FinScope 2024, Financial Inclusion in Rwanda

Rwanda

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Reference ID

RWA-NISR-FINSCOPE-2024-v01

Producer(s)

Access to Finance Rwanda

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Created on

Jul 09, 2025

Last modified

Jul 09, 2025

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304888

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Data file: Microdata

Cases:	13994
Variables:	2500

Variables

j2b

J2b. How often do you send money to people who who do not live with you?

j2c

J2c. How do you mostly send the money?

j2d

J2d. How much did you send the last time you sent?

j3a

J3a. In the past 6 months, have you received money from someone in a different p

j3b

J3b. In the past 6 months, have you received money from someone outside the coun

j3c

J3c. Thinking back to the last time you received money, which country did you re

j3c_1

j3c_2

j3c_3

j3c_4

j3c_5

j3c_6

j3c_7

j3c_8

j3c_9

j3c_9. South Africa

j3c_10

j3c_10. Tanzania

j3c_11

j3c_12

j3c_12. Other specify

j3c_other_specify

J3c. Other, specify

j4a

J4a. From whom did you receive money in the past 6 months?

j4a_1

j4a_2

j4a_3

j4a_4

j4a_4. Other family member

j4a_5

j4a_6

j4a_6. Customer

j4a_7

j4a_7. Someone you lent money to

j4a_8

j4a_8. Other specify

j4b

J4b. Where did you receive most of the money from?

j4b_1

j4b_2

j4c

J4c. How often do you receive money?

j4d

J4d. How do you mostly receive the money?

j4e

J4e. What did you use most of the money that was last sent you for?

j4e_other_specify

J4e. Other, specify

k1

K1. you have a bank account in your name?

k2

K2. Does anyone in the household have a bank account?

k3

K3. Do you use someone else?s bank account

k4

K4. At which bank?

k4_1

k4_1. Access bank Rwanda

k4_2

k4_2. Bank of Kigali

k4_3

k4_3. Banque de l?Habitat du Rwanda

k4_4

k4_4. BPR Bank Rwanda Plc

k4_5

k4_5. Commercial Bank of Rwanda

k4_6

k4_6. Compagnie GÃ©nÃ©rale de Banque

k4_7

k4_8

k4_8. Equity Bank

k4_9

k4_9. Fina Bank

k4_10

k4_10. I&M Bank Rwanda

k4_11

k4_11. Kenya Commercial Bank

k4_12

k4_12. National Bank of Rwanda

k4_13

k4_13. Rwanda Development Bank

k4_14

k4_14. Urwego Opportunity Bank (UOB)

k4_15

k4_15. Other, specify

k5

K5. How many bank accounts held with different banks do you have in your own nam

k6

K6. How often do you use this account?

k7

K7. Do you withdraw all your money as soon it is deposited by someone or your em

k8a

K8a. What are the main reasons why you do not use your transaction account, more

k8a_1

k8a_1. Using my account / card is too expensive

k8a_2

k8a_2. Using my account / card is too complicated

k8a_3

k8a_3. My account / card doesn?t have the features that I want

k8a_4

k8a_4. The places where I typically shop don?t accept card payments

k8a_5

k8a_5. I prefer to transact in cash

k8a_6

k8a_6. I don?t trust my bank

k8a_7

k8a_7. I do not have enough money to use the account frequently

k8a_8

k8a_8. To avoid debit/stop orders

k8a_9

k8a_9. Avoid illegal debit orders or fraud

k8a_10

k8a_10. There are no disability friendly services/channels

k8a_11

k8a_11. Do not have skills to use the account

k8a_12

k8a_12. Distance from where I stay and the banking facilities

k8a_13

k8a_13. Other (specify)

k8a_other_specify

K8a. Other, specify

k8b

K8b. Why do you withdraw all your money as soon as it is deposited into the bank

k8b_1

k8b_1. Using my account / card is too expensive

k8b_2

k8b_2. Using my account / card is too complicated

k8b_3

k8b_3. My account / card doesn?t have the features that I want

k8b_4

k8b_4. The places where I typically shop don?t accept card payments

k8b_5

k8b_5. I prefer to transact in cash

k8b_6

k8b_6. I don?t trust my bank

k8b_7

k8b_7. I do not have enough money to use the account frequently

k8b_8

k8b_8. To avoid debit/stop orders

k8b_9

k8b_9. Avoid illegal debit orders or fraud

k8b_10

k8b_10. There are no disability friendly services/channels

k8b_11

k8b_11. Do not have skills to use the account

k8b_12

k8b_12. Distance from where I stay and the banking facilities

k8b_13

k8b_13. Other (specify)

