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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
2012 THE LITTLEDATA BOOK ON FINANCIAL INCLUSION
Copyright © 2012 by the International Bank forReconstruction and Development/THE WORLD BANK
1818 H Street, N.W.Washington, D.C. 20433
U.S.A.
All rights 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.
iiiThe Little Data Book on Financial Inclusion 2012
Acknowledgments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . iv
Foreword. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .v
Data notes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .vii
Regional tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
World . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
East Asia and Pacific . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Europe and Central Asia. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Latin America and the Caribbean . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Middle East and North Africa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
South Asia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Sub-Saharan Africa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Income group tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Low income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Middle income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Lower middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Upper middle income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Low and middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
High income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Euro area . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Country tables (in alphabetical order) . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Glossary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 163
Reference. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 167
Contents
iv 2012 The Little Data Book on Financial Inclusion
The Little Data Book on Financial Inclusion 2012 was prepared by the Finance and Private Sector Development Team of the Development Research Group, by a team led by Leora Klapper under the supervision of Asli Demirguc-Kunt and comprising Asli T. Egrican, Douglas Randall, Dorothe Singer, and Peter Van Oudheusden. The team was assisted by Mantejwinder K. Jandu and Paulina Sintim-Aboagye. The work was carried out under the management of Martin Ravallion and Justin Yifu Lin. We thank Franklin Allen, Oya Pinar Ardic Alper, Thorsten Beck, Massimo Cirasino, Robert Cull, Tilman Ehrbeck, Michael Fuchs, Xavi Gine, Markus Goldstein, Richard Hinz, Jake Kendall, Aart Kraay, Alexia Latortue, Sole Martinez Peria, Ignacio Mas-Ribo, Jonathan Morduch, Nataliya Mylenko, Mark Napier, Douglas Pearce, Bikki Randhawa, Richard Rosenberg, Armida San Jose, Kinnon M. Scott, Peer Stein, Gaiv Tata, Jeanette Thomas, Klaus Tilmes, Augusto de la Torre, Rodger Voorhies, and Alan Winters for providing substantive comments during various stages of the project. The team is also grateful for the excellent survey execution and related support provided by Gallup, Inc. under the direction of Jim Clifton.
We are especially grateful to the Bill & Melinda Gates Foundation for provid-ing financial support making the collection of the data and its dissemination possible.
Production of this volume was managed by the Development Data Group, under the direction of Shaida Badiee. Substantial contributions were made by Shelley Fu, Buyant Khaltarkhuu, and William Prince, with additional sup-port provided by Azita Amjadi, Alison Kwong, Jomo Tariku, and Sup Lee. The book’s design was done by Jomo Tariku based on an original design by Communications Development Incorporated. Typesetting was done by Barton Matheson Willse & Worthington. Staff from External Affairs oversaw publication and distribution of the book and Alison Strong provided edito-rial assistance.
The reference citation for the data provided in this book is: Demirguc-Kunt, Asli and Leora Klapper, 2012. “Measuring Financial Inclusion: The Global Findex Database.” World Bank Policy Research Working Paper 6025, World Bank, Washington, D.C.
Acknowledgments
vThe Little Data Book on Financial Inclusion 2012
ForewordThe Little Data Book on Financial Inclusion 2012 is a pocket edition of the Global Financial Inclusion Database published in 2012 in Measuring Financial
Inclusion: The Global Findex Database by Asli Demirguc-Kunt and Leora Klapper. It provides country-level indicators of financial inclusion summarized for all adults and disaggregated by key demographic characteristics—gender, age, education, income, and rural or urban residence. The book also includes summary pages by region and by income group aggregates. Covering 148 economies, the indicators of financial inclusion measure the use of formal bank accounts, payments behavior, savings patterns, credit patterns, and insurance decisions.
