From World Development Indicators The Little Data Book on...

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From World Development Indicators The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 12 Account at a Formal Financial Institution Access to Formal Accounts Use of Formal Accounts Mobile Payments Savings Credit Insurance

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Page 1: From World Development Indicators The Little Data Book on 12siteresources.worldbank.org/EXTGLOBALFIN/Resources/8519638... · i ii i 2012 v Foreword The Little Data Book on Financial

AFGHANISTAN ALBANIA ALGERIA ANGOLA ARGENTINA ARMENIA AUSTRALIA AUSTRIA AZERBAIJAN BAHRAIN BANGLADESH BELARUS BELGIUM BENIN BOLIVIA BOSNIA AND HERZEGOVINA BOTSWANA BRAZIL BULGARIA BURKINA FASO BURUNDI CAMBODIA CAMEROON CANADA CENTRAL AFRICAN REPUBLIC CHAD CHILE CHINA COLOMBIA COMOROS DEMOCRATIC REPUBLIC OF CONGO REPUBLIC OF CONGO COSTA RICA CROATIA CYPRUS CZECH REPUBLIC DENMARK DJIBOUTI DOMINICAN 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 IRAQ IRELAND 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 SOMALIA SOUTH AFRICA SPAIN SRI LANKA SUDAN SWAZILAND SWEDEN SYRIAN ARAB REPUBLIC TAJIKISTAN TANZANIA THAILAND TOGO TRINIDAD AND TOBAGO TUNISIA TURKEY TURKMENISTAN UGANDA UKRAINE UNITED ARAB EMIRATES UNITED KINGDOM UNITED STATES URUGUAY UZBEKISTAN REPÚBLICA BOLIVARIANA DE VENEZUELA VIETNAM UNITED ARAB EMIRATES UNITED KINGDOM UNITED STATES URUGUAY UZBEKISTAN REPÚBLICA BOLIVARIANA DE VENEZUELA VIETNAM UNITED ARAB EMIRATES UNITED KINGDOM UNITED STATES URUGUAY

WEST BANK AND GAZA REPUBLIC OF YEMEN ZAMBIA ZIMBABWE

From World Development Indicators

The Little Data Book on Financial Inclusion

The Little Data Book on Financial Inclusion

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]

12Account at a Formal Financial Institution

Access to Formal Accounts

Use of Formal Accounts

Mobile Payments

Savings

Credit

Insurance

ISBN 978-0-8213-9509-7SKU 19509

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2012 THE LITTLEDATA BOOK ON FINANCIAL INCLUSION

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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 reserved Manufactured 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.

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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

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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

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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

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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

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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-incomeeconomies only.

• Figuresinitalicsindicatedataforyearsorperiodsotherthanthosespecified.

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.

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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 PacificCambodia, China, Indonesia, Lao People’s Democratic Republic, Malaysia, Mongolia, Philippines, Thailand, Vietnam

Europe and Central AsiaAlbania, 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 CaribbeanArgentina, 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 AsiaAfghanistan, Bangladesh, India, Nepal, Pakistan, Sri Lanka

Sub-Saharan AfricaAngola, 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

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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

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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

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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

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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

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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

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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

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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

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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.

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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

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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

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12 132012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

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

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12 132012 The Little Data Book on Financial Inclusion The 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

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14 152012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

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

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14 152012 The Little Data Book on Financial Inclusion The 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

..

..

..

..

..

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16 172012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

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........

..

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16 172012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

AlgeriaGlobal Findex data exclude parts of the Southern regions of the country.

AngolaGlobal Findex data exclude some rural areas.

AzerbaijanGlobal Findex data exclude Nagorno-Karabakh and territories.

BahrainGlobal Findex data include only Bahraini nationals and Arab expatriates.

CanadaGlobal Findex data exclude Yukon, Northwest Territories, and Nunavut.

Central African RepublicGlobal Findex data exclude areas bordering Sudan and Chad.

ChadGlobal Findex data exclude some Eastern areas of the country.

ChinaUnless otherwise noted, data for China do not include data for Hong Kong SAR, China; Macao SAR, China; or Taiwan, China.

CyprusGNI per capita and Global Findex data refer to the area controlled by the government of the Republic of Cyprus.

Democratic Republic of the CongoGlobal Findex data exclude North and South Kivu, Ituri, and Haut-Uele.

GeorgiaGNI per capita, population data and Global Findex data exclude Abkhazia and South Ossetia.

IndiaGlobal Findex data exclude Northeast states and remote islands.

IsraelGlobal Findex data exclude East Jerusalem.

KuwaitGlobal Findex data include only Kuwaiti nationals and Arab expatriates.

Lao People’s Democratic RepublicGlobal Findex data exclude some remote rural areas.

MadagascarGlobal Findex data exclude most rural areas.

