Measuring Household Usage of Financial Services : Does it Matter How or Whom You Ask?

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dc.creatorCull, Robert
dc.creatorScott, Kinnon
dc.date2012-03-19T19:12:26Z
dc.date2012-03-19T19:12:26Z
dc.date2009-09-01
dc.date.accessioned2026-07-01T01:16:32Z
dc.descriptionIn recent years, the number of surveys of access to and use of financial services has multiplied, but little is known about whether the data generated are comparable across countries, or within the same country over time. This paper reports results from a randomized experiment in Ghana to test whether the identity of the respondent and the inclusion of product-specific cues in questions affect the reported rates of household usage of financial services. The analysis shows that rates of household usage are almost identical when the head reports on behalf of the household and when the rate is tabulated from a full enumeration of household use. Randomly selected informants (i.e., non-heads of the household) provide a less complete summary of household use of financial services than the other two methods. The findings also show that for credit from formal institutions, informal sources of savings, and insurance, usage rates are higher when questions are asked about specific financial products rather than about the respondent s dealings with types of financial institutions. In short, who is asked the questions and the form in which they are asked both matter.
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dc.formattext/plain
dc.identifierhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20090910160126
dc.identifierhttps://hdl.handle.net/10986/4240
dc.identifier10.1596/1813-9450-5048
dc.identifier.urihttp://hdl.handle.net/123456789/416631
dc.languageEnglish
dc.relationPaper is funded by the Knowledge for Change Program (KCP),Policy Research working paper ; no. WPS 5048
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.rightsWorld Bank
dc.subjectACCESS INDICATORS
dc.subjectACCESS TO ACCOUNT
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCOUNT HOLDERS
dc.subjectACCURATE ESTIMATES
dc.subjectACCURATE INFORMATION
dc.subjectAGRICULTURAL ACTIVITIES
dc.subjectATM
dc.subjectATM CARD
dc.subjectATM CARDS
dc.subjectATMS
dc.subjectBALANCE SHEET
dc.subjectBALANCE SHEETS
dc.subjectBANK ACCESS
dc.subjectBANK ACCOUNT
dc.subjectBANK ACCOUNTS
dc.subjectBANK BRANCHES
dc.subjectBANK LOAN
dc.subjectBANK LOANS
dc.subjectBANKING SECTOR
dc.subjectBANKING SERVICES
dc.subjectBANKS
dc.subjectBARRIER
dc.subjectCALCULATIONS
dc.subjectCDS
dc.subjectCENTRAL BANKS
dc.subjectCOLLATERAL
dc.subjectCOMMERCIAL BANK
dc.subjectCONTRACT ENFORCEMENT
dc.subjectCONTRIBUTIONS
dc.subjectCREDIT BANKS
dc.subjectCREDIT CONSTRAINTS
dc.subjectCREDIT HISTORIES
dc.subjectCREDIT UNION
dc.subjectCURRENT ACCOUNT
dc.subjectDEBIT CARD
dc.subjectDEBT
dc.subjectDEPOSIT
dc.subjectDEPOSITORS
dc.subjectDEPOSITS
dc.subjectDESCRIPTION
dc.subjectDEVELOPING COUNTRIES
dc.subjectDWELLINGS
dc.subjectECONOMIC GROWTH
dc.subjectEMPLOYEE
dc.subjectEMPLOYER
dc.subjectENTREPRENEURSHIP
dc.subjectEXCLUSION
dc.subjectEXPENDITURES
dc.subjectFAMILIES
dc.subjectFAMILY MEMBERS
dc.subjectFEMALE
dc.subjectFINANCIAL DATA
dc.subjectFINANCIAL DEPTH
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL EXCLUSION
dc.subjectFINANCIAL INFORMATION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INSTRUMENTS
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectFINANCIAL ISSUES
dc.subjectFINANCIAL KNOWLEDGE
dc.subjectFINANCIAL NEEDS
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL QUESTIONS
dc.subjectFINANCIAL SECTOR DEVELOPMENT
dc.subjectFINANCIAL SECTORS
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL SYSTEMS
dc.subjectFORMAL BANK
dc.subjectFORMAL CREDIT
dc.subjectFORMAL FINANCIAL SECTOR
dc.subjectHEAD OF HOUSEHOLD
dc.subjectHEALTH INSURANCE
dc.subjectHOUSEHOLD ACCESS
dc.subjectHOUSEHOLD EXPENDITURES
dc.subjectHOUSEHOLDS
dc.subjectHUMAN CAPITAL
dc.subjectINCOME
dc.subjectINCOME DISTRIBUTION
dc.subjectINEQUALITY
dc.subjectINFORMAL CREDIT
dc.subjectINFORMAL SAVING
dc.subjectINFORMAL SAVINGS
dc.subjectINSURANCE
dc.subjectINSURANCE POLICIES
dc.subjectINSURANCE PRODUCTS
dc.subjectINSURANCE SERVICES
dc.subjectINTERNATIONAL BANK
dc.subjectINVESTING
dc.subjectLABOR FORCE
dc.subjectLABOR FORCE PARTICIPATION
dc.subjectLABOR MARKET
dc.subjectLIMITED ACCESS
dc.subjectLIVING CONDITIONS
dc.subjectLIVING STANDARDS
dc.subjectLOAN
dc.subjectMACROECONOMICS
dc.subjectMARGINAL COST
dc.subjectMARKETING
dc.subjectMFI
dc.subjectMICROCREDIT
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMOBILITY
dc.subjectMONEY MARKET
dc.subjectOLDER INDIVIDUALS
dc.subjectOUTREACH
dc.subjectOVERDRAFT
dc.subjectPENSIONS
dc.subjectPHYSICAL ACCESS
dc.subjectPOSSESSIONS
dc.subjectPOST OFFICE
dc.subjectPOST OFFICE SAVINGS
dc.subjectPOVERTY ALLEVIATION
dc.subjectPROBABILITY
dc.subjectPROVIDENT FUND
dc.subjectPUBLIC SERVICES
dc.subjectQUESTIONNAIRE
dc.subjectQUESTIONNAIRES
dc.subjectREGULATORS
dc.subjectREMOTE AREAS
dc.subjectRESEARCH ASSISTANCE
dc.subjectRESOURCE ALLOCATION
dc.subjectRURAL AREA
dc.subjectRURAL AREAS
dc.subjectSALARY
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNT
dc.subjectSAVINGS ACCOUNTS
dc.subjectSAVINGS BANK
dc.subjectSAVINGS BANKS
dc.subjectSMALL ENTREPRENEURS
dc.subjectSMALL-SCALE ENTREPRENEURS
dc.subjectSTOCK MARKETS
dc.subjectTRAINING MATERIALS
dc.subjectTRANSACTIONS COSTS
dc.subjectTREASURY
dc.subjectTREASURY BILLS
dc.subjectWORTH
dc.subjectYOUNG ADULTS
dc.titleMeasuring Household Usage of Financial Services : Does it Matter How or Whom You Ask?

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