Access to financial services plays a critical part in development by facilitat- ing economic growth and reducing income inequality. Inclusive financial systems allow poor people to smooth their consumption and insure themselves against economic vulnerabilities, from illness and accidents to theft and unemployment. Financial access enables poor people to save and to borrow—allowing them to build their assets, to invest in education and entrepreneurial ventures, and thus to improve their livelihoods. Inclusive finance is especially likely to benefit disadvantaged groups such as women, youth, and rural communities. For all these reasons financial inclusion has gained prominence in recent years as a policy objective to improve the lives of the poor.
Recognizing the need for better data to support the financial inclusion agenda, the World Bank’s Development Research Group, with a 10-year grant from the Bill & Melinda Gates Foundation, launched the Global Findex database, collecting the first round of data in 2011. The Global Findex database is the first public database of demand-side indicators that consistently measure people’s use of financial products around the world and over time. Covering a range of topics, the data can be used to track financial inclusion policies globally and develop a deeper and more nuanced understanding of how people around the world save, borrow, and make payments. The data were collected by Gallup, Inc. over the 2011 calendar year through the Gallup World Poll survey.
The data show sharp disparities in the use of financial services between high-income and developing economies and across demographic groups. While about half of all adults around the world have an account with a formal financial institution, the share in high-income economies (89 percent) is more than twice that in developing economies (41 percent). Globally, more than 2.5 billion adults have no formal account, most of them in developing economies. The gaps in account use between demographic groups are particularly large in developing economies: While 46 percent of men have an account, only 37 percent of women do. And those in the highest income quintile are on average more than twice as likely to have a formal account as those in the lowest quintile.
The Little Data Book on Financial Inclusion 2012 is a part of the Global Findex suite of products offering access to the data. Others include the Open
vi 2012 The Little Data Book on Financial Inclusion
Data Platform Financial Inclusion topic page (http://datatopics.worldbank.org/financialinclusion) and the eAtlas of Financial Inclusion (http://data.worldbank.org/atlas-fi) (more information is available at www.worldbank.org/globalfindex). The hope is that the book will aid policy makers and researchers in using financial inclusion data more effectively to support priority setting and improve development outcomes.
Foreword
viiThe Little Data Book on Financial Inclusion 2012
Data notesThe data in this book are for 2011 unless otherwise noted in the the Glossary.
• Regional aggregates include data for low- and middle-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.
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
2 2012 The Little Data Book on Financial Inclusion2 2012 The Little Data Book on Financial Inclusion2 2012 The Little Data Book on Financial Inclusion2 2012 The Little Data Book on Financial Inclusion2 2012 The Little Data Book on Financial Inclusion
WorldPopulation (millions) 6,894.6 GNI per capita ($) 9,069
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
50.554.746.337.954.340.463.440.758.345.858.4
7.712.865.416.013.951.727.413.669.9
3.143.347.71.9
30.4
7.920.912.9
7.27.0
2.02.23.0
35.922.45.3
24.027.2
9.022.8
3.47.05.05.4
11.02.8
17.1
3The Little Data Book on Financial Inclusion 2012 3The Little Data Book on Financial Inclusion 2012 3The Little Data Book on Financial Inclusion 2012 3The Little Data Book on Financial Inclusion 2012 3The Little Data Book on Financial Inclusion 2012
East Asia & PacificPopulation (millions) 1,961.6 GNI per capita ($) 3,696
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
54.957.652.352.154.946.571.039.865.649.570.8
13.219.164.6
7.820.555.014.313.976.4
2.539.155.9
