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FinScope 2024, Financial Inclusion in Rwanda

Rwanda
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RWA-NISR-FINSCOPE-2024-v01
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Access to Finance Rwanda
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Created on
Jul 09, 2025
Last modified
Jul 09, 2025
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Data file: Microdata

Cases: 13994
Variables: 2500

Variables

i2_2
i2. Serious illness of a household member
i2_3
i2. Death of a relative/household member
i2_4
i2. Theft of household property
i2_5
i2. Theft of business stock/goods
i2_6
i2. Theft of agricultural crop/livestock
i2_7
i2. Loss of household goods due to fire/flood/storm
i2_8
i2. Agricultural crop/livestock destroyed by fire/ flood/storm
i2_9
i2. Loss of an asset/dwelling/land
i2_10
i2. Failure of business
i2_11
i2. Disability due to accident/illness
i2_12
i2. Maintenance of farming/business equipment/tools
i2_13
i2. Recession/bad economy
i2_14
i2. Price increases
i2_15
i2. Have not experienced such events
i2_16
i2. Other, specify
i2b
I2b. Which one of those you mentioned had the greatest impact on your household?
i2c
I2c. What did you or your household do when you experience this event (Insert ev
i2d
I2d. To what extent do you agree or disagree that [device mentioned in II1c] hel
i2e
I2e. How long did it take to get the payment?
i3
Are you aware of the following insurance products?
i3_1
Are you aware of: Medical insurance
i3_2
Are you aware of: Life insurance
i3_3
Are you aware of: Micro insurance products/inclusive products
i3_4
Are you aware of: Third party insurance
i4a
I4a. Do you have micro-insurance product/inclusive products?
i4b
I4b. What type of micro-insurance do you have?
i4b_1
i4b. Crops insurance
i4b_2
i4b. Livestock insurance
i4b_3
i4b. Agriculture Weather Index Cover
i4b_4
i4b. Other agriculture insurance
i4b_5
i4b. Life insurance
i4b_6
i4b. Short- and Long-Term Saving
i4b_7
i4b. Personal accident microinsuranse
i4b_8
i4b. Credit life
i4b_9
i4b. Public liability insurance
i4b_10
i4b. Other, specify
i4c
I4c. Now that you aware of micro-insurance, would you be interested in micro ins
i4d
I4d. What type of micro insurance would you consider?
i4d_1
i4d. Crops insurance
i4d_2
i4d. Livestock insurance
i4d_3
i4d. Agriculture Weather Index Cover
i4d_4
i4d. Other agriculture insurance
i4d_5
i4d. Life insurance
i4d_6
i4d. Short- and Long-Term Saving
i4d_7
i4d. Personal accident microinsuranse
i4d_8
i4d. Credit life
i4d_9
i4d. Public liability insurance
i4d_10
i4d. Other, specify
i5a
Please tell me which of the following do you have?
i5a_1
i5a_1. Do you have: Medical insurance (including RAMA, MMI, Mediplan,)
i5a_2
i5a_2. Do you have: Hospital Cash (e.g., Turikumwe)
i5a_3
i5a_3. Do you have: Mutuelle de Sante (MUSA/CBHI)
i5b_1
i5b_1. Are you covered by someone: Medical insurance (including RAMA, MMI, Medip
i5b_2
i5b_2. Are you covered by someone: Hospital Cash (e.g., Turikumwe)
i5b_3
i5b_3. Are you covered by someone: Mutuelle de Sante (MUSA/CBHI)
i6
Do you have any of the following insurance products?
