{"doc_desc":{"title":"rwa-nisr-fs-2012-v1","idno":"RWA-NISR-RFS-2016-v01","producers":[{"name":"National Institute of Statistics of Rwanda","abbr":"NISR","affiliation":"MINECOFIN","role":"Study documentation"}],"prod_date":"2016-06-16","version_statement":{"version":"V1"}},"study_desc":{"title_statement":{"idno":"RWA-NISR-RFS-2016-v01","title":"Rwanda FinScope Survey 2016","sub_title":"Financial Inclusion in Rwanda 2016","alternate_title":"RFS 2016"},"authoring_entity":[{"name":"Access to Finance Rwanda (AFR)","affiliation":"GoR"}],"production_statement":{"producers":[{"name":"National Bank of Rwanda","abbr":"BNR","affiliation":"Ministry of Finance and Economic Planning","role":"Technical Partner"},{"name":"National Institute of statistics of Rwanda","abbr":"NISR","affiliation":"Ministry of Finance and Economic Planning","role":"Technical Partner/Quetionnaire design"},{"name":"Finmark Trust","abbr":"FT","affiliation":"NGO","role":"Technical Partner/Quetionnaire design"},{"name":"Centre for Social and Economic Studies","abbr":"CSES","affiliation":"NGO","role":"Technical Partner"},{"name":"Ministry of Finance and Economic Planning","abbr":"MINECOFIN","affiliation":"GoR","role":"Technical Partner"}],"copyright":"(c) 2016, Access to Finance","funding_agencies":[{"name":"United Kingdom\u2019s Department for International Development","abbr":"UKaid","role":"Funding "},{"name":"World Bank","abbr":"WB","role":"Funding "},{"name":"The Master Card Foundation","abbr":"MCF","role":"Funding "},{"name":"Sweden","abbr":"Sweden","role":"Funding "},{"name":"KFW","abbr":"Kreditanstalt f\u00fcr Wiederaufbau","role":"Funding "}]},"distribution_statement":{"contact":[{"name":"Data Portals Management Officer","affiliation":"National Institute of Statistics of Rwanda","email":"nada.rwanda@statistics.gov.rw","uri":"www.statistics.gov.rw"}]},"series_statement":{"series_name":"Socio-Economic/Monitoring Survey [hh/sems]","series_info":"The FinScope Rwanda 2016 Survey is the third FinScope Survey conducted in Rwanda. The first survey was conducted by FinMark Trust in 2008 under the auspices of the National Bank of Rwanda with main objective to provide baseline data on access to financial services in Rwanda and to provide insights and understanding in assistance to the Rwandan Government in terms of the Economic Development and Poverty Reduction Strategy I (EDPRS I).The Financial Sector Development Programme( FSDPII) underscores the need to continuously assess the progress made towards achieving the financial inclusion objectives/targets for Rwanda, and the FinScope Survey is suggested as the main reliable way to do assess progress.\n\n It is against this background that AFR conducted the FinScope Rwanda 2012 Survey. The results of the 2012 survey have been widely used by government for policy and strategic guidance of the financial sector through the Financial Sector Development Program II (FSDPII), and have been used by the private financial institutions for strategic decisions.\n\nThe Government of Rwanda through AFR initiated the third FinScope survey with an intention to continue measuring progress in financial inclusion. FinScope 2016 is expected to illustrate how many adult Rwandans were linked to financial inclusion specifically formal accounts through different sector interventions. FinScope 2016 is expected to illustrate how many adult Rwandans were linked to financial inclusion specifically formal accounts through different sector interventions."},"version_statement":{"version":"Edited, anonymous dataset for public distribution.","version_date":"2016-06-01","version_notes":"This is the first version of the data description"},"study_info":{"keywords":[{"keyword":"FinScope","vocab":"FinScope","uri":""},{"keyword":"FinScope","vocab":"Financial","uri":""}],"abstract":"The FinScope survey provides a holistic understanding of how individuals generate an income and how they manage their financial lives.  It identifies the factors that drive financial behaviour and those that prevent individuals from using financial products and services.  Implementing the FinScope survey over time provides the opportunity to assess whether, and how, a country's situation changes.\n\nThe main objectives of the FinScope Rwanda 2016 Survey was to:\n-\tDescribe the levels of financial inclusion (i.e. levels of access to financial products and services both formal and informal)\n-\tDescribe the landscape of access (i.e. the type of products and services used by financially included individuals)\n-\t Identify the drivers of, and barriers to financial access\n-\tAssess trends/changes over time (from 2012)\n-\tStimulate evidence-based dialogue that will ultimately lead to effective public and private sector interventions that will increase    \n                and deepen financial inclusion\n-\tProvide information on new opportunities for increased financial inclusion","coll_dates":[{"start":"2015-11-02","end":"2016-01-06","cycle":""}],"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","data_kind":"Sample survey data [ssd]","notes":"FinScope Rwanda2016 survey covered the Household Characteristics, Access to infrastructures, Financial capacity,  Money Management, Borrowing,  Money Management - Risk &Risk Mitigation, Money Management - Remittances, Bank Penetration, Informal Products, Farming, Income and Expenditure, and General information."