1.334.5
3.216.96.38.87.1
1.31.01.2
39.828.4
4.328.229.6
8.627.21.94.45.45.89.71.8
36.8
4 2012 The Little Data Book on Financial Inclusion4 2012 The Little Data Book on Financial Inclusion4 2012 The Little Data Book on Financial Inclusion4 2012 The Little Data Book on Financial Inclusion4 2012 The Little Data Book on Financial Inclusion
Europe & Central AsiaPopulation (millions) 405.2 GNI per capita ($) 7,272
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
44.949.940.031.948.425.651.436.551.141.650.4
4.06.5
80.85.46.9
61.822.522.430.7
1.667.120.4
1.036.4
5.327.311.04.83.0
3.02.52.7
20.47.01.3
12.813.9
7.728.2
1.51.84.71.73.61.4
4.5
5The Little Data Book on Financial Inclusion 2012 5The Little Data Book on Financial Inclusion 2012 5The Little Data Book on Financial Inclusion 2012 5The Little Data Book on Financial Inclusion 2012 5The Little Data Book on Financial Inclusion 2012
Latin America & CaribbeanPopulation (millions) 582.6 GNI per capita ($) 7,733
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
39.244.034.726.043.627.846.625.349.133.644.1
6.013.063.317.710.253.130.819.757.21.1
56.432.8
0.828.9
5.220.310.44.22.8
1.80.81.8
25.79.53.7
13.119.1
7.814.22.31.84.24.68.21.7
6.8
6 2012 The Little Data Book on Financial Inclusion6 2012 The Little Data Book on Financial Inclusion6 2012 The Little Data Book on Financial Inclusion6 2012 The Little Data Book on Financial Inclusion6 2012 The Little Data Book on Financial Inclusion
Middle East & North AfricaPopulation (millions) 331.3 GNI per capita ($) 3,874
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
17.723.112.512.320.313.123.2
8.817.310.517.9
19.130.850.814.624.450.219.36.0
66.64.2
37.651.81.29.1
4.76.03.12.72.3
1.01.32.4
20.04.53.6
13.915.9
5.131.14.74.57.75.8
15.75.5
2.5
7The Little Data Book on Financial Inclusion 2012 7The Little Data Book on Financial Inclusion 2012 7The Little Data Book on Financial Inclusion 2012 7The Little Data Book on Financial Inclusion 2012 7The Little Data Book on Financial Inclusion 2012
South AsiaPopulation (millions) 1,633.1 GNI per capita ($) 1,176
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
33.040.725.024.736.627.854.225.341.030.839.2
6.611.770.512.915.966.411.92.0
85.35.3
18.068.6
4.07.2
4.07.43.52.01.6
2.00.81.9
21.311.13.3
15.517.2
8.719.56.42.44.44.9
14.13.9
5.5
8 2012 The Little Data Book on Financial Inclusion
Sub-Saharan AfricaPopulation (millions) 853.4 GNI per capita ($) 1,176
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
24.126.721.416.827.714.036.213.931.920.739.7
3.86.3
69.521.911.763.323.0
6.684.0
2.742.049.2
2.515.5
5.39.95.79.16.3
3.011.214.5
40.214.219.326.031.3
4.739.9
5.42.04.49.0
15.14.6
3.2
9The Little Data Book on Financial Inclusion 2012
Income group tables
9The Little Data Book on Financial Inclusion 2012
For operational and analytical purposes the World Bank’s main criterion for classifying economies is gross national income (GNI) per capita. Each economy in The Little Data Book on Financial Inclusion is classified as low income, middle income, or high income. Low- and middle-income economies are sometimes referred to as developing economies. The use of the term is convenient; it is not intended to imply that all economies in the group are experiencing similar development or that other economies have reached a preferred or final stage of development. Classification by income does not necessarily reflect development status. Note: Classifications are fixed during the World Bank’s fiscal year (ending on June 30), thus countries remain in the categories in which they are classified irrespective of any revisions to their per capita income data.
Low-income economies are those with a GNI per capita of $1,005 or less in 2010.
Middle-income economies are those with a GNI per capita of more than $1,005 but less than $12,276. Lower-middle-income and upper-middle-income economies are separated at a GNI per capita of $3,975.
High-income economies are those with a GNI per capita of $12,276 or more.
Euro area includes the member states of the Economic and Monetary Union of the European Union that have adopted the euro as their currency: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Slovak Republic, Slovenia, and Spain.
