Microdata Library

Albania - Global Financial Inclusion

(Global Findex) Database 2014
Development Research Group, Finance and Private Sector Development Unit World Bank
Report generated on: October 29, 2015

Visit our data catalog at: http://microdata.worldbank.org

Albania - Global Financial Inclusion (Global Findex) Database 2014

Albania - Global Financial Inclusion (Global Findex) Database 2014

Sampling
Sampling Procedure
As in the first edition, the indicators in the 2014 Global Findex are drawn from survey data covering almost 150,000 people
in more than 140 economies-representing more than 97 percent of the world's population. The survey was carried out over
the 2014 calendar year by Gallup, Inc. as part of its Gallup World Poll, which since 2005 has continually conducted surveys of
approximately 1,000 people in each of more than 160 economies and in over 140 languages, using randomly selected,
nationally representative samples. The target population is the entire civilian, noninstitutionalized population age 15 and
above. The set of indicators will be collected again in 2017.
Surveys are conducted face to face in economies where telephone coverage represents less than 80 percent of the
population or is the customary methodology. In most economies the fieldwork is completed in two to four weeks. In
economies where face-to-face surveys are conducted, the first stage of sampling is the identification of primary sampling
units. These units are stratified by population size, geography, or both, and clustering is achieved through one or more
stages of sampling. Where population information is available, sample selection is based on probabilities proportional to
population size; otherwise, simple random sampling is used. Random route procedures are used to select sampled
households. Unless an outright refusal occurs, interviewers make up to three attempts to survey the sampled household. To
increase the probability of contact and completion, attempts are made at different times of the day and, where possible, on
different days. If an interview cannot be obtained at the initial sampled household, a simple substitution method is used.
Respondents are randomly selected within the selected households by means of the Kish grid. In economies where cultural
restrictions dictate gender matching, respondents are randomly selected through the Kish grid from among all eligible adults
of the interviewer's gender.
In economies where telephone interviewing is employed, random digit dialing or a nationally representative list of phone
numbers is used. In most economies where cell phone penetration is high, a dual sampling frame is used. Random selection
of respondents is achieved by using either the latest birthday or Kish grid method. At least three attempts are made to reach
a person in each household, spread over different days and times of day.
The sample size in Albania was 999 individuals.

Weighting
Data weighting is used to ensure a nationally representative sample for each economy. Final weights consist of the base
sampling weight, which corrects for unequal probability of selection based on household size, and the poststratification
weight, which corrects for sampling and nonresponse error. Poststratification weights use economy-level population
statistics on gender and age and, where reliable data are available, education or socioeconomic status.

Albania - Global Financial Inclusion (Global Findex) Database 2014

Questionnaires
Overview
The questionnaire was designed by the World Bank, in conjunction with a Technical Advisory Board composed of leading
academics, practitioners, and policy makers in the field of financial inclusion. The Bill and Melinda Gates Foundation and
Gallup Inc. also provided valuable input. The questionnaire was piloted in multiple countries, using focus groups, cognitive
interviews, and field testing. The questionnaire is available in 142 languages upon request.
Questions on cash withdrawals, saving using an informal savings club or person outside the family, domestic remittances,
school fees, and agricultural payments are only asked in developing economies and few other selected countries. The
question on mobile money accounts was only asked in economies that were part of the Mobile Money for the Unbanked
(MMU) database of the GSMA at the time the interviews were being held.

Albania - Global Financial Inclusion (Global Findex) Database 2014

Data Collection
Data Collection Dates
Start
2014-07-04

End
2014-08-11

Cycle
N/A

Time Periods
Start
2014-01-01

End
2014-12-31

Cycle
N/A

Data Collection Mode

Computer Assisted Personal Interview [capi]
DATA COLLECTION NOTES
Interviews were conducted in Albanian

Albania - Global Financial Inclusion (Global Findex) Database 2014

Data Processing
No content available

Albania - Global Financial Inclusion (Global Findex) Database 2014

Data Appraisal
Estimates of Sampling Error
Estimates of standard errors (which account for sampling error) vary by country and indicator. For country-specific margins
of error, please refer to the Methodology section and corresponding table in Asli Demirguc-Kunt, Leora Klapper, Dorothe
Singer, and Peter Van Oudheusden, The Global Findex Database 2014: Measuring Financial Inclusion around the World.
Policy Research Working Paper 7255, World Bank, Washington, D.C.

Albania - Global Financial Inclusion (Global Findex) Database 2014

File Description

Albania - Global Financial Inclusion (Global Findex) Database 2014

Variable List

Albania - Global Financial Inclusion (Global Findex) Database 2014

micro_alb
Content

Albania microdata

Cases

999

Variable(s)

83

Structure

Type:
Keys: ()

Version
Producer
Missing Data

Variables
ID

Name

Label

Type

Format

Question

V1

economy

Economy

discrete

character

V2

economycode

Economy Code

discrete

character

V3

wpid_random

Gallup World Poll identifier

contin

numeric

V4

wgt

Weight

contin

numeric

V5

female

Respondent is female

discrete

numeric

V6

age

Respondent age

discrete

numeric

Please tell me your age

V7

educ

Respondent education level

discrete

numeric

What is your highest completed level of education?

V8

inc_q

Within-economy household
income quintile

discrete

numeric

What is your total MONTHLY household income in [insert

local currency], before taxes? Please include income from
wages and salaries, remittances from family members
living elsewhere, farming, and all other sources.

V9

account

Has an account

discrete

numeric

Composite indicator

V10 account_fin

Has an account at a
financial institution

discrete

numeric

Composite indicator

V11 q2

Has a debit card

discrete

numeric

(A/An [insert local terminology for ATM/debit card]) is a

card connected to an account at a financial institution that
allows you to withdraw money, and the money is taken out
of THAT ACCOUNT right away. Do you, personally, have
(a/an [insert local terminology for ATM/debit card])?

V12 q3

If has debit card: card in

own name

discrete

numeric

Is this [insert local terminology for ATM/debit card]

connected to an account with your name on it?

V13 q4

If has debit card: used card

in past 12 months

discrete

numeric

Have you, personally, used your [insert local terminology

for ATM/debit card] to DIRECTLY make a purchase in the
past 12 months?

