Ghana - Financial Service Survey 2006
Reference ID | GHA-GSS-FSS-2006-v1.0 |
Year | 2006 |
Country | Ghana |
Producer(s) | Ghana Statistical Service (GSS) - Office of the President |
Sponsor(s) | World Bank - WB - Funding and technical support |
Metadata | Documentation in PDF |
Created on
Nov 05, 2010
Last modified
May 26, 2015
Page views
566944
Data Description
Data File: Section 4 - Actions and attitudes towards use of financial services and products
Content | This dataset presents information on the actions and attitudes towards accessing and using financial services and products. The questions were asked of household heads and randomly selected household members. The information collected include reasons why people do not have a bank account, guarantees required for a bank loan, reasons for applying or not applying for a loan, and loans and other credits applied for during the 12 months prior to the data collection. |
Cases | 3317 |
Variable(s) | 106 |
Structure: | Type: relational Keys: clust (Cluster number), nh (Household number) |
Version | Version 1.0 |
Producer | Ghana Statistical Service (GSS) |
Missing Data | Prior to 2008, missing data and not applicable data were left as blank. These values are not differentiated. The current policy is to identify the missing data as follows: -a coded value would be composed of 9s such that the entire length of the field is filled. For example a code of' '999' would be used for a missing field of three characters. -not applicable or skipped variables are left blank |
Processing Checks | All files have been checked for the following: 1. All variables have been clearly defined and labelled 2. All categories (value labels) have been clearly defined 3. All cases have unique identification (no duplicates) 4. The frequencies of expected respondents checked with the actual section and inconsistencies noted. 5. Skip patterns have been verified 6. Structure edits have been performed |
Notes | Universe for Section 4: Questionnaire Group 1: All adult household members aged 15 years and older Questionnaire Group 2: One Randomly selected adult household member Questionnaire Group 3: Head of household and one randomly selected household member |
Variables
Name | Label | Question | |
clust | Cluster number | ||
nh | Household number | ||
fshid | Household identification | ||
qgroup | Questionnaire group | ||
pid | Person number for Section 4 | ||
s4q1 | Did respondent answer "yes" to having an account in Section 3? | INTERVIEWER: DID THE RESPONDENT ANSWER "Yes" TO ANY OF THE SECTION 3 QUESTIONS ABOUT ACCOUNTS: 2, 4, 6, 8, 10, 12, BANK LOAN 36, OR BANK OVERDRAFT 54? | |
s4q2a | First reason for not opening account | There are many reasons why people do not have a bank account. Please tell me, in the order of importance, the three main reasons why you do not have a bank account? | |
s4q2b | Second reason for not opening account | There are reasons why people do not have a bank account. Please tell me, in order of importance, the three main reasons why you do not have a bank account? | |
s4q2c | Third reason for not opening account | There are reasons why people do not have a bank account. Please tell me, in order of importance, the three main reasons why you do not have a bank account? | |
s4q3 | Convenience of the location of bank nearest to respondent | Would you say that the location of the bank which is nearest to you is .................. | |
s4q4 | Mode of transport from house to bank | What mode of transportation would you use to go from your house to this bank which is nearest to you? | |
s4q5 | Travelling time in minutes to nearest bank | How long, in minutes would it take you to travel to the bank nearest to you? | |
s4q6a | First reason respondent might like to have a bank account | In order of importance, what is(are) the reason(s) you might like to have a bank account? | |
s4q6b | Second reason respondent might like to have a bank account | In order of importance, what is(are) the reason(s) you might like to have a bank account? | |
s4q6c | Third reason respondent might like to have a bank account | In order of importance, what is(are) the reason(s) you might like to have a bank account? | |
s4q7 | Convenience of the location of bank | Would you say that the location of your bank is .................... | |
s4q8 | Mode of transportation to respondent's bank | What mode of transportation do you use to go to your bank? | |
s4q9 | Travelling time in minutes to respondent's bank | What is the average time you spend travelling to your bank (one way)? | |
s4q10a | First reason for having a bank account | In order of importance, what is(are) the reason(s) you have a bank account? | |
s4q10b | Second reason for having a bank account | In order of importance, what is(are) the reason(s) you have a bank account? | |
s4q10c | Third reason for having a bank account | In order of importance, what is(are) the reason(s) you have a bank account? | |
s4q11 | Did respondent answer "yes" to savings and retirement accounts? | INTERVIEWER: DID THE RESPONDENT ANSWER "Yes" TO ANY OF THE SECTION 3 QUESTIONS ABOUT........... BANK SAVINGS.............6, 10, 12, 14 NON-BANK SAVINGS..........22, 24, 26, 28, 30 RETIREMENT ACCOUNTS....32, 34? | |
s4q12a | First reason for not having a bank account | There are many reasons why people do not have a bank account. Please tell me, in the order of importance, the three main reasons why you do not have a savings account? | |
s4q12b | Second reason for not having a bank account | There are many reasons why people do not have a bank account. Please tell me, in the order of importance, the three main reasons why you do not have a savings account? | |