10 2012 The Little Data Book on Financial Inclusion10 2012 The Little Data Book on Financial Inclusion10 2012 The Little Data Book on Financial Inclusion
Low income
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
23.727.020.515.628.216.235.416.329.422.035.8
5.48.3
64.723.121.259.116.14.3
78.89.1
23.062.9
5.47.4
4.65.92.54.72.8
2.67.19.1
29.911.58.2
20.322.8
11.430.2
7.02.46.36.9
16.15.4
2.2
Population (millions) 796.3 GNI per capita ($) 528
11The Little Data Book on Financial Inclusion 2012 11The Little Data Book on Financial Inclusion 2012 11The Little Data Book on Financial Inclusion 2012
Middle incomePopulation (millions) 4,970.8 GNI per capita ($) 3,723
Account at a Formal Financial InstitutionAll adults (%, age 15+)Male adults (%, age 15+)Female adults (%, age 15+)Young adults (%, ages 15–24)Older adults (%, age 25+)Adults with a primary education or less (%, age 15+)Adults with a secondary education or more (%, age 15+)Adults in income quintiles I (lowest) and II (%, age 15+)Adults in income quintiles III, IV, and V (highest) (%, age 15+)Adults living in a rural area (%, age 15+)Adults living in an urban area (%, age 15+)
Access to Formal Accounts (%, age 15+)0 deposits/withdrawals in a typical month (% with an account)0 deposits in a typical month (% with an account)1–2 deposits in a typical month (% with an account)3+ deposits in a typical month (% with an account)0 withdrawals in a typical month (% with an account)1–2 withdrawals in a typical month (% with an account)3+ withdrawals in a typical month (% with an account)ATM is the main mode of deposit (% with an account)Bank teller is the main mode of deposit (% with an account)Bank agent is the main mode of deposit (% with an account)ATM is the main mode of withdrawal (% with an account)Bank teller is the main mode of withdrawal (% with an account)Bank agent is the main mode of withdrawal (% with an account)Has debit card
Use of Formal Accounts (%, age 15+)Use an account for business purposesUse an account to receive wagesUse an account to receive government paymentsUse an account to receive remittancesUse an account to send remittances
Mobile Payments (%, age 15+)Use a mobile phone to pay billsUse a mobile phone to send moneyUse a mobile phone to receive money
Savings (%, age 15+)Saved any money in the past yearSaved at a formal financial institution in the past yearSaved using a savings club in the past yearSaved for future expenses in the past yearSaved for emergencies in the past year
Credit (%, age 15+)Loan from a formal financial institution in the past yearLoan from family or friends in the past yearLoan from an informal private lender in the past yearOutstanding loan to purchase a homeOutstanding loan for home constructionOutstanding loan to pay school feesOutstanding loan for health or emergenciesOutstanding loan for funerals or weddings
Insurance (%, age 15+)Personally paid for health insurance
43.348.138.434.945.734.458.731.452.539.053.8
9.314.967.810.715.759.417.211.373.1
2.638.852.4
1.824.8
4.015.16.55.94.6
1.81.62.4
30.717.84.9
21.023.3
7.624.73.33.24.85.3
10.62.5
18.6
12 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
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
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
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
..
..
..
..
..
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........
..
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
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
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
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
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
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
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
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
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
.. ..
.. ..
.. ..
.. ..
.. ..
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.. .... .... .... ..
.. ..
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
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 ..
.. ..
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
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
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.. .... .... .... ..
.. ..
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
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
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
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
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
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
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
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
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
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
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
.. ..
.. ..
.. ..
.. ..
.. ..
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
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
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
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
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
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
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
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
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
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 ..
.. ..
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
.. ..
.. ..
.. ..
.. ..
.. ..
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 ..
.. ..
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
.. ..
.. ..
.. ..
.. ..
.. ..
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
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
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
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
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 ..
.. ..
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.. .... .... .... ..
.. ..
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.. .... .... .... ..
.. ..
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
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
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.. .... .... .... ..
.. ..
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
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 ..
.. ..
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
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
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
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
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
.. ..
.. ..
.. ..
.. ..
.. ..
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 ..
.. ..
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
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
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
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
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.. .... .... .... ..
.. ..
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 ..
.. ..
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.. .... .... .... ..
