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Page 1: From The Little 12Financial Inclusion

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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68169
Page 2: From The Little 12Financial Inclusion
Page 3: From The Little 12Financial Inclusion

2012 THE LITTLEDATA BOOK ON FINANCIAL INCLUSION

Page 4: From The Little 12Financial 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.

Page 5: From The Little 12Financial Inclusion

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

Page 6: From The Little 12Financial Inclusion

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

Page 7: From The Little 12Financial Inclusion

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

Page 8: From The Little 12Financial Inclusion

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

Page 9: From The Little 12Financial Inclusion

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.

Page 10: From The Little 12Financial Inclusion
Page 11: From The Little 12Financial Inclusion

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

Page 12: From The Little 12Financial Inclusion

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

Page 13: From The Little 12Financial Inclusion

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

Page 14: From The Little 12Financial Inclusion

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

Page 15: From The Little 12Financial Inclusion

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

Page 16: From The Little 12Financial Inclusion

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

Page 17: From The Little 12Financial Inclusion

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

Page 18: From The Little 12Financial Inclusion

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

Page 19: From The Little 12Financial Inclusion

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.

Page 20: From The Little 12Financial Inclusion

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

Page 21: From The Little 12Financial Inclusion

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

Page 22: From The Little 12Financial Inclusion

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

Page 23: From The Little 12Financial Inclusion

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

Page 24: From The Little 12Financial Inclusion

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

Page 25: From The Little 12Financial Inclusion

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

..

..

..

..

..

Page 26: From The Little 12Financial Inclusion

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........

..

Page 27: From The Little 12Financial Inclusion

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

Page 28: From The Little 12Financial Inclusion

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

Page 29: From The Little 12Financial Inclusion

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

Page 30: From The Little 12Financial Inclusion

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

Page 31: From The Little 12Financial Inclusion

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

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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

Page 33: From The Little 12Financial Inclusion

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

Page 34: From The Little 12Financial Inclusion

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

Page 35: From The Little 12Financial Inclusion

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

.. ..

.. ..

.. ..

.. ..

.. ..

Page 36: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 37: From The Little 12Financial Inclusion

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

Page 38: From The Little 12Financial Inclusion

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 ..

.. ..

Page 39: From The Little 12Financial Inclusion

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

Page 40: From The Little 12Financial Inclusion

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

Page 41: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 42: From The Little 12Financial Inclusion

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

Page 43: From The Little 12Financial Inclusion

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

Page 44: From The Little 12Financial Inclusion

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

Page 45: From The Little 12Financial Inclusion

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

Page 46: From The Little 12Financial Inclusion

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

Page 47: From The Little 12Financial Inclusion

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

Page 48: From The Little 12Financial Inclusion

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

Page 49: From The Little 12Financial Inclusion

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

Page 50: From The Little 12Financial Inclusion

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

Page 51: From The Little 12Financial Inclusion

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

Page 52: From The Little 12Financial Inclusion

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

.. ..

.. ..

.. ..

.. ..

.. ..

Page 53: From The Little 12Financial Inclusion

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

Page 54: From The Little 12Financial Inclusion

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

Page 55: From The Little 12Financial Inclusion

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

Page 56: From The Little 12Financial Inclusion

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

Page 57: From The Little 12Financial Inclusion

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

Page 58: From The Little 12Financial Inclusion

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

Page 59: From The Little 12Financial Inclusion

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

Page 60: From The Little 12Financial Inclusion

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

Page 61: From The Little 12Financial Inclusion

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

Page 62: From The Little 12Financial Inclusion

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 ..

.. ..

Page 63: From The Little 12Financial Inclusion

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

.. ..

.. ..

.. ..

.. ..

.. ..

Page 64: From The Little 12Financial Inclusion

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 ..

.. ..

Page 65: From The Little 12Financial Inclusion

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

.. ..

.. ..

.. ..

.. ..

.. ..

Page 66: From The Little 12Financial Inclusion

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

Page 67: From The Little 12Financial Inclusion

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

Page 68: From The Little 12Financial Inclusion

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

Page 69: From The Little 12Financial Inclusion

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

Page 70: From The Little 12Financial Inclusion

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 ..

