3 64.917.0 17.7 9.66.8 10.2 17.6
59.1 53.1 54.730.7 30.8 19.236.3 19.7 17.741.4 57.2 66.41.4 1.1 1.2
57.5 56.4 46.132.3 32.8 48.2
1.3 0.8 0.741.2 28.9 38.7
7.9 5.2 4.028.9 20.3 21.319.7 10.4 9.04.7 4.2 8.03.3 2.8 6.2
1.3 1.8 1.70.0 0.8 0.90.8 1.8 1.1
21.1 25.7 33.710.3 9.5 24.2
2.1 3.7 2.88.3 13.1 22.0
16.0 19.1 24.5
6.3 7.8 7.815.6 14.2 22.8
1.0 2.3 1.51.3 1.8 4.03.0 4.2 4.91.5 4.6 3.85.3 8.2 6.61.4 1.7 1.2
7.6 6.8 31.3
37The Little Data Book on Financial Inclusion 2012
Country data
Europe &Central
Asia
Upper middleincome
BulgariaPopulation (millions) 7.5 GNI per capita ($) 6,280
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
52.8 44.9 57.249.9 49.9 61.455.5 40.0 53.145.2 31.9 51.753.7 48.4 58.225.7 25.6 47.568.1 51.4 71.437.0 36.5 42.462.6 51.1 67.645.4 41.6 51.762.0 50.4 70.3
8.8 4.0 11.810.4 6.5 18.179.0 80.8 64.9
4.4 5.4 9.610.3 6.9 17.662.1 61.8 54.719.8 22.5 19.2
0.1 22.4 17.751.8 30.7 66.4
4.1 1.6 1.276.5 67.1 46.114.8 20.4 48.2
0.7 1.0 0.745.8 36.4 38.7
3.6 5.3 4.030.7 27.3 21.36.0 11.0 9.05.6 4.8 8.02.2 3.0 6.2
0.8 3.0 1.70.2 2.5 0.90.2 2.7 1.1
10.9 20.4 33.74.8 7.0 24.20.4 1.3 2.84.9 12.8 22.09.2 13.9 24.5
7.8 7.7 7.821.6 28.2 22.81.4 1.5 1.51.9 1.8 4.09.6 4.7 4.91.8 1.7 3.8
10.8 3.6 6.61.0 1.4 1.2
3.9 4.5 31.3
38 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lowincome
Burkina FasoPopulation (millions) 16.5 GNI per capita ($) 550
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
13.4 24.1 23.715.7 26.7 27.010.8 21.4 20.5
5.7 16.8 15.618.1 27.7 28.211.3 14.0 16.235.1 36.2 35.46.4 13.9 16.3
18.9 31.9 29.411.8 20.7 22.035.4 39.7 35.8
3.3 3.8 5.48.8 6.3 8.3
56.8 69.5 64.713.0 21.9 23.118.0 11.7 21.267.3 63.3 59.18.6 23.0 16.10.0 6.6 4.3
91.8 84.0 78.82.7 2.7 9.13.6 42.0 23.0
88.6 49.2 62.92.3 2.5 5.42.0 15.5 7.4
3.3 5.3 4.62.3 9.9 5.91.4 5.7 2.51.2 9.1 4.70.7 6.3 2.8
0.3 3.0 2.60.2 11.2 7.10.6 14.5 9.1
38.0 40.2 29.97.9 14.2 11.57.9 19.3 8.2
26.0 26.0 20.321.9 31.3 22.8
3.1 4.7 11.431.2 39.9 30.2
3.1 5.4 7.00.4 2.0 2.42.5 4.4 6.3
11.6 9.0 6.922.4 15.1 16.1
7.9 4.6 5.4
0.8 3.2 2.2
39The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Lowincome
BurundiPopulation (millions) 8.4 GNI per capita ($) 170
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
7.2 24.1 23.78.6 26.7 27.05.9 21.4 20.54.9 16.8 15.68.5 27.7 28.25.7 14.0 16.2
29.4 36.2 35.43.7 13.9 16.39.7 31.9 29.47.0 20.7 22.0
24.6 39.7 35.8
9.3 3.8 5.415.0 6.3 8.373.6 69.5 64.711.4 21.9 23.134.6 11.7 21.250.6 63.3 59.114.8 23.0 16.1
8.7 6.6 4.386.0 84.0 78.8
1.8 2.7 9.13.4 42.0 23.0
92.3 49.2 62.91.0 2.5 5.40.8 15.5 7.4
0.9 5.3 4.62.4 9.9 5.92.2 5.7 2.51.5 9.1 4.70.5 6.3 2.8
0.8 3.0 2.64.0 11.2 7.14.7 14.5 9.1
25.2 40.2 29.93.3 14.2 11.51.9 19.3 8.2
11.2 26.0 20.38.7 31.3 22.8
1.7 4.7 11.443.9 39.9 30.212.4 5.4 7.00.5 2.0 2.41.9 4.4 6.3
10.6 9.0 6.929.8 15.1 16.1
4.6 4.6 5.4
3.5 3.2 2.2
40 2012 The Little Data Book on Financial Inclusion
Country data
EastAsia &Pacific
Lowincome
CambodiaPopulation (millions) 14.1 GNI per capita ($) 750
East Asia & Pacific Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
3.7 54.9 23.73.6 57.6 27.03.7 52.3 20.54.5 52.1 15.63.4 54.9 28.22.2 46.5 16.2
15.5 71.0 35.41.7 39.8 16.35.4 65.6 29.42.4 49.5 22.0
10.2 70.8 35.8
11.9 13.2 5.416.8 19.1 8.377.3 64.6 64.75.9 7.8 23.1
42.3 20.5 21.244.4 55.0 59.113.4 14.3 16.1
0.0 13.9 4.377.5 76.4 78.817.8 2.5 9.135.0 39.1 23.046.8 55.9 62.9
4.7 1.3 5.42.9 34.5 7.4
0.2 3.2 4.61.1 16.9 5.90.1 6.3 2.51.2 8.8 4.70.7 7.1 2.8
0.1 1.3 2.60.4 1.0 7.10.6 1.2 9.1
31.0 39.8 29.90.8 28.4 11.54.3 4.3 8.2
21.8 28.2 20.326.4 29.6 22.8
19.5 8.6 11.438.9 27.2 30.212.8 1.9 7.0
1.7 4.4 2.426.0 5.4 6.3
5.0 5.8 6.936.4 9.7 16.1
4.1 1.8 5.4
2.6 36.8 2.2
41The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Lower middleincome
CameroonPopulation (millions) 19.6 GNI per capita ($) 1,180
Sub-Saharan Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
14.8 24.1 28.418.8 26.7 33.910.9 21.4 22.95.5 16.8 21.5
20.6 27.7 31.213.4 14.0 20.817.4 36.2 45.411.6 13.9 19.717.9 31.9 36.314.2 20.7 25.317.4 39.7 36.0
13.0 3.8 6.816.7 6.3 11.669.5 69.5 70.913.8 21.9 11.829.1 11.7 13.767.1 63.3 64.43.7 23.0 15.11.1 6.6 4.5
88.6 84.0 80.22.7 2.7 4.05.8 42.0 31.0
80.5 49.2 56.82.1 2.5 3.02.1 15.5 10.1
3.2 5.3 4.12.4 9.9 8.52.1 5.7 3.91.4 9.1 3.71.8 6.3 3.0
0.6 3.0 2.03.3 11.2 2.48.8 14.5 3.8
51.9 40.2 27.69.9 14.2 11.1
31.9 19.3 7.231.1 26.0 19.932.0 31.3 22.1
4.5 4.7 7.345.0 39.9 26.6
8.3 5.4 5.31.5 2.0 2.24.0 4.4 4.7
15.2 9.0 6.821.2 15.1 14.8
4.4 4.6 3.9
1.2 3.2 5.1
42 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
CanadaPopulation (millions) 34.1 GNI per capita ($) 43,250
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
95.8 89.494.3 91.797.2 87.390.7 76.897.5 92.289.4 72.998.0 92.392.9 85.897.9 92.197.0 87.094.8 89.0
1.5 2.14.0 6.4
37.3 56.155.4 34.0
2.9 3.98.0 18.8
84.5 71.743.0 26.245.3 53.7
2.5 3.069.9 68.723.7 23.3
0.7 0.888.0 61.4
39.3 24.456.3 49.564.6 42.012.7 13.218.4 18.1
.. ..
.. ..
.. ..
65.5 58.353.2 44.6
6.9 5.442.6 37.448.4 44.1
20.3 13.816.0 12.3
2.4 2.328.5 23.8
.. ..
.. ..
.. ..
.. ..
.. ..
43The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Lowincome
Central African RepublicPopulation (millions) 4.4 GNI per capita ($) 470
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
3.3 24.1 23.73.2 26.7 27.03.4 21.4 20.52.6 16.8 15.63.9 27.7 28.21.1 14.0 16.2
13.3 36.2 35.4.. 13.9 16.3.. 31.9 29.4
1.8 20.7 22.010.6 39.7 35.8
0.0 3.8 5.42.9 6.3 8.3
75.1 69.5 64.718.1 21.9 23.1
9.7 11.7 21.278.5 63.3 59.1
9.5 23.0 16.18.6 6.6 4.3
75.5 84.0 78.89.2 2.7 9.1
11.0 42.0 23.082.8 49.2 62.9
3.9 2.5 5.41.0 15.5 7.4
0.7 5.3 4.61.2 9.9 5.91.0 5.7 2.50.6 9.1 4.70.7 6.3 2.8
0.2 3.0 2.60.3 11.2 7.11.6 14.5 9.1
25.4 40.2 29.92.5 14.2 11.5
10.0 19.3 8.216.8 26.0 20.318.3 31.3 22.8
0.9 4.7 11.420.4 39.9 30.25.3 5.4 7.00.7 2.0 2.41.0 4.4 6.36.5 9.0 6.9
13.9 15.1 16.13.5 4.6 5.4
0.4 3.2 2.2
44 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lowincome
ChadPopulation (millions) 11.2 GNI per capita ($) 620
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
9.0 24.1 23.711.5 26.7 27.06.8 21.4 20.56.6 16.8 15.6
10.5 27.7 28.25.7 14.0 16.2
22.6 36.2 35.44.5 13.9 16.3
11.7 31.9 29.46.4 20.7 22.0
19.4 39.7 35.8
3.4 3.8 5.44.5 6.3 8.3
72.1 69.5 64.719.6 21.9 23.1
7.3 11.7 21.268.2 63.3 59.120.4 23.0 16.124.2 6.6 4.354.7 84.0 78.810.3 2.7 9.131.5 42.0 23.050.2 49.2 62.910.7 2.5 5.45.3 15.5 7.4
2.9 5.3 4.64.4 9.9 5.92.5 5.7 2.52.6 9.1 4.72.8 6.3 2.8
2.8 3.0 2.65.7 11.2 7.1
15.5 14.5 9.1
28.7 40.2 29.96.8 14.2 11.5
12.2 19.3 8.220.0 26.0 20.321.7 31.3 22.8
6.2 4.7 11.430.8 39.9 30.211.0 5.4 7.0
7.4 2.0 2.49.8 4.4 6.3
10.0 9.0 6.920.3 15.1 16.113.4 4.6 5.4
1.3 3.2 2.2
45The Little Data Book on Financial Inclusion 2012
Country data
LatinAmerica &the Carib.
Upper middleincome
ChilePopulation (millions) 17.1 GNI per capita ($) 10,120
Latin America & Caribbean Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
42.2 39.2 57.243.4 44.0 61.441.0 34.7 53.138.9 26.0 51.743.3 43.6 58.224.4 27.8 47.551.1 46.6 71.425.8 25.3 42.453.6 49.1 67.630.7 33.6 51.747.4 44.1 70.3
8.2 6.0 11.812.4 13.0 18.165.4 63.3 64.9
9.5 17.7 9.614.3 10.2 17.646.0 53.1 54.726.8 30.8 19.220.3 19.7 17.746.2 57.2 66.4
2.4 1.1 1.261.8 56.4 46.116.2 32.8 48.2
1.2 0.8 0.725.8 28.9 38.7
4.0 5.2 4.020.2 20.3 21.3
5.7 10.4 9.04.0 4.2 8.03.2 2.8 6.2
1.0 1.8 1.70.5 0.8 0.90.9 1.8 1.1
27.1 25.7 33.712.4 9.5 24.23.3 3.7 2.8
15.6 13.1 22.020.4 19.1 24.5
7.8 7.8 7.89.4 14.2 22.81.0 2.3 1.53.5 1.8 4.03.6 4.2 4.94.1 4.6 3.86.1 8.2 6.60.6 1.7 1.2
5.7 6.8 31.3
46 2012 The Little Data Book on Financial Inclusion
Country data
EastAsia &Pacific
Upper middleincome
ChinaPopulation (millions) 1,338.3 GNI per capita ($) 4,270
East Asia & Pacific Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
63.8 54.9 57.267.6 57.6 61.460.0 52.3 53.165.3 52.1 51.762.5 54.9 58.256.7 46.5 47.581.9 71.0 71.447.1 39.8 42.475.4 65.6 67.658.0 49.5 51.782.1 70.8 70.3
16.4 13.2 11.823.5 19.1 18.161.0 64.6 64.9
7.2 7.8 9.623.8 20.5 17.652.7 55.0 54.713.5 14.3 19.215.4 13.9 17.777.1 76.4 66.41.3 2.5 1.2
33.4 39.1 46.162.9 55.9 48.2
0.8 1.3 0.741.0 34.5 38.7
2.6 3.2 4.018.7 16.9 21.3
7.0 6.3 9.09.1 8.8 8.07.6 7.1 6.2
1.3 1.3 1.70.6 1.0 0.90.5 1.2 1.1
38.4 39.8 33.732.1 28.4 24.22.4 4.3 2.8
26.8 28.2 22.026.9 29.6 24.5
7.3 8.6 7.825.0 27.2 22.8
1.1 1.9 1.55.0 4.4 4.04.9 5.4 4.93.6 5.8 3.86.3 9.7 6.61.0 1.8 1.2
47.2 36.8 31.3
47The Little Data Book on Financial Inclusion 2012
Country data
LatinAmerica &the Carib.
Upper middleincome
ColombiaPopulation (millions) 46.3 GNI per capita ($) 5,510
Latin America & Caribbean Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
30.4 39.2 57.235.9 44.0 61.425.4 34.7 53.112.8 26.0 51.736.5 43.6 58.215.7 27.8 47.535.0 46.6 71.415.5 25.3 42.444.5 49.1 67.625.7 33.6 51.733.6 44.1 70.3
7.5 6.0 11.813.6 13.0 18.166.0 63.3 64.912.8 17.7 9.611.8 10.2 17.656.6 53.1 54.724.9 30.8 19.2
3.7 19.7 17.767.6 57.2 66.41.7 1.1 1.2
61.2 56.4 46.128.4 32.8 48.2
0.6 0.8 0.722.7 28.9 38.7
7.0 5.2 4.018.8 20.3 21.3
4.3 10.4 9.03.2 4.2 8.02.7 2.8 6.2
1.8 1.8 1.71.2 0.8 0.91.4 1.8 1.1
32.9 25.7 33.79.2 9.5 24.25.7 3.7 2.8
19.3 13.1 22.025.2 19.1 24.5
11.9 7.8 7.818.3 14.2 22.8
6.5 2.3 1.52.6 1.8 4.04.6 4.2 4.96.2 4.6 3.87.2 8.2 6.60.9 1.7 1.2
5.6 6.8 31.3
48 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lowincome
ComorosPopulation (thousands) 735 GNI per capita ($) 750
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
21.7 24.1 23.725.7 26.7 27.017.9 21.4 20.57.0 16.8 15.6
30.0 27.7 28.212.8 14.0 16.232.0 36.2 35.411.3 13.9 16.327.4 31.9 29.419.6 20.7 22.028.4 39.7 35.8
3.4 3.8 5.411.1 6.3 8.377.4 69.5 64.78.8 21.9 23.1
20.4 11.7 21.261.9 63.3 59.111.7 23.0 16.19.4 6.6 4.3
84.5 84.0 78.81.2 2.7 9.1
11.9 42.0 23.084.8 49.2 62.9
0.6 2.5 5.45.7 15.5 7.4
3.9 5.3 4.65.9 9.9 5.95.1 5.7 2.54.0 9.1 4.72.2 6.3 2.8
0.3 3.0 2.60.5 11.2 7.13.5 14.5 9.1
29.3 40.2 29.910.8 14.2 11.515.6 19.3 8.221.7 26.0 20.313.8 31.3 22.8
7.2 4.7 11.425.3 39.9 30.2
1.7 5.4 7.00.7 2.0 2.48.3 4.4 6.3
12.1 9.0 6.924.1 15.1 16.113.3 4.6 5.4
1.8 3.2 2.2
49The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Lowincome
Congo, Dem. Rep.Population (millions) 66.0 GNI per capita ($) 180
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
3.7 24.1 23.74.7 26.7 27.02.8 21.4 20.51.6 16.8 15.65.3 27.7 28.21.0 14.0 16.26.0 36.2 35.41.1 13.9 16.35.9 31.9 29.42.3 20.7 22.0
10.6 39.7 35.8
0.0 3.8 5.40.0 6.3 8.3
60.7 69.5 64.726.6 21.9 23.122.0 11.7 21.260.6 63.3 59.1
4.7 23.0 16.110.5 6.6 4.362.7 84.0 78.86.2 2.7 9.1
10.6 42.0 23.053.7 49.2 62.9
7.0 2.5 5.41.7 15.5 7.4
1.2 5.3 4.61.1 9.9 5.90.1 5.7 2.51.2 9.1 4.70.9 6.3 2.8
0.1 3.0 2.61.5 11.2 7.12.0 14.5 9.1
24.1 40.2 29.91.5 14.2 11.58.3 19.3 8.2
16.9 26.0 20.312.5 31.3 22.8
1.5 4.7 11.430.1 39.9 30.2
6.7 5.4 7.00.4 2.0 2.41.8 4.4 6.37.2 9.0 6.9
24.8 15.1 16.13.6 4.6 5.4
0.7 3.2 2.2
50 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middleincome
Congo, Rep.Population (millions) 4.0 GNI per capita ($) 2,150
Sub-Saharan Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
9.0 24.1 28.411.3 26.7 33.96.8 21.4 22.94.3 16.8 21.5
11.9 27.7 31.24.0 14.0 20.8
12.6 36.2 45.43.3 13.9 19.7
13.6 31.9 36.34.7 20.7 25.3
12.6 39.7 36.0
7.0 3.8 6.811.0 6.3 11.669.0 69.5 70.913.7 21.9 11.829.7 11.7 13.761.2 63.3 64.4
2.4 23.0 15.12.4 6.6 4.5
88.4 84.0 80.21.6 2.7 4.06.3 42.0 31.0
79.9 49.2 56.80.3 2.5 3.03.6 15.5 10.1
4.3 5.3 4.12.2 9.9 8.51.4 5.7 3.92.3 9.1 3.72.4 6.3 3.0
1.6 3.0 2.020.1 11.2 2.432.0 14.5 3.8
30.4 40.2 27.65.5 14.2 11.16.1 19.3 7.2
19.5 26.0 19.919.9 31.3 22.1
2.8 4.7 7.326.8 39.9 26.6
3.3 5.4 5.30.3 2.0 2.21.4 4.4 4.77.8 9.0 6.8
19.1 15.1 14.85.6 4.6 3.9
0.1 3.2 5.1
51The Little Data Book on Financial Inclusion 2012
Country data
LatinAmerica &the Carib.
Upper middleincome
Costa RicaPopulation (millions) 4.7 GNI per capita ($) 6,810
Latin America & Caribbean Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
50.4 39.2 57.260.2 44.0 61.440.7 34.7 53.145.0 26.0 51.752.1 43.6 58.235.8 27.8 47.559.5 46.6 71.435.3 25.3 42.459.6 49.1 67.646.5 33.6 51.754.7 44.1 70.3
5.5 6.0 11.822.9 13.0 18.157.2 63.3 64.914.9 17.7 9.68.8 10.2 17.6
51.1 53.1 54.733.4 30.8 19.2
9.0 19.7 17.760.8 57.2 66.4
0.7 1.1 1.272.2 56.4 46.114.4 32.8 48.20.6 0.8 0.7
43.8 28.9 38.7
4.6 5.2 4.027.6 20.3 21.313.5 10.4 9.0
9.0 4.2 8.05.6 2.8 6.2
0.0 1.8 1.70.0 0.8 0.90.0 1.8 1.1
41.0 25.7 33.719.9 9.5 24.214.7 3.7 2.821.9 13.1 22.030.2 19.1 24.5
10.0 7.8 7.87.0 14.2 22.81.5 2.3 1.53.2 1.8 4.03.7 4.2 4.92.5 4.6 3.84.0 8.2 6.60.4 1.7 1.2
4.1 6.8 31.3
52 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
CroatiaPopulation (millions) 4.4 GNI per capita ($) 13,890
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
88.4 89.489.7 91.787.2 87.375.3 76.890.4 92.270.2 72.992.0 92.382.1 85.892.6 92.188.0 87.089.3 89.0
2.4 2.13.4 6.4
85.5 56.17.0 34.02.9 3.9
52.1 18.838.5 71.7
3.3 26.238.6 53.7
0.9 3.070.6 68.722.4 23.3
0.7 0.874.8 61.4
12.3 24.433.2 49.5
9.8 42.04.7 13.23.9 18.1
4.4 ..0.8 ..0.7 ..