k8b_other_specify

K8b. Other, specify

k9

K9. Thinking about your satisfaction with your main account, what features matte

k9_1

k9_1. The amount of total monthly fees and charges

k9_2

k9_2. Interest rate on savings

k9_3

k9_3. The fees for specific transactions (for example, ATM withdrawals or deposi

k9_4

k9_4. Convenient access to ATMs

k9_5

k9_5. Convenient access to bank branches

k9_6

k9_6. Convenient access to internet banking

k9_7

k9_7. Convenient access to mobile banking

k9_8

k9_8. User-friendly mobile apps or internet banking platforms

k9_9

k9_9. The quality of customer service in bank branches

k9_10

k9_10. Loyalty program

k9_11

k9_11. Convenience of having an account at the bank I typically use

k9_12

k9_12. Other (specify)

k9_other_specify

K9. Other, specify

k10

K10. Does your bank account help you manage your money better?

k11

k11. please indicate to what extent you agree with the following statements?

k11_01

k11_01. When you opened your account, you were given all the key details about t

k11_02

k11_02. When you opened your account, bank staff showed you different options an

k11_03

k11_03. When you opened your account, you went to the branch and already knew wh

k11_04

k11_04. If you had to open another account today, you would choose the same acco

k11_05

k11_05. You would recommend your account to your friends and family

k11_06

k11_06. The account you have is good value for money

k11_07

k11_07. The fees and charges in my account are transparent, or at least easy to

k11_08

k11_08. If you need financial advice, you can count on bank staff to give you ac

k11_09

k11_09. Bank fees or charges are affordable

k11_10

k11_10. Too much downtime on the bank platform

k11_11

k11_11. You are satisfied with your bank's customer support

k11_12

k11_12.Whenever you visit a bank branch, you are always served on time

k12

K12. Have you seriously considered opening an account with a new bank in the pas

k13

K13.Have you opened an account with a new bank in the past year or changed your

k14

K14. Why did you open an account with a new bank?

k14_1

k14_1. I saw an advertisement for an account that I preferred

k14_2

k14_2. Recommendation from friend or family

k14_3

k14_3. I was not satisfied with my previous account

k14_4

k14_4. The account at the new bank is better for me than my previous account

k14_5

k14_5. The fees are lower than at my previous bank

k14_6

k14_6. My salary or other payment is deposited using the new bank

k14_7

k14_7. Other (specify)

k15

k15.For each product that i read out,please tell me whether you have?

k15_01

k15_01. You have-Bank ATM card/Debit card

k15_02

k15_02. You have-Cheque

k15_03

k15_03. You have-Credit card

k15_04

k15_04. You have-Current account

k15_05

k15_05. You have-Fixed deposit account

k15_06

k15_06. You have-Savings account

k15_07

k15_07. You have-Mortgage

k15_08

k15_08. You have-Overdraft

k15_09

k15_09. You have-Loans

k15_10

k15_10. You have-Mobile money (e-wallet/push and pull)

k15_11

k15_11. You have-Mobile payment (USSD codes, e.g. *182*â€¦)

k15_12

k15_12. You have-Internet banking

k15_13

k15_13. You have-Mobile banking

k15_14

k15_14. You have-Banking App

k16a

k16a.How often do you usually do the following banking activities?

k16a_01

k16a_01. Cash a cheque: How often

k16a_02

k16a_02. Deposit cash into a bank account: How often

k16a_03

k16a_03. Deposit a cheque into a bank account: How often

k16a_04

k16a_04. Cash withdrawal from a bank account: How often

k16a_05

k16a_05. Pay people/bills using a cheque: How often

k16a_06

k16a_06. Money transfers between your own bank accounts: How often

k16a_07

k16a_07. Money transfer to another person's bank account: How often

k16a_08

k16a_08. Received money from someone into a bank account: How often

k16a_09

k16a_09. Get a bank statement: How often

k16a_10

k16a_10. Buy airtime: How often

k16a_11

k16a_11. Buy groceries using my bank/debit card/POS: How often

k16a_12

k16a_12. None: How often

k16a_13

k16a_13. Other: How often

k16b

Which method do you use to...?