i6_01
i6_01. Insurance product - Motor
i6_02
i6_02. Insurance product - Education
i6_03
i6_03. Insurance product - Household
i6_04
i6_04. Insurance product - Life
i6_05
i6_05. Insurance product - Credit life (insurance linked to a loan)
i6_06
i6_06. Insurance product - Legal aid
i6_07
i6_07. Insurance product - Business
i6_08
i6_08. Insurance product - Property
i6_09
i6_09. Insurance product - Accident
i6_10
i6_10. Insurance product - Saving with risk
i6_11
i6_11. Insurance product - Home
i6_12
i6_12. Insurance product - Agriculture (crop and livestock)
i6_13
i6_13. Insurance product - Rwanda Social Security Board (CSR/RSSB) -Public pensi
i6_14
i6_14. Insurance product - Private pension
i6_15
i6_15. Insurance product - Ejo heza
i6_16
i6_16. Insurance product - Other
i7
I7. There are different reasons for people not having insurance. What is the mai
i8
I8. If you would like to know more about insurance, what are your preferred ways
i8_1
i8. Radio
i8_2
i8. TV
i8_3
i8. Verbal and direct communication from insurance
i8_4
i8. Through a village agents or community group
i8_5
i8. From the local government
i8_6
i8. From business partners (such fertilizer shops, etc)
i8_7
i8. Digital channels (social media, msg, email)
i8_8
i8. Other (Specify)
i9a
I9a. Do you have a partner, family member or close friend who could provide you
i9b
I9b. Would you ask for financial support from your social network should the nee
i10
Please tell me whether you agree or disagree with the statement below?
i10_1
i10_1. You understand how insurance works-When thinking about insurance policies
i10_2
i10_2. The premiums for your policy are affordable-When thinking about insurance
i10_3
i10_3. The information provided to you by your insurer is clear and it is provid
i10_4
i10_4. Changes in premiums or terms of conditions are clearly communicated to yo
i10_5
i10_5. Information on how and where to lodge a complaint was clearly explained t
i10_6
i10_6. Can easily access your insurer when making a claim-When thinking about in
i10_7
i10_7. Insurer treats you fairly when reviewing your claim application-When thin
i10_8
i10_8. It is easier to find insurance services-When thinking about insurance pol
i10_9
i10_9. The turn around time of insurance services is satisfactoty-When thinking
cc1
In the lst year, did you experience any climate change related problem such as..
cc1_1
cc1_1. climate change: Heavy rain and floods
cc1_2
cc1_2. climate change: Storm
cc1_3
cc1_3. climate change: Drought/ water scarcity
cc1_4
cc1_4. climate change: Extreme heat/heatwaves
cc1_5
cc1_5. climate change: Bush burning/wildfires
cc1_6
cc1_6. climate change: Pest infestation
cc1_7
cc1_7. climate change: Erosion
cc1_8
cc1_8. climate change: Other
cc2
cc2. Do you face repeated damages and expenses from....?
cc2_1
cc2_1. Repeated damages/expenses from: Heavy rain and floods
cc2_2
cc2_2. Repeated damages/expenses from: Storm
cc2_3
cc2_3. Repeated damages/expenses from: Drought/ water scarcity
cc2_4
cc2_4. Repeated damages/expenses from: Extreme heat/heatwaves
cc2_5
cc2_5. Repeated damages/expenses from: Bush burning/wildfires
cc2_6
cc2_6. Repeated damages/expenses from: Pest infestation
cc2_7
cc2_7. Repeated damages/expenses from: Erosion
cc2_8
cc2_8. Repeated damages/expenses from: Other
cc3
cc3- Did you put plans or measures in place to cope with problem from...?