21.9 58.312.2 44.6
2.2 5.410.2 37.416.3 44.1
14.4 13.819.6 12.31.0 2.34.3 23.89.4 ..2.8 ..3.6 ..2.4 ..
.. ..
53The Little Data Book on Financial Inclusion 2012
Country data
Highincome
CyprusPopulation (millions) 1.1 GNI per capita ($) 29,430
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
85.2 89.487.6 91.783.1 87.376.8 76.887.4 92.268.6 72.991.6 92.376.8 85.890.9 92.183.2 87.087.4 89.0
3.6 2.18.4 6.4
76.5 56.112.8 34.0
7.1 3.924.8 18.865.0 71.7
6.7 26.280.2 53.7
1.1 3.043.2 68.748.5 23.3
0.9 0.846.4 61.4
15.7 24.427.8 49.536.6 42.0
7.8 13.215.8 18.1
.. ..
.. ..
.. ..
43.5 58.330.4 44.6
3.6 5.426.5 37.430.4 44.1
27.0 13.812.0 12.3
0.6 2.323.4 23.8
.. ..
.. ..
.. ..
.. ..
.. ..
54 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
Czech RepublicPopulation (millions) 10.5 GNI per capita ($) 17,890
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
80.7 89.480.8 91.780.5 87.355.7 76.885.0 92.235.7 72.985.9 92.371.4 85.886.8 92.179.4 87.082.4 89.0
0.5 2.11.5 6.4
72.6 56.123.4 34.0
1.7 3.928.3 18.866.6 71.7
4.0 26.260.8 53.7
6.6 3.081.0 68.715.4 23.3
1.1 0.861.0 61.4
12.0 24.453.1 49.5
9.8 42.04.3 13.21.1 18.1
9.1 ..6.5 ..1.9 ..
49.0 58.335.5 44.6
1.1 5.428.3 37.439.1 44.1
9.5 13.818.1 12.31.3 2.38.1 23.8
12.4 ..1.2 ..2.6 ..0.8 ..
.. ..
55The Little Data Book on Financial Inclusion 2012
Country data
Highincome
DenmarkPopulation (millions) 5.5 GNI per capita ($) 59,400
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
99.7 89.4100.0 91.7
99.5 87.399.5 76.899.8 92.2
100.0 72.999.7 92.399.6 85.899.9 92.199.7 87.099.8 89.0
0.5 2.11.1 6.4
72.0 56.126.3 34.0
0.7 3.97.5 18.8
90.9 71.72.0 26.2
66.4 53.73.2 3.0
46.8 68.710.6 23.31.4 0.8
90.1 61.4
28.3 24.467.4 49.572.5 42.033.9 13.238.4 18.1
.. ..
.. ..
.. ..
72.6 58.356.5 44.6
4.0 5.441.2 37.439.7 44.1
18.8 13.812.2 12.3
0.2 2.347.2 23.8
.. ..
.. ..
.. ..
.. ..
.. ..
56 2012 The Little Data Book on Financial Inclusion
Country data
MiddleEast &
N. Africa
Lower middleincome
DjiboutiPopulation (thousands) 889 GNI per capita ($) 1,270
Middle East & North Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
12.3 17.7 28.416.6 23.1 33.98.8 12.5 22.94.5 12.3 21.5
16.6 20.3 31.26.3 13.1 20.8
21.5 23.2 45.44.5 8.8 19.7
17.4 17.3 36.38.1 10.5 25.3
13.8 17.9 36.0
19.6 19.1 6.839.4 30.8 11.637.6 50.8 70.919.0 14.6 11.831.2 24.4 13.751.1 50.2 64.415.2 19.3 15.123.2 6.0 4.550.8 66.6 80.2
5.1 4.2 4.062.1 37.6 31.025.0 51.8 56.8
2.7 1.2 3.07.6 9.1 10.1
2.0 4.7 4.14.8 6.0 8.55.8 3.1 3.93.1 2.7 3.72.8 2.3 3.0
2.8 1.0 2.03.5 1.3 2.45.8 2.4 3.8
16.2 20.0 27.63.4 4.5 11.16.8 3.6 7.29.6 13.9 19.96.9 15.9 22.1
4.5 5.1 7.318.3 31.1 26.6
4.8 4.7 5.35.1 4.5 2.27.1 7.7 4.76.9 5.8 6.8
14.9 15.7 14.87.7 5.5 3.9
3.7 2.5 5.1
57The Little Data Book on Financial Inclusion 2012
Country data
LatinAmerica &the Carib.
Upper middleincome
EcuadorPopulation (millions) 14.5 GNI per capita ($) 3,850
Latin America & Caribbean Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
36.7 39.2 57.240.5 44.0 61.433.2 34.7 53.126.1 26.0 51.741.0 43.6 58.223.4 27.8 47.541.3 46.6 71.423.9 25.3 42.445.7 49.1 67.635.3 33.6 51.738.3 44.1 70.3
5.1 6.0 11.87.2 13.0 18.1
71.8 63.3 64.919.0 17.7 9.6
9.1 10.2 17.664.3 53.1 54.723.9 30.8 19.2
4.5 19.7 17.791.7 57.2 66.40.8 1.1 1.2
36.1 56.4 46.160.1 32.8 48.2
0.6 0.8 0.717.1 28.9 38.7
5.0 5.2 4.016.0 20.3 21.3
4.6 10.4 9.03.7 4.2 8.01.8 2.8 6.2
1.2 1.8 1.70.1 0.8 0.90.4 1.8 1.1
30.2 25.7 33.714.5 9.5 24.22.4 3.7 2.8
17.3 13.1 22.025.1 19.1 24.5
10.6 7.8 7.815.4 14.2 22.8
4.6 2.3 1.52.0 1.8 4.04.1 4.2 4.94.8 4.6 3.89.1 8.2 6.61.1 1.7 1.2
3.1 6.8 31.3
58 2012 The Little Data Book on Financial Inclusion
Country data
MiddleEast &
N. Africa
Lower middleincome
Egypt, Arab Rep.Population (millions) 81.1 GNI per capita ($) 2,420
Middle East & North Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
9.7 17.7 28.412.8 23.1 33.9
6.5 12.5 22.97.8 12.3 21.5
10.5 20.3 31.25.4 13.1 20.8
13.4 23.2 45.45.3 8.8 19.7
13.0 17.3 36.35.6 10.5 25.3
16.3 17.9 36.0
36.7 19.1 6.855.2 30.8 11.639.2 50.8 70.9
2.3 14.6 11.842.6 24.4 13.750.0 50.2 64.4
4.4 19.3 15.111.3 6.0 4.556.2 66.6 80.2
4.7 4.2 4.052.5 37.6 31.040.1 51.8 56.8
0.6 1.2 3.05.1 9.1 10.1
0.9 4.7 4.10.9 6.0 8.52.0 3.1 3.90.7 2.7 3.70.2 2.3 3.0
0.4 1.0 2.00.1 1.3 2.40.3 2.4 3.8
8.1 20.0 27.60.7 4.5 11.11.7 3.6 7.24.7 13.9 19.95.8 15.9 22.1
3.7 5.1 7.325.3 31.1 26.6
1.7 4.7 5.31.8 4.5 2.26.6 7.7 4.74.9 5.8 6.8
15.0 15.7 14.84.4 5.5 3.9
0.5 2.5 5.1
59The Little Data Book on Financial Inclusion 2012
Country data
LatinAmerica &the Carib.
Lower middleincome
El SalvadorPopulation (millions) 6.2 GNI per capita ($) 3,380
Latin America & Caribbean Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
13.8 39.2 28.417.6 44.0 33.910.1 34.7 22.910.0 26.0 21.514.8 43.6 31.2
6.1 27.8 20.823.0 46.6 45.4
6.0 25.3 19.722.6 49.1 36.310.9 33.6 25.317.6 44.1 36.0
4.0 6.0 6.84.4 13.0 11.6
84.8 63.3 70.97.8 17.7 11.87.3 10.2 13.7
73.3 53.1 64.415.1 30.8 15.1
7.7 19.7 4.585.7 57.2 80.20.0 1.1 4.0
70.2 56.4 31.020.7 32.8 56.80.9 0.8 3.0
10.9 28.9 10.1
0.6 5.2 4.15.8 20.3 8.53.0 10.4 3.92.5 4.2 3.70.4 2.8 3.0
0.0 1.8 2.00.3 0.8 2.41.3 1.8 3.8
25.9 25.7 27.612.9 9.5 11.1
2.3 3.7 7.216.9 13.1 19.922.3 19.1 22.1
3.9 7.8 7.36.3 14.2 26.62.0 2.3 5.31.6 1.8 2.21.7 4.2 4.73.3 4.6 6.83.8 8.2 14.81.4 1.7 3.9
1.0 6.8 5.1
60 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
EstoniaPopulation (millions) 1.3 GNI per capita ($) 14,460
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
96.8 89.496.3 91.797.3 87.390.8 76.898.0 92.287.8 72.999.0 92.393.6 85.899.0 92.196.8 87.096.9 89.0
1.7 2.12.3 6.4
81.8 56.115.0 34.02.3 3.9
17.0 18.878.7 71.738.1 26.221.9 53.7
0.7 3.092.7 68.73.9 23.30.8 0.8
92.3 61.4
9.5 24.458.0 49.560.8 42.020.9 13.220.6 18.1
5.6 ..2.1 ..1.6 ..
44.1 58.328.9 44.6
4.6 5.427.6 37.434.7 44.1
7.7 13.824.8 12.31.3 2.3
16.2 23.89.0 ..5.9 ..3.8 ..0.8 ..
.. ..
61The Little Data Book on Financial Inclusion 2012
Country data
Highincome
FinlandPopulation (millions) 5.4 GNI per capita ($) 47,570
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
99.7 89.499.5 91.799.8 87.3
100.0 76.899.6 92.299.2 72.999.9 92.399.1 85.8
100.0 92.199.6 87.099.7 89.0
0.1 2.11.2 6.4
71.1 56.127.4 34.00.4 3.94.6 18.8
94.5 71.73.6 26.2
52.2 53.71.3 3.0
86.8 68.711.7 23.30.2 0.8
89.3 61.4
15.2 24.466.1 49.565.8 42.031.6 13.242.0 18.1
.. ..
.. ..
.. ..
68.7 58.356.1 44.6
1.1 5.440.2 37.451.8 44.1
23.9 13.815.1 12.31.0 2.3
29.7 23.8.. .... .... .... ..
.. ..
62 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
FrancePopulation (millions) 64.9 GNI per capita ($) 42,370
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
97.0 89.497.5 91.796.6 87.385.7 76.899.0 92.297.7 72.996.8 92.395.8 85.897.7 92.197.4 87.096.4 89.0
2.1 2.13.5 6.4
69.5 56.122.4 34.03.9 3.96.2 18.8
84.3 71.721.2 26.249.7 53.7
1.7 3.077.7 68.718.1 23.30.9 0.8
69.2 61.4
20.5 24.459.9 49.537.2 42.018.1 13.219.2 18.1
.. ..
.. ..
.. ..
61.8 58.349.5 44.6
8.0 5.435.8 37.433.7 44.1
18.6 13.84.8 12.30.2 2.3
26.7 23.8.. .... .... .... ..
.. ..
63The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Upper middleincome
GabonPopulation (millions) 1.5 GNI per capita ($) 7,740
Sub-Saharan Africa Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
18.9 24.1 57.220.8 26.7 61.417.2 21.4 53.110.9 16.8 51.723.2 27.7 58.2
8.9 14.0 47.532.4 36.2 71.4
7.0 13.9 42.426.8 31.9 67.6
7.6 20.7 51.726.2 39.7 70.3
1.3 3.8 11.84.8 6.3 18.1
85.6 69.5 64.98.2 21.9 9.69.0 11.7 17.6
77.5 63.3 54.713.0 23.0 19.2
8.7 6.6 17.781.9 84.0 66.4
4.1 2.7 1.229.0 42.0 46.166.4 49.2 48.2
1.6 2.5 0.78.6 15.5 38.7
2.4 5.3 4.04.9 9.9 21.32.7 5.7 9.02.7 9.1 8.02.8 6.3 6.2
4.9 3.0 1.741.1 11.2 0.946.6 14.5 1.1
29.0 40.2 33.78.7 14.2 24.28.9 19.3 2.8
20.5 26.0 22.014.3 31.3 24.5
2.3 4.7 7.827.4 39.9 22.85.4 5.4 1.50.5 2.0 4.03.3 4.4 4.99.3 9.0 3.8
15.3 15.1 6.63.7 4.6 1.2
1.9 3.2 31.3
64 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Lower middleincome
GeorgiaPopulation (millions) 4.5 GNI per capita ($) 2,690
Europe & Central Asia Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
33.0 44.9 28.430.6 49.9 33.934.9 40.0 22.913.3 31.9 21.538.2 48.4 31.220.2 25.6 20.836.3 51.4 45.424.9 36.5 19.738.4 51.1 36.329.2 41.6 25.340.7 50.4 36.0
3.1 4.0 6.84.0 6.5 11.6
91.6 80.8 70.91.2 5.4 11.84.9 6.9 13.7
84.2 61.8 64.46.5 22.5 15.17.4 22.4 4.5
22.4 30.7 80.21.7 1.6 4.0
40.0 67.1 31.036.0 20.4 56.820.7 1.0 3.020.2 36.4 10.1
2.1 5.3 4.18.1 27.3 8.5
19.4 11.0 3.92.3 4.8 3.70.7 3.0 3.0
0.7 3.0 2.00.7 2.5 2.41.0 2.7 3.8
7.0 20.4 27.61.0 7.0 11.10.5 1.3 7.22.7 12.8 19.95.8 13.9 22.1
11.0 7.7 7.314.0 28.2 26.66.0 1.5 5.30.6 1.8 2.21.7 4.7 4.71.2 1.7 6.85.2 3.6 14.80.4 1.4 3.9
3.2 4.5 5.1
65The Little Data Book on Financial Inclusion 2012
Country data
Highincome
GermanyPopulation (millions) 81.8 GNI per capita ($) 43,070
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
98.1 89.497.5 91.798.7 87.396.0 76.898.4 92.297.2 72.998.6 92.398.8 85.895.2 92.1
.. 87.0
.. 89.0
1.6 2.19.5 6.4
53.4 56.134.5 34.0
3.2 3.98.0 18.8
81.1 71.715.4 26.258.9 53.7
1.5 3.079.2 68.717.3 23.31.3 0.8
88.0 61.4
36.9 24.445.9 49.562.0 42.017.0 13.224.8 18.1
.. ..
.. ..
.. ..
67.3 58.355.9 44.6
3.9 5.444.8 37.447.1 44.1
12.5 13.88.6 12.30.9 2.3
20.8 23.8.. .... .... .... ..
.. ..
66 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middleincome
GhanaPopulation (millions) 24.4 GNI per capita ($) 1,230
Sub-Saharan Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
29.4 24.1 28.431.8 26.7 33.927.1 21.4 22.926.5 16.8 21.531.5 27.7 31.216.5 14.0 20.851.4 36.2 45.415.5 13.9 19.743.2 31.9 36.325.2 20.7 25.352.5 39.7 36.0
5.1 3.8 6.86.0 6.3 11.6
63.9 69.5 70.930.1 21.9 11.811.2 11.7 13.770.8 63.3 64.418.0 23.0 15.1
2.0 6.6 4.594.3 84.0 80.2
1.3 2.7 4.024.3 42.0 31.071.2 49.2 56.81.2 2.5 3.0
11.4 15.5 10.1
6.5 5.3 4.111.5 9.9 8.5
7.2 5.7 3.911.8 9.1 3.76.5 6.3 3.0
0.9 3.0 2.01.0 11.2 2.41.5 14.5 3.8
36.6 40.2 27.616.1 14.2 11.19.5 19.3 7.2
22.4 26.0 19.927.5 31.3 22.1
5.8 4.7 7.328.8 39.9 26.6
3.4 5.4 5.32.5 2.0 2.26.0 4.4 4.77.8 9.0 6.86.9 15.1 14.84.3 4.6 3.9
11.8 3.2 5.1
67The Little Data Book on Financial Inclusion 2012
Country data
Highincome
GreecePopulation (millions) 11.3 GNI per capita ($) 26,950
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
77.9 89.480.3 91.775.7 87.347.1 76.883.2 92.276.6 72.978.4 92.374.4 85.881.0 92.175.4 87.080.3 89.0
0.3 2.110.3 6.479.1 56.15.2 34.02.3 3.9
64.8 18.826.3 71.714.1 26.276.3 53.7
0.4 3.052.8 68.744.7 23.3
0.4 0.834.0 61.4
8.0 24.432.3 49.521.0 42.04.8 13.24.9 18.1
1.3 ..0.3 ..0.6 ..
27.8 58.319.9 44.60.8 5.4
12.7 37.422.0 44.1
7.9 13.820.1 12.31.0 2.36.2 23.85.8 ..1.4 ..3.8 ..0.3 ..
.. ..
68 2012 The Little Data Book on Financial Inclusion
Country data
LatinAmerica &the Carib.
Lower middleincome
GuatemalaPopulation (millions) 14.4 GNI per capita ($) 2,740
Latin America & Caribbean Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
22.3 39.2 28.429.9 44.0 33.915.6 34.7 22.921.7 26.0 21.522.7 43.6 31.212.8 27.8 20.834.4 46.6 45.413.0 25.3 19.729.6 49.1 36.3
.. 33.6 25.3
.. 44.1 36.0
4.0 6.0 6.85.5 13.0 11.6
74.0 63.3 70.913.2 17.7 11.8
6.3 10.2 13.755.7 53.1 64.428.2 30.8 15.1
4.3 19.7 4.583.7 57.2 80.2
0.7 1.1 4.026.2 56.4 31.059.5 32.8 56.8
0.6 0.8 3.013.0 28.9 10.1
2.5 5.2 4.110.0 20.3 8.53.5 10.4 3.94.3 4.2 3.72.4 2.8 3.0
0.0 1.8 2.02.5 0.8 2.43.7 1.8 3.8
24.8 25.7 27.610.2 9.5 11.13.8 3.7 7.2
18.2 13.1 19.921.6 19.1 22.1
13.7 7.8 7.310.0 14.2 26.6
3.1 2.3 5.31.5 1.8 2.24.7 4.2 4.74.0 4.6 6.86.2 8.2 14.81.5 1.7 3.9
1.7 6.8 5.1
69The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Lowincome
GuineaPopulation (millions) 10.0 GNI per capita ($) 400
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
3.7 24.1 23.74.4 26.7 27.02.9 21.4 20.52.2 16.8 15.64.7 27.7 28.21.8 14.0 16.2
14.8 36.2 35.41.8 13.9 16.35.3 31.9 29.41.6 20.7 22.0
10.5 39.7 35.8
1.1 3.8 5.43.9 6.3 8.3
79.7 69.5 64.710.8 21.9 23.121.9 11.7 21.259.6 63.3 59.112.9 23.0 16.1
5.0 6.6 4.372.6 84.0 78.812.2 2.7 9.1
6.0 42.0 23.063.1 49.2 62.911.1 2.5 5.42.3 15.5 7.4
1.0 5.3 4.60.9 9.9 5.90.6 5.7 2.50.8 9.1 4.70.2 6.3 2.8
1.1 3.0 2.63.5 11.2 7.15.7 14.5 9.1
27.1 40.2 29.92.0 14.2 11.56.1 19.3 8.2
18.3 26.0 20.321.1 31.3 22.8
2.4 4.7 11.435.0 39.9 30.210.2 5.4 7.0
0.5 2.0 2.43.4 4.4 6.3
10.8 9.0 6.930.4 15.1 16.115.8 4.6 5.4
0.3 3.2 2.2
70 2012 The Little Data Book on Financial Inclusion
Country data
LatinAmerica &the Carib.
Lowincome
HaitiPopulation (millions) 10.0 GNI per capita ($) 670
Latin America & Caribbean Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
22.0 39.2 23.723.0 44.0 27.021.1 34.7 20.56.2 26.0 15.6
30.8 43.6 28.28.0 27.8 16.2
29.5 46.6 35.45.3 25.3 16.3
33.1 49.1 29.415.3 33.6 22.038.2 44.1 35.8
2.0 6.0 5.42.0 13.0 8.3
67.7 63.3 64.728.2 17.7 23.1
9.5 10.2 21.254.8 53.1 59.131.1 30.8 16.12.9 19.7 4.3
84.8 57.2 78.84.2 1.1 9.15.9 56.4 23.0
81.9 32.8 62.91.5 0.8 5.42.7 28.9 7.4
5.2 5.2 4.68.2 20.3 5.90.6 10.4 2.5
10.8 4.2 4.74.7 2.8 2.8
1.0 1.8 2.66.1 0.8 7.1
12.9 1.8 9.1
31.6 25.7 29.918.0 9.5 11.5
5.8 3.7 8.223.3 13.1 20.320.3 19.1 22.8
8.3 7.8 11.436.0 14.2 30.2
3.5 2.3 7.02.4 1.8 2.44.4 4.2 6.3
28.6 4.6 6.926.9 8.2 16.1
7.6 1.7 5.4
4.0 6.8 2.2
71The Little Data Book on Financial Inclusion 2012
Country data
LatinAmerica &the Carib.