k16b_01

k16b_01. Cash a cheque: Method use

k16b_02

k16b_02. Deposit cash into a bank account: Method use

k16b_03

k16b_03. Deposit a cheque into a bank account: Method use

k16b_04

k16b_04. Cash withdrawal from a bank account: Method use

k16b_05

k16b_05. Pay people/bills using a cheque: Method use

k16b_06

k16b_06. Money transfers between your own bank accounts: Method use

k16b_07

k16b_07. Money transfer to another person's bank account: Method use

k16b_08

k16b_08. Received money from someone into a bank account: Method use

k16b_09

k16b_09. Get a bank statement: Method use

k16b_10

k16b_10. Buy airtime: Method use

k16b_11

k16b_11. Buy groceries using my bank/debit card/POS: Method use

k16b_13

k16b_13. Other: Method use

k17

K17. What is the main reason why you do not have a bank account?

k2_1

K2.1 Just to check, do you have an MFI account?

k2_2

K2.2 Have you used your MFI account this year?

k2_3

K2.3 Still thinking of your MFI account, approximately how often do you use this

k2_4_1

k2_4_1. Loans at MFI: please tell me whether you have

k2_4_2

k2_4_2. Savings at MFI: please tell me whether you have

k2_4_3

k2_4_3. Fund transfere using MFI account: please tell me whether you have

k2_4_4

k2_4_4. Insurance at MFI: please tell me whether you have

k2_4_5

k2_4_5. Pension at MFI: please tell me whether you have

k2_4_6

k2_4_6. Other: please tell me whether you have

k2_4_other_specify

K2.4 Other, specify

k2_5

K2.5 What is the main reason for you not using your MFI account?

k2_5_other_specify

K2.5 Other, specify

k2_6

K2.6 Does your MFI account help you manage your money better?

k2_7

K2.7 What is the main reason why do you not have an MFI account?

k3_1

K3.1 Are you a member of an Umurenge SACCO/have an Umurenge SACCO account?

k3_2

K3.2 Have you used your Umurenge SACCO account this year?

k3_3

K3.3 Still thinking of your Umurenge SACCO account, approximately how often do y

k3_4_1

k3_4_1. Loans through your SACCO account: please tell me whether you have

k3_4_2

k3_4_2. Savings through your SACCO account: please tell me whether you have

k3_4_3

k3_4_3. Fund transfere using your SACCO account: please tell me whether you have

k3_4_4

k3_4_4. Insurance: please tell me whether you have

k3_4_5

k3_4_5. Pension: please tell me whether you have

k3_4_6

k3_4_6. Other: please tell me whether you have

k3_5

K3.5 Does your Umurenge SACCO account help you manage your money better?

k3_6

K3.6 What is the main reason for you not using your Umurenge SACCO account?

k3_6_other_specify

K3.6 Other, specify

k3_7

K3.7 Thinking about the time when you first became a member/opened your Umurenge

k3_8

K3.8 Did you close any of these when you opened your Umurenge SACCO account/beca

k3_9

K3.9 Still thinking about the time when you first became a member/opened your Um

k3_10

K3.10 Did you give up your membership with any of these when you became a member

k3_11

K3.11 Does your SACCO account help you manage your money better?

k3_12

K3.12 What is the main reason why do you not have a bank account?

f1

For each of the following statements,tell me whether itbis true or not?

f1_1

f1_1. You would rather deal with people face to face than with machines such as

f1_2

f1_2. You are prepared to learn how to use new technology

f1_3

f1_3. You prefer to pay for goods and services in cash rather than using electro

f2

F2. How many mobile phones does this household own?

f3

F3. Do you own a mobile phone?

f4a

F4a. Do you have a SIM card registered in your name?

f4b

F4b. Do you use a mobile phone that belongs to someone else or is shared?

f4c

F4c. Where you stay, do you normally have a reliable phone GSM network?

f4d

F4d. What type of mobile phone/s do you use?

f4d_1

f4d_1. A smartphone that can access the internet, send and receive emails and is

f4d_2

f4d_2. A feature phone that can access the internet, send and receive emails, st

f4d_3

f4d_3. A basic phone which is only capable of voice calling and SMS

f4e

F4e. How many smartphones you have?

f5

F5. Which of the following statements best describes your experience with mobile

f6

F6. How many mobile money accounts do you currently have?