V14 q5

Has a credit card

discrete

numeric

A credit card is a card that allows you to BORROW money

in order to make payments or buy things, and you can pay
the balance off later. Do you, personally, have a credit card?

V15 q6

If has credit card: used card

in past 12 months

discrete

numeric

Have you used your credit card in the past 12 months?

V16 q8a

If does not have account:

b/c too far away

discrete

numeric

Please tell me whether each of the following is A REASON

why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because
financial institutions are too far away.

V17 q8b

If does not have account:

b/c too expensive

discrete

numeric

Please tell me whether each of the following is A REASON

why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because
financial services are too expensive.

10

Albania - Global Financial Inclusion (Global Findex) Database 2014

ID

Name

Label

Type

Format

Question

V18 q8c

If does not have account:

b/c lack documentation

discrete

numeric

Please tell me whether each of the following is A REASON

why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because you
don't have the necessary documentation (identity card,
wage slip, etc.)

V19 q8d

If does not have account:

b/c lack trust

discrete

numeric

Please tell me whether each of the following is A REASON

why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because you
don't trust financial institutions.

V20 q8e

If does not have account:

b/c religious reasons

discrete

numeric

Please tell me whether each of the following is A REASON

why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because of
religious reasons.

V21 q8f

If does not have account:

b/c lack of money

discrete

numeric

Please tell me whether each of the following is A REASON

why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because you
don't have enough money to use financial institutions.

V22 q8g

If does not have account:

b/c family member already
has one

discrete

numeric

Please tell me whether each of the following is A REASON

why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because
someone else in the family already has an account.

V23 q8h

If does not have account:

b/c cannot get one

discrete

numeric

Please tell me whether each of the following is A REASON

why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because you
cannot get an account.

V24 q8i

If does not have account:

b/c no need for financial
services

discrete

numeric

Please tell me whether each of the following is A REASON

why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because you
have no need for financial services at a formal institution.

V25 q9

If has account: any deposit

into account in past 12
months

discrete

numeric

In the past 12 months, has money been DEPOSITED into

your personal account(s)? This includes cash or electronic
deposits, or any time money is put into your account(s) by
yourself, an employer, or another person or institution.

V26 q10

If has any deposit into

account: number of
monthly deposits

discrete

numeric

In a typical MONTH, about how many times is money

DEPOSITED into your personal account(s): one or two times
per month, three or more times per month, or, in a typical
month, is money NOT deposited into your account(s)?
(Read 1-3)

V27 q11

If has account: any

withdrawal from account in
past 12 months

discrete

numeric

In the past 12 months, has money been TAKEN OUT of your

personal account(s)? This includes cash withdrawals in
person or using your [insert local terminology for ATM/debit
card], electronic payments or purchases, checks, or any
other time money is removed from your account(s) by
yourself or another person or institution.

V28 q12

If has any withdrawal from

account: number of
monthly withdrawals

discrete

numeric

In a typical MONTH, about how many times is money

TAKEN OUT of your personal account(s): one or two times
per month, three or more times per month, or, in a typical
month, is money NOT taken out of your account(s)? (Read
1-3)

V29 q13

If has account: most

frequent mode of cash
withdrawal

discrete

numeric

When you need to GET CASH FROM your account(s), how

do you USUALLY get it? (Read 1-4)

V30 q14

If has account: made a

transaction using a mobile
phone

discrete

numeric

In the PAST 12 MONTHS, have you ever made a transaction

with money FROM YOUR ACCOUNT at a bank or another
type of formal financial institution using a MOBILE PHONE?
This can include using a MOBILE PHONE to make payments,
buy things, or to send or receive money.

V31 q16

Made payments online

using the Internet

discrete

numeric

In the PAST 12 MONTHS, have you, personally, made

payments on bills or bought things online using the
Internet?

11

Albania - Global Financial Inclusion (Global Findex) Database 2014

ID

Name

Label

Type

Format

Question

V32 q17a

Saved in past 12 months:

for farm/business purposes

discrete

numeric

In the PAST 12 MONTHS, have you, personally, saved or set

aside any money for any of the following reasons? How
about: To start, operate, or grow a business or farm?

V33 q17b

Saved in past 12 months:

for old age

discrete

numeric

In the PAST 12 MONTHS, have you, personally, saved or set

aside any money for any of the following reasons? How
about: For old age?

V34 q17c

Saved in past 12 months:

for education or school fees

discrete

numeric

In the PAST 12 MONTHS, have you, personally, saved or set

aside any money for any of the following reasons? How
about: For education or school fees?

V35 q18a

Saved in past 12 months:

using an account at a
financial institution

discrete

numeric

In the PAST 12 MONTHS, have you, personally, saved or set

aside any money by: Using an account at a bank or another
type of formal financial institution?

V36 q18b

Saved in past 12 months:

using an informal savings
club

discrete

numeric

In the PAST 12 MONTHS, have you, personally, saved or set

aside any money by: Using an informal savings club (like
[insert local example]), or a person outside the family?

V37 q20

Has loan from a financial

institution for house,
apartment, or land

discrete

numeric

Do you, by yourself or together with someone else,

currently have a loan you took out from a bank or another
type of formal financial institution to purchase a home, an
apartment, or land?

V38 q21a

Borrowed in past 12
months: from a financial
institution

discrete

numeric

In the PAST 12 MONTHS, have you, by yourself or together

with someone else, borrowed any money from a bank,
[insert all financial institutions], or another type of formal
financial institution? This does NOT include credit cards.

V39 q21b

Borrowed in past 12
months: from a store (store
credit)

discrete

numeric

In the PAST 12 MONTHS, have you, by yourself or together

with someone else, borrowed any money from a store by
using installment credit or buying on credit?

V40 q21c

Borrowed in past 12
months: from family or
friends

discrete

numeric

In the PAST 12 MONTHS, have you, by yourself or together

with someone else, borrowed any money from family,
relatives, or friends?

V41 q21d

Borrowed in past 12
months: from another
private lender

discrete

numeric

In the PAST 12 MONTHS, have you, by yourself or together

with someone else, borrowed any money from another
private lender (for example, a/an [insert country-specific
examples of private lenders, i.e., loan shark, payday lender,
or pawn shop])?