.. ..

Page 71: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 72: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 73: From The Little 12Financial Inclusion

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

Page 74: From The Little 12Financial Inclusion

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

Page 75: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 76: From The Little 12Financial Inclusion

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

Page 77: From The Little 12Financial Inclusion

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 ..

.. ..

Page 78: From The Little 12Financial Inclusion

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

Page 79: From The Little 12Financial Inclusion

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

Page 80: From The Little 12Financial Inclusion

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

Page 81: From The Little 12Financial Inclusion

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

Page 82: From The Little 12Financial Inclusion

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

.. ..

.. ..

.. ..

.. ..

.. ..

Page 83: From The Little 12Financial Inclusion

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 ..

.. ..

Page 84: From The Little 12Financial Inclusion

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

Page 85: From The Little 12Financial Inclusion

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

Page 86: From The Little 12Financial Inclusion

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

Page 87: From The Little 12Financial Inclusion

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

Page 88: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 89: From The Little 12Financial Inclusion

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 ..

.. ..

Page 90: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 91: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 92: From The Little 12Financial Inclusion

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

Page 93: From The Little 12Financial Inclusion

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

Page 94: From The Little 12Financial Inclusion

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

Page 95: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 96: From The Little 12Financial Inclusion

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

Page 97: From The Little 12Financial Inclusion

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 ..

.. ..

Page 98: From The Little 12Financial Inclusion

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

Page 99: From The Little 12Financial Inclusion

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

Page 100: From The Little 12Financial Inclusion

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

Page 101: From The Little 12Financial Inclusion

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

Page 102: From The Little 12Financial Inclusion

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

Page 103: From The Little 12Financial Inclusion

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

Page 104: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 105: From The Little 12Financial Inclusion

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

Page 106: From The Little 12Financial Inclusion

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

Page 107: From The Little 12Financial Inclusion

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

Page 108: From The Little 12Financial Inclusion

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

Page 109: From The Little 12Financial Inclusion

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

Page 110: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 111: From The Little 12Financial Inclusion

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

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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

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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

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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

Page 115: From The Little 12Financial Inclusion

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

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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

Page 117: From The Little 12Financial Inclusion

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

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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

Page 119: From The Little 12Financial Inclusion

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

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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.. .... .... .... ..

.. ..

Page 121: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 122: From The Little 12Financial Inclusion

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

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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

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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

Page 125: From The Little 12Financial Inclusion

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

.. ..

.. ..

.. ..

.. ..

.. ..

Page 126: From The Little 12Financial Inclusion

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

Page 127: From The Little 12Financial Inclusion

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

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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

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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

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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

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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 ..

.. ..

Page 132: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 133: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

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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

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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

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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

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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 ..

.. ..

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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

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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

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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

Page 141: From The Little 12Financial Inclusion

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 ..

.. ..

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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 ..

.. ..

Page 143: From The Little 12Financial Inclusion

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

.. ..

.. ..

.. ..

.. ..

.. ..

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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

Page 145: From The Little 12Financial Inclusion

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

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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.. .... .... .... ..

.. ..

Page 147: From The Little 12Financial Inclusion

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

Page 148: From The Little 12Financial Inclusion

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

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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

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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

.. ..

.. ..

.. ..

.. ..

.. ..

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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

Page 152: From The Little 12Financial Inclusion

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

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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

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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

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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

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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 ..

.. ..

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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

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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

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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

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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

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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

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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 ..

.. ..

Page 163: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

Page 164: From The Little 12Financial Inclusion

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.. .... .... .... ..

.. ..

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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

Page 166: From The Little 12Financial Inclusion

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

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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

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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

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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

Page 170: From The Little 12Financial Inclusion

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

Page 171: From The Little 12Financial Inclusion

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

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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

Page 173: From The Little 12Financial Inclusion

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

Page 174: From The Little 12Financial Inclusion

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)

Page 175: From The Little 12Financial Inclusion

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)

Page 176: From The Little 12Financial Inclusion

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)

Page 177: From The Little 12Financial Inclusion

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.

Page 178: From The Little 12Financial Inclusion
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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

Email: [email protected]

ISBN 978-0-8213-9509-7

SKU 19509