{"doc_desc":{"title":"FinScope 2024, Financial Inclusion in Rwanda","idno":"RWA-NISR-FINSCOPE-2024-v01","producers":[{"name":"Access to Finance Rwanda","abbr":"AFR","affiliation":"","role":"Main producer "}]},"study_desc":{"title_statement":{"idno":"RWA-NISR-FINSCOPE-2024-v01","title":"FinScope 2024, Financial Inclusion in Rwanda"},"authoring_entity":[{"name":"Access to Finance Rwanda","affiliation":""}],"production_statement":{"producers":[{"name":"Access to Finance Rwanda","abbr":"AFR","affiliation":"","role":"Main Producer"}],"funding_agencies":[{"name":"Mastercard Foundation","abbr":"","role":"Funders of Finscope"},{"name":"Swedish International\nCooperation Agency","abbr":"Sida","role":"Funders of Finscope"},{"name":"Luxembourg Cooperation","abbr":"","role":"Funders of Finscope"},{"name":"Jersey Overseas Aid","abbr":"JOA","role":"Funders of Finscope"},{"name":"Rwanda Bankers Association","abbr":"","role":"Funders of Finscope"},{"name":"National Bank of Rwanda","abbr":"BNR","role":"Funders of Finscope"},{"name":"Ministry of Finance\nand Economic Planning","abbr":"MINECOFIN","role":"Funders of Finscope"}]},"distribution_statement":{"distributors":[{"name":"Access to Finance Rwanda","abbr":"AFR","affiliation":"","uri":"https://afr.rw/downloads/rwanda-finscope-2024-report/"}]},"version_statement":{"version":"v1: Edited anonymous dataset for public distribution"},"study_info":{"abstract":"The Rwanda FinScope survey is conducted every four years since 2008 fostering public-private\npartnership in the financial sector. The first FinScope demand surveys were driven by\nneed to generate credible information to guide policy interventions and financial service providers\nin their efforts to expand the reach and depth of the Rwandan financial system, while\nin 2024, the focus shifted from Financial Inclusion to inclusive finance. \u201cFinance becomes\ninclusive from the moment when it enables a given beneficiary, such as a household, a young\nentrepreneur, Micro, Small and Medium Entreprises (MSMEs) to access a suite of services and\nproducts, sometimes personalized, which respond to a specific need.\u201d\nThe Rwanda FinScope 2024 survey offers a comprehensive dataset that captures the evolving\nfinancial landscape influenced by technological innovations, changes in products and\nconsumer behavior, demographic shifts, policy changes, the entry of new players, and other\nexternal factors. This report stands out as it is the first FinScope Survey conducted post-\nCOVID-19, providing valuable insights on how the financial sector adapted to the increased\ndemand for cashless devices and responded to pandemic-related risks. Additionally, it coincides\nwith the conclusion of the National Strategy for Transformation and the Financial Sector\nDevelopment Strategic Plan, offering a timely opportunity to monitor progress on key FSDP\nIII priorities, including financial inclusion, positioning Rwanda as a cashless economy, private\nsector financing, and savings mobilization. The survey also addresses topical issues such as\nclimate and green finance and the role of financial inclusion in helping Rwandans build resilience\nand align with sustainable development goals and insights are well summarised in this\nreport.\nLevels of financial inclusion\nThe finscope 2024 survey findings confirm that Rwanda\u2019s financial ecosystem\u2019s interventions\nhave hugely contributed to deepening financial inclusion over the last four years. The findings\nrevealed that 96% or 7.8million of Rwandan adults are financially included, and the 2024\ntarget of 100% is within reach. Financial inclusion in the baseline survey conducted in 2008\nwas at only 48% or 1.8 million and formal inclusion at only 21%. The survey notes a significant\ndecline in the use of only informal mechanisms to 4% or 358,000 people from 16% or 1.1\nmillion people in 2020. The findings also indicate reduced disparities in access to financial\nservices by gender, which has narrowed over time to 1% in 2024. Likewise, the urban/rural\nfinancial inclusion divide narrowed from 6% in 2020 to 1% in 2024. This enables women\nand the rural population to participate more meaningfully in formal economic activities. The\nfinancial system seems conducive to including people living with disabilities, as 93% of disabled\nindividuals were financially included in 2024. When it comes to refugees, it is normal\nthat many would have no access to banks and other mainstream formal financial services.