.. ..
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.. .... .... .... ..
.. ..
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
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
84 852012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
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.. .... .... .... ..
.. ..
86 872012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
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 ..
.. ..
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
88 892012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
90 912012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
90 912012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
92 932012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
92 932012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
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.. .... .... .... ..
.. ..
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
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
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
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
98 992012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
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.. .... .... .... ..
.. ..
100 1012012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
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
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
104 1052012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
104 1052012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
106 1072012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
106 1072012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
108 1092012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
108 1092012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
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.. .... .... .... ..
.. ..
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.. .... .... .... ..
.. ..
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
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
114 1152012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
114 1152012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
.. ..
.. ..
.. ..
.. ..
.. ..
116 1172012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
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
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
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
120 1212012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
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 ..
.. ..
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.. .... .... .... ..
.. ..
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.. .... .... .... ..
.. ..
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
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
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
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 ..
.. ..
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
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
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
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 ..
.. ..
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 ..
.. ..
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
.. ..
.. ..
.. ..
.. ..
.. ..
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
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
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.. .... .... .... ..
.. ..
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
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
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
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
.. ..
.. ..
.. ..
.. ..
.. ..
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
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
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
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
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
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 ..
.. ..
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
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
148 1492012 The Little Data Book on Financial Inclusion The Little Data Book on Financial Inclusion 2012
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
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
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
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 ..
.. ..
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.. .... .... .... ..
.. ..
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.. .... .... .... ..
.. ..
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
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
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
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
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
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
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
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
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
164 2012 The Little Data Book on Financial Inclusion
Glossaryautomated teller machine (ATM) as their usual mode of access to put cash (paper or coins) into their account(s). (Demirguc-Kunt and Klapper, 2012)
ATM is the main mode of withdrawal denotes the percentage of respon-dents with an account at a formal financial institution who report utilizing an automated teller machine (ATM) as their usual mode of access to get cash (paper or coins) from their account(s). (Demirguc-Kunt and Klapper, 2012)
Bank agent is the main mode of deposit denotes the percentage of respon-dents with an account at a formal financial institution who report utilizing some other person who is associated with their bank or financial institu-tion as their usual mode of access to put cash (paper or coins) into their account(s). (Demirguc-Kunt and Klapper, 2012)
Bank agent is the main mode of withdrawal denotes the percentage of respondents with an account at a formal financial institution who report utilizing some other person who is associated with their bank or financial institution as their usual mode of access to get cash (paper or coins) from their account(s). (Demirguc-Kunt and Klapper, 2012)
Bank teller is the main mode of deposit denotes the percentage of respon-dents with an account at a formal financial institution who report transacting with a teller over the counter in a branch of their bank or financial institu-tion as their usual mode of access to put cash (paper or coins) into their account(s). (Demirguc-Kunt and Klapper, 2012)
