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Measuring Household Usage of Financial Services : Does it Matter How or Whom You Ask?

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creativeworkseries.issn1564-698X
dc.contributor.authorCull, Robert
dc.contributor.authorScott, Kinnon
dc.date.accessioned2012-03-30T07:12:38Z
dc.date.available2012-03-30T07:12:38Z
dc.date.issued2010-08-30
dc.description.abstractIn recent years, the number of surveys on access to and use of financial services has multiplied, but little is known about whether the data generated are comparable across countries or within the same country over time. A randomized experiment in Ghana tested whether the identity of the respondent and the inclusion of product-specific cues in questions affect reported rates of use of financial services. Rates of household use are almost identical whether the head reports on behalf of the household or whether the rate is tabulated from a full enumeration of household members. A less complete summary of household use of financial services results when randomly selected informants (nonheads of household) provide the information. For credit from formal institutions, informal sources of savings, and insurance, reported use is higher when questions are asked about specific financial products rather than about the respondent's dealings with types of financial institutions. In short, who is asked the questions and how the questions are asked both matter.en
dc.identifier.citationWorld Bank Economic Review
dc.identifier.doi10.1596/4520
dc.identifier.issn1564-698X
dc.identifier.urihttps://hdl.handle.net/10986/4520
dc.publisherWorld Bank
dc.relation.ispartofseriesWorld Bank Economic Review
dc.rightsCC BY-NC-ND 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by-nc-nd/3.0/igo
dc.subjectbalance sheets
dc.subjectbanks
dc.subjectcollateral
dc.subjectcredit histories
dc.subjectdebt
dc.subjectdeposit
dc.subjectdepositors
dc.subjectdeposits
dc.subjecteconomic growth
dc.subjectfinancial depth
dc.subjectfinancial institutions
dc.subjectfinancial products
dc.subjectfinancial sector development
dc.subjectfinancial services
dc.subjectfinancial system
dc.subjectinternational bank
dc.subjectloan
dc.subjectoutreach
dc.subjectsavings
dc.subjecttransaction costs
dc.titleMeasuring Household Usage of Financial Services : Does it Matter How or Whom You Ask?en
dc.typeJournal Articleen
dc.typeArticle de journalfr
dc.typeArtículo de revistaes
dspace.entity.typePublication
okr.date.doiregistration2025-05-06T11:00:50.142598Z
okr.doctypeJournal Article
okr.globalpracticeSocial, Urban, Rural and Resilience
okr.globalpracticeFinance and Markets
okr.identifier.report2
okr.language.supporteden
okr.pagenumber199
okr.pagenumber233
okr.pdfurlwber_24_2_199.pdfen
okr.peerreviewAcademic Peer Review
okr.region.countryGhana
okr.topicCommunities and Human Settlements
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicBanks and Banking Reform
okr.topicHousing and Human Habitats
okr.volume24
relation.isJournalIssueOfPublicationa08aaed0-f62c-4b9d-98a9-78aa8da07fde
relation.isJournalIssueOfPublication.latestForDiscoverya08aaed0-f62c-4b9d-98a9-78aa8da07fde
relation.isJournalOfPublicationc41eae2f-cf94-449d-86b7-f062aebe893f
relation.isJournalVolumeOfPublication2ef03834-bd8f-430e-b7da-21defac3bcc7
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