Lower middleincome
HondurasPopulation (millions) 7.6 GNI per capita ($) 1,870
Latin America & Caribbean Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
20.5 39.2 28.426.3 44.0 33.914.9 34.7 22.917.2 26.0 21.522.1 43.6 31.210.8 27.8 20.832.9 46.6 45.412.7 25.3 19.725.9 49.1 36.314.2 33.6 25.332.8 44.1 36.0
2.9 6.0 6.85.3 13.0 11.6
75.4 63.3 70.914.7 17.7 11.84.9 10.2 13.7
64.9 53.1 64.425.8 30.8 15.1
5.0 19.7 4.577.5 57.2 80.24.8 1.1 4.0
26.1 56.4 31.059.6 32.8 56.84.3 0.8 3.0
11.1 28.9 10.1
1.9 5.2 4.18.3 20.3 8.52.0 10.4 3.94.1 4.2 3.71.7 2.8 3.0
1.1 1.8 2.01.0 0.8 2.41.8 1.8 3.8
21.8 25.7 27.68.5 9.5 11.12.3 3.7 7.2
13.5 13.1 19.916.0 19.1 22.1
7.1 7.8 7.310.8 14.2 26.6
2.7 2.3 5.31.5 1.8 2.22.6 4.2 4.74.3 4.6 6.87.9 8.2 14.81.6 1.7 3.9
1.3 6.8 5.1
72 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
Hong Kong SAR, ChinaPopulation (millions) 7.1 GNI per capita ($) 32,780
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
88.7 89.488.3 91.789.1 87.379.7 76.890.4 92.279.3 72.991.7 92.383.4 85.892.3 92.179.6 87.089.3 89.0
4.3 2.110.2 6.459.8 56.128.6 34.0
7.5 3.924.9 18.865.0 71.745.7 26.245.1 53.74.5 3.0
76.4 68.719.0 23.31.8 0.8
75.8 61.4
9.7 24.448.7 49.518.2 42.015.0 13.216.5 18.1
.. ..
.. ..
.. ..
59.0 58.342.8 44.6
3.0 5.448.2 37.450.8 44.1
7.9 13.812.1 12.3
2.1 2.311.2 23.8
.. ..
.. ..
.. ..
.. ..
.. ..
73The Little Data Book on Financial Inclusion 2012
Country data
Highincome
HungaryPopulation (millions) 10.0 GNI per capita ($) 12,860
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
72.7 89.472.2 91.773.1 87.351.0 76.875.8 92.246.3 72.983.6 92.360.4 85.880.9 92.169.7 87.078.4 89.0
5.8 2.17.1 6.4
86.5 56.16.1 34.0
10.0 3.941.9 18.847.4 71.75.6 26.2
39.0 53.71.3 3.0
80.9 68.712.9 23.3
0.7 0.862.4 61.4
7.1 24.438.9 49.534.1 42.05.0 13.23.0 18.1
2.2 ..1.4 ..1.8 ..
26.7 58.317.3 44.61.6 5.4
16.8 37.421.0 44.1
9.4 13.89.5 12.31.1 2.3
12.6 23.88.4 ..1.6 ..3.6 ..1.0 ..
.. ..
74 2012 The Little Data Book on Financial Inclusion
Country data
SouthAsia
Lower middleincome
IndiaPopulation (millions) 1,224.6 GNI per capita ($) 1,270
South Asia Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
35.2 33.0 28.443.7 40.7 33.926.5 25.0 22.927.3 24.7 21.538.6 36.6 31.230.5 27.8 20.859.5 54.2 45.427.1 25.3 19.744.4 41.0 36.333.1 30.8 25.341.0 39.2 36.0
7.0 6.6 6.812.6 11.7 11.672.3 70.5 70.911.4 12.9 11.814.9 15.9 13.768.5 66.4 64.412.2 11.9 15.1
1.6 2.0 4.589.3 85.3 80.2
3.1 5.3 4.018.4 18.0 31.069.7 68.6 56.83.2 4.0 3.08.4 7.2 10.1
4.1 4.0 4.18.3 7.4 8.54.0 3.5 3.91.9 2.0 3.71.8 1.6 3.0
2.2 2.0 2.00.6 0.8 2.42.0 1.9 3.8
22.4 21.3 27.611.6 11.1 11.13.2 3.3 7.2
16.7 15.5 19.918.0 17.2 22.1
7.7 8.7 7.319.7 19.5 26.66.6 6.4 5.32.3 2.4 2.23.7 4.4 4.75.5 4.9 6.8
14.2 14.1 14.83.4 3.9 3.9
6.8 5.5 5.1
75The Little Data Book on Financial Inclusion 2012
Country data
EastAsia &Pacific
Lower middleincome
IndonesiaPopulation (millions) 239.9 GNI per capita ($) 2,500
East Asia & Pacific Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
19.6 54.9 28.420.0 57.6 33.919.2 52.3 22.912.8 52.1 21.521.3 54.9 31.210.2 46.5 20.829.4 71.0 45.410.3 39.8 19.726.4 65.6 36.316.2 49.5 25.328.9 70.8 36.0
0.6 13.2 6.80.8 19.1 11.6
87.9 64.6 70.97.1 7.8 11.89.1 20.5 13.7
74.3 55.0 64.412.7 14.3 15.15.9 13.9 4.5
84.9 76.4 80.25.9 2.5 4.0
51.1 39.1 31.043.9 55.9 56.8
3.0 1.3 3.010.5 34.5 10.1
3.2 3.2 4.17.7 16.9 8.52.6 6.3 3.96.1 8.8 3.75.5 7.1 3.0
0.2 1.3 2.00.6 1.0 2.40.6 1.2 3.8
40.5 39.8 27.615.3 28.4 11.113.9 4.3 7.231.6 28.2 19.933.8 29.6 22.1
8.5 8.6 7.342.3 27.2 26.6
2.0 1.9 5.30.7 4.4 2.25.1 5.4 4.7
10.7 5.8 6.818.7 9.7 14.82.4 1.8 3.9
0.9 36.8 5.1
76 2012 The Little Data Book on Financial Inclusion
Country data
MiddleEast &
N. Africa
Upper middleincome
Iran, Islamic Rep.Population (millions) 74.0 GNI per capita ($) 4,520
Middle East & North Africa Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
73.7 17.7 57.285.2 23.1 61.461.9 12.5 53.167.9 12.3 51.776.5 20.3 58.264.9 13.1 47.578.7 23.2 71.465.9 8.8 42.482.3 17.3 67.671.1 10.5 51.775.7 17.9 70.3
14.9 19.1 11.820.5 30.8 18.160.9 50.8 64.911.9 14.6 9.618.6 24.4 17.641.7 50.2 54.730.8 19.3 19.244.4 6.0 17.750.2 66.6 66.4
1.0 4.2 1.267.7 37.6 46.126.5 51.8 48.2
0.4 1.2 0.758.3 9.1 38.7
17.6 4.7 4.026.1 6.0 21.349.3 3.1 9.027.3 2.7 8.028.2 2.3 6.2
.. 1.0 1.7
.. 1.3 0.9
.. 2.4 1.1
32.3 20.0 33.719.7 4.5 24.25.6 3.6 2.8
20.3 13.9 22.020.4 15.9 24.5
30.7 5.1 7.850.1 31.1 22.86.6 4.7 1.5
15.1 4.5 4.0.. 7.7 4.9.. 5.8 3.8.. 15.7 6.6.. 5.5 1.2
19.3 2.5 31.3
77The Little Data Book on Financial Inclusion 2012
Country data
MiddleEast &
N. Africa
Lower middleincome
IraqPopulation (millions) 32.0 GNI per capita ($) 2,340
Middle East & North Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
10.6 17.7 28.413.5 23.1 33.9
7.5 12.5 22.97.1 12.3 21.5
12.0 20.3 31.27.6 13.1 20.8
14.3 23.2 45.47.3 8.8 19.7
13.5 17.3 36.37.6 10.5 25.3
12.2 17.9 36.0
2.0 19.1 6.817.2 30.8 11.651.9 50.8 70.916.8 14.6 11.815.4 24.4 13.744.8 50.2 64.410.8 19.3 15.1
1.4 6.0 4.574.6 66.6 80.24.6 4.2 4.05.5 37.6 31.0
84.1 51.8 56.80.0 1.2 3.03.3 9.1 10.1
2.2 4.7 4.13.3 6.0 8.54.3 3.1 3.91.6 2.7 3.71.0 2.3 3.0
1.8 1.0 2.02.4 1.3 2.47.0 2.4 3.8
26.2 20.0 27.65.4 4.5 11.15.7 3.6 7.2
19.9 13.9 19.922.3 15.9 22.1
8.0 5.1 7.341.5 31.1 26.68.5 4.7 5.3
14.8 4.5 2.216.9 7.7 4.712.9 5.8 6.826.7 15.7 14.812.6 5.5 3.9
0.2 2.5 5.1
78 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
IrelandPopulation (millions) 4.5 GNI per capita ($) 41,820
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
93.9 89.495.7 91.792.2 87.388.1 76.895.3 92.283.2 72.995.6 92.390.6 85.896.0 92.193.9 87.093.8 89.0
1.6 2.14.0 6.4
44.2 56.147.4 34.03.1 3.9
15.1 18.877.5 71.75.3 26.2
78.6 53.75.3 3.0
74.4 68.716.5 23.3
1.0 0.870.5 61.4
37.4 24.451.7 49.539.0 42.011.8 13.216.5 18.1
.. ..
.. ..
.. ..
64.6 58.351.3 44.69.3 5.4
44.3 37.451.9 44.1
15.7 13.811.3 12.31.9 2.3
32.4 23.8.. .... .... .... ..
.. ..
79The Little Data Book on Financial Inclusion 2012
Country data
Highincome
IsraelPopulation (millions) 7.6 GNI per capita ($) 27,180
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
90.5 89.488.4 91.792.4 87.373.7 76.895.2 92.291.1 72.990.8 92.388.3 85.892.0 92.183.8 87.092.9 89.0
0.2 2.10.7 6.4
73.5 56.116.1 34.01.2 3.9
19.6 18.868.9 71.730.4 26.253.6 53.7
2.5 3.067.8 68.719.8 23.31.3 0.87.5 61.4
8.4 24.443.7 49.531.6 42.09.8 13.28.4 18.1
12.6 ..1.9 ..1.3 ..
44.9 58.324.8 44.63.2 5.4
34.7 37.426.3 44.1
16.7 13.819.9 12.3
2.0 2.315.3 23.810.6 ..9.8 ..7.1 ..6.7 ..
.. ..
80 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
ItalyPopulation (millions) 60.5 GNI per capita ($) 35,700
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
71.0 89.479.1 91.764.3 87.331.8 76.878.2 92.264.3 72.982.7 92.367.6 85.873.1 92.174.1 87.067.6 89.0
2.6 2.14.5 6.4
77.4 56.19.5 34.03.9 3.9
33.8 18.844.1 71.713.0 26.254.3 53.7
0.1 3.056.4 68.737.6 23.30.0 0.8
35.2 61.4
8.1 24.431.4 49.522.4 42.0
3.4 13.23.2 18.1
.. ..
.. ..
.. ..
26.4 58.315.5 44.6
0.7 5.49.9 37.4
20.8 44.1
4.6 13.83.3 12.32.3 2.3
10.2 23.8.. .... .... .... ..
.. ..
81The Little Data Book on Financial Inclusion 2012
Country data
Highincome
JapanPopulation (millions) 127.5 GNI per capita ($) 41,850
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
96.4 89.496.0 91.796.8 87.385.9 76.897.9 92.289.6 72.999.3 92.395.1 85.897.4 92.195.0 87.098.9 89.0
4.4 2.111.7 6.465.4 56.120.6 34.0
7.0 3.941.5 18.848.4 71.773.6 26.216.3 53.7
0.6 3.083.2 68.712.2 23.3
0.4 0.813.0 61.4
9.2 24.452.4 49.547.7 42.07.4 13.2
13.8 18.1
.. ..
.. ..
.. ..
63.3 58.351.3 44.6
6.7 5.442.6 37.450.8 44.1
6.1 13.85.1 12.30.5 2.3
16.0 23.8.. .... .... .... ..
.. ..
82 2012 The Little Data Book on Financial Inclusion
Country data
MiddleEast &
N. Africa
Upper middleincome
JordanPopulation (millions) 6.0 GNI per capita ($) 4,340
Middle East & North Africa Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
25.5 17.7 57.233.7 23.1 61.417.4 12.5 53.111.5 12.3 51.734.3 20.3 58.215.9 13.1 47.528.4 23.2 71.418.4 8.8 42.431.3 17.3 67.626.6 10.5 51.724.8 17.9 70.3
3.2 19.1 11.825.1 30.8 18.165.2 50.8 64.9
7.9 14.6 9.65.1 24.4 17.6
71.6 50.2 54.722.0 19.3 19.2
6.0 6.0 17.769.4 66.6 66.40.3 4.2 1.2
55.1 37.6 46.140.3 51.8 48.2
0.0 1.2 0.714.7 9.1 38.7
4.1 4.7 4.05.7 6.0 21.38.5 3.1 9.02.1 2.7 8.00.3 2.3 6.2
0.0 1.0 1.70.0 1.3 0.90.0 2.4 1.1
18.2 20.0 33.78.3 4.5 24.23.8 3.6 2.8
11.8 13.9 22.014.4 15.9 24.5
4.5 5.1 7.826.1 31.1 22.8
1.4 4.7 1.52.7 4.5 4.03.5 7.7 4.95.6 5.8 3.8
11.8 15.7 6.60.8 5.5 1.2
1.1 2.5 31.3
83The Little Data Book on Financial Inclusion 2012
Country data
Europe &Central
Asia
Upper middleincome
KazakhstanPopulation (millions) 16.3 GNI per capita ($) 7,580
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
42.1 44.9 57.240.2 49.9 61.443.7 40.0 53.126.7 31.9 51.747.6 48.4 58.219.8 25.6 47.545.7 51.4 71.435.1 36.5 42.446.8 51.1 67.637.4 41.6 51.749.5 50.4 70.3
3.5 4.0 11.84.7 6.5 18.1
74.0 80.8 64.93.7 5.4 9.67.8 6.9 17.6
65.3 61.8 54.710.2 22.5 19.28.9 22.4 17.7
39.5 30.7 66.42.4 1.6 1.2
55.5 67.1 46.128.1 20.4 48.2
1.1 1.0 0.731.3 36.4 38.7
10.5 5.3 4.029.5 27.3 21.3
9.1 11.0 9.03.2 4.8 8.03.3 3.0 6.2
4.3 3.0 1.72.5 2.5 0.92.5 2.7 1.1
21.9 20.4 33.76.7 7.0 24.22.6 1.3 2.8
13.9 12.8 22.011.4 13.9 24.5
13.1 7.7 7.831.3 28.2 22.83.3 1.5 1.54.5 1.8 4.05.9 4.7 4.93.1 1.7 3.85.1 3.6 6.62.4 1.4 1.2
1.9 4.5 31.3
84 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lowincome
KenyaPopulation (millions) 40.5 GNI per capita ($) 790
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
42.3 24.1 23.745.6 26.7 27.039.2 21.4 20.540.3 16.8 15.643.3 27.7 28.219.4 14.0 16.262.8 36.2 35.418.9 13.9 16.361.6 31.9 29.437.9 20.7 22.076.0 39.7 35.8
4.4 3.8 5.410.8 6.3 8.362.6 69.5 64.726.6 21.9 23.18.3 11.7 21.2
66.5 63.3 59.125.2 23.0 16.1
4.2 6.6 4.381.4 84.0 78.83.9 2.7 9.1
69.2 42.0 23.024.7 49.2 62.92.2 2.5 5.4
29.9 15.5 7.4
12.5 5.3 4.615.9 9.9 5.95.3 5.7 2.5
17.2 9.1 4.710.2 6.3 2.8
13.4 3.0 2.660.5 11.2 7.166.7 14.5 9.1
40.1 40.2 29.923.3 14.2 11.519.4 19.3 8.226.5 26.0 20.334.0 31.3 22.8
9.7 4.7 11.458.2 39.9 30.2
6.6 5.4 7.00.9 2.0 2.43.6 4.4 6.38.5 9.0 6.9
10.7 15.1 16.11.3 4.6 5.4
5.4 3.2 2.2
85The Little Data Book on Financial Inclusion 2012
Country data
Highincome
Korea, Rep.Population (millions) 48.9 GNI per capita ($) 19,890
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
93.0 89.493.0 91.793.1 87.384.1 76.896.3 92.291.4 72.993.3 92.389.3 85.895.5 92.184.8 87.094.6 89.0
4.1 2.112.0 6.445.2 56.140.5 34.0
7.2 3.926.6 18.863.6 71.760.7 26.232.6 53.70.5 3.0
77.0 68.719.7 23.30.5 0.8
57.9 61.4
19.0 24.449.4 49.525.2 42.039.9 13.250.9 18.1
.. ..
.. ..
.. ..
64.5 58.346.9 44.610.8 5.444.6 37.442.0 44.1
16.6 13.817.0 12.30.6 2.3
20.2 23.8.. .... .... .... ..
.. ..
86 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Lower middleincome
KosovoPopulation (millions) 1.8 GNI per capita ($) 3,290
Europe & Central Asia Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
44.3 44.9 28.457.3 49.9 33.931.5 40.0 22.933.5 31.9 21.547.5 48.4 31.226.4 25.6 20.856.9 51.4 45.434.0 36.5 19.753.2 51.1 36.342.0 41.6 25.352.4 50.4 36.0
5.6 4.0 6.815.9 6.5 11.658.3 80.8 70.913.0 5.4 11.88.4 6.9 13.7
50.6 61.8 64.428.6 22.5 15.1
3.5 22.4 4.567.1 30.7 80.20.4 1.6 4.0
48.5 67.1 31.037.1 20.4 56.80.3 1.0 3.0
29.0 36.4 10.1
3.9 5.3 4.114.9 27.3 8.59.5 11.0 3.98.9 4.8 3.73.4 3.0 3.0
8.5 3.0 2.09.2 2.5 2.4
13.9 2.7 3.8
14.6 20.4 27.64.9 7.0 11.10.9 1.3 7.25.4 12.8 19.99.7 13.9 22.1
6.1 7.7 7.317.0 28.2 26.62.2 1.5 5.31.6 1.8 2.25.5 4.7 4.71.4 1.7 6.81.5 3.6 14.81.3 1.4 3.9
1.3 4.5 5.1
87The Little Data Book on Financial Inclusion 2012
Country data
Highincome
KuwaitPopulation (millions) 2.7 GNI per capita ($) 47,790
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
86.8 89.492.7 91.779.6 87.373.6 76.891.9 92.297.5 72.985.9 92.382.1 85.891.2 92.1
.. 87.086.7 89.0
0.1 2.16.7 6.4
80.5 56.111.8 34.00.6 3.9
18.3 18.880.5 71.732.6 26.245.6 53.7
0.0 3.085.0 68.710.9 23.3
0.7 0.883.9 61.4
2.8 24.451.1 49.541.3 42.06.0 13.28.6 18.1
9.5 ..2.2 ..2.4 ..
50.1 58.340.3 44.612.8 5.435.2 37.443.9 44.1
20.8 13.818.3 12.3
2.5 2.321.6 23.814.3 ..19.1 ..5.8 ..7.0 ..
.. ..