s4q12c | Third reason for not having a bank account | There are many reasons why people do not have a bank account. Please tell me, in the order of importance, the three main reasons why you do not have a savings account? | |
s4q13 | Did respondent earn interest for keeping money in savings account? | Do you earn interest from keeping money in a savings account? | |
s4q14 | Did respondent answer "yes" to contributing to susu, welfare scheme, etc? | INTERVIEWR: DID RESPONDENT ANSWER "Yes" TO EITHER OF THE SECTION 3 QUESTIONS ABOUT.......SUSU, WELFARE SCHEME OR SAVINGS CLUB, 26, 28? | |
s4q15 | Can respondent borrow money from susu/welfare or other savings club? | You mentioned that you used Susu or Welfare scheme or other Savings club. Can you borrow money from these? | |
s4q16 | Can respondent borrow more than his/her contributions from susu etc? | Can you borrow more than your contributions from this Susu, Welfare scheme or Savings club? | |
s4q17 | Has the amount that respondent can borrow from savings increased over time? | Has the amount that you can borrow from your Susu, Welfare scheme or Savings club increased over time? | |
s4q18a | How often does respondent make contributions to susu or savings? | How often do you make contributions to your Susu, Welfare scheme or Savings club? | |
s4q18b | Time unit of contribution to susu or savings | How often do you make contributions to your Susu, Welfare scheme or Savings club? | |
s4q19 | Did respondnet answer "yes" to Section 3 question 36? | INTERVIEWER: DID RESPONDENT ANSWER "Yes" TO SECTION 3 OF THE BANK LOAN QUESTION ...36? | |
s4q20 | Did respondent take a loan from ADB,HFC,NIB,MB in past 12months? | Do you currently have, or have you had in the past 12 months a loan with the Agricultural Development Bank, Home Finance Company Bank, the National Investment Bank or the Merchant Bank? | |
s4q21 | Most recent investment bank that respondent took a loan from in the last 12months | What is the name of the bank? (If more than one loan, refer to the most recent) | |
s4q22 | Main purpose of loan taken from investment bank in past 12 months | What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent. | |
s4q23a | First guarantee required for investment bank loan taken in past 12 months | What guarantee were you required to give for this loan? | |
s4q23b | Second guarantee required for investment bank loan taken in past 12 months | What guarantee were you required to give for this loan? | |
s4q23c | Third guarantee required for investment bank loan taken in past 12 months | What guarantee were you required to give for this loan? | |
s4q24 | Did respondent apply for a loan with ADB,HFC,NIB,MB in past 12months? | In the past 12 months, have you applied for a loan with an Agricultural Development Bank, Home Finance Company Bank, the National Investment Bank or the Merchant Bank? | |
s4q25 | Was loan application with investment bank accepted or rejected? | Was your loan accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)? | |
s4q26a | First reason why loan application to investment bank was rejected | Why was it rejected? | |
s4q26b | Second reason why loan application to investment bank was rejected | Why was it rejected? | |
s4q26c | Third reason why loan application to investment bank was rejected | Why was it rejected? | |
s4q27 | Did respondent take a loan from any other bank in the past 12 months? | Do you currently have, or have you had in the past 12 months a loan with any other bank? | |
s4q28 | Most recent other bank respondent took a loan from in past 12 months | What is the name of the bank? (If more than one bank, refer to the most recent) | |
s4q29 | Main purpose for taking a loan from any other bank in past 12 months | What was the main reason for which you took out this loan? If more than one loan, refer to the most recent. | |
s4q30a | First guarantee required for any other bank loan taken in past 12 months | What guarantee were you required to undertake or give to obtain this loan? | |
s4q30b | Second guarantee required for any other bank loan taken in past 12 months | What guarantee were you required to undertake or give to obtain this loan? | |
s4q30c | Third guarantee required for any other bank loan in past 12 months | What guarantee were you required to undertake or give to obtain this loan? | |
s4q31 | Did respondent apply for a loan with any other bank in the past 12 months? | In the past 12 months, have you applied for a loan with any other bank? | |
s4q32 | Was loan application with any other bank accepted or rejected? | Was your loan accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)? | |
s4q33a | First reason why loan application with any other bank was rejected | Why was it rejected? | |
s4q33b | Second reason why loan application with any other bank was rejected | Why was it rejected? | |
s4q33c | Third reason why loan application with any other bank was rejected | Why was it rejected? | |
s4q34 | Did respondent answer "yes" to Section 3 question 40? | INTERVIEWER: DID RESPONDENT ANSWER "Yes" IN THE SECTION 3 CREDIT UNION LOAN QUESTION....40? | |
s4q35 | Main purpose of loan from credit union | You said that you currently have a loan with a credit union. What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent. | |
s4q36a | First guarantee required for loan from credit union | What guarantee were you required to undertake or give to obtain this loan? | |
s4q36b | Second guarantee required for loan from credit union | What guarantee were you required to undertake or give to obtain this loan? | |
s4q36c | Third guarantee required for loan from credit union | What guarantee were you required to undertake or give to obtain this loan? | |