V42 q22a

Borrowed in past 12
months: for education or
school fees

discrete

numeric

In the PAST 12 MONTHS, have you, by yourself or together

with someone else, borrowed money for education or
school fees?

V43 q22b

Borrowed in past 12
months: for medical
purposes

discrete

numeric

In the PAST 12 MONTHS, have you, by yourself or together

with someone else, borrowed money for health or medical
purposes?

V44 q22c

Borrowed in past 12
months: for farm/business
purposes

discrete

numeric

In the PAST 12 MONTHS, have you, by yourself or together

with someone else, borrowed money to start, operate, or
grow a business or farm?

V45 q24

Possibility of coming up
with emergency funds

discrete

numeric

Now, imagine that you have an emergency and you need

to pay [insert 1/20 of GNI per capita in local currency]. How
possible is it that you could come up with [insert 1/20 of
GNI per capita in local currency] within the NEXT MONTH?
Is it very possible, somewhat possible, not very possible, or
not at all possible? (Read 1-4)

V46 q25

If able to come up with

emergency funds: main
source

discrete

numeric

What would be the MAIN source of money that you would

use to come up with [insert 1/20 of GNI per capita in local
currency] within the NEXT MONTH? (Read 1-6)

V47 q26

Sent domestic remittances

in past 12 months

discrete

numeric

Have you, personally, GIVEN or SENT any of your MONEY to

a relative or friend living in a different area INSIDE (country
where survey takes place) in the PAST 12 MONTHS? This
can be money you brought yourself or sent in some other
way.

12

Albania - Global Financial Inclusion (Global Findex) Database 2014

ID

Name

Label

Type

Format

Question

V48 q27a

If sent domestic
remittances: in cash

discrete

numeric

In the PAST 12 MONTHS, have you, personally, GIVEN or

SENT money to a relative or friend living in a different area
inside (country where survey takes place) in any of the
following ways? You handed cash to this person or sent
cash through someone you know.

V49 q27b

If sent domestic
remittances: through a
financial institution

discrete

numeric

In the PAST 12 MONTHS, have you, personally, GIVEN or

SENT money to a relative or friend living in a different area
inside (country where survey takes place) in any of the
following ways? You sent money through a bank or another
type of formal financial institution (for example, at a
branch, at an ATM, or through direct deposit into an
account).

V50 q27c

If sent domestic
remittances: through a
mobile phone

discrete

numeric

In the PAST 12 MONTHS, have you, personally, GIVEN or

SENT money to a relative or friend living in a different area
inside (country where survey takes place) in any of the
following ways? You sent money through a mobile phone.

V51 q27d

If sent domestic
remittances: through an
MTO

discrete

numeric

In the PAST 12 MONTHS, have you, personally, GIVEN or

SENT money to a relative or friend living in a different area
inside (country where survey takes place) in any of the
following ways? You sent money through a money transfer
service.

V52 q28

Received domestic
remittances in past 12
months

discrete

numeric

Have you, personally, RECEIVED any MONEY from a

relative or friend living in a different area INSIDE (country
where survey takes place) in the PAST 12 MONTHS,
including any money you received in person?

V53 q29a

If received domestic
remittances: in cash

discrete

numeric

In the PAST 12 MONTHS, have you, personally, RECEIVED

money from a relative or friend living in a different area
inside (country where survey takes place) in any of the
following ways? You were handed cash by this person or by
someone you know.

V54 q29b

If received domestic
remittances: through a
financial institution

discrete

numeric

In the PAST 12 MONTHS, have you, personally, RECEIVED

money from a relative or friend living in a different area
inside (country where survey takes place) in any of the
following ways? You received money through a bank or
another type of formal financial institution (for example, at
a branch, at an ATM, or through direct deposit into an
account).

V55 q29c

If received domestic
remittances: through a
mobile phone

discrete

numeric

In the PAST 12 MONTHS, have you, personally, RECEIVED

money from a relative or friend living in a different area
inside (country where survey takes place) in any of the
following ways? You received money through a mobile
phone.

V56 q29d

If received domestic
remittances: through an
MTO

discrete

numeric

In the PAST 12 MONTHS, have you, personally, RECEIVED

money from a relative or friend living in a different area
inside (country where survey takes place) in any of the
following ways? You received money through a money
transfer service.

V57 q30

Paid utility bills in past 12

months

discrete

numeric

In the PAST 12 MONTHS, have you, personally, made

regular payments for electricity, water, or trash collection?

V58 q31a

If paid utility bills: in cash

discrete

numeric

In the PAST 12 MONTHS, have you, personally, made

payments for electricity, water, or trash collection in any of
the following ways? You made a payment using cash.

V59 q31b

If paid utility bills: using an

account

discrete

numeric

In the PAST 12 MONTHS, have you, personally, made

payments for electricity, water, or trash collection in any of
the following ways? You made a payment directly from an
account (for example, using (a/an [insert local terminology
for ATM/debit card]), a bank transfer, or a check).

V60 q31c

If paid utility bills: through a

mobile phone

discrete

numeric

In the PAST 12 MONTHS, have you, personally, made

payments for electricity, water, or trash collection in any of
the following ways? You made a payment through a mobile
phone.

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Albania - Global Financial Inclusion (Global Findex) Database 2014

ID

Name

Label

Type

Format

Question

V61 q32

Paid school fees in past 12

months

discrete

numeric

In the PAST 12 MONTHS, have you, personally, made

regular payments for school fees?

V62 q33a

If paid school fees: in cash

discrete

numeric

In the PAST 12 MONTHS, have you, personally, made

payments for school fees in any of the following ways? You
made a payment using cash.

V63 q33b

If paid school fees: using an

account

discrete

numeric

In the PAST 12 MONTHS, have you, personally, made

payments for school fees in any of the following ways? You
made a payment directly from an account (for example,
using a debit card, a bank transfer, or a check).

V64 q33c

If paid school fees: through

a mobile phone

discrete

numeric

In the PAST 12 MONTHS, have you, personally, made

payments for school fees in any of the following ways? You
made a payment through a mobile phone.

V65 q34

Received wage payments in

past 12 months

discrete

numeric

Have you received any money from an employer or boss, in

the form of SALARY OR WAGES, for doing work in the PAST
12 MONTHS? Please do not consider any money you
received directly from clients or customers.