88 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
AsiaLow
income
Kyrgyz RepublicPopulation (millions) 5.4 GNI per capita ($) 830
Europe & Central Asia Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
3.8 44.9 23.73.6 49.9 27.03.9 40.0 20.53.1 31.9 15.64.2 48.4 28.20.0 25.6 16.24.7 51.4 35.41.1 36.5 16.35.6 51.1 29.42.6 41.6 22.08.1 50.4 35.8
3.9 4.0 5.43.9 6.5 8.3
71.6 80.8 64.715.5 5.4 23.113.2 6.9 21.247.2 61.8 59.136.5 22.5 16.110.1 22.4 4.353.4 30.7 78.8
2.3 1.6 9.151.0 67.1 23.042.1 20.4 62.90.0 1.0 5.41.7 36.4 7.4
1.3 5.3 4.62.4 27.3 5.90.2 11.0 2.51.4 4.8 4.70.5 3.0 2.8
1.1 3.0 2.60.3 2.5 7.10.8 2.7 9.1
36.4 20.4 29.90.9 7.0 11.52.7 1.3 8.2
25.4 12.8 20.326.3 13.9 22.8
11.3 7.7 11.425.5 28.2 30.2
1.5 1.5 7.00.4 1.8 2.45.7 4.7 6.31.1 1.7 6.91.6 3.6 16.10.3 1.4 5.4
0.0 4.5 2.2
89The Little Data Book on Financial Inclusion 2012
Country data
EastAsia &Pacific
Lower middleincome
Lao PDRPopulation (millions) 6.2 GNI per capita ($) 1,050
East Asia & Pacific Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
26.8 54.9 28.427.4 57.6 33.926.2 52.3 22.923.0 52.1 21.527.8 54.9 31.222.0 46.5 20.834.7 71.0 45.420.1 39.8 19.731.7 65.6 36.320.2 49.5 25.332.0 70.8 36.0
20.5 13.2 6.823.0 19.1 11.671.1 64.6 70.95.4 7.8 11.8
73.1 20.5 13.721.2 55.0 64.43.5 14.3 15.11.2 13.9 4.5
83.8 76.4 80.214.3 2.5 4.011.8 39.1 31.074.1 55.9 56.812.8 1.3 3.0
6.5 34.5 10.1
4.5 3.2 4.13.0 16.9 8.51.0 6.3 3.93.0 8.8 3.71.7 7.1 3.0
0.0 1.3 2.00.0 1.0 2.40.0 1.2 3.8
54.5 39.8 27.619.4 28.4 11.1
8.1 4.3 7.247.4 28.2 19.952.3 29.6 22.1
18.1 8.6 7.315.6 27.2 26.64.9 1.9 5.31.2 4.4 2.2
11.4 5.4 4.78.1 5.8 6.8
16.1 9.7 14.82.1 1.8 3.9
4.5 36.8 5.1
90 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Upper middleincome
LatviaPopulation (millions) 2.2 GNI per capita ($) 11,640
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
89.7 44.9 57.286.7 49.9 61.492.0 40.0 53.178.9 31.9 51.791.9 48.4 58.274.4 25.6 47.594.2 51.4 71.483.6 36.5 42.493.8 51.1 67.686.4 41.6 51.792.6 50.4 70.3
3.8 4.0 11.87.2 6.5 18.1
82.3 80.8 64.97.6 5.4 9.65.0 6.9 17.6
39.7 61.8 54.751.9 22.5 19.225.8 22.4 17.726.6 30.7 66.4
5.4 1.6 1.284.2 67.1 46.1
9.6 20.4 48.20.8 1.0 0.7
77.8 36.4 38.7
6.4 5.3 4.053.5 27.3 21.349.1 11.0 9.012.3 4.8 8.0
7.9 3.0 6.2
2.5 3.0 1.70.9 2.5 0.91.6 2.7 1.1
19.8 20.4 33.713.3 7.0 24.2
1.5 1.3 2.88.7 12.8 22.0
14.5 13.9 24.5
6.8 7.7 7.819.2 28.2 22.8
2.4 1.5 1.58.1 1.8 4.05.1 4.7 4.93.8 1.7 3.84.3 3.6 6.60.7 1.4 1.2
6.8 4.5 31.3
91The Little Data Book on Financial Inclusion 2012
Country data
MiddleEast &
N. Africa
Upper middleincome
LebanonPopulation (millions) 4.2 GNI per capita ($) 8,880
Middle East & North Africa Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
37.0 17.7 57.249.4 23.1 61.425.9 12.5 53.122.7 12.3 51.741.2 20.3 58.223.2 13.1 47.544.6 23.2 71.423.2 8.8 42.446.5 17.3 67.629.8 10.5 51.739.1 17.9 70.3
3.6 19.1 11.88.1 30.8 18.1
74.2 50.8 64.915.5 14.6 9.617.5 24.4 17.649.1 50.2 54.730.7 19.3 19.2
1.1 6.0 17.788.5 66.6 66.4
0.8 4.2 1.250.1 37.6 46.143.7 51.8 48.20.2 1.2 0.7
21.4 9.1 38.7
11.2 4.7 4.016.9 6.0 21.3
1.9 3.1 9.05.9 2.7 8.02.3 2.3 6.2
0.3 1.0 1.70.0 1.3 0.90.2 2.4 1.1
30.8 20.0 33.717.1 4.5 24.22.8 3.6 2.8
19.6 13.9 22.025.0 15.9 24.5
11.3 5.1 7.812.0 31.1 22.82.2 4.7 1.55.9 4.5 4.07.7 7.7 4.9
16.6 5.8 3.87.9 15.7 6.61.3 5.5 1.2
7.9 2.5 31.3
92 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middleincome
LesothoPopulation (millions) 2.2 GNI per capita ($) 1,040
Sub-Saharan Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
18.5 24.1 28.420.2 26.7 33.916.9 21.4 22.913.9 16.8 21.520.0 27.7 31.210.6 14.0 20.833.8 36.2 45.4
8.2 13.9 19.725.8 31.9 36.314.5 20.7 25.336.2 39.7 36.0
3.4 3.8 6.86.2 6.3 11.6
69.8 69.5 70.923.9 21.9 11.8
5.8 11.7 13.767.1 63.3 64.427.1 23.0 15.112.8 6.6 4.583.0 84.0 80.2
0.2 2.7 4.070.1 42.0 31.028.2 49.2 56.8
0.7 2.5 3.014.5 15.5 10.1
3.7 5.3 4.16.6 9.9 8.56.1 5.7 3.99.8 9.1 3.75.5 6.3 3.0
4.6 3.0 2.05.7 11.2 2.46.7 14.5 3.8
26.2 40.2 27.67.9 14.2 11.1
15.8 19.3 7.211.9 26.0 19.917.0 31.3 22.1
3.0 4.7 7.350.8 39.9 26.6
5.7 5.4 5.31.0 2.0 2.21.6 4.4 4.7
11.3 9.0 6.812.8 15.1 14.8
3.7 4.6 3.9
2.3 3.2 5.1
93The Little Data Book on Financial Inclusion 2012
Country data
Europe &Central
Asia
Upper middleincome
LithuaniaPopulation (millions) 3.3 GNI per capita ($) 11,510
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
73.8 44.9 57.271.0 49.9 61.476.1 40.0 53.144.0 31.9 51.779.9 48.4 58.247.4 25.6 47.577.8 51.4 71.466.8 36.5 42.478.4 51.1 67.673.1 41.6 51.774.8 50.4 70.3
4.0 4.0 11.84.8 6.5 18.1
82.3 80.8 64.96.8 5.4 9.65.8 6.9 17.6
43.3 61.8 54.742.1 22.5 19.210.1 22.4 17.738.7 30.7 66.42.2 1.6 1.2
83.2 67.1 46.18.8 20.4 48.20.2 1.0 0.7
61.3 36.4 38.7
3.0 5.3 4.040.1 27.3 21.328.6 11.0 9.011.3 4.8 8.0
7.7 3.0 6.2
1.8 3.0 1.70.2 2.5 0.90.5 2.7 1.1
32.7 20.4 33.720.5 7.0 24.2
4.3 1.3 2.814.9 12.8 22.029.7 13.9 24.5
5.6 7.7 7.825.4 28.2 22.8
3.7 1.5 1.55.6 1.8 4.04.7 4.7 4.92.0 1.7 3.82.9 3.6 6.61.0 1.4 1.2
14.6 4.5 31.3
94 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
LuxembourgPopulation (thousands) 507 GNI per capita ($) 76,980
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
94.6 89.493.7 91.795.3 87.384.0 76.896.9 92.288.9 72.995.8 92.395.1 85.894.3 92.196.8 87.089.1 89.0
0.3 2.12.9 6.4
67.4 56.124.2 34.0
2.9 3.918.9 18.870.7 71.711.0 26.271.3 53.71.2 3.0
67.9 68.726.1 23.30.2 0.8
73.2 61.4
32.9 24.440.4 49.536.7 42.011.1 13.215.4 18.1
.. ..
.. ..
.. ..
71.5 58.352.0 44.6
7.9 5.447.9 37.451.6 44.1
17.4 13.85.7 12.31.5 2.3
34.1 23.8.. .... .... .... ..
.. ..
95The Little Data Book on Financial Inclusion 2012
Country data
Europe &Central
Asia
Upper middleincome
Macedonia, FYRPopulation (millions) 2.1 GNI per capita ($) 4,570
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
73.7 44.9 57.275.9 49.9 61.471.5 40.0 53.170.7 31.9 51.774.5 48.4 58.263.9 25.6 47.582.9 51.4 71.472.2 36.5 42.474.7 51.1 67.672.6 41.6 51.774.7 50.4 70.3
3.7 4.0 11.89.8 6.5 18.1
71.0 80.8 64.96.9 5.4 9.67.8 6.9 17.6
52.4 61.8 54.726.4 22.5 19.2
3.4 22.4 17.756.5 30.7 66.4
2.4 1.6 1.233.2 67.1 46.145.4 20.4 48.2
2.3 1.0 0.736.3 36.4 38.7
11.0 5.3 4.032.8 27.3 21.3
8.6 11.0 9.05.9 4.8 8.03.3 3.0 6.2
12.9 3.0 1.74.8 2.5 0.96.8 2.7 1.1
21.7 20.4 33.77.8 7.0 24.21.2 1.3 2.8
15.4 12.8 22.016.1 13.9 24.5
10.6 7.7 7.823.6 28.2 22.8
2.7 1.5 1.53.9 1.8 4.07.0 4.7 4.95.2 1.7 3.8
12.0 3.6 6.64.3 1.4 1.2
5.6 4.5 31.3
96 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lowincome
MadagascarPopulation (millions) 20.7 GNI per capita ($) 430
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
5.5 24.1 23.76.5 26.7 27.04.6 21.4 20.53.8 16.8 15.66.2 27.7 28.21.7 14.0 16.2
15.8 36.2 35.40.9 13.9 16.39.6 31.9 29.44.3 20.7 22.09.7 39.7 35.8
5.9 3.8 5.47.3 6.3 8.3
84.1 69.5 64.78.6 21.9 23.1
15.1 11.7 21.269.1 63.3 59.115.8 23.0 16.1
7.4 6.6 4.391.7 84.0 78.80.9 2.7 9.1
11.5 42.0 23.084.6 49.2 62.9
0.9 2.5 5.40.9 15.5 7.4
1.8 5.3 4.63.2 9.9 5.91.2 5.7 2.51.2 9.1 4.71.0 6.3 2.8
0.0 3.0 2.60.8 11.2 7.10.7 14.5 9.1
19.7 40.2 29.91.4 14.2 11.50.3 19.3 8.2
10.2 26.0 20.317.0 31.3 22.8
2.3 4.7 11.457.7 39.9 30.20.6 5.4 7.00.8 2.0 2.42.3 4.4 6.35.4 9.0 6.9
38.0 15.1 16.14.1 4.6 5.4
0.3 3.2 2.2
97The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Lowincome
MalawiPopulation (millions) 14.9 GNI per capita ($) 330
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
16.5 24.1 23.716.2 26.7 27.016.9 21.4 20.510.3 16.8 15.620.1 27.7 28.211.9 14.0 16.236.3 36.2 35.4
.. 13.9 16.3
.. 31.9 29.415.2 20.7 22.030.4 39.7 35.8
4.1 3.8 5.48.6 6.3 8.3
74.0 69.5 64.717.4 21.9 23.19.3 11.7 21.2
64.6 63.3 59.126.1 23.0 16.10.4 6.6 4.3
92.6 84.0 78.83.3 2.7 9.1
39.2 42.0 23.055.5 49.2 62.9
1.5 2.5 5.49.4 15.5 7.4
3.2 5.3 4.66.4 9.9 5.93.6 5.7 2.57.0 9.1 4.74.9 6.3 2.8
0.8 3.0 2.60.5 11.2 7.10.7 14.5 9.1
33.0 40.2 29.98.2 14.2 11.59.9 19.3 8.2
22.0 26.0 20.318.6 31.3 22.8
9.2 4.7 11.444.0 39.9 30.2
5.3 5.4 7.05.3 2.0 2.46.6 4.4 6.39.0 9.0 6.9
15.3 15.1 16.17.2 4.6 5.4
0.5 3.2 2.2
98 2012 The Little Data Book on Financial Inclusion
Country data
EastAsia &Pacific
Upper middleincome
MalaysiaPopulation (millions) 28.4 GNI per capita ($) 7,760
East Asia & Pacific Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
66.2 54.9 57.269.2 57.6 61.463.1 52.3 53.157.1 52.1 51.770.2 54.9 58.239.7 46.5 47.574.1 71.0 71.450.1 39.8 42.476.9 65.6 67.651.8 49.5 51.777.6 70.8 70.3
5.3 13.2 11.811.0 19.1 18.169.8 64.6 64.911.6 7.8 9.69.2 20.5 17.6
46.6 55.0 54.737.0 14.3 19.253.1 13.9 17.738.0 76.4 66.4
0.1 2.5 1.277.1 39.1 46.117.2 55.9 48.20.1 1.3 0.7
23.1 34.5 38.7
6.5 3.2 4.026.3 16.9 21.3
7.5 6.3 9.09.6 8.8 8.09.9 7.1 6.2
2.4 1.3 1.70.5 1.0 0.90.4 1.2 1.1
51.0 39.8 33.735.4 28.4 24.2
6.5 4.3 2.834.9 28.2 22.044.4 29.6 24.5
11.2 8.6 7.819.9 27.2 22.82.2 1.9 1.5
12.7 4.4 4.03.0 5.4 4.95.5 5.8 3.8
10.0 9.7 6.62.2 1.8 1.2
16.4 36.8 31.3
99The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Lowincome
MaliPopulation (millions) 15.4 GNI per capita ($) 600
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
8.2 24.1 23.79.6 26.7 27.06.9 21.4 20.54.9 16.8 15.6
10.4 27.7 28.26.1 14.0 16.2
20.5 36.2 35.44.8 13.9 16.3
10.8 31.9 29.47.3 20.7 22.0
17.7 39.7 35.8
9.0 3.8 5.413.0 6.3 8.368.5 69.5 64.717.6 21.9 23.120.3 11.7 21.259.6 63.3 59.119.2 23.0 16.1
1.5 6.6 4.378.0 84.0 78.813.2 2.7 9.1
4.2 42.0 23.073.6 49.2 62.913.5 2.5 5.4
1.8 15.5 7.4
2.8 5.3 4.63.1 9.9 5.91.7 5.7 2.51.5 9.1 4.71.1 6.3 2.8
0.3 3.0 2.60.3 11.2 7.11.0 14.5 9.1
37.4 40.2 29.94.5 14.2 11.5
12.3 19.3 8.225.0 26.0 20.318.9 31.3 22.8
3.7 4.7 11.424.1 39.9 30.22.5 5.4 7.00.6 2.0 2.41.9 4.4 6.38.1 9.0 6.9
17.9 15.1 16.17.1 4.6 5.4
1.0 3.2 2.2
100 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
MaltaPopulation (thousands) 416 GNI per capita ($) 19,130
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
95.3 89.496.6 91.794.1 87.388.7 76.896.5 92.292.3 72.995.8 92.394.3 85.895.9 92.195.0 87.095.7 89.0
6.4 2.112.7 6.473.1 56.18.8 34.08.6 3.9
28.2 18.853.6 71.733.7 26.236.0 53.7
3.4 3.071.3 68.722.2 23.3
0.3 0.871.2 61.4
7.2 24.446.0 49.555.9 42.0
2.6 13.21.9 18.1
.. ..
.. ..
.. ..
52.1 58.344.8 44.6
2.6 5.429.0 37.440.3 44.1
10.0 13.85.0 12.30.1 2.3
18.4 23.8.. .... .... .... ..
.. ..
101The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Lower middleincome
MauritaniaPopulation (millions) 3.5 GNI per capita ($) 1,030
Sub-Saharan Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
17.5 24.1 28.423.3 26.7 33.912.1 21.4 22.910.7 16.8 21.521.2 27.7 31.210.6 14.0 20.832.1 36.2 45.4
7.0 13.9 19.726.4 31.9 36.316.7 20.7 25.318.9 39.7 36.0
3.4 3.8 6.87.1 6.3 11.6
62.1 69.5 70.926.3 21.9 11.8
9.8 11.7 13.759.9 63.3 64.425.6 23.0 15.13.8 6.6 4.5
74.3 84.0 80.28.4 2.7 4.06.5 42.0 31.0
70.6 49.2 56.811.0 2.5 3.06.3 15.5 10.1
3.5 5.3 4.17.6 9.9 8.58.1 5.7 3.93.8 9.1 3.76.1 6.3 3.0
7.5 3.0 2.07.1 11.2 2.4
16.0 14.5 3.8
22.9 40.2 27.66.4 14.2 11.14.5 19.3 7.2
17.0 26.0 19.913.7 31.3 22.1
7.9 4.7 7.334.5 39.9 26.610.9 5.4 5.35.3 2.0 2.2
11.5 4.4 4.716.5 9.0 6.823.8 15.1 14.816.3 4.6 3.9
2.0 3.2 5.1
102 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Upper middleincome
MauritiusPopulation (millions) 1.3 GNI per capita ($) 7,750
Sub-Saharan Africa Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
80.1 24.1 57.285.8 26.7 61.474.7 21.4 53.173.1 16.8 51.781.7 27.7 58.273.8 14.0 47.586.0 36.2 71.469.9 13.9 42.487.1 31.9 67.681.7 20.7 51.777.8 39.7 70.3
6.5 3.8 11.89.8 6.3 18.1
80.0 69.5 64.98.3 21.9 9.68.8 11.7 17.6
49.0 63.3 54.740.3 23.0 19.2
8.9 6.6 17.775.1 84.0 66.4
5.7 2.7 1.256.7 42.0 46.135.5 49.2 48.2
1.3 2.5 0.750.9 15.5 38.7
5.3 5.3 4.026.7 9.9 21.321.8 5.7 9.03.2 9.1 8.00.8 6.3 6.2
1.8 3.0 1.76.8 11.2 0.97.3 14.5 1.1
45.6 40.2 33.730.8 14.2 24.2
6.4 19.3 2.828.1 26.0 22.039.0 31.3 24.5
14.3 4.7 7.86.0 39.9 22.80.2 5.4 1.54.5 2.0 4.0
10.2 4.4 4.93.2 9.0 3.82.1 15.1 6.61.1 4.6 1.2
9.8 3.2 31.3
103The Little Data Book on Financial Inclusion 2012
Country data
LatinAmerica &the Carib.