cc3_1
cc3_1. Put plans or measures: Heavy rain and floods
cc3_2
cc3_2. Put plans or measures: Storm
cc3_3
cc3_3. Put plans or measures: Drought/ water scarcity
cc3_4
cc3_4. Put plans or measures: Extreme heat/heatwaves
cc3_5
cc3_5. Put plans or measures: Bush burning/wildfires
cc3_6
cc3_6. Put plans or measures: Pest infestation
cc3_7
cc3_7. Put plans or measures: Erosion
cc3_8
cc3_8. Put plans or measures: Other
cc4
cc4. Approximately,how much money did it cost you to put the plans in place to
cc4_1
cc4_1. How much money did it cost you: Heavy rain and floods
cc4_2
cc4_2. How much money did it cost you: Storm
cc4_3
cc4_3. How much money did it cost you: Drought/ water scarcity
cc4_4
cc4_4. How much money did it cost you: Extreme heat/heatwaves
cc4_5
cc4_5. How much money did it cost you: Bush burning/wildfires
cc4_6
cc4_6. How much money did it cost you: Pest infestation
cc4_7
cc4_7. How much money did it cost you: Erosion
cc4_8
cc4_8. How much money did it cost you: Other
cc5_1
CC5. How did you raise the money to pay for the plans or measures you put in pla
cc5_1_1
cc5_1_1. Heavy rain and floods: Sold assets/something I own to get money
cc5_1_2
cc5_1_2. Heavy rain and floods:Sold livestock to get money
cc5_1_3
cc5_1_3. Heavy rain and floods:Borrowed money from friends or family
cc5_1_4
cc5_1_4. Heavy rain and floods:Borrowed money from employer
cc5_1_5
cc5_1_5. Heavy rain and floods:Borrowed money from bank
cc5_1_6
cc5_1_6. Heavy rain and floods:Borrowed money from other sources
cc5_1_7
cc5_1_7. Heavy rain and floods:Used own savings from formal institutions such as
cc5_1_8
cc5_1_8. Heavy rain and floods:Used own savings from informal groups such as a s
cc5_1_9
cc5_1_9. Heavy rain and floods:Claimed from an insurance policy
cc5_1_10
cc5_1_10. Heavy rain and floods:Cut down on expenses
cc5_1_11
cc5_1_11. Heavy rain and floods:Received donations
cc5_1_12
cc5_1_12. Heavy rain and floods:Received government assistance
cc5_1_13
cc5_1_13. Heavy rain and floods:Worked for additional income
cc5_1_14
cc5_1_14. Heavy rain and floods:Other
cc5_2
CC5. How did you raise the money to pay for the plans or measures you put in pla
cc5_2_1
cc5_2_1. Storm: Sold assets/something I own to get money
cc5_2_2
cc5_2_2. Storm:Sold livestock to get money
cc5_2_3
cc5_2_3. Storm:Borrowed money from friends or family
cc5_2_4
cc5_2_4. Storm:Borrowed money from employer
cc5_2_5
cc5_2_5. Storm:Borrowed money from bank
cc5_2_6
cc5_2_6. Storm:Borrowed money from other sources
cc5_2_7
cc5_2_7. Storm:Used own savings from formal institutions such as a bank
cc5_2_8
cc5_2_8. Storm:Used own savings from informal groups such as a saving groups/sto
cc5_2_9
cc5_2_9. Storm:Claimed from an insurance policy
cc5_2_10
cc5_2_10. Storm:Cut down on expenses
cc5_2_11
cc5_2_11. Storm:Received donations
cc5_2_12
cc5_2_12. Storm:Received government assistance
cc5_2_13
cc5_2_13. Storm:Worked for additional income
cc5_2_14
cc5_2_14. Storm:Other
cc5_3
CC5. How did you raise the money to pay for the plans or measures you put in pla
cc5_3_1
cc5_3_1. Drought/ water scarcity: Sold assets/something I own to get money
cc5_3_2
cc5_3_2. Drought/ water scarcity:Sold livestock to get money
cc5_3_3
cc5_3_3. Drought/ water scarcity:Borrowed money from friends or family
cc5_3_4
cc5_3_4. Drought/ water scarcity:Borrowed money from employer
cc5_3_5
cc5_3_5. Drought/ water scarcity:Borrowed money from bank
cc5_3_6
cc5_3_6. Drought/ water scarcity:Borrowed money from other sources
cc5_3_7
cc5_3_7. Drought/ water scarcity:Used own savings from formal institutions such
cc5_3_8
cc5_3_8. Drought/ water scarcity:Used own savings from informal groups such as a
