Financial Behaviour Survey 2022 - Malaysia

Abstract
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The financial behaviours survey aim to collect general information on financial and digital literacy of refugees and asylum-seekers in Malaysia for the purpose of understanding their familiarity with and interest in financial and digital services. The survey was administered via phone calls, where respondents were identified through a random sampling of individuals aged 18-59 registered with UNHCR, and have updated their contact numbers with UNHCR in the last 6 months.

A majority of respondents are able to confidently make calculations and transact with money without errors. As a result of regulatory challenges, only 35.8% of respondents owned SIM cards registered under their own names. 89% of respondents own a smartphone, with the most frequently used mobile apps being Whatsapp, followed by Facebook, Youtube, imo and TikTok. While respondents seem to understand the value of financial services, only 11% actually own an account at a financial institutions due to regulatory barriers. A majority of respondents also rely on informal services for sending or receiving money either locally (within Malaysia) or internationally. In addition to this, 84.9% reported not having any savings whatsoever, which indicates respondents' limited resilience capacities to withstand sudden shocks or stressors.

Geographic coverage
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National

Analysis unit
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Household and Individual

Universe
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Registered Refugees and asylum-seekers in Malaysia 2022

Kind of data
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Sample survey data [ssd]

Sampling procedure
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Simple Random Sampling

Mode of data collection
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Computer Assisted Telephone Interview [cati]

摘要
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本财务行为调查旨在收集马来西亚难民和寻求庇护者金融与数字素养的普遍信息，以了解他们对金融与数字服务的熟悉程度及兴趣。调查通过电话访问进行，受访者通过联合国难民署（UNHCR）注册的18至59岁个人的随机抽样确定，且在过去6个月内已更新其联系号码。
调查结果显示，大多数受访者能够自信地进行计算并无误地进行货币交易。由于监管挑战，仅有35.8%的受访者拥有以自己名义注册的SIM卡。89%的受访者拥有智能手机，最常使用的移动应用依次为WhatsApp、Facebook、YouTube、imo和TikTok。尽管受访者似乎理解金融服务的价值，但由于监管障碍，仅有11%的实际受访者拥有金融机构的账户。大多数受访者还依赖非正式服务进行本地（马来西亚境内）或国际间的汇款和收款。此外，84.9%的受访者表示没有任何储蓄，这表明受访者抵御突发冲击或压力的适应能力有限。
地理覆盖范围
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全国

分析单元
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家庭与个人

总体
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马来西亚2022年注册的难民和寻求庇护者

数据类型
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样本调查数据 [ssd]

抽样程序
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简单随机抽样

数据收集方式
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计算机辅助电话访谈 [cati]