Upper middleincome
MexicoPopulation (millions) 113.4 GNI per capita ($) 8,890
Latin America & Caribbean Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
27.4 39.2 57.233.2 44.0 61.422.0 34.7 53.128.6 26.0 51.726.0 43.6 58.213.4 27.8 47.537.9 46.6 71.412.1 25.3 42.437.7 49.1 67.610.9 33.6 51.736.7 44.1 70.3
10.3 6.0 11.821.0 13.0 18.142.6 63.3 64.928.7 17.7 9.617.6 10.2 17.637.0 53.1 54.737.7 30.8 19.210.5 19.7 17.779.5 57.2 66.4
0.1 1.1 1.257.4 56.4 46.132.6 32.8 48.20.2 0.8 0.7
22.3 28.9 38.7
2.5 5.2 4.014.1 20.3 21.34.1 10.4 9.05.2 4.2 8.03.1 2.8 6.2
3.9 1.8 1.71.5 0.8 0.93.1 1.8 1.1
27.1 25.7 33.76.7 9.5 24.25.4 3.7 2.8
13.6 13.1 22.018.3 19.1 24.5
7.6 7.8 7.814.8 14.2 22.82.9 2.3 1.52.7 1.8 4.06.2 4.2 4.98.6 4.6 3.8
15.0 8.2 6.63.3 1.7 1.2
8.5 6.8 31.3
104 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Lower middleincome
MoldovaPopulation (millions) 3.6 GNI per capita ($) 1,810
Europe & Central Asia Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
18.1 44.9 28.419.1 49.9 33.917.2 40.0 22.917.4 31.9 21.518.0 48.4 31.2
4.0 25.6 20.822.2 51.4 45.4
9.7 36.5 19.723.9 51.1 36.314.9 41.6 25.330.0 50.4 36.0
6.9 4.0 6.818.0 6.5 11.667.1 80.8 70.94.0 5.4 11.8
11.1 6.9 13.758.5 61.8 64.420.0 22.5 15.1
7.0 22.4 4.536.5 30.7 80.2
3.2 1.6 4.069.6 67.1 31.022.7 20.4 56.80.4 1.0 3.0
16.0 36.4 10.1
1.2 5.3 4.18.9 27.3 8.56.4 11.0 3.92.4 4.8 3.70.7 3.0 3.0
0.9 3.0 2.02.3 2.5 2.44.2 2.7 3.8
22.2 20.4 27.63.5 7.0 11.12.4 1.3 7.2
13.9 12.8 19.916.5 13.9 22.1
6.4 7.7 7.342.1 28.2 26.63.8 1.5 5.30.6 1.8 2.27.8 4.7 4.74.8 1.7 6.8
18.0 3.6 14.82.7 1.4 3.9
1.6 4.5 5.1
105The Little Data Book on Financial Inclusion 2012
Country data
EastAsia &Pacific
Lower middleincome
MongoliaPopulation (millions) 2.8 GNI per capita ($) 1,870
East Asia & Pacific Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
77.7 54.9 28.472.8 57.6 33.982.4 52.3 22.973.4 52.1 21.579.2 54.9 31.253.6 46.5 20.885.8 71.0 45.471.0 39.8 19.783.6 65.6 36.377.1 49.5 25.378.7 70.8 36.0
0.9 13.2 6.81.9 19.1 11.6
68.6 64.6 70.926.9 7.8 11.8
3.6 20.5 13.753.4 55.0 64.438.6 14.3 15.1
0.0 13.9 4.589.7 76.4 80.2
1.1 2.5 4.045.8 39.1 31.051.0 55.9 56.80.8 1.3 3.0
60.6 34.5 10.1
11.5 3.2 4.129.4 16.9 8.549.4 6.3 3.941.0 8.8 3.736.6 7.1 3.0
3.6 1.3 2.06.9 1.0 2.45.0 1.2 3.8
33.5 39.8 27.623.2 28.4 11.1
2.5 4.3 7.224.3 28.2 19.921.4 29.6 22.1
24.8 8.6 7.315.6 27.2 26.65.0 1.9 5.33.0 4.4 2.26.1 5.4 4.77.0 5.8 6.89.0 9.7 14.81.7 1.8 3.9
3.2 36.8 5.1
106 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Upper middleincome
MontenegroPopulation (thousands) 632 GNI per capita ($) 6,740
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
50.4 44.9 57.252.2 49.9 61.448.9 40.0 53.129.0 31.9 51.755.8 48.4 58.228.7 25.6 47.561.1 51.4 71.436.8 36.5 42.462.4 51.1 67.648.8 41.6 51.754.2 50.4 70.3
0.0 4.0 11.80.0 6.5 18.1
92.4 80.8 64.96.0 5.4 9.62.9 6.9 17.6
68.4 61.8 54.725.8 22.5 19.2
2.9 22.4 17.771.3 30.7 66.40.4 1.6 1.2
35.9 67.1 46.160.1 20.4 48.21.2 1.0 0.7
22.0 36.4 38.7
13.3 5.3 4.030.4 27.3 21.318.8 11.0 9.0
5.0 4.8 8.04.2 3.0 6.2
1.9 3.0 1.72.0 2.5 0.91.9 2.7 1.1
9.0 20.4 33.73.4 7.0 24.22.4 1.3 2.85.5 12.8 22.05.8 13.9 24.5
21.8 7.7 7.835.3 28.2 22.8
2.7 1.5 1.54.5 1.8 4.0
15.1 4.7 4.98.5 1.7 3.89.0 3.6 6.64.3 1.4 1.2
3.9 4.5 31.3
107The Little Data Book on Financial Inclusion 2012
Country data
MiddleEast &
N. Africa
Lower middleincome
MoroccoPopulation (millions) 32.0 GNI per capita ($) 2,850
Middle East & North Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
39.1 17.7 28.452.0 23.1 33.926.7 12.5 22.927.8 12.3 21.544.5 20.3 31.231.6 13.1 20.851.6 23.2 45.4
.. 8.8 19.7
.. 17.3 36.3
.. 10.5 25.3
.. 17.9 36.0
23.8 19.1 6.833.0 30.8 11.639.5 50.8 70.926.0 14.6 11.828.3 24.4 13.729.2 50.2 64.441.5 19.3 15.13.2 6.0 4.5
56.3 66.6 80.21.6 4.2 4.0
27.0 37.6 31.043.2 51.8 56.8
1.6 1.2 3.022.4 9.1 10.1
13.9 4.7 4.124.2 6.0 8.5
5.1 3.1 3.910.1 2.7 3.710.3 2.3 3.0
2.8 1.0 2.05.1 1.3 2.47.0 2.4 3.8
30.5 20.0 27.612.2 4.5 11.1
9.3 3.6 7.216.1 13.9 19.919.2 15.9 22.1
4.3 5.1 7.340.9 31.1 26.6
1.9 4.7 5.34.8 4.5 2.23.2 7.7 4.73.7 5.8 6.89.0 15.7 14.82.9 5.5 3.9
4.5 2.5 5.1
108 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lowincome
MozambiquePopulation (millions) 23.4 GNI per capita ($) 440
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
39.9 24.1 23.745.0 26.7 27.035.5 21.4 20.524.9 16.8 15.647.1 27.7 28.223.7 14.0 16.254.7 36.2 35.426.0 13.9 16.349.9 31.9 29.440.1 20.7 22.039.3 39.7 35.8
0.1 3.8 5.40.3 6.3 8.3
54.3 69.5 64.745.4 21.9 23.1
1.9 11.7 21.244.8 63.3 59.153.4 23.0 16.1
3.8 6.6 4.395.4 84.0 78.80.2 2.7 9.1
91.4 42.0 23.06.6 49.2 62.91.1 2.5 5.4
37.3 15.5 7.4
8.5 5.3 4.621.7 9.9 5.96.2 5.7 2.5
11.5 9.1 4.79.6 6.3 2.8
1.3 3.0 2.61.0 11.2 7.11.4 14.5 9.1
42.6 40.2 29.917.5 14.2 11.523.1 19.3 8.232.8 26.0 20.330.2 31.3 22.8
5.9 4.7 11.435.3 39.9 30.2
2.1 5.4 7.00.9 2.0 2.45.3 4.4 6.38.3 9.0 6.9
14.7 15.1 16.11.3 4.6 5.4
3.7 3.2 2.2
109The Little Data Book on Financial Inclusion 2012
Country data
SouthAsia
Lowincome
NepalPopulation (millions) 30.0 GNI per capita ($) 490
South Asia Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
25.3 33.0 23.729.6 40.7 27.021.2 25.0 20.523.6 24.7 15.625.4 36.6 28.219.0 27.8 16.241.5 54.2 35.416.0 25.3 16.330.8 41.0 29.422.3 30.8 22.050.6 39.2 35.8
1.7 6.6 5.41.7 11.7 8.3
89.2 70.5 64.76.2 12.9 23.16.4 15.9 21.2
81.6 66.4 59.17.6 11.9 16.10.9 2.0 4.3
81.4 85.3 78.815.1 5.3 9.111.8 18.0 23.075.1 68.6 62.911.9 4.0 5.4
3.7 7.2 7.4
3.0 4.0 4.63.6 7.4 5.91.2 3.5 2.54.6 2.0 4.71.2 1.6 2.8
0.3 2.0 2.60.4 0.8 7.10.3 1.9 9.1
18.4 21.3 29.99.9 11.1 11.56.3 3.3 8.2
13.6 15.5 20.315.1 17.2 22.8
10.8 8.7 11.433.2 19.5 30.219.2 6.4 7.0
5.1 2.4 2.413.0 4.4 6.312.5 4.9 6.923.9 14.1 16.1
5.7 3.9 5.4
1.8 5.5 2.2
110 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
NetherlandsPopulation (millions) 16.6 GNI per capita ($) 49,030
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
98.7 89.499.0 91.798.4 87.399.8 76.898.4 92.296.3 72.999.0 92.398.2 85.898.9 92.198.6 87.098.7 89.0
0.6 2.11.1 6.4
63.0 56.130.0 34.0
1.3 3.910.3 18.879.9 71.722.3 26.235.1 53.7
1.6 3.085.0 68.7
7.5 23.30.7 0.8
97.6 61.4
29.8 24.456.4 49.568.5 42.013.4 13.216.1 18.1
.. ..
.. ..
.. ..
73.1 58.357.8 44.63.6 5.4
49.6 37.452.1 44.1
12.6 13.87.1 12.30.8 2.3
40.1 23.8.. .... .... .... ..
.. ..
111The Little Data Book on Financial Inclusion 2012
Country data
Highincome
New ZealandPopulation (millions) 4.4 GNI per capita ($) 28,770
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
99.4 89.499.4 91.799.4 87.398.7 76.899.6 92.2
100.0 72.999.3 92.399.2 85.899.6 92.199.2 87.099.6 89.0
0.7 2.11.7 6.4
32.7 56.162.6 34.0
1.8 3.96.7 18.8
87.4 71.79.2 26.2
72.6 53.75.3 3.0
71.9 68.78.0 23.31.4 0.8
93.8 61.4
39.1 24.473.6 49.554.7 42.019.7 13.231.5 18.1
.. ..
.. ..
.. ..
72.6 58.360.4 44.6
8.8 5.444.9 37.451.3 44.1
26.6 13.817.1 12.33.3 2.3
35.3 23.8.. .... .... .... ..
.. ..
112 2012 The Little Data Book on Financial Inclusion
Country data
LatinAmerica &the Carib.
Lower middleincome
NicaraguaPopulation (millions) 5.8 GNI per capita ($) 1,110
Latin America & Caribbean Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
14.2 39.2 28.415.7 44.0 33.912.8 34.7 22.98.3 26.0 21.5
17.3 43.6 31.26.3 27.8 20.8
19.1 46.6 45.45.6 25.3 19.7
20.9 49.1 36.39.6 33.6 25.3
18.6 44.1 36.0
16.6 6.0 6.817.7 13.0 11.667.7 63.3 70.99.0 17.7 11.8
23.6 10.2 13.761.3 53.1 64.4
8.7 30.8 15.116.7 19.7 4.550.5 57.2 80.2
2.0 1.1 4.035.2 56.4 31.034.4 32.8 56.8
1.6 0.8 3.08.3 28.9 10.1
0.9 5.2 4.15.1 20.3 8.50.5 10.4 3.91.9 4.2 3.70.4 2.8 3.0
0.8 1.8 2.00.2 0.8 2.41.0 1.8 3.8
26.1 25.7 27.66.5 9.5 11.13.1 3.7 7.2
16.0 13.1 19.919.3 19.1 22.1
7.6 7.8 7.34.3 14.2 26.62.8 2.3 5.30.4 1.8 2.22.1 4.2 4.71.8 4.6 6.82.2 8.2 14.80.6 1.7 3.9
0.8 6.8 5.1
113The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Lowincome
NigerPopulation (millions) 15.5 GNI per capita ($) 370
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
1.5 24.1 23.71.6 26.7 27.01.5 21.4 20.50.7 16.8 15.62.2 27.7 28.20.8 14.0 16.2
12.6 36.2 35.40.0 13.9 16.32.7 31.9 29.40.8 20.7 22.08.7 39.7 35.8
0.0 3.8 5.41.7 6.3 8.3
67.5 69.5 64.730.9 21.9 23.1
3.3 11.7 21.284.8 63.3 59.111.8 23.0 16.10.0 6.6 4.3
100.0 84.0 78.80.0 2.7 9.15.0 42.0 23.0
95.0 49.2 62.90.0 2.5 5.40.8 15.5 7.4
0.8 5.3 4.60.8 9.9 5.90.5 5.7 2.50.3 9.1 4.70.7 6.3 2.8
0.4 3.0 2.60.9 11.2 7.12.6 14.5 9.1
25.1 40.2 29.91.2 14.2 11.59.1 19.3 8.2
19.0 26.0 20.315.6 31.3 22.8
1.3 4.7 11.443.0 39.9 30.2
8.4 5.4 7.01.5 2.0 2.44.1 4.4 6.35.8 9.0 6.9
24.6 15.1 16.114.7 4.6 5.4
0.2 3.2 2.2
114 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middleincome
NigeriaPopulation (millions) 158.4 GNI per capita ($) 1,180
Sub-Saharan Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
29.7 24.1 28.433.3 26.7 33.926.0 21.4 22.921.5 16.8 21.533.2 27.7 31.212.2 14.0 20.844.1 36.2 45.414.4 13.9 19.740.1 31.9 36.323.0 20.7 25.358.7 39.7 36.0
2.6 3.8 6.82.8 6.3 11.6
72.9 69.5 70.924.0 21.9 11.88.9 11.7 13.7
63.6 63.3 64.427.5 23.0 15.10.9 6.6 4.5
97.4 84.0 80.21.3 2.7 4.0
40.8 42.0 31.058.1 49.2 56.8
1.0 2.5 3.018.6 15.5 10.1
7.5 5.3 4.111.8 9.9 8.56.3 5.7 3.9
15.7 9.1 3.710.8 6.3 3.0
1.4 3.0 2.09.9 11.2 2.4
11.2 14.5 3.8
64.4 40.2 27.623.6 14.2 11.144.5 19.3 7.240.1 26.0 19.957.2 31.3 22.1
2.1 4.7 7.344.1 39.9 26.6
2.4 5.4 5.30.6 2.0 2.21.7 4.4 4.74.7 9.0 6.88.4 15.1 14.82.6 4.6 3.9
0.4 3.2 5.1
115The Little Data Book on Financial Inclusion 2012
Country data
Highincome
OmanPopulation (millions) 2.8 GNI per capita ($) 18,260
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
73.6 89.483.7 91.763.5 87.368.0 76.875.6 92.237.1 72.976.1 92.362.9 85.881.7 92.174.2 87.073.3 89.0
5.3 2.115.3 6.468.6 56.112.5 34.0
8.7 3.935.1 18.850.4 71.748.5 26.239.5 53.7
5.6 3.081.5 68.712.0 23.3
3.1 0.853.0 61.4
31.2 24.416.2 49.526.4 42.018.0 13.223.9 18.1
.. ..
.. ..
.. ..
57.6 58.322.6 44.614.1 5.441.7 37.442.5 44.1
9.2 13.833.1 12.3
6.6 2.314.5 23.8
.. ..
.. ..
.. ..
.. ..
.. ..
116 2012 The Little Data Book on Financial Inclusion
Country data
SouthAsia
Lower middleincome
PakistanPopulation (millions) 173.6 GNI per capita ($) 1,050
South Asia Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
10.3 33.0 28.417.3 40.7 33.93.0 25.0 22.98.0 24.7 21.5
11.3 36.6 31.23.7 27.8 20.8
24.5 54.2 45.44.1 25.3 19.7
14.3 41.0 36.37.2 30.8 25.3
15.4 39.2 36.0
1.4 6.6 6.84.6 11.7 11.6
70.3 70.5 70.99.4 12.9 11.83.1 15.9 13.7
68.5 66.4 64.410.4 11.9 15.16.3 2.0 4.5
64.7 85.3 80.29.6 5.3 4.0
32.4 18.0 31.046.2 68.6 56.8
6.3 4.0 3.02.9 7.2 10.1
2.9 4.0 4.15.3 7.4 8.52.0 3.5 3.91.0 2.0 3.70.8 1.6 3.0
1.5 2.0 2.01.4 0.8 2.41.5 1.9 3.8
7.5 21.3 27.61.4 11.1 11.13.3 3.3 7.25.4 15.5 19.94.6 17.2 22.1
1.6 8.7 7.323.1 19.5 26.62.3 6.4 5.31.8 2.4 2.24.2 4.4 4.73.0 4.9 6.8
17.1 14.1 14.85.5 3.9 3.9
0.5 5.5 5.1
117The Little Data Book on Financial Inclusion 2012
Country data
LatinAmerica &the Carib.
Upper middleincome
PanamaPopulation (millions) 3.5 GNI per capita ($) 6,970
Latin America & Caribbean Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
24.9 39.2 57.226.5 44.0 61.423.3 34.7 53.115.4 26.0 51.727.6 43.6 58.215.3 27.8 47.528.1 46.6 71.417.1 25.3 42.430.9 49.1 67.618.5 33.6 51.728.2 44.1 70.3
8.7 6.0 11.812.5 13.0 18.161.7 63.3 64.922.6 17.7 9.613.8 10.2 17.658.5 53.1 54.722.5 30.8 19.211.7 19.7 17.767.5 57.2 66.42.6 1.1 1.2
39.1 56.4 46.136.4 32.8 48.2
3.5 0.8 0.711.3 28.9 38.7
2.3 5.2 4.010.3 20.3 21.3
4.4 10.4 9.04.8 4.2 8.03.1 2.8 6.2
0.0 1.8 1.70.0 0.8 0.90.0 1.8 1.1
34.9 25.7 33.712.5 9.5 24.2
7.0 3.7 2.821.7 13.1 22.023.2 19.1 24.5
9.8 7.8 7.817.3 14.2 22.810.0 2.3 1.511.5 1.8 4.09.9 4.2 4.9
13.3 4.6 3.814.8 8.2 6.6
7.2 1.7 1.2
4.9 6.8 31.3
118 2012 The Little Data Book on Financial Inclusion
Country data
LatinAmerica &the Carib.
Lower middleincome
ParaguayPopulation (millions) 6.5 GNI per capita ($) 2,720
Latin America & Caribbean Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
21.7 39.2 28.420.7 44.0 33.922.7 34.7 22.914.6 26.0 21.524.2 43.6 31.28.3 27.8 20.8
29.8 46.6 45.43.4 25.3 19.7
34.5 49.1 36.310.2 33.6 25.329.3 44.1 36.0
10.4 6.0 6.814.9 13.0 11.661.9 63.3 70.9
7.7 17.7 11.821.8 10.2 13.753.3 53.1 64.414.3 30.8 15.116.6 19.7 4.562.4 57.2 80.2
3.3 1.1 4.043.8 56.4 31.037.4 32.8 56.83.3 0.8 3.0
11.3 28.9 10.1
5.7 5.2 4.110.5 20.3 8.50.9 10.4 3.92.0 4.2 3.71.1 2.8 3.0
1.3 1.8 2.04.3 0.8 2.45.7 1.8 3.8
18.1 25.7 27.69.7 9.5 11.12.3 3.7 7.2
10.3 13.1 19.913.7 19.1 22.1
12.9 7.8 7.314.9 14.2 26.63.3 2.3 5.31.3 1.8 2.23.9 4.2 4.79.1 4.6 6.8
12.6 8.2 14.82.6 1.7 3.9
5.9 6.8 5.1
119The Little Data Book on Financial Inclusion 2012
Country data
LatinAmerica &the Carib.
Upper middleincome
PeruPopulation (millions) 29.1 GNI per capita ($) 4,700
Latin America & Caribbean Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
20.5 39.2 57.223.4 44.0 61.417.6 34.7 53.114.5 26.0 51.722.4 43.6 58.26.5 27.8 47.5
24.5 46.6 71.47.5 25.3 42.4
31.3 49.1 67.613.3 33.6 51.724.3 44.1 70.3
5.4 6.0 11.810.7 13.0 18.166.1 63.3 64.913.8 17.7 9.613.2 10.2 17.650.5 53.1 54.725.6 30.8 19.2
2.6 19.7 17.765.7 57.2 66.4
1.6 1.1 1.243.6 56.4 46.140.1 32.8 48.20.5 0.8 0.7
14.1 28.9 38.7
2.8 5.2 4.010.6 20.3 21.33.3 10.4 9.04.0 4.2 8.03.1 2.8 6.2
1.6 1.8 1.71.4 0.8 0.91.8 1.8 1.1
29.1 25.7 33.78.6 9.5 24.24.3 3.7 2.8
15.6 13.1 22.023.6 19.1 24.5
12.7 7.8 7.814.5 14.2 22.83.3 2.3 1.51.1 1.8 4.05.1 4.2 4.95.5 4.6 3.8
10.1 8.2 6.60.6 1.7 1.2
3.5 6.8 31.3
120 2012 The Little Data Book on Financial Inclusion
Country data
EastAsia &Pacific
Lower middleincome
PhilippinesPopulation (millions) 93.3 GNI per capita ($) 2,060
East Asia & Pacific Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
26.6 54.9 28.419.0 57.6 33.933.7 52.3 22.918.3 52.1 21.530.3 54.9 31.212.3 46.5 20.833.1 71.0 45.410.4 39.8 19.739.6 65.6 36.319.5 49.5 25.337.1 70.8 36.0
6.2 13.2 6.814.7 19.1 11.667.4 64.6 70.915.1 7.8 11.811.7 20.5 13.766.4 55.0 64.418.8 14.3 15.119.6 13.9 4.547.8 76.4 80.213.2 2.5 4.062.5 39.1 31.024.2 55.9 56.86.4 1.3 3.0
13.2 34.5 10.1
5.6 3.2 4.18.5 16.9 8.55.5 6.3 3.9
12.2 8.8 3.75.3 7.1 3.0
2.1 1.3 2.07.3 1.0 2.4
12.5 1.2 3.8
45.5 39.8 27.614.7 28.4 11.16.5 4.3 7.2
31.8 28.2 19.936.9 29.6 22.1
10.5 8.6 7.339.0 27.2 26.612.7 1.9 5.33.6 4.4 2.25.8 5.4 4.7
20.7 5.8 6.828.7 9.7 14.85.4 1.8 3.9
5.5 36.8 5.1
121The Little Data Book on Financial Inclusion 2012
Country data
Highincome
PolandPopulation (millions) 38.2 GNI per capita ($) 12,440
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
70.2 89.472.4 91.768.3 87.347.8 76.875.5 92.234.7 72.981.4 92.357.4 85.878.8 92.169.0 87.072.4 89.0
3.3 2.18.5 6.4
68.1 56.110.9 34.03.8 3.9
34.4 18.847.7 71.710.3 26.242.5 53.7
3.7 3.060.6 68.727.9 23.31.1 0.8
37.3 61.4
7.3 24.442.3 49.513.1 42.06.8 13.26.2 18.1
1.8 ..0.7 ..0.9 ..