\nThis normally creates an enormous hurdle on their way to self-reliance and economic independence.\nHowever, this is not the case in Rwanda, as 36% of refugees have or use bank\naccounts, further 62% use other formal (non-bank) mainstream financial products. Overall\nthe refugee financial inclusion stands at 99%.\nAccess to a transactional account is a first step towards broader financial inclusion as it allows\npeople to store money and to send and receive payments. Transactional account uptake\n(combined uptake of bank and mobile wallet), increased to 77% (6.2million) in 2024 from 66%\n(4.7 million) in 2020. The growth is attributed to the increased ownership of mobile wallet,\nwhose proportion rose to 77% (6.3 million) in 2024 from 60% (4.2 million) in 2020.\n\nThe FinScope 2024 revealed a formal financial services usage gender gap of 9% in transactional\naccounts with 73% or 3 million of females having transactional accounts versus 82%\nor 3.2 million of their male counterparts. Looking at each transactional account, the findings\nindicate that the uptake of banking products has remained constant in 2024 (22% in 2020\nversus 22% in 2024). In absolute numbers, there has been a slight increase in people with bank\naccounts from 1.6 million to 1.8 million. As indicated, this growth shows a slight decline when\ntaking population growth into account.\nThe analysis further shows that 9% of adult Rwandans who do not have personal or joint\naccounts in their name do use the banking system, down from 14% in 2020. The banking\nactivities are driven by the uptake of current transactional accounts and usage of digital financial\nchannels, such as bank USSD codes and mobile banking have increased in recent\nyears. Around 55% of the banked population uses their banking account monthly, which has\nsignificantly dropped from 81% since 2020.\nThere has been an increase in Rwandans using mobile money1 for financial transactions.\nAbout 86% (6.9 million) of Rwandans own or have used mobile money, while adults with\nregistered mobile wallet in their names went up from 60% or 4.3 million in 2020 to 77% or 5.8\nmillion in 2024. There has been significant growth in the use of mobile money services since\n2020, with increased usage of mobile money on a daily and weekly basis in 2024 (19% and\n21%, respectively) compared to 2020 (which recorded 4% daily and 13% weekly), but a decline\nfor monthly usage. This may be attributed to the role of mobile money in addressing the cash\nneeds of households and adjustments made as coping mechanism during COVID-19 pandemic.\nMoney transfers, airtime purchases, and bill payments are among the services available\nto mobile money users. It is encouraging to note that transactions performed via mobile\nmoney go beyond remittances.\nFor many countries, FinScope provided the first opportunity to measure the number of people\nwho were formally served by the financial sector, and the indicators have traditionally\nfocused on access and uptake, however, the focus is shifting beyond this to measure usage,\nquality, and impact. Rwanda started to measure financial health in 2020 and this report reflects\non milestones and starts to shape the discussions for the next target generation of\nfinancial inclusion in Rwanda.\nTurning to monitoring progress on critical priorities\nof financial inclusion\nDeep dive assessment on uptake and usage of financial services, reveals that 86% or 6.9\nmillion of adult Rwandans had financial product accounts in their names, including mobile\nmoney (77%); SACCO (28%); insurance (27%); pension (25%); bank (22%); and MFI (7%). Less\nthan a million or 8% of Rwandans do not have formal financial accounts in their name, but\nthe data shows that they are using and benefiting from the formal financial system, including\nmobile money and banking channels. Indirect access to financial services is important\nas it helps consumers (who normally would not qualify or afford to participate) access the\nsystem through financial intermediaries, making channels more readily available for various\npurposes. This may provide benefits such as lower costs, reduced risk, and added expertise,\ncontributing to economic growth and stability.