V66 q35

If received wage payments:

work in public sector

discrete

numeric

In the PAST 12 MONTHS, have you been employed by the

government, military, or public sector?

V67 q36a

If received wage payments:

in cash

discrete

numeric

In the PAST 12 MONTHS, has an employer or boss paid

your salary or wages in any of the following ways? You
received payments DIRECTLY in cash.

V68 q36bc

If received wage payments:

into an account or to a card

discrete

numeric

In the PAST 12 MONTHS, has an employer or boss paid

your salary or wages in any of the following ways? You
received payments DIRECTLY into an account at a bank or
another type of financial institution or to a card.

V69 q36d

If received wage payments:

through a mobile phone

discrete

numeric

In the PAST 12 MONTHS, has an employer or boss paid

your salary or wages in any of the following ways? You
received payments through a mobile phone.

V70 q37

If received cashless wage

payments: account use

discrete

numeric

After your payment from an employer is transferred into an

account, do you usually withdraw or transfer ALL OF THE
MONEY out of the account RIGHT AWAY, or do you
withdraw or transfer the money over time as you need it?

V71 q38

If received cashless wage

payments: account type

discrete

numeric

Which of the following statements best describes the

account that you use to receive payments from an
employer? (Read 1-3)

V72 q39

Received government
transfers in past 12 months

discrete

numeric

Have you, personally, RECEIVED any financial support from

the government in the PAST 12 MONTHS? This money
could include payments for educational or medical
expenses, unemployment benefits, subsidy payments, or
any kind of SOCIAL BENEFITS. Please do NOT include wages
or any payments related to work.

V73 q40a

If received government
transfers: in cash

discrete

numeric

In the PAST 12 MONTHS, have you received money from

the government in any of the following ways? You received
payments DIRECTLY in cash.

V74 q40bc

If received government
transfers: into an account
or to a card

discrete

numeric

In the PAST 12 MONTHS, have you received money from

the government in any of the following ways? You received
payments DIRECTLY in cash.

V75 q40d

If received government
transfers: through a mobile
phone

discrete

numeric

In the PAST 12 MONTHS, have you received money from

the government in any of the following ways? You received
payments through a mobile phone.

V76 q41

If received cashless
government transfers:
account use

discrete

numeric

After your payment from the government is transferred

into an account, do you usually withdraw or transfer ALL OF
THE MONEY out of the account RIGHT AWAY, or do you
withdraw or transfer the money over time as you need it?

V77 q42

If received cashless
government transfers:
account type

discrete

numeric

Which of the following statements best describes the

account that you use to receive payments from the
government? (Read 1-3)

14

Albania - Global Financial Inclusion (Global Findex) Database 2014

ID

Name

Label

Type

Format

Question

V78 q43

Received agricultural
payments in past 12
months

discrete

numeric

In the PAST 12 MONTHS, have you personally RECEIVED

money from any source for the sale of your or your family's
agricultural products, crops, produce, or livestock?

V79 q44a

If received agricultural
payments: in cash

discrete

numeric

In the PAST 12 MONTHS, have you received money for the

sale of your or your family's agricultural products, crops,
produce, or livestock in any of the following ways? You
received payments DIRECTLY in cash.

V80 q44b

If received agricultural
payments: into an account

discrete

numeric

In the PAST 12 MONTHS, have you received money for the

sale of your or your family's agricultural products, crops,
produce, or livestock in any of the following ways? You
received payments DIRECTLY into an account at a bank or
another type of formal financial institution.

V81 q44c

If received agricultural
payments: through a
mobile phone

discrete

numeric

In the PAST 12 MONTHS, have you received money for the

sale of your or your family's agricultural products, crops,
produce, or livestock in any of the following ways? You
received payments through a mobile phone.

V82 saved

Saved in the past year

discrete

numeric

Composite indicator

V83 borrowed

Borrowed in the past year

discrete

numeric

Composite indicator

15

Albania - Global Financial Inclusion (Global Findex) Database 2014

16

Albania - Global Financial Inclusion (Global Findex) Database 2014

Economy (economy)
File: micro_alb
Overview
Type: Discrete
Format: character
Width: 7

Valid cases: 999

Invalid: 0

Economy Code (economycode)

File: micro_alb
Overview
Type: Discrete
Format: character
Width: 3

Valid cases: 999

Invalid: 0

Gallup World Poll identifier (wpid_random)

File: micro_alb
Overview
Type: Continuous
Format: numeric
Width: 9
Decimals: 0
Range: 111173541-211067277

Valid cases: 999

Invalid: 0
Minimum: 111173541
Maximum: 211067277

Weight (wgt)
File: micro_alb
Overview
Type: Continuous
Format: numeric
Width: 17
Decimals: 0
Range: 0.304544668716767-2.52663157894255

Valid cases: 999

Invalid: 0
Minimum: 0.3
Maximum: 2.5

Interviewer instructions
Interviewer coded

Respondent is female (female)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-2

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 2

Interviewer instructions
Interviewer coded

17

Albania - Global Financial Inclusion (Global Findex) Database 2014

Respondent age (age)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 2
Decimals: 0
Range: 15-99

Valid cases: 999

Invalid: 0
Minimum: 15
Maximum: 90

Literal question
Please tell me your age

Respondent education level (educ)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-5

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 3

Literal question
What is your highest completed level of education?

Within-economy household income quintile (inc_q)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-5

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 5

Literal question
What is your total MONTHLY household income in [insert local currency], before taxes? Please include income from wages
and salaries, remittances from family members living elsewhere, farming, and all other sources.
Post question
[Indicators are constructed on information resulting from this question]

Has an account (account)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-3

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 2

Literal question
Composite indicator

18

Albania - Global Financial Inclusion (Global Findex) Database 2014

Has an account at a financial institution (account_fin)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-3

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 2

Literal question
Composite indicator

Has a debit card (q2)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 4

Literal question
(A/An [insert local terminology for ATM/debit card]) is a card connected to an account at a financial institution that allows
you to withdraw money, and the money is taken out of THAT ACCOUNT right away. Do you, personally, have (a/an [insert
local terminology for ATM/debit card])?