Bank teller is the main mode of withdrawal denotes the percentage of respondents with an account at a formal financial institution who report transacting with a teller over the counter in a branch of their bank or financial institution as their usual mode of access to get cash (paper or coins) from their account(s). (Demirguc-Kunt and Klapper, 2012)
GNI per capita ($) is gross national income (GNI) converted to U.S. dollars using the World Bank Atlas method divided by midyear population. GNI is the sum of value added by all resident producers plus any product taxes (less subsidies) not included in the valuation of output plus net receipts of primary income (compensation of employees and property income) from abroad. GNI, calculated in national currency, is usually converted to U.S. dollars at official exchange rates for comparisons across economies. The World Bank Atlas method is used to smooth fluctuations in prices and exchange rates. It averages the exchange rate for a given year and the two preceding years, adjusted for differences in rates of inflation between the country and the Euro area, Japan, the United Kingdom, and the United States. Data are for 2010. (World Bank)
Has debit card denotes the percentage of respondents with a debit card. (Demirguc-Kunt and Klapper, 2012)
Loan from family or friends in the past year denotes the percentage of respondents who report borrowing any money from family or friends in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
165The Little Data Book on Financial Inclusion 2012
GlossaryLoan from a formal financial institution in the past year denotes the per-centage of respondents who report borrowing any money from a bank, credit union, microfinance institution, or another financial institution such as a cooperative in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
Loan from an informal private lender in the past year denotes the percent-age of respondents who report borrowing any money from a private lender in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
Outstanding loan for health or emergencies denotes the percentage of respondents who report having an outstanding loan for emergency or health purposes. (Demirguc-Kunt and Klapper, 2012)
Outstanding loan for home construction denotes the percentage of respon-dents who report having an outstanding loan to purchase materials or ser-vices to build, extend, or renovate their home or apartment. (Demirguc-Kunt and Klapper, 2012)
Outstanding loan for funerals or weddings denotes the percentage of respon-dents who report having an outstanding loan for a funeral or wedding. (Demirguc- Kunt and Klapper, 2012)
Outstanding loan to pay school fees denotes the percentage of respondents who report having an outstanding loan to pay for school fees. (Demirguc-Kunt and Klapper, 2012)
Outstanding loan to purchase a home denotes the percentage of respon-dents who report having an outstanding loan to purchase their home or apartment. (Demirguc-Kunt and Klapper, 2012)
Personally paid for health insurance denotes the percentage of respon-dents who report having personally purchased health or medical insurance in addition to national health insurance. (Demirguc-Kunt and Klapper, 2012)
Population is the midyear estimate of all residents regardless of legal status or citizenship, except for refugees not permanently settled in the country of asylum who are generally considered part of the population of their country of origin. Data are for 2010. (Eurostat, United Nations Population Division, and World Bank)
Saved any money in the past year denotes the percentage of respondents who report saving or setting aside any money in the past 12 months. (Demirguc- Kunt and Klapper, 2012)
Saved at a formal financial institution in the past year denotes the percent-age of respondents who report saving or setting aside any money by using an account at a formal financial institution such as a bank, credit union, microfinance institution, or cooperative in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
Saved for emergencies in the past year denotes the percentage of respon-dents who report having saved for emergencies or a time when they expect to have less income in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
166 2012 The Little Data Book on Financial Inclusion
GlossarySaved for future expenses in the past year denotes the percentage of respon-dents who report saving for expenses in the future such as education, a wedding, or a big purchase in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
Saved using a savings club in the past year denotes the percentage of respondents who report saving or setting aside any money by using an informal savings club or a person outside the family in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
Use a mobile phone to pay bills denotes the percentage of respondents who report using a mobile phone to pay bills in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
Use a mobile phone to receive money denotes the percentage of respon-dents who report using a mobile phone to receive money in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
Use a mobile phone to send money denotes the percentage of respondents who report using a mobile phone to send money in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
Use an account for business purposes denotes the percentage of respon-dents who report using their accounts at a formal financial institution for business purposes only or for both business purposes and personal trans-actions. (Demirguc-Kunt and Klapper, 2012)
Use an account to receive government payments denotes the percentage of respondents who report using their accounts at a formal financial institution to receive money or payments from the government in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
Use an account to receive remittances denotes the percentage of respon-dents who report using their accounts at a formal financial institution to receive money from family members living elsewhere in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
Use an account to receive wages denotes the percentage of respondents who report using their accounts at a formal financial institution to receive money or payments for work or from selling goods in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
Use an account to send remittances denotes the percentage of respon-dents who report using their accounts at a formal financial institution to send money to family members living elsewhere in the past 12 months. (Demirguc-Kunt and Klapper, 2012)
167The Little Data Book on Financial Inclusion 2012
ReferenceDemirguc-Kunt, Asli and Leora Klapper, 2012. “Measuring Financial Inclusion: The Global Findex Database.” World Bank Policy Research Working Paper 6025, World Bank, Washington, D.C.
AFGHANISTAN ALBANIA ALGERIA ANGOLA ARGENTINA ARMENIA AUSTRALIA AUSTRIA AZERBAIJAN BAHRAIN BANGLADESH 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