Country tables

17The Little Data Book on Financial Inclusion 2012

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18 2012 The Little Data Book on Financial Inclusion

MaliGlobal Findex data exclude the Northern part of the country.

MoldovaGNI per capita, population data and Global Findex data exclude Transnistria.

MoroccoGNI per capita data include Former Spanish Sahara.

NigerGlobal Findex data exclude part of the Agadez region in the North.

OmanGlobal Findex data include only Omani nationals and Arab expatriates.

PakistanGlobal Findex data exclude Federally Administered Tribal Areas.

QatarGlobal Findex data include only Qatari nationals and Arab expatriates.

Saudi ArabiaGlobal Findex data include only Saudi nationals and Arab expatriates.

SomaliaGlobal Findex data exclude regions other than Somaliland.

SudanGlobal Findex data exclude South Sudan and Darfur region.

TanzaniaGNI per capita data refer to mainland Tanzania only.

UgandaGlobal Findex data exclude the Northern region

United Arab EmiratesGlobal Findex data include only Emirati nationals and Arab expatriates.

West Bank and GazaGlobal Findex data include East Jerusalem.

Country tables

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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

South Asia

Low income

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

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20 212012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe & Central

Asia

Upper middle income

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

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20 212012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

MiddleEast &

N. Africa

Upper middle income

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 232012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Lower middle income

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

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22 232012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Upper middle income

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

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24 252012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Lower middle income

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

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24 252012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

.. ..

.. ..

.. ..

.. ..

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26 272012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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26 272012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Upper middle income

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

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28 292012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 ..

.. ..

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28 292012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

SouthAsia

Low income

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

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30 312012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Upper middle income

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

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30 312012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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32 332012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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

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32 332012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Lower middle income

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

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34 352012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Upper middle income

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

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34 352012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Upper middle income

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

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36 372012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Upper middle income

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

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36 372012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Upper middle income

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

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38 392012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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

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38 392012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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

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40 412012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

EastAsia &Pacific

Low income

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

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40 412012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Lower middle income

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

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42 432012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

.. ..

.. ..

.. ..

.. ..

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42 432012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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

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44 452012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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

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44 452012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Upper middle income

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

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46 472012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

EastAsia &Pacific

Upper middle income

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

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46 472012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Upper middle income

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

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48 492012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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

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48 492012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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

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50 512012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Lower middle income

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

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50 512012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Upper middle income

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

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52 532012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 ..

.. ..

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52 532012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

.. ..

.. ..

.. ..

.. ..

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54 552012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 ..

.. ..

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54 552012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

.. ..

.. ..

.. ..

.. ..

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56 572012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

MiddleEast &

N. Africa

Lower middle income

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

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56 572012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Upper middle income

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 21.34.6 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

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58 592012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

MiddleEast &

N. Africa

Lower middle income

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

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58 592012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Lower middle income

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

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60 612012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 ..

.. ..

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60 612012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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62 632012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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62 632012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Upper middle income

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

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64 652012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Lower middle income

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

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64 652012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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66 672012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Lower middle income

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

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66 672012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 ..

.. ..

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68 692012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Lower middle income

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

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68 692012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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

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70 712012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Low income

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

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70 712012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Lower middle income

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

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72 732012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

.. ..

.. ..

.. ..

.. ..

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72 732012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 ..

.. ..

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74 752012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

SouthAsia

Lower middle income

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

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74 752012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

EastAsia &Pacific

Lower middle income

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

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76 772012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

MiddleEast &

N. Africa

Upper middle income

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

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76 772012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

MiddleEast &

N. Africa

Lower middle income

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

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78 792012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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78 792012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 ..

.. ..

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80 812012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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80 812012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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82 832012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

MiddleEast &

N. Africa

Upper middle income

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

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82 832012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Upper middle income

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

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Country data

Sub-SaharanAfrica

Low income

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

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84 852012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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Country data

Europe &Central

Asia

Lower middle income

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 11.8

8.4 6.9 13.750.6 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

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86 872012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 ..

.. ..

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88 892012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia Low

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

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Country data

EastAsia &Pacific

Lower middle income

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

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Country data

Europe &Central

Asia

Upper middle income

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

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Country data

MiddleEast &

N. Africa

Upper middle income

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

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Country data

Sub-SaharanAfrica

Lower middle income

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

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Country data

Europe &Central

Asia

Upper middle income

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

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94 952012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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94 952012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Upper middle income

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

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96 972012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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

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96 972012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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

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98 992012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

EastAsia &Pacific

Upper middle income

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

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Country data

Sub-SaharanAfrica

Low income

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

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100 1012012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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Country data

Sub-SaharanAfrica

Lower middle income

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 1032012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Upper middle income

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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102 1032012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Upper middle income

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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Country data

Europe &Central

Asia

Lower middle income

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

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Country data

EastAsia &Pacific

Lower middle income

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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Country data

Europe &Central

Asia

Upper middle income

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

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Country data

MiddleEast &

N. Africa

Lower middle income

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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Country data

Sub-SaharanAfrica

Low income

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

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Country data

SouthAsia

Low income

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 1112012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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110 1112012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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112 1132012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Lower middle income

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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112 1132012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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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Country data

Sub-SaharanAfrica

Lower middle income

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

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Country data

High income

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

.. ..