If has debit card: card in own name (q3)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 227

Invalid: 772
Minimum: 1
Maximum: 2

Literal question
Is this [insert local terminology for ATM/debit card] connected to an account with your name on it?
Interviewer instructions
Asked to those with a debit card.

If has debit card: used card in past 12 months (q4)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 227

Invalid: 772
Minimum: 1
Maximum: 2

Literal question
Have you, personally, used your [insert local terminology for ATM/debit card] to DIRECTLY make a purchase in the past 12
months?
Interviewer instructions
19

Albania - Global Financial Inclusion (Global Findex) Database 2014

If has debit card: used card in past 12 months (q4)

File: micro_alb
Asked to those with a debit card.

Has a credit card (q5)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 4

Literal question
A credit card is a card that allows you to BORROW money in order to make payments or buy things, and you can pay the
balance off later. Do you, personally, have a credit card?

If has credit card: used card in past 12 months (q6)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 60
Invalid: 939
Minimum: 1
Maximum: 2

Literal question
Have you used your credit card in the past 12 months?
Interviewer instructions
Asked to those with a credit card.

If does not have account: b/c too far away (q8a)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 659

Invalid: 340
Minimum: 1
Maximum: 4

Literal question
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because financial institutions are too far away.
Interviewer instructions
Asked to those without an account. Multiple responses for not having an account permitted.

If does not have account: b/c too expensive (q8b)

File: micro_alb
Overview
20

Albania - Global Financial Inclusion (Global Findex) Database 2014

If does not have account: b/c too expensive (q8b)

File: micro_alb
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 659

Invalid: 340
Minimum: 1
Maximum: 4

Literal question
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because financial services are too expensive.
Interviewer instructions
Asked to those without an account. Multiple responses for not having an account permitted.

If does not have account: b/c lack documentation (q8c)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 659

Invalid: 340
Minimum: 1
Maximum: 4

Literal question
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because you don't have the necessary documentation (identity card, wage slip,
etc.)
Interviewer instructions
Asked to those without an account. Multiple responses for not having an account permitted.

If does not have account: b/c lack trust (q8d)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 659

Invalid: 340
Minimum: 1
Maximum: 4

Literal question
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because you don't trust financial institutions.
Interviewer instructions
Asked to those without an account. Multiple responses for not having an account permitted.

If does not have account: b/c religious reasons (q8e)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 659

Invalid: 340
Minimum: 1
Maximum: 3

21

Albania - Global Financial Inclusion (Global Findex) Database 2014

If does not have account: b/c religious reasons (q8e)

File: micro_alb
Literal question
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because of religious reasons.
Interviewer instructions
Asked to those without an account. Multiple responses for not having an account permitted.

If does not have account: b/c lack of money (q8f)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 659

Invalid: 340
Minimum: 1
Maximum: 3

Literal question
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because you don't have enough money to use financial institutions.
Interviewer instructions
Asked to those without an account. Multiple responses for not having an account permitted.

If does not have account: b/c family member already has one (q8g)
File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 659

Invalid: 340
Minimum: 1
Maximum: 4

Literal question
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because someone else in the family already has an account.
Interviewer instructions
Asked to those without an account. Multiple responses for not having an account permitted.

If does not have account: b/c cannot get one (q8h)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 659

Invalid: 340
Minimum: 1
Maximum: 4

Literal question
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because you cannot get an account.
Interviewer instructions
Asked to those without an account. Multiple responses for not having an account permitted.
22

Albania - Global Financial Inclusion (Global Findex) Database 2014

If does not have account: b/c no need for financial services (q8i)
File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 659

Invalid: 340
Minimum: 1
Maximum: 4

Literal question
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or
another type of formal financial institution: Because you have no need for financial services at a formal institution.
Interviewer instructions
Asked to those without an account. Multiple responses for not having an account permitted.

If has account: any deposit into account in past 12 months (q9)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 340

Invalid: 659
Minimum: 1
Maximum: 3

Literal question
In the past 12 months, has money been DEPOSITED into your personal account(s)? This includes cash or electronic deposits,
or any time money is put into your account(s) by yourself, an employer, or another person or institution.
Interviewer instructions
Asked to those with an account.

If has any deposit into account: number of monthly deposits (q10)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-5

Valid cases: 199

Invalid: 800
Minimum: 1
Maximum: 5

Literal question
In a typical MONTH, about how many times is money DEPOSITED into your personal account(s): one or two times per month,
three or more times per month, or, in a typical month, is money NOT deposited into your account(s)? (Read 1-3)
Interviewer instructions
Asked to those with any deposit.

If has account: any withdrawal from account in past 12 months

(q11)
File: micro_alb
Overview

23

Albania - Global Financial Inclusion (Global Findex) Database 2014

If has account: any withdrawal from account in past 12 months

(q11)
File: micro_alb
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 340

Invalid: 659
Minimum: 1
Maximum: 4

Literal question
In the past 12 months, has money been TAKEN OUT of your personal account(s)? This includes cash withdrawals in person
or using your [insert local terminology for ATM/debit card], electronic payments or purchases, checks, or any other time
money is removed from your account(s) by yourself or another person or institution.
Interviewer instructions
Asked to those with an account.

If has any withdrawal from account: number of monthly

withdrawals (q12)
File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-5

Valid cases: 222

Invalid: 777
Minimum: 1
Maximum: 5

Literal question
In a typical MONTH, about how many times is money TAKEN OUT of your personal account(s): one or two times per month,
three or more times per month, or, in a typical month, is money NOT taken out of your account(s)? (Read 1-3)
Interviewer instructions
Asked to those with any withdrawal.

If has account: most frequent mode of cash withdrawal (q13)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-7

Valid cases: 340

Invalid: 659
Minimum: 1
Maximum: 7

Literal question
When you need to GET CASH FROM your account(s), how do you USUALLY get it? (Read 1-4)
Interviewer instructions
Asked to those with an account.

If has account: made a transaction using a mobile phone (q14)

File: micro_alb
Overview

24

Albania - Global Financial Inclusion (Global Findex) Database 2014

If has account: made a transaction using a mobile phone (q14)

File: micro_alb
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 340

Invalid: 659
Minimum: 1
Maximum: 4

Literal question
In the PAST 12 MONTHS, have you ever made a transaction with money FROM YOUR ACCOUNT at a bank or another type of
formal financial institution using a MOBILE PHONE? This can include using a MOBILE PHONE to make payments, buy things,
or to send or receive money.
Interviewer instructions
Asked to those with an account.

