Financial Service Survey 2006 - Ghana

Abstract
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The Ghana Statistical Service (GSS) and the World Bank Development Economics Research Group (DECRG) partnered to implement the survey. The purpose was to find out household's access to and use of available financial services.This was a follow-up to an earlier test of survey designs regarding household access to financial services. The underlying premise is that the identity of a respondent can affect the quality and completeness of the information provided, especially when that respondent is providing information about other household members.

The survey will examine whether questions about specific products (e.g. credit cards, life insurance policies, savings clubs) elicit more complete information than questions asking whether a respondent uses services from a type of provider (e.g. commercial bank, credit union).

To derive the data necessary for these tests, the Financial Service Survey incorporated an experimental design in which one of three versions of the survey instrument (questionnaire) was randomly administered to each household. Individual household members were also randomly selected to respond to some sections of the questionnaire.

Geographic coverage
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National Regional District, Municipal, Metropolitan

Analysis unit
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Individuals

Universe
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The survey covered all adult household members (usual residents) aged 15 years and older.

Kind of data
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Sample survey data [ssd]

Sampling procedure
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The most recently visited enumeration areas (EAs) for the Ghana Living Standards Survey Round 5 (GLSS5) were targeted for the survey. This is because the characteristics of these households may not have changed much, and they were more likely to recollect information they had already provided. All the 120 EAs visited in the 10th and 11th cycles of the GLSS5 were included in the survey, with an additional 34 EAs selected from the 60 EAs visited in the 9th cycle. Households within the 154 EAs were listed and 15 selected randomly from each EA yielding a total of 2,310 households.

Mode of data collection
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Face-to-face [f2f]

Research instrument
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Three types of questionnaires were used in the survey:

1. Group 1 Questionnaire - All questions in the three (3) sections were administered to all household members aged 15 years and older. It collected information on background characteristics, the use of financial services and products and actions and attitudes towards accessing and using financial services and products.

2. Group 2 Questionnaire - Sections 1 and 2 of this questionnaire were administered to all household members aged 15 years and older. Sections 3 and 4 were administered to household members randomly selected using the Kish Grid based on given criteria.

3. Group 3 Questionnaire - All questions in section (1) were administered to heads of household and one randomly selected household member and covered background characteristics. Section two (2) was administered to heads of household and covered the use of financial services. Sections 3 and 4 were administered to a randomly selected household member and covered the use of financial services and products and actions and attitudes towards access and use of financial services and products.

All the questionnaires were in English and whenever necessary, the interview was conducted in a language of the respondent's choice. An interpreter was also used where the interviewer was not proficient in the respondent's choice of language.

Cleaning operations
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The GSS data editing occurs at three levels:

1. Field editing by interviewers and supervisors
2. Office editing
3. Data cleaning and imputation

Response rate
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Out of the 2,310 households selected for the survey, 2,292 were identified and successfully enumerated. This yielded a response rate of 99.2 percent.

摘要
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加纳统计服务局（Ghana Statistical Service，简称GSS）与世界银行发展经济学研究组（World Bank Development Economics Research Group，简称DECRG）携手合作，共同实施本次调查。调查旨在探究家庭对现有金融服务的获取和使用情况。此调查作为对先前关于家庭金融服务获取方式的调查设计的测试的延续。其根本假设是，受访者的身份可能会影响所提供信息的质量和完整性，尤其是在受访者提供有关其他家庭成员信息的情况下。
调查旨在检验针对特定产品（例如，信用卡、人寿保险单、储蓄俱乐部）的问题是否能比询问受访者是否使用某类供应商（例如，商业银行、信用合作社）的服务的问题获得更全面的信息。
为了获取进行这些测试所需的数据，金融服务调查采用了实验设计，其中将调查问卷的三种版本之一随机分配给每个家庭。此外，还随机选择了个体家庭成员回答问卷的部分内容。
地理覆盖范围
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全国区域区、市、大都市
分析单位
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个人
总体
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本次调查涵盖了所有年龄在15岁及以上的成年家庭成员（常住居民）。
数据类型
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样本调查数据 [ssd]
抽样程序
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本次调查的目标是最近访问的加纳生活标准调查第五轮（Ghana Living Standards Survey Round 5，简称GLSS5）的枚举区域（EAs）。这是因为这些家庭的特征可能变化不大，并且他们更有可能回忆起之前提供的信息。在GLSS5的第十轮和第十一轮中访问的所有120个EAs均纳入调查，并从第九轮中访问的60个EAs中额外选择了34个EAs。在154个EAs中的家庭进行了登记，并从每个EAs中随机选择了15个，总共得到2,310个家庭。
数据收集方式
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面对面 [f2f]
研究工具
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调查中使用了三种类型的问卷：
1. 第一组问卷 - 对所有15岁及以上的家庭成员实施了三个（3）部分的所有问题。该问卷收集了背景特征、金融服务和产品的使用情况，以及获取和使用金融服务和产品的行为和态度。
2. 第二组问卷 - 对所有15岁及以上的家庭成员实施了问卷的第一（1）部分和第二（2）部分。第三（3）部分和第四（4）部分由根据给定标准使用Kish网格随机选定的家庭成员回答。
3. 第三组问卷 - 第一部分的所有问题由家庭户主和随机选定的一个家庭成员回答，涵盖了背景特征。第二（2）部分由家庭户主回答，涵盖了金融服务的使用情况。第三（3）部分和第四（4）部分由随机选定的家庭成员回答，涵盖了金融服务和产品的使用情况，以及获取和使用金融服务的行为和态度。
所有问卷均使用英语编写，必要时，访谈将使用受访者选择的语言进行。如果访谈员不精通受访者的选择语言，则使用翻译员。
数据清理操作
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GSS数据编辑发生在三个级别上：
1. 访谈员和主管的现场编辑
2. 办公室编辑
3. 数据清理和插补
响应率
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在选定的2,310个调查家庭中，有2,292个被识别并成功枚举，这导致了99.2%的响应率。