f7

F7. Why do you use mobile money services compared to other digital financial ser

f7_1

f7_1. This is the only accessible one in my community (Agent nearby)

f7_2

f7_2. It is easy to register (less requirements)

f7_3

f7_3. It is cheap or most affordable

f7_4

f7_4. This is the most convenient (takes less time)

f7_5

f7_5. Practical to pay bills

f7_6

f7_6. I trust it

f7_7

f7_7. It helps me to keep money safe or to save

f7_8

f7_8. Do not know (Do not read out)

f7_9

f7_9. Other (specify)

f8

F8. What problems or challenges have you faced when using mobile money (MTN and

f8_1

f8_1. Service / Agent network was down

f8_2

f8_2. Inconsistent availability of agent

f8_3

f8_3. Difficulty operating the phone/using menu

f8_4

f8_4. Unclear transaction charges/fees

f8_5

f8_5. Agent float/cash availability

f8_6

f8_6. Contacting customer care

f8_7

f8_7. Sending to a wrong number

f8_8

f8_8. Family/friends stealing money

f8_9

f8_10

f8_10. Money laundering

f8_11

f8_11. Other (SPECIFY)

f8_other_specify

F8. Other, specify

f9

F9. Are you a mobile money agent?

f10a

F10a. Now can you please tell me your mobile money service provider?

f10a_1

f10a_2

f10a_3

f10a_other_specify

F10a. Other, specify

f10b

f10b. can you tell me how important this mobile account assist you to manage you

f11

F11. How often do you use mobile money?

f12

F12. Does your Mobile Money account help you manage your money better?

f13

F13. Do you feel that Mobile Money fees and charges are affordable

f14

F14. What is the main reason why do you not use mobile money?

l1

L1. Do you belong to any informal financial groups?

l2

L2. Does it offer financial services?

l3

L3. How often do you contribute money to your group?

l4

L4. How do you mainly repay or make contributions towards your group?

l5

l5. what is the main reason why you belong to such a group/club?

l5_01

l5_01. Provide: Lend money out to members when they need the money

l5_02

l5_02. Provide: Lend out money to non-members when they want to borrow

l5_03

l5_03. Provide: Give collected money to one member every month

l5_04

l5_04. Provide: Keep the collected money for members and members can withdraw th

l5_05

l5_05. Provide: Keep the collected money for members and give to members after a

l5_06

l5_06. Provide: Buy assets as a group

l5_07

l5_07. Provide: Buy assets for individual members

l5_08

l5_08. Provide: Raise or save money for social events (weddings, leisure,)

l5_09

l5_09. Provide: Raise or save money for other emergencies for group members

l5_10

l5_10. Provide: Act as guarantor when members want to borrow money somewhere els

l5_11

l5_11. Provide: Assist with funeral cost

l5_12

l5_12. Provide: Put the collected funds into a financial institution such as a b

l5_13

l5_13. Provide: Put the collected funds into a financial institution such as a b

l6

I6. Do you agree\disagree with the following statements?

l6_1

l7_1. In a group they have more discipline in saving with a group than any other

l6_2

l7_2. I have more discipline in saving with a group than any other way because I

l6_3

l7_3. In a group they have more discipline paying back money borrowed from a gro

l7

L8. Does the group you belong to, help you manage your money better?

l8

L9. Why do you not belong to savings groups?

l8_1

l9_1. Do not trust them

l8_2

l9_2. They are too expensive

l8_3

l9_3. Do not get regular income

l8_4

l9_4. Dont have money to save

l8_5

l9_5. Dont want to borrow

l9_6

l9_6. Have lose money with them before

l8_7

l9_7. Do not have joing fee

l8_8

l9_8. Other (SPECIFY)

m1

M1. Please tell me which of the following statements best describes your househo

m2

M2. Please tell me which of the following farming your household is involved in?

m2_1

m2_2

m2_2. Goats, sheep, pigs

m2_3

m2_3. Other livestock such as chickens, rabbits

m2_4

m2_4. Cash crops tea, coffee, pyrethrum

m2_5

m2_5. Fruit such as bananas, pineapple, avocado, pepper, papaya, passion fruit

m2_6

m2_6. Vegetables tomatoes, carrots, onions, cabbages

m2_7

m2_7 Staples such as grains

m2_8

m2_8. Roots such as sweet potatoes, cassava, Irish potatoes

m2_9

m2_9. Beans, peas, ground nuts

m2_10

m2_11

m2_11. Macademia, Fresh beans

m2_12

m2_12. Other (Specify)

m5a

M5a. For your farming activities, you need things like farming equipment, seed o

m5a_1

m5a_1. Don't have to buy because I manage with what I have already (keeping seed

m5a_2

m5a_2. Use money from other sources of income

m5a_3

m5a_3. Use savings from formal institutions (bank, SACCO, MFI)

Total: 2500

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