.. ..

.. ..

.. ..

.. ..

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Country data

SouthAsia

Lower middle income

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

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116 1172012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Upper middle income

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 1192012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Lower middle income

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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118 1192012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Upper middle income

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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Country data

EastAsia &Pacific

Lower middle income

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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120 1212012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 ..

.. ..

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122 1232012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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122 1232012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 1252012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Upper middle income

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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124 1252012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Upper middle income

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 1272012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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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126 1272012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 1292012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Lower middle income

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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128 1292012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Upper middle income

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 1312012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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

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130 1312012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 1332012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 ..

.. ..

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132 1332012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 1352012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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

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134 1352012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Upper middle income

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 1372012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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136 1372012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

SouthAsia

Lower middle income

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

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138 1392012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Lower middle income

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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138 1392012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Lower middle income

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 1412012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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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140 1412012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

MiddleEast &

N. Africa

Lower middle income

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

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142 1432012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia Low

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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142 1432012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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 1452012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

EastAsia &Pacific

Upper middle income

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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144 1452012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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 1472012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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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146 1472012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

MiddleEast &

N. Africa

Upper middle income

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 1492012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Upper middle income

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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Country data

Europe &Central

Asia

Lower middle income

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 1512012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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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150 1512012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Lower middle income

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 1532012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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 ..

.. ..

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152 1532012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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

.. ..

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154 1552012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

High income

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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154 1552012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Upper middle income

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

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156 1572012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Europe &Central

Asia

Lower middle income

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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156 1572012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

LatinAmerica &the Carib.

Upper middle income

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 1592012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

EastAsia &Pacific

Lower middle income

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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158 1592012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

MiddleEast &

N. Africa

Lower middle income

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

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160 1612012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

MiddleEast &

N. Africa

Lower middle income

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

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160 1612012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Lower middle income

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 1632012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012

Country data

Sub-SaharanAfrica

Low income

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

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163The Little Data Book on Financial Inclusion 2012162 1632012 The Little Data Book on Financial Inclusion The 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

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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)

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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)

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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)

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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.

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Page 178: From World Development Indicators The Little Data Book on 12siteresources.worldbank.org/EXTGLOBALFIN/Resources/8519638... · i ii i 2012 v Foreword The Little Data Book on Financial

AFGHANISTAN ALBANIA ALGERIA ANGOLA ARGENTINA ARMENIA AUSTRALIA AUSTRIA AZERBAIJAN BAHRAIN BANGLADESH BELARUS BELGIUM BENIN BOLIVIA BOSNIA AND HERZEGOVINA BOTSWANA BRAZIL BULGARIA BURKINA FASO BURUNDI CAMBODIA CAMEROON CANADA CENTRAL AFRICAN REPUBLIC CHAD CHILE CHINA COLOMBIA COMOROS DEMOCRATIC REPUBLIC OF CONGO REPUBLIC OF CONGO COSTA RICA CROATIA CYPRUS CZECH REPUBLIC DENMARK DJIBOUTI DOMINICAN 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 IRAQ IRELAND 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 SOMALIA SOUTH AFRICA SPAIN SRI LANKA SUDAN SWAZILAND SWEDEN SYRIAN ARAB REPUBLIC TAJIKISTAN TANZANIA THAILAND TOGO TRINIDAD AND TOBAGO TUNISIA TURKEY TURKMENISTAN UGANDA UKRAINE UNITED ARAB EMIRATES UNITED KINGDOM UNITED STATES URUGUAY UZBEKISTAN REPÚBLICA BOLIVARIANA DE VENEZUELA VIETNAM UNITED ARAB EMIRATES UNITED KINGDOM UNITED STATES URUGUAY UZBEKISTAN REPÚBLICA BOLIVARIANA DE VENEZUELA VIETNAM UNITED ARAB EMIRATES UNITED KINGDOM UNITED STATES URUGUAY

WEST BANK AND GAZA REPUBLIC OF YEMEN ZAMBIA ZIMBABWE

From World Development Indicators

The Little Data Book on Financial Inclusion

The Little Data Book on Financial Inclusion

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]

12Account at a Formal Financial Institution

Access to Formal Accounts

Use of Formal Accounts

Mobile Payments

Savings

Credit

Insurance

ISBN 978-0-8213-9509-7SKU 19509