cc5_3_9
cc5_3_9. Drought/ water scarcity:Claimed from an insurance policy
cc5_3_10
cc5_3_10. Drought/ water scarcity:Cut down on expenses
cc5_3_11
cc5_3_11. Drought/ water scarcity:Received donations
cc5_3_12
cc5_3_12. Drought/ water scarcity:Received government assistance
cc5_3_13
cc5_3_13. Drought/ water scarcity:Worked for additional income
cc5_3_14
cc5_3_14. Drought/ water scarcity:Other
cc5_4
CC5. How did you raise the money to pay for the plans or measures you put in pla
cc5_4_1
cc5_4_1. Extreme heat/heatwaves: Sold assets/something I own to get money
cc5_4_2
cc5_4_2. Extreme heat/heatwaves:Sold livestock to get money
cc5_4_3
cc5_4_3. Extreme heat/heatwaves:Borrowed money from friends or family
cc5_4_4
cc5_4_4. Extreme heat/heatwaves:Borrowed money from employer
cc5_4_5
cc5_4_5. Extreme heat/heatwaves:Borrowed money from bank
cc5_4_6
cc5_4_6. Extreme heat/heatwaves:Borrowed money from other sources
cc5_4_7
cc5_4_7. Extreme heat/heatwaves:Used own savings from formal institutions such a
cc5_4_8
cc5_4_8. Extreme heat/heatwaves:Used own savings from informal groups such as a
cc5_4_9
cc5_4_9. Extreme heat/heatwaves:Claimed from an insurance policy
cc5_4_10
cc5_4_10. Extreme heat/heatwaves:Cut down on expenses
cc5_4_11
cc5_4_11. Extreme heat/heatwaves:Received donations
cc5_4_12
cc5_4_12. Extreme heat/heatwaves:Received government assistance
cc5_4_13
cc5_4_13. Extreme heat/heatwaves:Worked for additional income
cc5_4_14
cc5_4_14. Extreme heat/heatwaves:Other
cc5_5
CC5. How did you raise the money to pay for the plans or measures you put in pla
cc5_5_1
cc5_5_1. Bush burning/wildfires: Sold assets/something I own to get money
cc5_5_2
cc5_5_2. Bush burning/wildfires:Sold livestock to get money
cc5_5_3
cc5_5_3. Bush burning/wildfires:Borrowed money from friends or family
cc5_5_4
cc5_5_4. Bush burning/wildfires:Borrowed money from employer
cc5_5_5
cc5_5_5. Bush burning/wildfires:Borrowed money from bank
cc5_5_6
cc5_5_6. Bush burning/wildfires:Borrowed money from other sources
cc5_5_7
cc5_5_7. Bush burning/wildfires:Used own savings from formal institutions such a
cc5_5_8
cc5_5_8. Bush burning/wildfires:Used own savings from informal groups such as a
cc5_5_9
cc5_5_9. Bush burning/wildfires:Claimed from an insurance policy
cc5_5_10
cc5_5_10. Bush burning/wildfires:Cut down on expenses
cc5_5_11
cc5_5_11. Bush burning/wildfires:Received donations
cc5_5_12
cc5_5_12. Bush burning/wildfires:Received government assistance
cc5_5_13
cc5_5_13. Bush burning/wildfires:Worked for additional income
cc5_5_14
cc5_5_14. Bush burning/wildfires:Other
cc5_6
CC5. How did you raise the money to pay for the plans or measures you put in pla
cc5_6_1
cc5_6_1. Pest infestation: Sold assets/something I own to get money
cc5_6_2
cc5_6_2. Pest infestation:Sold livestock to get money
cc5_6_3
cc5_6_3. Pest infestation:Borrowed money from friends or family
cc5_6_4
cc5_6_4. Pest infestation:Borrowed money from employer
cc5_6_5
cc5_6_5. Pest infestation:Borrowed money from bank
cc5_6_6
cc5_6_6. Pest infestation:Borrowed money from other sources
cc5_6_7
cc5_6_7. Pest infestation:Used own savings from formal institutions such as a ba
cc5_6_8
cc5_6_8. Pest infestation:Used own savings from informal groups such as a saving
cc5_6_9
cc5_6_9. Pest infestation:Claimed from an insurance policy
cc5_6_10
cc5_6_10. Pest infestation:Cut down on expenses
cc5_6_11
cc5_6_11. Pest infestation:Received donations
cc5_6_12
cc5_6_12. Pest infestation:Received government assistance
cc5_6_13
cc5_6_13. Pest infestation:Worked for additional income
cc5_6_14
cc5_6_14. Pest infestation:Other
cc5_7