},"method":{"data_collection":{"data_collectors":[{"name":"Access to Finance Rwanda","abbr":"AFR","role":"","affiliation":""}],"sampling_procedure":"TThe Finscope Rwanda 2016 sample was representative at the national level. This sample was drawn systematically using Probability Proportional to Size (PPS) sampling. The Individual respondents randomly selected from sampled households using the automated Kish grid. The sample was based on 780 villages enumeration area (villages) and 158 386 households were listed. During the data collection period,16 interviews per village were conducted.","coll_mode":["Face-to-face [f2f]"],"research_instrument":"The questionnaire was drafted in English and translated into Kinyarwanda. An instruction manual was developed in order to guide the enumerators how to use better the questionnaire and conduct interviews.\n\nThe questionnaire had the following sections: \nA.\tHousehold Characteristics \nB.\t Access to infrastructures\nC.\t Financial capacity \nD.\t Money Management - Saving \nE.\t Money Management - Borrowing \nF.\t Money Management - Risk &Risk Mitigation \nG.\t Money Management - Remittances \nH.\t Bank Penetration \nI.\t Informal Products \nJ.\t Farming \nK.\t Income and Expenditure\nL.              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The pilot test was conducted in urban and rural areas that are not part of the sample. The pilot test lasted one week. At the end of each day, all people participating in the pilot test were meeting to discuss issues and challenges, and suggest solutions to be tested on subsequent days. \n\nAt the conclusion of the pilot, all proposed changes to the survey instrument, translations, procedures, logistics, and systems were documented and prioritized. The AFR and FinMark Trust worked with the CESS Survey Director, Field Manager and QCS specialists to revise the survey instruments.","act_min":"In order to complete 12,480 interviews with adults aged 16 years and above in their respective households distributed in all the districts (30) of Rwanda, 60 Enumerators were used during 52 days of data collection. This is based on the assumption that each enumerator was supposed to conduct four (4) interviews per day. The fieldwork lasted 54 days, including 52 days of data collection, one (1) day dedicated for teams' deployment, and another (1) day for redeployment of teams in districts. For practical and logistical purposes, two pair teams (one team of 4 enumerators) were deployed together moving from one area to another using one vehicle. Each field team deployed consists of one (1) Field Supervisor, one (1) Quality control(QC) interviewer, and four (4) Interviewers. In total there were 15 teams,15 Field Supervisors, 15 QC Interviewers, and 60 Enumerators to complete the work.\n\nRigorous field supervision was provided throughout the course of fieldwork by several layers of supervisory staff in order to ensure the quality of the data. The front lines for data quality assurance in the field were Field Supervisors. The Field Supervisor and the quality control Interviewer were observing interviews conducted by interviewers. The quality control Interviewer was responsible to review each questionnaire summary closely and will present findings to the Field Supervisor prior to the latter's transmission of the data. The Field Supervisors also was to observe all interviewers as they conduct some interviews, spot check a random sample of interviewed households, and provide additional instruction to Interviewers as needed. Field Quality control supervision teams were visiting the field teams during the course of fieldwork to provide supervision and additional quality assurance.\n\nTo complement and verify these quality control measures, Access to Finance Rwanda (AFR) and  Yakini conducted independent field visits to verify field teams' implementation of the survey methodology and the interviewing process. Spot checks were also carried out on a number of completed questionnaires to assess completeness and logical consistency of interview data.","weight":"The data was weighted and benchmarked to the 2013/14 Integrated Household Survey (EICV4).","cleaning_operations":"Computerized quality control reports were generated on data received by Centre for Economic and Social Studies (CESS) in order to check value ranges, skip patterns and consistency across variables; identified missing data, outliers, heaping, and age displacement; and calculate response rates. The Editors were reviewing quality control reports generated on data received on a daily basis. 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