Rwanda - FinScope 2024, Financial Inclusion in Rwanda
| Reference ID | RWA-NISR-FINSCOPE-2024-v01 |
| Year | 0 |
| Country | Rwanda |
| Producer(s) | Access to Finance Rwanda |
| Sponsor(s) | Mastercard Foundation - - Funders of Finscope Swedish International Cooperation Agency - Sida - Funders of Finscope Luxembourg Cooperation - - Funders of Finscope Jersey Overseas Aid - JOA - Funders of Finscope Rwanda Bankers Associat |
| Metadata |
 Documentation in PDF
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 Study website
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Created on
Jul 09, 2025
Last modified
Jul 09, 2025
Page views
260781
data_dictionary
Data File: Microdata
| Cases | 13994 |
| Variable(s) | 2500 |
Variables
| Name | Label | Question | |
| key | Household identifier | ||
| a1 | A1. Province/Kigali City | ||
| a2 | A2. District | ||
| a6 | Urban_Rural | ||
| hh_wt | Household weight | ||
| pop_wt | Individual weight_16+ years old | ||
| hh_size | household size | ||
| hh_head | Sex of household head | ||
| bo | Relationship with the household head | ||
| b1 | Age of respondent | ||
| b2 | Sex of respondent | ||
| b3 | Marital status of respondent | ||
| e1 | Responsible for money mgmt decisions at HH | ||
| e1b_1 | E1b_1. How much input-in making decisions about household income | ||
| e1b_2 | E1b_2. How much input-in making decisions about large, household purchases | ||
| e1b_3 | E1b_3. How much input-in making decisions about routine household purchases | ||
| e1c | E1c. You have a large degree of control over your current financial situation an | ||
| e2a | E2a. Have you got money of your own that you can do with as you wish? | ||
| e2b | E2b. Why not? | ||
| e2b_1 | E2b_1. Do not earn/generate money | ||
| e2b_2 | E2b_2. All money goes into the hh | ||
| e2b_3 | E2b_3. Need permission to spend | ||
| e2b_4 | E2b_4. Hand over the money to Head of the Household member | ||
| e2b_5 | E2b_5. Other specify | ||
| e2c | E2c. Do you save or keep money for different reasons and how often? | ||
| e2d | E2d.Do you invest money in assets(buying properties,equipment,livestock) | ||
| e2e | E2e. You are on track to accomplish your financial goals? | ||
| e3 | E3. Before you buy something, you carefully consider whether you can afford it? | ||
| e4a | E4a. You pay your bills on time? | ||
| e4b | E4b. Your debt is manageable ? You are able to pay off what you owe when it is d | ||
| e5 | E5. You keep a close personal watch on your financial affairs? | ||
| e6 | E6. In the last one year, your financial situation has caused you stress. | ||
| e7 | E7.Sometimes people find their income does not quite cover their living cost | ||
| e7a | E7a. What did you mainly do to pay for things when this happened? | ||
| e7c | E7c. I can usually make my money last until the next time I receive income? | ||
| e7d | E7d. If you lost all your income and had to survive on what you have put aside, | ||
| e9a | E9a. Compared to one year ago (past 12 months), would you say your financial sta | ||
| e9b | E9b.Have you set aside emergency/rainy-day funds that would cover your expenses | ||
| e9c | E9c. How difficult would it be for you to come up with 56,000 Rwf within the NEX | ||
| e9d | E9d. How would you mainly raise this money? | ||
| e9d_other_specify | E9d. Other, specify | ||
| e10a1 | E10a1. Have missed more than 2 months debt repayment in the past 12 months | ||
| e10a2 | E10a2. Have 4 or more credit commitments | ||
| e10a3 | E10a3. Your credit/borrowing commitments are a heavy burden | ||
| e10a4 | E10a4. You have enough money left for savings after covering all your spending n | ||
| e10b_1 | E10b_1. Covid-19 effect-Missed payment more than once | ||
| e10b_2 | E10b_2. Covid-19 effect-Missed a payment once since 2020 | ||
| e10b_3 | E10b_3. Covid-19 effect-Paid partially of what I was supposed to pay | ||
| e10b_4 | E10b_4. Covid-19 effect-have you requested your service provider for loan restru | ||