s4q37 | Did respondent apply for a loan with the credit union in past 12 months? | In the past 12 months, have you applied for a loan with a credit union? | |
s4q38 | Was the loan application to the credit union accepted or rejected? | Was your loan application accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)? | |
s4q39a | First reason why loan with credit union was rejected | Why was it rejected? | |
s4q39b | Second reason why loan with credit union was rejected | Why was it rejected? | |
s4q39c | Third reason why loan with credit union was rejected | Why was it rejected? | |
s4q40 | Did respondent answer "yes" to Section 3 question 42? | INTERVIEWER: DID RESPONDENT ANSWER "Yes" IN THE SECTION 3 MICRO-FINANCE LENDER QUESTION ........42? | |
s4q41 | Main purpose for applying for loan from micro finance lender | You said that you currently have a loan with a micro-finance lender. What was the main purpose for which you took out this loan? If more than one loan, refer to most recent. | |
s4q42a | First guarantee required by micro finance lender | What guarantee were you required to give for this loan? | |
s4q42b | Second guarantee required by micro finance lender | What guarantee were you required to give for this loan? | |
s4q42c | Third guarantee required by micro finance lender | What guarantee were you required to give for this loan? | |
s4q43 | Did respondent apply for loan from micro finance institution in last 12 months? | In the past 12 months, have you applied for a loan with a micro-finance insitution? | |
s4q44 | Was loan appplication to micro finance institution accepted or rejected? | Was your loan accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)? | |
s4q45a | First reason why loan application to micro-finance institution was rejected | Why was it rejected? | |
s4q45b | Second reason why loan appplication to micro-finance institution was rejected | Why was it rejected? | |
s4q45c | Third reason why loan application to micro-finance institution was rejected | Why was it rejected? | |
s4q46 | Did respondent answer "yes" to Section 3 question 48? | INTERVIEWER: DID RESPONDENT ANSWER "Yes" TO THE SECTION 3 SUSU, WELFARE SCHEME, SAVING CLUB QUESTION .......48? | |
s4q47 | Main purpose for appliying for loan from susu or welfare scheme | You said that you currently have money borrowed from a susu, welfare scheme or other savings club. What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent. | |
s4q48a | First guarantee required for loan from susu or welfare scheme | What was the guarantee you were required to give for this loan? | |
s4q48b | Second guarantee required for loan from susu or welfare scheme | What was the guarantee you were required to give for this loan? | |
s4q48c | Third guarantee required for loan from susu or welfare scheme | What was the guarantee you were required to give for this loan? | |
s4q49 | Did respondent apply for loan from susu scheme in the past 12 months? | In the past 12 months, have you applied for a loan with a Susu, Welfare scheme or other Savings club? | |
s4q50 | Was loan from susu scheme in past 12 months accepted or rejected? | Was your loan application accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)? | |
s4q51a | First reason why application for loan from susu scheme in past 12 months was rejected | Why was it rejected? | |
s4q51b | Second reason why application for loan from susu scheme in past 12 months was rejected | Why was it rejected? | |
s4q51c | Third reason application for loan from susu scheme in past 12 months was rejected | Why was it rejected? | |
s4q52 | Did respondent answer "yes" to Section 3 question 44? | INTERVIEWER: DID RESPONDENT ANSWER "Yes" TO THE SECTION 3 EMPLOYER LOAN QUESTION .......44? | |
s4q53 | Main purpose for applying for loan from employer | You said you currently have a loan from an employer. What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent. | |
s4q54a | First guarantee required for a loan from employer | What guarantee were you required to give for this loan? | |
s4q54b | Second guarantee required for a loan from employer | What guarantee were you required to give for this loan? | |
s4q54c | Third guarantee required for a loan from employer | What guarantee were you required to give for this loan? | |
s4q55 | Did respondent apply for a loan from employer in the past 12 months? | In the past 12 months, have you applied for a loan or tried to borrow from an employer? | |
s4q56 | Was application for loan from employer in past 12 months accepted or rejected? | Was your loan aplication accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)? | |
s4q57a | First reason why application for loan from employer in past 12 months was rejected | Why was it rejected? | |
s4q57b | Second reason why application for loan from employer in past 12 months was rejected | Why was it rejected? | |
s4q57c | Third reason why application for loan from employer in past 12 months was rejected | Why was it rejected? | |
s4q58 | Did respondent answer "yes" to Section 3 question 46? | INTERVIEWER: DID RESPONDENT ANSWER "Yes" TO THE SECTION 3 MONEY LENDER LOAN QUESTION ....46? | |
s4q59 | Main purpose for applying for a loan from money lender? | You said that you currently have a loan with a money lender. What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent. | |
s4q60a | First guarantee required for a loan from money lender | What guarantee were you required to give for this loan? | |
s4q60b | Second guarantee required for a loan from money lender | What guarantee were you required to give for this loan? | |
s4q60c | Third guarantee required for a loan from money lender | What guarantee were you required to give for this loan? | |
Total variable(s):
106 |