\nThe survey report indicates that Rwanda is making significant progress towards a cashless\neconomy. The National Payment System Strategy 2018-2024, with strong empirical backing,\nincluding a range of literature that documents, and the widespread adoption of Mobile\nFinancial Services, are driving this movement. The data shows a significant growth in the use\nof digital finance services from 30% or 2.1 million) to 73% or 5.9 million) in 2024. Despite this\nimpressive growth, Rwandans receive their income in cash and prefer to spend in cash on the\nfollowing activities: food (88.5%); communication (64.4%); medical expenses (45%); farming\ninputs (45%); education (44%) and water & energy bills (34%).\nIncreasing domestic credit to the private sector is the most fundamental financial sector\ntarget relating to social and economic transformation. Many initiatives in NST1 directly support\nthis objective, such as SMEs, agriculture, and housing finance, and investment in education\nfor personal development. The findings show that the number of individuals with formal\ncredit has increased from 22% or 1.5 million in 2020 to 24% or 1.8 million in 2024. It is impressive\nthat more than two-thirds of those who borrowed money did so to develop themselves,\nand further analysis showed that 42% of the self-employed who had obtained credit, did so\nmainly to expand or invest in their businesses, which aligns with NST1 initiatives that seek to\nsupport SMEs and agriculture. However, the data collected on life goals sought by Rwandans\nshowed that more than 3 million adults (37%) would like to invest or start their businesses (including\n15% who would like to buy agriculture and business inputs and assets), and a further\n33% have housing or land financing needs. Most of these inclusive finance needs are not met;\n32% are doing nothing to meet their financial goals, while 31% use non-financial devices to\nmeet these goals.\nThe assessment of saving culture reveals an impressive growth in the formal saving mechanism.\nAccording to the results, overall saving uptake was around 86% or 6 million in 2020,\nwhich slightly decreased in proportion to 85% or 6.9 million in 2024, representing a 13%\nchange compared to a 14% change in population growth. Proportionally, this reflects a\n1%-point drop. This decline is driven by informal savings, while the number of adults with formal\nsaving products grew from 3.8 million or 54% in 2020 to 4.8 million or 59% in 2024, this is\n26% change. This change includes innovative savings mobilization schemes such as Ejo-Heza\nProgram and strengthening existing formal saving mechanisms like Banks, Capital Market and\nPensions. This is a significant achievement, as Rwanda seeks to increase savings as a percentage\nof GDP from 14% to 30% in a bid to transform its economy into an upper-middle-income\ncountry by 2035 and a high-income country by 2050. The number of adults with any retirement\nsavings went up from 7% in 2020 to 25% in 2024.\nThere has been another surge in the number of Rwandans with personal insurance products,\nfrom 17% or 1.2 million in 2020 to 27% or 2.1 million in 2024. This jump is driven by general\ninsurance increasing from 4% in 2020 to 10% in 2024, and life insurance which grew from 5%\nin 2020 to 10% in 2024. Though recording slightly decline from 4% in 2020 to 3% in 2024,\nmicroinsurance in Rwanda continues to be a golden opportunity, as the income streams of\n90% can be characterized as low, unpredictable, and irregular. Yet, financial setbacks are numerous\nand frequent.\nSpeaking of numerous and frequent financial setbacks, the FinScope 2024 survey report\nlooked at restructuring financial services to address climate change related risks and opportunities,\nespecially at the household level, as a priority. Unlike previous surveys, the 2024\nstudy included questions on climate-related shocks and their impact on households. The\nresults indicate that 69% (5.6million) of Rwandans reported experiencing climate change-related\nshocks. Rwandans experience mostly weather-related unexpected challenges, such as floods (56%), drought (25%), and storms (21%). Furthermore, a notable 27% experienced pest\ninfestation challenges, which may lead to damage to plants in production fields, forests, or\nnatural habitats, causing substantial damage to productivity, biodiversity, or natural resources.\nOf those who experienced climate change-related risks, 53% experienced repeated climate\nchange-related risks. Despite this, a majority of the respondents did not have a solution to the\nclimate-related shocks; only 30% (2.45 million) of those who experienced climate change-related\nrisks have put up measures to mitigate the impact on their finances, highlighting opportunities\nfor policy reforms and financial product offerings to assist in coping with these\nencounters.