| e10c_4 | E10c. For how long was the loan period restructured for? | ||
| e11 | E11. Imagine that five friends are given a gift of 20 000 Rwf. If the friends ha | ||
| e12 | E12. Now imagine that the friends have to wait for one year to get their share o | ||
| e13 | E13. You lend 5 000 Rwf to a friend one evening, and he gives you 5 000 Rwf back | ||
| e14 | E14.Please tell me the level of agreement or disagreement with the following | ||
| e14_1 | E14_1.You compare different financial service and products and then choose the b | ||
| e14_2 | E14_2.You have used Gereranya (that is a device to compare prices) | ||
| e14_3 | E14_3.You know what to do for recourse when not satisfied with a financial servi | ||
| e14_4 | E14_4.You are confident enough to make a complaint against a bank or financial i | ||
| e14_5 | E14_5.You understand the terms and conditions in the contract with a financial i | ||
| e15 | E15.Transperency,Fair treatment and tracking Money | ||
| e15_1 | E15_1. Do you feel that the information on financial products or services bought | ||
| e15_2 | E15_2. Have you ever taken a financial product/service and were later on surpris | ||
| e15_3 | E15_3. Were you ever informed of changes to fees/charges of financial product/se | ||
| e15_4 | E15_4. Was the information provided to you in a language you understand? | ||
| e15_5 | E15_5. How was the information communicated to you | ||
| e15_6 | E15_6. What would you wish to have been informed on? | ||
| e15_6_1 | e15_6_1. New fees/charges | ||
| e15_6_2 | e15_6_2. When it would start | ||
| e15_6_3 | e15_6_3. Give me options on payment | ||
| e15_6_4 | e15_6_4. Fees and charges related to financial products | ||
| e15_6_5 | e15_6_5. Terms and conditions of financial products | ||
| e15_6_6 | e15_6_6. Other (specify) | ||
| e15_7 | E15_7. What was the reason that the information was not understandable? | ||
| e15_7_1 | e15_7_1. Small font | ||
| e15_7_2 | e15_7_2. Crucial elements of information were not disclosed in prominent places | ||
| e15_7_3 | e15_7_3. Use of difficult language | ||
| e15_7_4 | e15_7_4. Not provided in language I understand | ||
| e15_7_5 | e15_7_5. I cannot read, and the information was not explained to me orally | ||
| e15_7_6 | e15_7_6. Other (specify) | ||
| e15_8 | E15_8. Do you trust financial services? advertising? | ||
| e15_9 | E15_9. Do you budget for your money? | ||
| e15_10 | E15_10. Do you know how much money you spent personally in the last 7 days? | ||
| e15_11 | E15_11. Do you keep track of money you get and spend? | ||
| e15_12 | E15_12. How often do you have some money left after covering all your spending n | ||
| e15_13 | E15_13. What do you do with any money you have left over? | ||
| e15_13_1 | e15_13_1. Save/keep money for different reasons | ||
| e15_13_2 | e15_13_2. Invest money in business | ||
| e15_13_3 | e15_13_3. Invest money in assets | ||
| e15_13_4 | e15_13_4. Spend money on non-essentials (e.g.,computer, alcohol, hair) | ||
| e15_13_5 | e15_13_5. Lend it to others | ||
| e15_13_6 | e15_13_6. Repay debts | ||
| e15_13_7 | e15_13_7. Other (specify) | ||
| e15_14 | E15_14. Do you feel that financial institutions treat you fairly? | ||
| e15_15 | E15_15. Have you ever been threatened, or treated in a violent, humiliating mann | ||
| e15_16 | E15_16. Have you ever been taken advantage of or misguided by a financial servic | ||
| e15_17 | E15_17. Have you ever been sold a financial product by a financial institution o | ||
| e15_18 | E15_18.Have you ever been sold a loan without assessing your capability of payin | ||
| e16 | E16. Are you currently trying to achieve a goal that requires a lot of money? | ||
| e17 | E17. Which is the most important/main goal that you are currently trying to achi | ||
| e18 | E18. What are you currently doing/ What have you done in the past 12 months to a | ||
Total variable(s):
2500 |