CC5. How did you raise the money to pay for the plans or measures you put in pla
cc5_7_1
cc5_7_1. Erosion: Sold assets/something I own to get money
cc5_7_2
cc5_7_2. Erosion:Sold livestock to get money
cc5_7_3
cc5_7_3. Erosion:Borrowed money from friends or family
cc5_7_4
cc5_7_4. Erosion:Borrowed money from employer
cc5_7_5
cc5_7_5. Erosion:Borrowed money from bank
cc5_7_6
cc5_7_6. Erosion:Borrowed money from other sources
cc5_7_7
cc5_7_7. Erosion:Used own savings from formal institutions such as a bank
cc5_7_8
cc5_7_8. Erosion:Used own savings from informal groups such as a saving groups/s
cc5_7_9
cc5_7_9. Erosion:Claimed from an insurance policy
cc5_7_10
cc5_7_10. Erosion:Cut down on expenses
cc5_7_11
cc5_7_11. Erosion:Received donations
cc5_7_12
cc5_7_12. Erosion:Received government assistance
cc5_7_13
cc5_7_13. Erosion:Worked for additional income
cc5_7_14
cc5_7_14. Erosion:Other
cc5_8
CC5. How did you raise the money to pay for the plans or measures you put in pla
cc5_8_1
cc5_8_1. Other: Sold assets/something I own to get money
cc5_8_2
cc5_8_2. Other:Sold livestock to get money
cc5_8_3
cc5_8_3. Other:Borrowed money from friends or family
cc5_8_4
cc5_8_4. Other:Borrowed money from employer
cc5_8_5
cc5_8_5. Other:Borrowed money from bank
cc5_8_6
cc5_8_6. Other:Borrowed money from other sources
cc5_8_7
cc5_8_7. Other:Used own savings from formal institutions such as a bank
cc5_8_8
cc5_8_8. Other:Used own savings from informal groups such as a saving groups/sto
cc5_8_9
cc5_8_9. Other:Claimed from an insurance policy
cc5_8_10
cc5_8_10. Other:Cut down on expenses
cc5_8_11
cc5_8_11. Other:Received donations
cc5_8_12
cc5_8_12. Other:Received government assistance
cc5_8_13
cc5_8_13. Other:Worked for additional income
cc5_8_14
cc5_8_14. Other:Other
cc6
CC6. How long did it take you or your household to recover?
cc7
CC7. Should you experience any climate change related problem tomorrow, how will
cc7_1
Sell my assets/something I own to get money
cc7_2
Sell livestock to get money
cc7_3
Borrow money from friends or family
cc7_4
Borrow money from employer
cc7_5
Borrow money from bank
cc7_6
Borrow money from other sources
cc7_7
Use own savings from formal institutions such as a bank
cc7_8
Use own savings from informal groups
cc7_9
Claim from an insurance policy
cc7_10
Cut down on expenses
cc7_11
Ask for donations
cc7_12
Claim from Workman's compensation
cc7_13
Seek government assistance
cc7_14
Work for additional income
cc7_15
I will cross the bridge when it happens
cc7_99
Don't Know
cc7_98
Other (Specify)
j1a
J1a. In the past 6 months, have you sent money to someone within the country?
j1b
J1b. In the past 6 months, have you sent money to someone outside the country
j1c
J1c. Thinking back to the last time you sent money outside Rwanda, which country
j1c_1
j1c_1. Belgium
j1c_2
j1c_2. Burundi
j1c_3
j1c_3. Canada
j1c_4
j1c_4. China
j1c_5
j1c_5. DRC
j1c_6
j1c_6. France
j1c_7
j1c_7. Kenya
j1c_8
j1c_8. Nigeria
j1c_9
j1c_9. South Africa
j1c_10
j1c_10. Tanzania
j1c_11
j1c_11. UAE
j1c_12
j1c_12. Uganda
j1c_13
j1c_13. United Kingdom
j1c_14
j1c_14. USA (United States of America)
j1c_15
j1c_15. Other specify
j2a1
J2a1. Who did you send money to in the past 6 months?
j2a1_1
j2a1_1. Spouse
j2a1_2
j2a1_2. Child
j2a1_3
j2a1_3. Parent
j2a1_4
j2a1_4. Other family member
j2a1_5
j2a1_5. Friend
j2a1_6
j2a1_6. Supplier/Business
j2a1_7
j2a1_7. Someone you borrowed from
j2a1_8
j2a1_8. School, college or university
j2a1_9
j2a1_9. Other specify
j2a
J2a. Where did you send most of the money to?
j2a_1
j2a_1. Rural
j2a_2
j2a_2. Urban
Total: 2500
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