\nThe assessment of Rwandans\u2019 perceptions on the socioeconomic and financial impact of\nthe COVID-19 pandemic reveals increased vulnerabilities in the livelihoods. Two-thirds of\nRwandans\u2019 livelihoods (i.e., 66% or 5.4 million) were negatively affected by the Covid pandemic\nacross livelihoods sources. Just above 2 in 5 or 42% adults indicated that their income\nor revenue was reduced, 34% could not operate, and 29% stopped working for some time.\nIt is accepted that the global COVID-19 health crisis and government responses, such as\nlockdowns restricting economic activities, increased the need for contactless financial products\nand services, accelerating the shift to digital finance in many economies. Rwanda Fin-\nScope 2024 Survey looked at the use of financial products and services during the Covid-19\npandemic and a good story on using the pandemic as a catalyst emerges. Around 1.3 million\n(16%) adults started using different financial devices or mechanisms during COVID-19 crises.\nOf those who reported having started using financial products and services, 56% of them\nstarted using mobile money during the pandemic. Further 13% or 1.1 million adults used mobile\nmoney more frequently because of the situation. However, the behavior of using online\nbanking platforms or using card tapping did not change much amongst Rwandans.\nThe survey employed an improved framework of financial health (with the aim to measure\nthe impact of financial inclusion on Rwandans) constructed from a composite index of four\nparameters (sub-indices with equal weighting): ability to manage day-to-day needs, taking\nadvantage of opportunities, resilience against shocks, and ability to act through having control\nover one\u2019s finances. The indices have been grouped into four quartiles, such that the\nhealthiest individuals (financially healthy) are those with index values ranging from 75 to 100.\nThe data shows that 10% are financially healthy, 57% are financially coping, 31% are financially\nvulnerable and 3% are extremely financially Vulnerable. Overall, the results of the Survey\nindicate that the financial health of Rwandans is improving; 10% of adults (about 1.3 million)\nwho were financially vulnerable in 2020 are now financially stable (coping or financially\nhealthy). This means that more than two-thirds of adults are in a better situation to balance\ntheir income and expenses, take advantage of economic opportunities, be resilient, and make\nsound financial decisions while having control over their financial affairs.","nation":[{"name":"Rwanda","abbreviation":"RWA"}],"geog_coverage":"FinScope data are at the National level coverage","analysis_unit":"Basic units of analyisis were individuals and households.","universe":"The target population eligible for FinScope survey is every 16 years old and above resident in selected households"},"method":{"data_collection":{"time_method":"2024","sampling_procedure":"As mentioned earlier, the FinScope survey 2024 aimed to gather information on how households\nincluding refugees, access financial services and utilise them to enhance their operations.\nHowever, the refugee modules or survey has been treated as stand-alone and a separate\nreport will be developed. The target population for the Rwanda State of Financial Inclusion\n2024 survey consisted of eligible members of private households in Rwanda. The eligible\nmembers of the population living in institutions, such as hospitals, hostels, police barracks,\nand prisons, were not included in this survey. However, private households within institutional\nsettings, such as teachers\u2019 houses on school premises, and refugee camps were included.\nThe sample design used a stratified three-stage cluster sample. The first stage units were the\nPrimary Sampling Units (PSUs), the second were the households, and the third were the eligible\nmembers. These individuals, at the time of the survey, were 16 years or older, available\nduring the survey\u2019s duration, mentally and physically capable of being interviewed and had\nresided in the selected household for at least six months preceding the survey. The age limit\nfor eligibility criteria was based on the fact that only individuals aged 16 years or older are\nofficially authorised to obtain personal formal financial products (such as opening a personal\nbank account or mobile wallet) from formal financial institutions in Rwanda, making them\na target population of the financial sector. 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