Made payments online using the Internet (q16)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 4

Literal question
In the PAST 12 MONTHS, have you, personally, made payments on bills or bought things online using the Internet?

Saved in past 12 months: for farm/business purposes (q17a)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 4

Literal question
In the PAST 12 MONTHS, have you, personally, saved or set aside any money for any of the following reasons? How about:
To start, operate, or grow a business or farm?

Saved in past 12 months: for old age (q17b)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 2

Literal question
In the PAST 12 MONTHS, have you, personally, saved or set aside any money for any of the following reasons? How about:
For old age?

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Albania - Global Financial Inclusion (Global Findex) Database 2014

Saved in past 12 months: for education or school fees (q17c)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you, personally, saved or set aside any money for any of the following reasons? How about:
For education or school fees?

Saved in past 12 months: using an account at a financial

institution (q18a)
File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 4

Literal question
In the PAST 12 MONTHS, have you, personally, saved or set aside any money by: Using an account at a bank or another
type of formal financial institution?

Saved in past 12 months: using an informal savings club (q18b)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you, personally, saved or set aside any money by: Using an informal savings club (like [insert
local example]), or a person outside the family?

Has loan from a financial institution for house, apartment, or land

(q20)
File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 4

Literal question

26

Albania - Global Financial Inclusion (Global Findex) Database 2014

Has loan from a financial institution for house, apartment, or land

(q20)
File: micro_alb
Do you, by yourself or together with someone else, currently have a loan you took out from a bank or another type of
formal financial institution to purchase a home, an apartment, or land?

Borrowed in past 12 months: from a financial institution (q21a)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 4

Literal question
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed any money from a bank, [insert all
financial institutions], or another type of formal financial institution? This does NOT include credit cards.

Borrowed in past 12 months: from a store (store credit) (q21b)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 2

Literal question
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed any money from a store by using
installment credit or buying on credit?

Borrowed in past 12 months: from family or friends (q21c)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 2

Literal question
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed any money from family, relatives,
or friends?

Borrowed in past 12 months: from another private lender (q21d)

File: micro_alb
Overview

27

Albania - Global Financial Inclusion (Global Findex) Database 2014

Borrowed in past 12 months: from another private lender (q21d)

File: micro_alb
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed any money from another private
lender (for example, a/an [insert country-specific examples of private lenders, i.e., loan shark, payday lender, or pawn
shop])?

Borrowed in past 12 months: for education or school fees (q22a)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 4

Literal question
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed money for education or school
fees?

Borrowed in past 12 months: for medical purposes (q22b)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed money for health or medical
purposes?

Borrowed in past 12 months: for farm/business purposes (q22c)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed money to start, operate, or grow a
business or farm?

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Albania - Global Financial Inclusion (Global Findex) Database 2014

Possibility of coming up with emergency funds (q24)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-6

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 5

Literal question
Now, imagine that you have an emergency and you need to pay [insert 1/20 of GNI per capita in local currency]. How
possible is it that you could come up with [insert 1/20 of GNI per capita in local currency] within the NEXT MONTH? Is it very
possible, somewhat possible, not very possible, or not at all possible? (Read 1-4)

If able to come up with emergency funds: main source (q25)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-8

Valid cases: 683

Invalid: 316
Minimum: 1
Maximum: 7

Literal question
What would be the MAIN source of money that you would use to come up with [insert 1/20 of GNI per capita in local
currency] within the NEXT MONTH? (Read 1-6)
Interviewer instructions
Asked to those that can come up with emergency funds.

Sent domestic remittances in past 12 months (q26)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 2

Literal question
Have you, personally, GIVEN or SENT any of your MONEY to a relative or friend living in a different area INSIDE (country
where survey takes place) in the PAST 12 MONTHS? This can be money you brought yourself or sent in some other way.

If sent domestic remittances: in cash (q27a)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 193

Invalid: 806
Minimum: 1
Maximum: 2

Literal question

29

Albania - Global Financial Inclusion (Global Findex) Database 2014

If sent domestic remittances: in cash (q27a)

File: micro_alb
In the PAST 12 MONTHS, have you, personally, GIVEN or SENT money to a relative or friend living in a different area inside
(country where survey takes place) in any of the following ways? You handed cash to this person or sent cash through
someone you know.
Interviewer instructions
Asked to those who sent domestic remittances. Multiple responses for the way remittances are sent are permitted.

If sent domestic remittances: through a financial institution (q27b)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 193

Invalid: 806
Minimum: 1
Maximum: 2

Literal question
In the PAST 12 MONTHS, have you, personally, GIVEN or SENT money to a relative or friend living in a different area inside
(country where survey takes place) in any of the following ways? You sent money through a bank or another type of formal
financial institution (for example, at a branch, at an ATM, or through direct deposit into an account).
Interviewer instructions
Asked to those who sent domestic remittances. Multiple responses for the way remittances are sent are permitted.

If sent domestic remittances: through a mobile phone (q27c)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 193

Invalid: 806
Minimum: 1
Maximum: 2

Literal question
In the PAST 12 MONTHS, have you, personally, GIVEN or SENT money to a relative or friend living in a different area inside
(country where survey takes place) in any of the following ways? You sent money through a mobile phone.
Interviewer instructions
Asked to those who sent domestic remittances. Multiple responses for the way remittances are sent are permitted.

If sent domestic remittances: through an MTO (q27d)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 193

Invalid: 806
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you, personally, GIVEN or SENT money to a relative or friend living in a different area inside
(country where survey takes place) in any of the following ways? You sent money through a money transfer service.
Interviewer instructions
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Albania - Global Financial Inclusion (Global Findex) Database 2014

If sent domestic remittances: through an MTO (q27d)

File: micro_alb
Asked to those who sent domestic remittances. Multiple responses for the way remittances are sent are permitted.