30.8 58.318.0 44.6
1.0 5.416.8 37.419.0 44.1
9.6 13.813.4 12.30.9 2.32.7 23.85.9 ..0.5 ..2.5 ..0.5 ..
.. ..
122 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
PortugalPopulation (millions) 10.6 GNI per capita ($) 21,870
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
81.2 89.485.1 91.777.8 87.375.1 76.881.8 92.274.9 72.986.1 92.373.5 85.886.9 92.184.2 87.077.4 89.0
3.4 2.110.7 6.468.9 56.112.0 34.04.3 3.9
12.5 18.865.0 71.728.5 26.249.9 53.7
0.7 3.079.0 68.712.8 23.3
1.9 0.868.2 61.4
10.4 24.443.3 49.536.9 42.0
5.6 13.24.1 18.1
.. ..
.. ..
.. ..
33.7 58.325.6 44.61.9 5.4
19.0 37.427.1 44.1
8.3 13.86.9 12.30.8 2.3
23.2 23.8.. .... .... .... ..
.. ..
123The Little Data Book on Financial Inclusion 2012
Country data
Highincome
QatarPopulation (millions) 1.8 GNI per capita ($) ..
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
65.9 89.468.6 91.761.6 87.364.1 76.867.3 92.231.6 72.969.9 92.354.7 85.875.6 92.153.1 87.067.8 89.0
3.4 2.18.9 6.4
67.6 56.116.9 34.05.9 3.9
23.2 18.862.3 71.720.5 26.264.9 53.7
6.4 3.079.2 68.711.3 23.31.4 0.8
49.5 61.4
29.1 24.416.8 49.517.8 42.014.0 13.237.6 18.1
.. ..
.. ..
.. ..
56.3 58.325.4 44.6
9.2 5.439.0 37.442.0 44.1
12.6 13.830.6 12.38.9 2.3
18.5 23.8.. .... .... .... ..
.. ..
124 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Upper middleincome
RomaniaPopulation (millions) 21.4 GNI per capita ($) 7,850
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
44.6 44.9 57.248.5 49.9 61.441.1 40.0 53.137.0 31.9 51.746.0 48.4 58.226.9 25.6 47.551.5 51.4 71.431.3 36.5 42.454.4 51.1 67.637.4 41.6 51.756.0 50.4 70.3
12.1 4.0 11.817.4 6.5 18.166.8 80.8 64.9
6.5 5.4 9.615.6 6.9 17.647.2 61.8 54.724.7 22.5 19.24.4 22.4 17.7
43.6 30.7 66.40.5 1.6 1.2
72.2 67.1 46.115.5 20.4 48.2
0.4 1.0 0.727.7 36.4 38.7
3.0 5.3 4.019.3 27.3 21.315.2 11.0 9.0
4.7 4.8 8.02.3 3.0 6.2
0.9 3.0 1.70.5 2.5 0.90.5 2.7 1.1
18.2 20.4 33.78.7 7.0 24.20.3 1.3 2.89.4 12.8 22.0
14.7 13.9 24.5
8.4 7.7 7.818.3 28.2 22.8
0.2 1.5 1.53.7 1.8 4.0
10.5 4.7 4.90.8 1.7 3.85.8 3.6 6.61.5 1.4 1.2
5.9 4.5 31.3
125The Little Data Book on Financial Inclusion 2012
Country data
Europe &Central
Asia
Upper middleincome
Russian FederationPopulation (millions) 141.8 GNI per capita ($) 9,900
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
48.2 44.9 57.248.8 49.9 61.447.7 40.0 53.132.8 31.9 51.751.9 48.4 58.224.2 25.6 47.554.7 51.4 71.440.2 36.5 42.453.9 51.1 67.645.5 41.6 51.753.0 50.4 70.3
4.8 4.0 11.88.4 6.5 18.1
78.1 80.8 64.93.0 5.4 9.68.2 6.9 17.6
60.8 61.8 54.719.1 22.5 19.218.3 22.4 17.725.6 30.7 66.41.8 1.6 1.2
65.2 67.1 46.124.7 20.4 48.20.5 1.0 0.7
37.0 36.4 38.7
3.3 5.3 4.030.1 27.3 21.38.5 11.0 9.02.1 4.8 8.02.4 3.0 6.2
1.7 3.0 1.71.5 2.5 0.91.8 2.7 1.1
22.7 20.4 33.710.9 7.0 24.20.5 1.3 2.8
12.5 12.8 22.015.9 13.9 24.5
7.7 7.7 7.823.5 28.2 22.8
1.5 1.5 1.51.4 1.8 4.04.6 4.7 4.90.8 1.7 3.82.2 3.6 6.60.9 1.4 1.2
6.7 4.5 31.3
126 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lowincome
RwandaPopulation (millions) 10.6 GNI per capita ($) 520
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
32.8 24.1 23.737.5 26.7 27.028.2 21.4 20.517.8 16.8 15.639.9 27.7 28.230.8 14.0 16.252.4 36.2 35.430.0 13.9 16.334.6 31.9 29.431.4 20.7 22.042.4 39.7 35.8
6.7 3.8 5.48.5 6.3 8.3
70.6 69.5 64.718.3 21.9 23.110.7 11.7 21.273.1 63.3 59.113.4 23.0 16.1
2.4 6.6 4.389.7 84.0 78.82.0 2.7 9.12.5 42.0 23.0
89.0 49.2 62.91.9 2.5 5.45.3 15.5 7.4
5.0 5.3 4.611.6 9.9 5.95.0 5.7 2.51.4 9.1 4.71.4 6.3 2.8
1.1 3.0 2.62.0 11.2 7.12.9 14.5 9.1
30.5 40.2 29.917.8 14.2 11.54.3 19.3 8.2
22.5 26.0 20.323.1 31.3 22.8
8.4 4.7 11.427.8 39.9 30.24.1 5.4 7.01.9 2.0 2.47.4 4.4 6.3
10.1 9.0 6.917.1 15.1 16.11.6 4.6 5.4
5.3 3.2 2.2
127The Little Data Book on Financial Inclusion 2012
Country data
Highincome
Saudi ArabiaPopulation (millions) 27.4 GNI per capita ($) 16,190
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
46.4 89.472.7 91.715.2 87.326.7 76.857.0 92.239.0 72.949.9 92.337.8 85.852.4 92.146.6 87.045.5 89.0
0.5 2.10.6 6.4
70.7 56.124.2 34.00.9 3.9
25.6 18.869.6 71.760.2 26.238.9 53.7
0.0 3.089.5 68.710.3 23.3
0.0 0.842.3 61.4
8.4 24.419.8 49.511.9 42.05.9 13.29.1 18.1
15.0 ..6.5 ..5.6 ..
33.4 58.317.2 44.64.4 5.4
26.7 37.426.2 44.1
2.1 13.826.2 12.310.4 2.312.3 23.8
8.1 ..10.0 ..10.9 ..
4.7 ..
.. ..
128 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middleincome
SenegalPopulation (millions) 12.4 GNI per capita ($) 1,090
Sub-Saharan Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
5.8 24.1 28.46.2 26.7 33.95.5 21.4 22.90.4 16.8 21.58.7 27.7 31.24.6 14.0 20.8
14.2 36.2 45.43.0 13.9 19.78.5 31.9 36.34.6 20.7 25.39.0 39.7 36.0
0.0 3.8 6.81.0 6.3 11.6
92.9 69.5 70.96.0 21.9 11.8
12.4 11.7 13.779.5 63.3 64.4
8.1 23.0 15.19.2 6.6 4.5
90.3 84.0 80.20.0 2.7 4.0
12.8 42.0 31.086.2 49.2 56.8
0.0 2.5 3.01.8 15.5 10.1
2.6 5.3 4.11.7 9.9 8.51.0 5.7 3.91.4 9.1 3.70.9 6.3 3.0
0.2 3.0 2.00.5 11.2 2.40.9 14.5 3.8
15.4 40.2 27.63.7 14.2 11.15.3 19.3 7.28.9 26.0 19.9
10.4 31.3 22.1
3.5 4.7 7.326.2 39.9 26.6
1.4 5.4 5.30.1 2.0 2.21.8 4.4 4.72.6 9.0 6.8
11.6 15.1 14.84.7 4.6 3.9
0.9 3.2 5.1
129The Little Data Book on Financial Inclusion 2012
Country data
Europe &Central
Asia
Upper middleincome
SerbiaPopulation (millions) 7.3 GNI per capita ($) 5,630
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
62.2 44.9 57.262.1 49.9 61.462.3 40.0 53.128.9 31.9 51.768.3 48.4 58.240.2 25.6 47.571.2 51.4 71.453.3 36.5 42.468.8 51.1 67.655.7 41.6 51.772.3 50.4 70.3
3.9 4.0 11.84.8 6.5 18.1
80.6 80.8 64.97.4 5.4 9.64.9 6.9 17.6
60.9 61.8 54.726.1 22.5 19.2
1.7 22.4 17.756.0 30.7 66.4
0.6 1.6 1.236.7 67.1 46.153.1 20.4 48.22.2 1.0 0.7
43.1 36.4 38.7
8.8 5.3 4.033.1 27.3 21.329.6 11.0 9.04.9 4.8 8.03.4 3.0 6.2
2.4 3.0 1.70.5 2.5 0.90.8 2.7 1.1
14.9 20.4 33.73.2 7.0 24.23.2 1.3 2.87.8 12.8 22.0
10.7 13.9 24.5
12.3 7.7 7.828.9 28.2 22.8
1.6 1.5 1.51.4 1.8 4.06.1 4.7 4.92.6 1.7 3.84.4 3.6 6.62.6 1.4 1.2
3.7 4.5 31.3
130 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lowincome
Sierra LeonePopulation (millions) 5.9 GNI per capita ($) 340
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
15.3 24.1 23.718.0 26.7 27.012.8 21.4 20.510.8 16.8 15.617.8 27.7 28.25.6 14.0 16.2
41.6 36.2 35.46.6 13.9 16.3
21.9 31.9 29.412.8 20.7 22.026.1 39.7 35.8
2.7 3.8 5.42.7 6.3 8.3
64.8 69.5 64.730.4 21.9 23.1
5.9 11.7 21.273.8 63.3 59.120.3 23.0 16.1
4.9 6.6 4.387.9 84.0 78.82.9 2.7 9.1
16.4 42.0 23.075.9 49.2 62.9
1.1 2.5 5.44.0 15.5 7.4
4.1 5.3 4.68.5 9.9 5.93.9 5.7 2.56.8 9.1 4.74.7 6.3 2.8
0.7 3.0 2.61.4 11.2 7.11.9 14.5 9.1
32.6 40.2 29.914.5 14.2 11.510.4 19.3 8.223.0 26.0 20.326.9 31.3 22.8
6.1 4.7 11.443.2 39.9 30.2
5.4 5.4 7.00.4 2.0 2.41.5 4.4 6.3
10.6 9.0 6.99.2 15.1 16.12.5 4.6 5.4
0.5 3.2 2.2
131The Little Data Book on Financial Inclusion 2012
Country data
Highincome
SingaporePopulation (millions) 5.1 GNI per capita ($) 40,070
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
98.2 89.498.2 91.798.2 87.394.7 76.898.9 92.294.4 72.999.9 92.398.2 85.898.2 92.1
.. 87.098.2 89.0
6.1 2.110.5 6.465.0 56.123.0 34.0
6.7 3.910.9 18.880.6 71.781.7 26.218.0 53.7
0.0 3.090.8 68.7
8.9 23.30.0 0.8
28.6 61.4
3.9 24.452.5 49.548.5 42.0
9.7 13.212.3 18.1
9.8 ..5.8 ..1.4 ..
60.9 58.358.4 44.6
0.5 5.439.0 37.454.1 44.1
10.0 13.815.6 12.3
1.7 2.318.9 23.813.4 ..
5.7 ..12.0 ..5.2 ..
.. ..
132 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
Slovak RepublicPopulation (millions) 5.4 GNI per capita ($) 16,840
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
79.6 89.480.3 91.778.9 87.359.5 76.883.2 92.249.2 72.987.8 92.373.2 85.883.8 92.178.5 87.082.5 89.0
2.2 2.12.7 6.4
80.1 56.113.8 34.0
5.0 3.926.5 18.863.6 71.7
2.6 26.265.4 53.7
6.7 3.084.5 68.712.5 23.30.2 0.8
68.3 61.4
7.4 24.455.2 49.510.8 42.0
4.1 13.24.5 18.1
3.6 ..3.9 ..4.3 ..
49.3 58.336.8 44.6
1.6 5.433.2 37.440.2 44.1
11.4 13.817.9 12.30.8 2.37.5 23.8
13.3 ..1.3 ..2.9 ..1.6 ..
.. ..
133The Little Data Book on Financial Inclusion 2012
Country data
Highincome
SloveniaPopulation (millions) 2.0 GNI per capita ($) 23,900
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
97.1 89.496.1 91.798.1 87.398.5 76.896.8 92.294.5 72.997.7 92.394.6 85.899.0 92.197.1 87.097.3 89.0
1.9 2.12.6 6.4
81.1 56.115.3 34.0
2.4 3.920.1 18.875.9 71.7
7.3 26.262.1 53.72.5 3.0
78.1 68.718.5 23.3
0.4 0.891.9 61.4
18.6 24.441.9 49.538.7 42.0
9.0 13.28.4 18.1
.. ..
.. ..
.. ..
56.1 58.328.9 44.6
6.3 5.426.8 37.435.1 44.1
12.8 13.812.9 12.3
0.4 2.310.3 23.8
.. ..
.. ..
.. ..
.. ..
.. ..
134 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lowincome
SomaliaPopulation (millions) 9.3 GNI per capita ($) ..
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
31.0 24.1 23.734.6 26.7 27.027.3 21.4 20.528.8 16.8 15.631.8 27.7 28.216.0 14.0 16.261.1 36.2 35.411.9 13.9 16.342.8 31.9 29.410.9 20.7 22.057.0 39.7 35.8
0.4 3.8 5.42.7 6.3 8.3
41.3 69.5 64.756.0 21.9 23.1
1.3 11.7 21.232.2 63.3 59.166.5 23.0 16.120.6 6.6 4.360.5 84.0 78.8
1.0 2.7 9.126.8 42.0 23.056.0 49.2 62.9
1.7 2.5 5.415.6 15.5 7.4
6.9 5.3 4.615.8 9.9 5.9
5.0 5.7 2.520.5 9.1 4.719.1 6.3 2.8
26.2 3.0 2.631.7 11.2 7.132.2 14.5 9.1
21.8 40.2 29.913.6 14.2 11.58.6 19.3 8.2
12.6 26.0 20.314.7 31.3 22.8
1.6 4.7 11.426.2 39.9 30.2
8.0 5.4 7.05.4 2.0 2.45.2 4.4 6.3
14.5 9.0 6.918.8 15.1 16.110.5 4.6 5.4
0.5 3.2 2.2
135The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Upper middleincome
South AfricaPopulation (millions) 50.0 GNI per capita ($) 6,090
Sub-Saharan Africa Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
53.6 24.1 57.256.4 26.7 61.451.0 21.4 53.140.8 16.8 51.758.7 27.7 58.242.6 14.0 47.558.3 36.2 71.441.1 13.9 42.462.9 31.9 67.646.3 20.7 51.767.7 39.7 70.3
2.2 3.8 11.83.0 6.3 18.1
79.2 69.5 64.917.8 21.9 9.64.3 11.7 17.6
65.6 63.3 54.730.1 23.0 19.213.8 6.6 17.771.4 84.0 66.40.2 2.7 1.2
88.9 42.0 46.17.9 49.2 48.20.2 2.5 0.7
45.3 15.5 38.7
6.2 5.3 4.023.3 9.9 21.320.1 5.7 9.018.3 9.1 8.010.0 6.3 6.2
4.4 3.0 1.75.4 11.2 0.99.4 14.5 1.1
31.5 40.2 33.722.1 14.2 24.213.5 19.3 2.818.3 26.0 22.024.8 31.3 24.5
8.9 4.7 7.834.3 39.9 22.8
6.8 5.4 1.54.3 2.0 4.05.8 4.4 4.96.0 9.0 3.87.3 15.1 6.63.1 4.6 1.2
7.4 3.2 31.3
136 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
SpainPopulation (millions) 46.1 GNI per capita ($) 31,750
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
93.3 89.495.2 91.791.7 87.378.4 76.895.5 92.287.6 72.995.2 92.392.9 85.893.7 92.192.8 87.093.8 89.0
1.6 2.17.1 6.4
79.7 56.110.9 34.04.3 3.9
26.0 18.865.8 71.712.9 26.272.3 53.7
2.7 3.064.2 68.731.2 23.3
0.7 0.862.2 61.4
40.1 24.454.0 49.542.6 42.0
7.8 13.29.6 18.1
.. ..
.. ..
.. ..
46.3 58.335.0 44.6
1.5 5.429.7 37.439.0 44.1
11.4 13.811.9 12.30.4 2.3
31.6 23.8.. .... .... .... ..
.. ..
137The Little Data Book on Financial Inclusion 2012
Country data
SouthAsia
Lower middleincome
Sri LankaPopulation (millions) 20.9 GNI per capita ($) 2,240
South Asia Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
68.5 33.0 28.470.0 40.7 33.967.2 25.0 22.968.7 24.7 21.568.7 36.6 31.262.9 27.8 20.876.4 54.2 45.458.3 25.3 19.777.9 41.0 36.367.7 30.8 25.372.4 39.2 36.0
13.7 6.6 6.818.0 11.7 11.666.7 70.5 70.95.5 12.9 11.8
20.3 15.9 13.758.2 66.4 64.4
9.5 11.9 15.13.2 2.0 4.5
90.5 85.3 80.20.4 5.3 4.0
15.4 18.0 31.075.6 68.6 56.8
0.0 4.0 3.010.0 7.2 10.1
4.6 4.0 4.17.4 7.4 8.52.9 3.5 3.95.4 2.0 3.73.3 1.6 3.0
2.4 2.0 2.01.9 0.8 2.40.7 1.9 3.8
36.3 21.3 27.628.1 11.1 11.1
9.0 3.3 7.221.9 15.5 19.931.1 17.2 22.1
17.7 8.7 7.312.7 19.5 26.63.2 6.4 5.33.6 2.4 2.29.8 4.4 4.72.2 4.9 6.8
12.2 14.1 14.82.4 3.9 3.9
7.5 5.5 5.1
138 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middleincome
SudanPopulation (millions) 43.6 GNI per capita ($) 1,270
Sub-Saharan Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
6.9 24.1 28.49.4 26.7 33.94.4 21.4 22.94.3 16.8 21.57.6 27.7 31.23.5 14.0 20.8
16.1 36.2 45.43.5 13.9 19.7
10.9 31.9 36.37.0 20.7 25.36.7 39.7 36.0
8.4 3.8 6.818.1 6.3 11.662.8 69.5 70.919.2 21.9 11.815.8 11.7 13.748.6 63.3 64.435.6 23.0 15.120.5 6.6 4.565.3 84.0 80.2
1.4 2.7 4.061.1 42.0 31.023.1 49.2 56.81.2 2.5 3.03.3 15.5 10.1
1.8 5.3 4.12.9 9.9 8.52.2 5.7 3.92.3 9.1 3.73.6 6.3 3.0
4.0 3.0 2.030.5 11.2 2.444.7 14.5 3.8
22.7 40.2 27.63.4 14.2 11.18.8 19.3 7.2
15.6 26.0 19.918.3 31.3 22.1
1.8 4.7 7.347.4 39.9 26.611.1 5.4 5.36.2 2.0 2.2
12.6 4.4 4.722.9 9.0 6.830.4 15.1 14.8
9.4 4.6 3.9
9.5 3.2 5.1
139The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Lower middleincome
SwazilandPopulation (millions) 1.1 GNI per capita ($) 2,950
Sub-Saharan Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
28.6 24.1 28.429.7 26.7 33.927.4 21.4 22.920.8 16.8 21.533.0 27.7 31.210.5 14.0 20.838.5 36.2 45.415.9 13.9 19.738.3 31.9 36.327.6 20.7 25.341.6 39.7 36.0
1.2 3.8 6.81.9 6.3 11.6
63.8 69.5 70.934.1 21.9 11.8
2.4 11.7 13.756.0 63.3 64.441.6 23.0 15.115.7 6.6 4.581.2 84.0 80.20.8 2.7 4.0
83.8 42.0 31.015.1 49.2 56.8
0.1 2.5 3.021.0 15.5 10.1
6.9 5.3 4.113.6 9.9 8.58.8 5.7 3.9
15.5 9.1 3.711.3 6.3 3.0
4.7 3.0 2.016.2 11.2 2.416.4 14.5 3.8
32.2 40.2 27.617.8 14.2 11.18.4 19.3 7.2
20.2 26.0 19.920.1 31.3 22.1
11.5 4.7 7.350.7 39.9 26.611.4 5.4 5.36.0 2.0 2.25.6 4.4 4.7
15.2 9.0 6.810.0 15.1 14.88.3 4.6 3.9
8.1 3.2 5.1
140 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
SwedenPopulation (millions) 9.4 GNI per capita ($) 50,100
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
99.0 89.499.0 91.799.0 87.396.1 76.899.5 92.298.5 72.999.1 92.397.9 85.899.7 92.199.2 87.098.7 89.0
0.1 2.11.0 6.4
69.4 56.127.9 34.00.1 3.97.9 18.8
88.6 71.74.4 26.2
46.5 53.74.5 3.0
75.8 68.74.4 23.30.3 0.8
95.5 61.4
13.5 24.465.9 49.562.1 42.028.9 13.238.0 18.1
.. ..