Received domestic remittances in past 12 months (q28)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 2

Literal question
Have you, personally, RECEIVED any MONEY from a relative or friend living in a different area INSIDE (country where survey
takes place) in the PAST 12 MONTHS, including any money you received in person?

If received domestic remittances: in cash (q29a)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 259

Invalid: 740
Minimum: 1
Maximum: 4

Literal question
In the PAST 12 MONTHS, have you, personally, RECEIVED money from a relative or friend living in a different area inside
(country where survey takes place) in any of the following ways? You were handed cash by this person or by someone you
know.
Interviewer instructions
Asked to those who received domestic remittances. Multiple responses for the way remittances are received are permitted.

If received domestic remittances: through a financial institution

(q29b)
File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 259

Invalid: 740
Minimum: 1
Maximum: 2

Literal question
In the PAST 12 MONTHS, have you, personally, RECEIVED money from a relative or friend living in a different area inside
(country where survey takes place) in any of the following ways? You received money through a bank or another type of
formal financial institution (for example, at a branch, at an ATM, or through direct deposit into an account).
Interviewer instructions
Asked to those who received domestic remittances. Multiple responses for the way remittances are received are permitted.

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Albania - Global Financial Inclusion (Global Findex) Database 2014

If received domestic remittances: through a mobile phone (q29c)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 259

Invalid: 740
Minimum: 1
Maximum: 2

Literal question
In the PAST 12 MONTHS, have you, personally, RECEIVED money from a relative or friend living in a different area inside
(country where survey takes place) in any of the following ways? You received money through a mobile phone.
Interviewer instructions
Asked to those who received domestic remittances. Multiple responses for the way remittances are received are permitted.

If received domestic remittances: through an MTO (q29d)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 259

Invalid: 740
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you, personally, RECEIVED money from a relative or friend living in a different area inside
(country where survey takes place) in any of the following ways? You received money through a money transfer service.
Interviewer instructions
Asked to those who received domestic remittances. Multiple responses for the way remittances are received are permitted.

Paid utility bills in past 12 months (q30)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you, personally, made regular payments for electricity, water, or trash collection?

If paid utility bills: in cash (q31a)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 757

Invalid: 242
Minimum: 1
Maximum: 3

Literal question

32

Albania - Global Financial Inclusion (Global Findex) Database 2014

If paid utility bills: in cash (q31a)

File: micro_alb
In the PAST 12 MONTHS, have you, personally, made payments for electricity, water, or trash collection in any of the
following ways? You made a payment using cash.
Interviewer instructions
Asked to those who paid utility bills. Multiple responses for the way utility bills are paid are permitted.

If paid utility bills: using an account (q31b)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 757

Invalid: 242
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you, personally, made payments for electricity, water, or trash collection in any of the
following ways? You made a payment directly from an account (for example, using (a/an [insert local terminology for
ATM/debit card]), a bank transfer, or a check).
Interviewer instructions
Asked to those who paid utility bills. Multiple responses for the way utility bills are paid are permitted.

If paid utility bills: through a mobile phone (q31c)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 757

Invalid: 242
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you, personally, made payments for electricity, water, or trash collection in any of the
following ways? You made a payment through a mobile phone.
Interviewer instructions
Asked to those who paid utility bills. Multiple responses for the way utility bills are paid are permitted.

Paid school fees in past 12 months (q32)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 4

Literal question
In the PAST 12 MONTHS, have you, personally, made regular payments for school fees?

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Albania - Global Financial Inclusion (Global Findex) Database 2014

If paid school fees: in cash (q33a)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 314

Invalid: 685
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you, personally, made payments for school fees in any of the following ways? You made a
payment using cash.
Interviewer instructions
Asked to those who paid school fees. Multiple responses for the way school fees are paid are permitted.

If paid school fees: using an account (q33b)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 314

Invalid: 685
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you, personally, made payments for school fees in any of the following ways? You made a
payment directly from an account (for example, using a debit card, a bank transfer, or a check).
Interviewer instructions
Asked to those who paid school fees. Multiple responses for the way school fees are paid are permitted.

If paid school fees: through a mobile phone (q33c)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 314

Invalid: 685
Minimum: 2
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you, personally, made payments for school fees in any of the following ways? You made a
payment through a mobile phone.
Interviewer instructions
Asked to those who paid school fees. Multiple responses for the way school fees are paid are permitted.

Received wage payments in past 12 months (q34)

File: micro_alb
Overview

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Albania - Global Financial Inclusion (Global Findex) Database 2014

Received wage payments in past 12 months (q34)

File: micro_alb
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 4

Literal question
Have you received any money from an employer or boss, in the form of SALARY OR WAGES, for doing work in the PAST 12
MONTHS? Please do not consider any money you received directly from clients or customers.

If received wage payments: work in public sector (q35)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 196

Invalid: 803
Minimum: 1
Maximum: 2

Literal question
In the PAST 12 MONTHS, have you been employed by the government, military, or public sector?
Interviewer instructions
Asked to those who received wage payments.

If received wage payments: in cash (q36a)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 196

Invalid: 803
Minimum: 1
Maximum: 2

Literal question
In the PAST 12 MONTHS, has an employer or boss paid your salary or wages in any of the following ways? You received
payments DIRECTLY in cash.
Interviewer instructions
Asked to those who received wage payments. Multiple responses for the way wage payments are received are permitted.

If received wage payments: into an account or to a card (q36bc)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-3

Valid cases: 196

Invalid: 803
Minimum: 1
Maximum: 2

Literal question
In the PAST 12 MONTHS, has an employer or boss paid your salary or wages in any of the following ways? You received
payments DIRECTLY into an account at a bank or another type of financial institution or to a card.

35

Albania - Global Financial Inclusion (Global Findex) Database 2014

If received wage payments: into an account or to a card (q36bc)

File: micro_alb
Interviewer instructions
Asked to those who received wage payments. Multiple responses for the way wage payments are received are permitted.

If received wage payments: through a mobile phone (q36d)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 196

Invalid: 803
Minimum: 2
Maximum: 2

Literal question
In the PAST 12 MONTHS, has an employer or boss paid your salary or wages in any of the following ways? You received
payments through a mobile phone.
Interviewer instructions
Asked to those who received wage payments. Multiple responses for the way wage payments are received are permitted.

If received cashless wage payments: account use (q37)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 111

Invalid: 888
Minimum: 1
Maximum: 4

Literal question
After your payment from an employer is transferred into an account, do you usually withdraw or transfer ALL OF THE
MONEY out of the account RIGHT AWAY, or do you withdraw or transfer the money over time as you need it?
Interviewer instructions
Asked to those who received cashless wage payments.

If received cashless wage payments: account type (q38)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-5

Valid cases: 111

Invalid: 888
Minimum: 1
Maximum: 5

Literal question
Which of the following statements best describes the account that you use to receive payments from an employer? (Read
1-3)
Interviewer instructions
Asked to those who received cashless wage payments.

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Albania - Global Financial Inclusion (Global Findex) Database 2014

Received government transfers in past 12 months (q39)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 3

Literal question
Have you, personally, RECEIVED any financial support from the government in the PAST 12 MONTHS? This money could
include payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of SOCIAL
BENEFITS. Please do NOT include wages or any payments related to work.

If received government transfers: in cash (q40a)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 71
Invalid: 928
Minimum: 1
Maximum: 2

Literal question
In the PAST 12 MONTHS, have you received money from the government in any of the following ways? You received
payments DIRECTLY in cash.
Interviewer instructions
Asked to those who received government transfers. Multiple responses for the way government transfers are received are
permitted.

If received government transfers: into an account or to a card

(q40bc)
File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-3

Valid cases: 71
Invalid: 928
Minimum: 1
Maximum: 2

Literal question
In the PAST 12 MONTHS, have you received money from the government in any of the following ways? You received
payments DIRECTLY in cash.
Interviewer instructions
Asked to those who received government transfers. Multiple responses for the way government transfers are received are
permitted.

If received government transfers: through a mobile phone (q40d)

File: micro_alb
Overview

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Albania - Global Financial Inclusion (Global Findex) Database 2014

If received government transfers: through a mobile phone (q40d)

File: micro_alb
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 71
Invalid: 928
Minimum: 2
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you received money from the government in any of the following ways? You received
payments through a mobile phone.
Interviewer instructions
Asked to those who received government transfers. Multiple responses for the way government transfers are received are
permitted.

If received cashless government transfers: account use (q41)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 35
Invalid: 964
Minimum: 1
Maximum: 3

Literal question
After your payment from the government is transferred into an account, do you usually withdraw or transfer ALL OF THE
MONEY out of the account RIGHT AWAY, or do you withdraw or transfer the money over time as you need it?
Interviewer instructions
Asked to those who received cashless government transfers.

If received cashless government transfers: account type (q42)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-5

Valid cases: 35
Invalid: 964
Minimum: 1
Maximum: 4

Literal question
Which of the following statements best describes the account that you use to receive payments from the government?
(Read 1-3)
Interviewer instructions
Asked to those who received cashless government transfers.

Received agricultural payments in past 12 months (q43)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 4

38

Albania - Global Financial Inclusion (Global Findex) Database 2014

Received agricultural payments in past 12 months (q43)

File: micro_alb
Literal question
In the PAST 12 MONTHS, have you personally RECEIVED money from any source for the sale of your or your family's
agricultural products, crops, produce, or livestock?

If received agricultural payments: in cash (q44a)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 122

Invalid: 877
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you received money for the sale of your or your family's agricultural products, crops,
produce, or livestock in any of the following ways? You received payments DIRECTLY in cash.
Interviewer instructions
Asked to those who received agricultural payments. Multiple responses for the way agricultural payments are received are
permitted.

If received agricultural payments: into an account (q44b)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 122

Invalid: 877
Minimum: 1
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you received money for the sale of your or your family's agricultural products, crops,
produce, or livestock in any of the following ways? You received payments DIRECTLY into an account at a bank or another
type of formal financial institution.
Interviewer instructions
Asked to those who received agricultural payments. Multiple responses for the way agricultural payments are received are
permitted.

If received agricultural payments: through a mobile phone (q44c)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-4

Valid cases: 122

Invalid: 877
Minimum: 2
Maximum: 3

Literal question
In the PAST 12 MONTHS, have you received money for the sale of your or your family's agricultural products, crops,
produce, or livestock in any of the following ways? You received payments through a mobile phone.
Interviewer instructions

39

Albania - Global Financial Inclusion (Global Findex) Database 2014

If received agricultural payments: through a mobile phone (q44c)

File: micro_alb
Asked to those who received agricultural payments. Multiple responses for the way agricultural payments are received are
permitted.

Saved in the past year (saved)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-3

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 2

Literal question
Composite indicator

Borrowed in the past year (borrowed)

File: micro_alb
Overview
Type: Discrete
Format: numeric
Width: 1
Decimals: 0
Range: 1-3

Valid cases: 999

Invalid: 0
Minimum: 1
Maximum: 2

Literal question
Composite indicator

40

Albania - Global Financial Inclusion (Global Findex) Database 2014

Related Materials
Questionnaires
The Global Findex Questionnaire
Title

The Global Findex Questionnaire

Date

2014-01-01

Country

World

Language

English

Contributor(s) The World Bank Group Bill & Melinda Gates Foundation
Filename

http://www.worldbank.org/en/programs/globalfindex/methodology#2

Reports
The Global Findex Database 2014: Measuring Financial Inclusion around the
World
Title

The Global Findex Database 2014: Measuring Financial Inclusion around the World

Author(s) Asli Demirguc-Kunt Leora Klapper Dorothe Singer Peter Van Oudheusden
Date

2015-04-01

Language English
Filename The0Global0Fin0ion0around0the0world.pdf

Technical documents
2014 Global Findex Methodology
Title

2014 Global Findex Methodology

Date

2014-01-01

Language English
Filename http://www.worldbank.org/content/dam/Worldbank/Research/GlobalFindex/PDF/Methodology.pdf

Indicator Definitions
Title

Indicator Definitions

Language

English

Description This document describes the composite indicators included in the report.
Filename

indicator_definitions.pdf

Other materials
Micro14_indicators.do
Title

Micro14_indicators.do

Language

English
41

Albania - Global Financial Inclusion (Global Findex) Database 2014

Description This is a STATA do-file that can be used to create additional variables used in the report.
Filename

micro14_indicators.do

42