.. ..
.. ..
82.8 58.363.6 44.6
5.9 5.452.9 37.451.8 44.1
23.4 13.812.2 12.3
1.5 2.353.5 23.8
.. ..
.. ..
.. ..
.. ..
.. ..
141The Little Data Book on Financial Inclusion 2012
Country data
MiddleEast &
N. Africa
Lower middleincome
Syrian Arab RepublicPopulation (millions) 20.4 GNI per capita ($) 2,750
Middle East & North Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
23.3 17.7 28.426.8 23.1 33.919.6 12.5 22.922.2 12.3 21.523.4 20.3 31.222.7 13.1 20.824.3 23.2 45.422.0 8.8 19.724.3 17.3 36.321.7 10.5 25.326.7 17.9 36.0
0.2 19.1 6.80.2 30.8 11.6
48.7 50.8 70.951.2 14.6 11.80.4 24.4 13.7
52.3 50.2 64.447.4 19.3 15.10.0 6.0 4.5
99.6 66.6 80.20.0 4.2 4.0
23.6 37.6 31.075.5 51.8 56.8
0.7 1.2 3.06.2 9.1 10.1
9.8 4.7 4.12.7 6.0 8.50.2 3.1 3.91.3 2.7 3.71.0 2.3 3.0
0.0 1.0 2.00.0 1.3 2.40.0 2.4 3.8
48.3 20.0 27.65.1 4.5 11.10.7 3.6 7.2
48.3 13.9 19.948.3 15.9 22.1
13.1 5.1 7.320.1 31.1 26.616.9 4.7 5.35.3 4.5 2.29.0 7.7 4.73.6 5.8 6.82.5 15.7 14.87.8 5.5 3.9
9.5 2.5 5.1
142 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
AsiaLow
income
TajikistanPopulation (millions) 6.9 GNI per capita ($) 800
Europe & Central Asia Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
2.5 44.9 23.73.0 49.9 27.02.1 40.0 20.52.2 31.9 15.62.8 48.4 28.20.8 25.6 16.23.1 51.4 35.42.0 36.5 16.32.9 51.1 29.41.7 41.6 22.09.9 50.4 35.8
6.3 4.0 5.48.3 6.5 8.3
81.7 80.8 64.70.0 5.4 23.1
20.0 6.9 21.270.9 61.8 59.1
2.2 22.5 16.135.0 22.4 4.340.6 30.7 78.810.9 1.6 9.175.0 67.1 23.025.0 20.4 62.9
0.0 1.0 5.41.8 36.4 7.4
1.1 5.3 4.61.7 27.3 5.91.0 11.0 2.50.6 4.8 4.70.1 3.0 2.8
25.7 3.0 2.62.1 2.5 7.1
11.9 2.7 9.1
13.8 20.4 29.90.3 7.0 11.51.9 1.3 8.29.6 12.8 20.3
11.4 13.9 22.8
4.8 7.7 11.425.4 28.2 30.23.3 1.5 7.00.4 1.8 2.42.4 4.7 6.34.1 1.7 6.94.1 3.6 16.13.7 1.4 5.4
0.8 4.5 2.2
143The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Lowincome
TanzaniaPopulation (millions) 44.8 GNI per capita ($) 530
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
17.3 24.1 23.720.8 26.7 27.013.8 21.4 20.513.5 16.8 15.619.1 27.7 28.2
7.4 14.0 16.240.8 36.2 35.4
5.7 13.9 16.325.0 31.9 29.414.2 20.7 22.040.6 39.7 35.8
7.3 3.8 5.411.4 6.3 8.373.2 69.5 64.715.0 21.9 23.112.7 11.7 21.261.8 63.3 59.124.9 23.0 16.19.3 6.6 4.3
81.7 84.0 78.85.7 2.7 9.1
69.9 42.0 23.021.7 49.2 62.95.5 2.5 5.4
12.0 15.5 7.4
2.9 5.3 4.67.1 9.9 5.94.9 5.7 2.57.5 9.1 4.75.8 6.3 2.8
5.5 3.0 2.614.0 11.2 7.119.6 14.5 9.1
40.1 40.2 29.911.9 14.2 11.58.3 19.3 8.2
23.8 26.0 20.335.7 31.3 22.8
6.6 4.7 11.446.0 39.9 30.2
6.0 5.4 7.04.4 2.0 2.47.7 4.4 6.3
11.6 9.0 6.922.4 15.1 16.1
6.1 4.6 5.4
2.6 3.2 2.2
144 2012 The Little Data Book on Financial Inclusion
Country data
EastAsia &Pacific
Upper middleincome
ThailandPopulation (millions) 69.1 GNI per capita ($) 4,150
East Asia & Pacific Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
72.7 54.9 57.272.7 57.6 61.472.6 52.3 53.159.3 52.1 51.775.0 54.9 58.263.8 46.5 47.591.1 71.0 71.461.3 39.8 42.479.3 65.6 67.670.0 49.5 51.781.7 70.8 70.3
5.7 13.2 11.87.1 19.1 18.1
76.8 64.6 64.914.2 7.8 9.68.9 20.5 17.6
64.9 55.0 54.723.3 14.3 19.2
3.4 13.9 17.793.5 76.4 66.4
0.3 2.5 1.259.3 39.1 46.139.0 55.9 48.2
0.1 1.3 0.743.1 34.5 38.7
8.7 3.2 4.033.5 16.9 21.3
9.1 6.3 9.017.2 8.8 8.09.8 7.1 6.2
0.5 1.3 1.72.4 1.0 0.91.9 1.2 1.1
60.0 39.8 33.742.8 28.4 24.25.2 4.3 2.8
42.8 28.2 22.058.1 29.6 24.5
19.4 8.6 7.87.7 27.2 22.82.3 1.9 1.55.1 4.4 4.08.3 5.4 4.9
11.2 5.8 3.814.1 9.7 6.61.1 1.8 1.2
24.1 36.8 31.3
145The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Lowincome
TogoPopulation (millions) 6.0 GNI per capita ($) 490
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
10.2 24.1 23.711.2 26.7 27.09.2 21.4 20.56.8 16.8 15.6
12.1 27.7 28.26.5 14.0 16.2
20.4 36.2 35.46.1 13.9 16.3
12.6 31.9 29.47.1 20.7 22.0
19.6 39.7 35.8
6.1 3.8 5.49.5 6.3 8.3
68.9 69.5 64.712.9 21.9 23.116.7 11.7 21.271.4 63.3 59.1
1.7 23.0 16.11.6 6.6 4.3
87.3 84.0 78.86.7 2.7 9.14.9 42.0 23.0
80.1 49.2 62.96.4 2.5 5.41.2 15.5 7.4
3.4 5.3 4.62.8 9.9 5.91.9 5.7 2.51.3 9.1 4.70.7 6.3 2.8
0.4 3.0 2.60.2 11.2 7.11.1 14.5 9.1
19.6 40.2 29.93.6 14.2 11.53.6 19.3 8.2
13.1 26.0 20.311.1 31.3 22.8
3.8 4.7 11.419.3 39.9 30.2
1.9 5.4 7.02.1 2.0 2.42.7 4.4 6.3
11.4 9.0 6.914.3 15.1 16.12.3 4.6 5.4
0.7 3.2 2.2
146 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
Trinidad and TobagoPopulation (millions) 1.3 GNI per capita ($) 15,380
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
75.9 89.482.0 91.769.9 87.380.3 76.874.6 92.263.9 72.980.1 92.367.5 85.881.6 92.174.3 87.081.2 89.0
3.5 2.15.6 6.4
59.3 56.117.3 34.010.4 3.945.3 18.826.0 71.726.3 26.254.9 53.7
0.2 3.055.5 68.728.5 23.3
0.7 0.864.1 61.4
8.8 24.431.9 49.518.6 42.0
4.6 13.22.1 18.1
3.6 ..3.0 ..1.4 ..
58.6 58.344.4 44.6
9.5 5.422.0 37.450.5 44.1
8.4 13.811.2 12.31.3 2.31.5 23.82.5 ..3.3 ..4.0 ..0.4 ..
.. ..
147The Little Data Book on Financial Inclusion 2012
Country data
MiddleEast &
N. Africa
Upper middleincome
TunisiaPopulation (millions) 10.5 GNI per capita ($) 4,160
Middle East & North Africa Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
32.2 17.7 57.239.2 23.1 61.425.2 12.5 53.126.2 12.3 51.735.0 20.3 58.227.0 13.1 47.538.4 23.2 71.416.4 8.8 42.442.7 17.3 67.626.4 10.5 51.735.5 17.9 70.3
4.7 19.1 11.88.3 30.8 18.1
76.3 50.8 64.911.5 14.6 9.66.3 24.4 17.6
53.7 50.2 54.736.1 19.3 19.2
2.1 6.0 17.789.2 66.6 66.4
0.8 4.2 1.249.7 37.6 46.143.7 51.8 48.2
0.4 1.2 0.721.0 9.1 38.7
7.1 4.7 4.05.6 6.0 21.36.0 3.1 9.03.3 2.7 8.02.4 2.3 6.2
0.0 1.0 1.70.0 1.3 0.90.0 2.4 1.1
25.1 20.0 33.75.0 4.5 24.22.3 3.6 2.8
12.0 13.9 22.018.4 15.9 24.5
3.2 5.1 7.821.2 31.1 22.8
2.0 4.7 1.52.4 4.5 4.04.3 7.7 4.94.3 5.8 3.8
11.6 15.7 6.63.5 5.5 1.2
6.1 2.5 31.3
148 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Upper middleincome
TurkeyPopulation (millions) 72.8 GNI per capita ($) 9,890
Europe & Central Asia Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
57.6 44.9 57.282.1 49.9 61.432.7 40.0 53.143.8 31.9 51.761.9 48.4 58.250.9 25.6 47.565.2 51.4 71.449.9 36.5 42.463.1 51.1 67.656.0 41.6 51.758.5 50.4 70.3
0.8 4.0 11.81.2 6.5 18.1
89.6 80.8 64.98.9 5.4 9.61.2 6.9 17.6
76.9 61.8 54.721.1 22.5 19.263.9 22.4 17.727.3 30.7 66.40.7 1.6 1.2
89.1 67.1 46.19.3 20.4 48.20.0 1.0 0.7
56.6 36.4 38.7
12.3 5.3 4.032.2 27.3 21.318.2 11.0 9.015.6 4.8 8.0
7.9 3.0 6.2
4.3 3.0 1.72.2 2.5 0.92.1 2.7 1.1
9.6 20.4 33.74.2 7.0 24.21.3 1.3 2.85.3 12.8 22.08.2 13.9 24.5
4.6 7.7 7.843.0 28.2 22.8
0.4 1.5 1.51.4 1.8 4.01.8 4.7 4.93.1 1.7 3.84.4 3.6 6.61.9 1.4 1.2
4.4 4.5 31.3
149The Little Data Book on Financial Inclusion 2012
Country data
Europe &Central
Asia
Lower middleincome
TurkmenistanPopulation (millions) 5.0 GNI per capita ($) 3,790
Europe & Central Asia Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
0.4 44.9 28.40.0 49.9 33.90.8 40.0 22.90.0 31.9 21.50.6 48.4 31.20.0 25.6 20.80.5 51.4 45.40.1 36.5 19.70.7 51.1 36.30.0 41.6 25.31.7 50.4 36.0
18.5 4.0 6.818.5 6.5 11.681.5 80.8 70.90.0 5.4 11.8
29.1 6.9 13.758.6 61.8 64.4
0.0 22.5 15.10.0 22.4 4.5
70.3 30.7 80.20.0 1.6 4.0
48.0 67.1 31.033.4 20.4 56.8
0.0 1.0 3.00.3 36.4 10.1
0.0 5.3 4.10.3 27.3 8.50.0 11.0 3.90.0 4.8 3.70.0 3.0 3.0
0.0 3.0 2.00.0 2.5 2.40.0 2.7 3.8
44.5 20.4 27.60.1 7.0 11.11.1 1.3 7.2
38.4 12.8 19.923.4 13.9 22.1
0.8 7.7 7.326.0 28.2 26.6
2.8 1.5 5.30.7 1.8 2.22.3 4.7 4.70.6 1.7 6.82.3 3.6 14.81.5 1.4 3.9
0.0 4.5 5.1
150 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lowincome
UgandaPopulation (millions) 33.4 GNI per capita ($) 500
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
20.5 24.1 23.725.8 26.7 27.015.1 21.4 20.512.4 16.8 15.626.1 27.7 28.214.2 14.0 16.226.2 36.2 35.4
8.3 13.9 16.328.6 31.9 29.420.2 20.7 22.026.9 39.7 35.8
1.9 3.8 5.43.6 6.3 8.3
75.1 69.5 64.721.3 21.9 23.16.9 11.7 21.2
77.5 63.3 59.115.6 23.0 16.110.4 6.6 4.388.3 84.0 78.8
0.4 2.7 9.141.7 42.0 23.057.3 49.2 62.90.7 2.5 5.4
10.3 15.5 7.4
7.5 5.3 4.69.2 9.9 5.93.2 5.7 2.53.3 9.1 4.73.7 6.3 2.8
3.3 3.0 2.620.0 11.2 7.125.2 14.5 9.1
44.4 40.2 29.916.3 14.2 11.518.8 19.3 8.233.0 26.0 20.337.0 31.3 22.8
8.9 4.7 11.446.5 39.9 30.2
4.6 5.4 7.01.0 2.0 2.43.6 4.4 6.3
11.5 9.0 6.911.3 15.1 16.11.9 4.6 5.4
0.7 3.2 2.2
151The Little Data Book on Financial Inclusion 2012
Country data
Europe &Central
Asia
Lower middleincome
UkrainePopulation (millions) 45.9 GNI per capita ($) 3,000
Europe & Central Asia Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
41.3 44.9 28.443.9 49.9 33.939.2 40.0 22.945.2 31.9 21.539.9 48.4 31.212.4 25.6 20.847.3 51.4 45.428.4 36.5 19.751.2 51.1 36.334.8 41.6 25.353.0 50.4 36.0
2.2 4.0 6.83.4 6.5 11.6
81.2 80.8 70.98.7 5.4 11.84.7 6.9 13.7
65.9 61.8 64.421.8 22.5 15.122.6 22.4 4.532.0 30.7 80.2
0.5 1.6 4.075.2 67.1 31.017.0 20.4 56.81.9 1.0 3.0
33.6 36.4 10.1
4.1 5.3 4.128.5 27.3 8.5
8.1 11.0 3.92.6 4.8 3.71.3 3.0 3.0
1.7 3.0 2.09.0 2.5 2.47.8 2.7 3.8
25.0 20.4 27.65.4 7.0 11.12.1 1.3 7.2
18.4 12.8 19.914.6 13.9 22.1
8.1 7.7 7.337.3 28.2 26.61.5 1.5 5.31.0 1.8 2.24.8 4.7 4.71.3 1.7 6.82.1 3.6 14.81.1 1.4 3.9
1.7 4.5 5.1
152 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
United Arab EmiratesPopulation (millions) 7.5 GNI per capita ($) 41,930
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
59.7 89.468.8 91.747.2 87.326.3 76.873.8 92.242.6 72.961.3 92.357.5 85.861.5 92.174.6 87.059.9 89.0
0.2 2.112.0 6.459.2 56.122.1 34.00.2 3.9
32.2 18.857.6 71.744.0 26.239.7 53.72.9 3.0
86.2 68.76.8 23.30.1 0.8
55.4 61.4
9.6 24.429.1 49.523.4 42.0
5.8 13.214.0 18.1
11.7 ..8.3 ..6.2 ..
30.1 58.319.2 44.6
4.6 5.423.3 37.426.0 44.1
10.8 13.823.5 12.3
2.3 2.317.9 23.811.4 ..20.2 ..
8.5 ..3.3 ..
.. ..
153The Little Data Book on Financial Inclusion 2012
Country data
Highincome
United KingdomPopulation (millions) 62.2 GNI per capita ($) 38,200
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
96.9 89.496.2 91.797.6 87.390.0 76.898.0 92.289.6 72.998.4 92.396.1 85.897.6 92.1
.. 87.0
.. 89.0
0.4 2.13.5 6.4
46.2 56.146.3 34.0
2.2 3.99.3 18.8
84.6 71.77.7 26.2
76.9 53.72.8 3.0
69.5 68.718.9 23.3
1.4 0.886.4 61.4
34.5 24.453.6 49.552.6 42.021.3 13.222.4 18.1
.. ..
.. ..
.. ..
55.3 58.342.1 44.64.9 5.4
30.3 37.439.8 44.1
11.9 13.814.7 12.32.1 2.3
29.3 23.8.. .... .... .... ..
.. ..
154 2012 The Little Data Book on Financial Inclusion
Country data
Highincome
United StatesPopulation (millions) 309.3 GNI per capita ($) 47,340
High income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
88.0 89.492.0 91.784.1 87.376.1 76.890.8 92.247.2 72.989.9 92.381.9 85.893.3 92.186.6 87.089.5 89.0
1.2 2.14.1 6.4
39.2 56.155.2 34.0
2.6 3.97.0 18.8
86.8 71.716.2 26.267.9 53.75.5 3.0
55.0 68.733.7 23.3
0.7 0.871.8 61.4
33.9 24.450.8 49.544.3 42.012.2 13.219.8 18.1
.. ..
.. ..
.. ..
66.8 58.350.4 44.6
6.4 5.443.5 37.454.7 44.1
20.1 13.817.2 12.34.9 2.3
31.2 23.8.. .... .... .... ..
.. ..
155The Little Data Book on Financial Inclusion 2012
Country data
LatinAmerica &the Carib.
Upper middleincome
UruguayPopulation (millions) 3.4 GNI per capita ($) 10,230
Latin America & Caribbean Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
23.5 39.2 57.223.2 44.0 61.423.8 34.7 53.112.4 26.0 51.726.1 43.6 58.211.0 27.8 47.534.7 46.6 71.410.5 25.3 42.432.2 49.1 67.614.4 33.6 51.727.4 44.1 70.3
10.2 6.0 11.833.5 13.0 18.141.3 63.3 64.9
7.8 17.7 9.614.2 10.2 17.635.2 53.1 54.732.6 30.8 19.213.1 19.7 17.719.4 57.2 66.41.5 1.1 1.2
66.3 56.4 46.19.8 32.8 48.20.0 0.8 0.7
16.4 28.9 38.7
2.5 5.2 4.012.5 20.3 21.3
5.7 10.4 9.01.2 4.2 8.01.5 2.8 6.2
0.3 1.8 1.70.4 0.8 0.90.4 1.8 1.1
16.9 25.7 33.75.7 9.5 24.21.5 3.7 2.87.8 13.1 22.0
10.1 19.1 24.5
14.8 7.8 7.86.4 14.2 22.80.6 2.3 1.51.9 1.8 4.05.7 4.2 4.91.3 4.6 3.86.4 8.2 6.60.8 1.7 1.2
9.3 6.8 31.3
156 2012 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Lower middleincome
UzbekistanPopulation (millions) 28.2 GNI per capita ($) 1,280
Europe & Central Asia Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
22.5 44.9 28.423.8 49.9 33.921.3 40.0 22.915.0 31.9 21.526.4 48.4 31.210.3 25.6 20.828.1 51.4 45.420.4 36.5 19.723.9 51.1 36.322.6 41.6 25.322.1 50.4 36.0
1.7 4.0 6.84.0 6.5 11.6
91.8 80.8 70.92.3 5.4 11.83.6 6.9 13.7
37.0 61.8 64.452.6 22.5 15.11.3 22.4 4.5
15.4 30.7 80.23.9 1.6 4.0
14.9 67.1 31.011.4 20.4 56.82.6 1.0 3.0
20.4 36.4 10.1
2.9 5.3 4.119.7 27.3 8.55.0 11.0 3.90.2 4.8 3.70.2 3.0 3.0
5.3 3.0 2.00.2 2.5 2.40.5 2.7 3.8
31.4 20.4 27.60.8 7.0 11.14.2 1.3 7.2
29.1 12.8 19.917.6 13.9 22.1
1.5 7.7 7.311.7 28.2 26.61.0 1.5 5.30.0 1.8 2.20.3 4.7 4.70.5 1.7 6.80.9 3.6 14.80.6 1.4 3.9
0.8 4.5 5.1
157The Little Data Book on Financial Inclusion 2012
Country data
LatinAmerica &the Carib.
Upper middleincome
Venezuela, RBPopulation (millions) 28.8 GNI per capita ($) 11,590
Latin America & Caribbean Upper middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
44.1 39.2 57.253.1 44.0 61.436.2 34.7 53.117.5 26.0 51.753.7 43.6 58.2
.. 27.8 47.5
.. 46.6 71.431.3 25.3 42.452.7 49.1 67.641.2 33.6 51.745.6 44.1 70.3
1.3 6.0 11.86.3 13.0 18.1
67.7 63.3 64.920.4 17.7 9.6
2.3 10.2 17.654.9 53.1 54.734.1 30.8 19.215.5 19.7 17.773.0 57.2 66.4
0.6 1.1 1.263.6 56.4 46.131.0 32.8 48.20.3 0.8 0.7
35.1 28.9 38.7
3.9 5.2 4.028.7 20.3 21.38.4 10.4 9.03.3 4.2 8.02.2 2.8 6.2
1.3 1.8 1.70.3 0.8 0.91.9 1.8 1.1
28.4 25.7 33.713.6 9.5 24.25.5 3.7 2.8
17.5 13.1 22.025.5 19.1 24.5
1.7 7.8 7.89.8 14.2 22.81.5 2.3 1.50.5 1.8 4.01.3 4.2 4.93.6 4.6 3.86.3 8.2 6.61.0 1.7 1.2
6.0 6.8 31.3
158 2012 The Little Data Book on Financial Inclusion
Country data
EastAsia &Pacific
Lower middleincome
VietnamPopulation (millions) 86.9 GNI per capita ($) 1,160
East Asia & Pacific Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
21.4 54.9 28.424.0 57.6 33.918.9 52.3 22.922.6 52.1 21.520.4 54.9 31.2
4.5 46.5 20.832.3 71.0 45.410.6 39.8 19.730.1 65.6 36.316.5 49.5 25.329.8 70.8 36.0
10.1 13.2 6.812.6 19.1 11.643.5 64.6 70.9
5.8 7.8 11.814.2 20.5 13.728.5 55.0 64.413.2 14.3 15.1
6.2 13.9 4.565.4 76.4 80.2
3.2 2.5 4.050.8 39.1 31.028.8 55.9 56.8
0.0 1.3 3.014.6 34.5 10.1
3.8 3.2 4.15.8 16.9 8.52.2 6.3 3.92.2 8.8 3.72.8 7.1 3.0
3.6 1.3 2.02.8 1.0 2.43.4 1.2 3.8
35.3 39.8 27.67.7 28.4 11.15.1 4.3 7.2
24.9 28.2 19.926.7 29.6 22.1
16.2 8.6 7.331.0 27.2 26.63.0 1.9 5.33.0 4.4 2.29.1 5.4 4.7
10.1 5.8 6.815.8 9.7 14.810.2 1.8 3.9
17.5 36.8 5.1
159The Little Data Book on Financial Inclusion 2012
Country data
MiddleEast &
N. Africa
Lower middleincome
West Bank and GazaPopulation (millions) 4.2 GNI per capita ($) ..
Middle East & North Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
19.4 17.7 28.428.7 23.1 33.910.2 12.5 22.9
8.7 12.3 21.524.9 20.3 31.212.8 13.1 20.822.1 23.2 45.411.4 8.8 19.728.5 17.3 36.322.4 10.5 25.318.3 17.9 36.0
0.7 19.1 6.80.7 30.8 11.6
84.8 50.8 70.911.8 14.6 11.8
0.7 24.4 13.778.4 50.2 64.418.1 19.3 15.112.0 6.0 4.570.7 66.6 80.20.0 4.2 4.0
41.0 37.6 31.056.0 51.8 56.8
0.0 1.2 3.010.7 9.1 10.1
4.8 4.7 4.17.1 6.0 8.56.4 3.1 3.92.5 2.7 3.71.4 2.3 3.0
2.6 1.0 2.00.4 1.3 2.41.4 2.4 3.8
16.2 20.0 27.65.5 4.5 11.13.0 3.6 7.2
10.9 13.9 19.913.4 15.9 22.1
4.1 5.1 7.341.8 31.1 26.6
7.5 4.7 5.35.3 4.5 2.2
10.8 7.7 4.719.8 5.8 6.820.2 15.7 14.811.3 5.5 3.9
5.1 2.5 5.1
160 2012 The Little Data Book on Financial Inclusion
Country data
MiddleEast &
N. Africa
Lower middleincome
Yemen, Rep.Population (millions) 24.1 GNI per capita ($) 1,170
Middle East & North Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
3.7 17.7 28.46.4 23.1 33.91.1 12.5 22.90.8 12.3 21.55.0 20.3 31.21.4 13.1 20.8
11.1 23.2 45.41.8 8.8 19.75.5 17.3 36.32.9 10.5 25.36.6 17.9 36.0
0.0 19.1 6.80.0 30.8 11.6
87.5 50.8 70.911.7 14.6 11.80.0 24.4 13.7
79.0 50.2 64.414.4 19.3 15.1
2.1 6.0 4.564.3 66.6 80.214.6 4.2 4.035.5 37.6 31.058.3 51.8 56.8
6.2 1.2 3.02.2 9.1 10.1
1.0 4.7 4.10.9 6.0 8.51.7 3.1 3.90.8 2.7 3.71.0 2.3 3.0
0.8 1.0 2.01.3 1.3 2.41.3 2.4 3.8
11.9 20.0 27.61.1 4.5 11.12.5 3.6 7.28.2 13.9 19.99.9 15.9 22.1
0.9 5.1 7.345.5 31.1 26.6
7.8 4.7 5.31.0 4.5 2.28.3 7.7 4.71.5 5.8 6.8
32.4 15.7 14.85.1 5.5 3.9
0.0 2.5 5.1
161The Little Data Book on Financial Inclusion 2012
Country data
Sub-SaharanAfrica
Lower middleincome
ZambiaPopulation (millions) 12.9 GNI per capita ($) 1,070
Sub-Saharan Africa Lower middle income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
21.4 24.1 28.419.4 26.7 33.923.3 21.4 22.912.8 16.8 21.525.1 27.7 31.29.2 14.0 20.8
32.2 36.2 45.48.7 13.9 19.7
31.3 31.9 36.322.4 20.7 25.313.9 39.7 36.0
3.6 3.8 6.87.5 6.3 11.6
64.8 69.5 70.927.5 21.9 11.813.6 11.7 13.760.7 63.3 64.425.7 23.0 15.110.8 6.6 4.589.0 84.0 80.2
0.0 2.7 4.074.4 42.0 31.025.3 49.2 56.8
0.0 2.5 3.015.7 15.5 10.1
5.6 5.3 4.17.2 9.9 8.55.6 5.7 3.96.7 9.1 3.75.6 6.3 3.0
2.4 3.0 2.03.0 11.2 2.43.5 14.5 3.8
32.2 40.2 27.611.8 14.2 11.1
7.4 19.3 7.220.4 26.0 19.924.7 31.3 22.1
6.1 4.7 7.341.6 39.9 26.64.3 5.4 5.31.2 2.0 2.20.9 4.4 4.72.8 9.0 6.81.6 15.1 14.80.7 4.6 3.9
1.2 3.2 5.1
162 2012 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lowincome
ZimbabwePopulation (millions) 12.6 GNI per capita ($) 460
Sub-Saharan Africa Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
39.7 24.1 23.742.5 26.7 27.037.1 21.4 20.522.4 16.8 15.650.2 27.7 28.2
.. 14.0 16.2
.. 36.2 35.426.6 13.9 16.347.8 31.9 29.440.3 20.7 22.037.8 39.7 35.8
2.6 3.8 5.44.3 6.3 8.3
70.1 69.5 64.725.2 21.9 23.1
3.3 11.7 21.264.6 63.3 59.131.6 23.0 16.10.9 6.6 4.3
91.1 84.0 78.80.8 2.7 9.1
28.3 42.0 23.069.7 49.2 62.9
0.7 2.5 5.428.3 15.5 7.4
9.3 5.3 4.621.9 9.9 5.910.3 5.7 2.521.8 9.1 4.79.3 6.3 2.8
2.6 3.0 2.61.5 11.2 7.11.8 14.5 9.1
39.9 40.2 29.917.3 14.2 11.511.0 19.3 8.228.0 26.0 20.325.6 31.3 22.8
4.9 4.7 11.457.4 39.9 30.24.2 5.4 7.00.8 2.0 2.43.7 4.4 6.39.9 9.0 6.96.9 15.1 16.13.2 4.6 5.4
14.6 3.2 2.2
163The Little Data Book on Financial Inclusion 2012 163The Little Data Book on Financial Inclusion 2012
0 Deposits in a typical month denotes the percentage of respondents with
an account at a formal financial institution who report making zero deposits
into their personal account(s) in a typical month. This includes cash or elec-
tronic deposits, or any time money is put into account(s) by self or others.
(Demirguc-Kunt and Klapper, 2012)
0 Deposits/Withdrawals in a typical month denotes the percentage of
respondents with an account at a formal financial institution who report
making zero deposits into or zero withdrawals from their personal account(s)
in a typical month (also called “inactive account”). This includes cash or
electronic deposits, or any time money is put into or removed from account(s)
by self or others. (Demirguc-Kunt and Klapper, 2012)
0 Withdrawals in a typical month denotes the percentage of respondents
with an account at a formal financial institution who report making zero
withdrawals from their personal account(s) in a typical month. This includes
cash or electronic deposits, or any time money is removed from account(s)
by self or others. (Demirguc-Kunt and Klapper, 2012)
1–2 Deposits in a typical month denotes the percentage of respondents
with an account at a formal financial institution who report making 1 to 2
deposits into their personal account(s) in a typical month. This includes cash
or electronic deposits, or any time money is put into account(s) by self or
others. (Demirguc-Kunt and Klapper, 2012)
1–2 Withdrawals in a typical month denotes the percentage of respondents
with an account at a formal financial institution who report making 1 to 2
withdrawals from their personal account(s) in a typical month. This includes
cash or electronic deposits, or any time money is removed from account(s)
by self or others. (Demirguc-Kunt and Klapper, 2012)
3+ Deposits in a typical month denotes the percentage of respondents with
an account at a formal financial institution who report making 3 or more
deposits into their personal account(s) in a typical month. This includes cash
or electronic deposits, or any time money is put into account(s) by self or
others. (Demirguc-Kunt and Klapper, 2012)
3+ Withdrawals in a typical month denotes the percentage of respondents
with an account at a formal financial institution who report making 3 or more
withdrawals from their personal account(s) in a typical month. This includes
cash or electronic deposits, or any time money is removed from account(s)
by self or others. (Demirguc-Kunt and Klapper, 2012)
Account at a formal financial institution denotes the percentage of respon-
dents with an account (self or together with someone else) at a bank, credit
union, another financial institution (e.g., cooperative, microfinance institu-
tion), or the post office (if applicable) including respondents who reported
having a debit card. (Demirguc-Kunt and Klapper, 2012)
ATM is the main mode of deposit denotes the percentage of respondents
with an account at a formal financial institution who report utilizing an
Glossary
164 2012 The Little Data Book on Financial Inclusion
Glossaryautomated teller machine (ATM) as their usual mode of access to put cash
(paper or coins) into their account(s). (Demirguc-Kunt and Klapper, 2012)
ATM is the main mode of withdrawal denotes the percentage of respon-
dents with an account at a formal financial institution who report utilizing an
automated teller machine (ATM) as their usual mode of access to get cash
(paper or coins) from their account(s). (Demirguc-Kunt and Klapper, 2012)
Bank agent is the main mode of deposit denotes the percentage of respon-
dents with an account at a formal financial institution who report utilizing
some other person who is associated with their bank or financial institu-
tion as their usual mode of access to put cash (paper or coins) into their
account(s). (Demirguc-Kunt and Klapper, 2012)
Bank agent is the main mode of withdrawal denotes the percentage of
respondents with an account at a formal financial institution who report
utilizing some other person who is associated with their bank or financial
institution as their usual mode of access to get cash (paper or coins) from
their account(s). (Demirguc-Kunt and Klapper, 2012)
Bank teller is the main mode of deposit denotes the percentage of respon-
dents with an account at a formal financial institution who report transacting
with a teller over the counter in a branch of their bank or financial institu-
tion as their usual mode of access to put cash (paper or coins) into their
account(s). (Demirguc-Kunt and Klapper, 2012)
Bank teller is the main mode of withdrawal denotes the percentage of
respondents with an account at a formal financial institution who report
transacting with a teller over the counter in a branch of their bank or financial
institution as their usual mode of access to get cash (paper or coins) from
their account(s). (Demirguc-Kunt and Klapper, 2012)
GNI per capita ($) is gross national income (GNI) converted to U.S. dollars
using the World Bank Atlas method divided by midyear population. GNI is the
sum of value added by all resident producers plus any product taxes (less
subsidies) not included in the valuation of output plus net receipts of primary
income (compensation of employees and property income) from abroad.
GNI, calculated in national currency, is usually converted to U.S. dollars at
official exchange rates for comparisons across economies. The World Bank
Atlas method is used to smooth fluctuations in prices and exchange rates.
It averages the exchange rate for a given year and the two preceding years,
adjusted for differences in rates of inflation between the country and the
Euro area, Japan, the United Kingdom, and the United States. Data are for
2010. (World Bank)
Has debit card denotes the percentage of respondents with a debit card.
(Demirguc-Kunt and Klapper, 2012)
Loan from family or friends in the past year denotes the percentage of
respondents who report borrowing any money from family or friends in the
past 12 months. (Demirguc-Kunt and Klapper, 2012)
165The Little Data Book on Financial Inclusion 2012
GlossaryLoan from a formal financial institution in the past year denotes the per-
centage of respondents who report borrowing any money from a bank, credit
union, microfinance institution, or another financial institution such as a
cooperative in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
Loan from an informal private lender in the past year denotes the percent-
age of respondents who report borrowing any money from a private lender
in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
Outstanding loan for health or emergencies denotes the percentage of
respondents who report having an outstanding loan for emergency or health
purposes. (Demirguc-Kunt and Klapper, 2012)
Outstanding loan for home construction denotes the percentage of respon-
dents who report having an outstanding loan to purchase materials or ser-
vices to build, extend, or renovate their home or apartment. (Demirguc-Kunt
and Klapper, 2012)
Outstanding loan for funerals or weddings denotes the percentage of respon-
dents who report having an outstanding loan for a funeral or wedding. (Demirguc-
Kunt and Klapper, 2012)
Outstanding loan to pay school fees denotes the percentage of respondents
who report having an outstanding loan to pay for school fees. (Demirguc-
Kunt and Klapper, 2012)
Outstanding loan to purchase a home denotes the percentage of respon-
dents who report having an outstanding loan to purchase their home or
apartment. (Demirguc-Kunt and Klapper, 2012)
Personally paid for health insurance denotes the percentage of respon-
dents who report having personally purchased health or medical insurance
in addition to national health insurance. (Demirguc-Kunt and Klapper, 2012)
Population is the midyear estimate of all residents regardless of legal status
or citizenship, except for refugees not permanently settled in the country of
asylum who are generally considered part of the population of their country
of origin. Data are for 2010. (Eurostat, United Nations Population Division,
and World Bank)
Saved any money in the past year denotes the percentage of respondents who
report saving or setting aside any money in the past 12 months. (Demirguc-
Kunt and Klapper, 2012)
Saved at a formal financial institution in the past year denotes the percent-
age of respondents who report saving or setting aside any money by using
an account at a formal financial institution such as a bank, credit union,
microfinance institution, or cooperative in the past 12 months. (Demirguc-
Kunt and Klapper, 2012)
Saved for emergencies in the past year denotes the percentage of respon-
dents who report having saved for emergencies or a time when they expect to
have less income in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
166 2012 The Little Data Book on Financial Inclusion
GlossarySaved for future expenses in the past year denotes the percentage of respon-
dents who report saving for expenses in the future such as education, a
wedding, or a big purchase in the past 12 months. (Demirguc-Kunt and
Klapper, 2012)
Saved using a savings club in the past year denotes 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.
(Demirguc-Kunt and Klapper, 2012)
Use a mobile phone to pay bills denotes the percentage of respondents who
report using a mobile phone to pay bills in the past 12 months. (Demirguc-
Kunt and Klapper, 2012)
Use a mobile phone to receive money denotes the percentage of respon-
dents who report using a mobile phone to receive money in the past 12
months. (Demirguc-Kunt and Klapper, 2012)
Use a mobile phone to send money denotes the percentage of respondents
who report using a mobile phone to send money in the past 12 months.
(Demirguc-Kunt and Klapper, 2012)
Use an account for business purposes denotes the percentage of respon-
dents who report using their accounts at a formal financial institution for
business purposes only or for both business purposes and personal trans-
actions. (Demirguc-Kunt and Klapper, 2012)
Use an account to receive government payments denotes the percentage of
respondents who report using their accounts at a formal financial institution
to receive money or payments from the government in the past 12 months.
(Demirguc-Kunt and Klapper, 2012)
Use an account to receive remittances denotes the percentage of respon-
dents who report using their accounts at a formal financial institution to
receive money from family members living elsewhere in the past 12 months.
(Demirguc-Kunt and Klapper, 2012)
Use an account to receive wages denotes the percentage of respondents
who report using their accounts at a formal financial institution to receive
money or payments for work or from selling goods in the past 12 months.
(Demirguc-Kunt and Klapper, 2012)
Use an account to send remittances denotes the percentage of respon-
dents who report using their accounts at a formal financial institution to
send money to family members living elsewhere in the past 12 months.
(Demirguc-Kunt and Klapper, 2012)
167The Little Data Book on Financial Inclusion 2012
ReferenceDemirguc-Kunt, Asli and Leora Klapper, 2012. “Measuring Financial Inclusion:
The Global Findex Database.” World Bank Policy Research Working Paper
6025, World Bank, Washington, D.C.
AFGHANISTAN ALBANIA ALGERIA ANGOLA ARGENTINA ARMENIA AUSTRALIA AUSTRIA AZERBAIJAN BAHRAIN BANGLADESH BELARUSBELGIUM BENIN BOLIVIA BOSNIA AND HERZEGOVINA BOTSWANABRAZIL BULGARIA BURKINA FASO BURUNDI CAMBODIA CAMEROON CANADA CENTRAL AFRICAN REPUBLIC CHAD CHILE CHINA COLOMBIACOMOROS DEMOCRATIC REPUBLIC OF CONGO REPUBLIC OF CONGO COSTA RICA CROATIA CYPRUS CZECH REPUBLIC DENMARK DJIBOUTIDOMINICAN REPUBLIC ECUADOR ARAB REPUBLIC OF EGYPT EL SALVADOR ESTONIA FINLAND FRANCE GABON GEORGIA GERMANY GHANA GREECE GUATEMALA GUINEA HAITI HONDURAS HONG KONG SAR, CHINA HUNGARY INDIA INDONESIA ISLAMIC REPUBLIC OF IRAN IRAQIRELAND ISRAEL ITALY JAMAICA JAPAN JORDAN KAZAKHSTAN KENYA REPUBLIC OF KOREA KOSOVO KUWAIT KYRGYZ REPUBLIC LAO PDR LATVIA LEBANON LESOTHO LIBERIA LITHUANIA LUXEMBOURG FORMER YUGOSLAV REPUBLIC OF MACEDONIA MADAGASCAR MALAWI MALAYSIA MALI MALTA MAURITANIA MAURITIUS MEXICO MOLDOVA MONGOLIA MONTENEGRO MOROCCO MOZAMBIQUE NEPAL NETHERLANDS NEW ZEALAND NICARAGUA NIGER NIGERIA OMAN PAKISTAN PANAMA PARAGUAY PERU PHILIPPINES POLAND PORTUGAL QATAR ROMANIA RUSSIAN FEDERATION RWANDA SAUDI ARABIA SENEGAL SERBIA SIERRA LEONE SINGAPORE SLOVAK REPUBLIC SLOVENIA SOMALIASOUTH AFRICA SPAIN SRI LANKA SUDAN SWAZILAND SWEDEN SYRIAN ARAB REPUBLIC TAJIKISTAN TANZANIA THAILAND TOGO TRINIDADAND TOBAGO TUNISIA TURKEY TURKMENISTAN UGANDA UKRAINE UNITED ARAB EMIRATES UNITED KINGDOM UNITED STATES URUGUAY UZBEKISTAN REPÚBL
IRATERAICA BOLIVARIANA DE VENEZUELA VIETNAM
WEST BANK AND GAZA REPUBLIC OF YEMEN ZAMBIA ZIMBABWE
1818 H Street N.W.
Washington, D.C. 20433 USA
Telephone: 202 473 1000
Fax: 202 477 6391
Web site: data.worldbank.org
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ISBN 978-0-8213-9509-7
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