FinScope 2005, Financial Inclusion - Zambia

Abstract
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The FinScope 2005 was a nationally representative survey measuring access, usage, perceptions and demand patterns on financial services and issues to create insights into how consumers source their income and manage their financial lives. The survey aimed to establish credible benchmarks and indicators of access, provide insights into regulatory and market obstacles to growth and innovation, and highlight opportunities for policy reform and innovation in product development and delivery.

Geographic coverage
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National coverage

Analysis unit
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Individuals

Universe
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The survey covered all usual household residents age 16 and above in Zambia.

Kind of data
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Sample survey data [ssd]

Sampling procedure
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The sampling frame was based on data generated by the 2000 Zambian Population Census. The FinScope 2005 used a stratified, multi-stage cluster sampling approach. Stratification was done at the province and urban/rural level before cluster sampling was performed using enumerator areas as PSUs. 160 EAs were selected with probability proportional to size. Within each EA 25 households were randomly selected. In the third stage, one eligible (aged 16 and above) member of the household was randomly selected using a Kish grid. We should therefore expect the sample population to be equal to 4000 (160 EAs in which 25 households were selected).

The report states that, "a CSO senior statistician has assisted FinMark Trust in the cleaning and weighting of the FinScope dataset, and the comparison of the FinScope sample to the Zambia Census 2000 data to assess the representation of the FinScope sample to Zambia's overall adult population." We interpret this as meaning that the sample was weighted to match estimated Zambian population proportions based on demographic models informed by the Zambian Census 2000. It is unclear from the report the exact methodology used for the calibration of the post-stratified weights.

Sampling deviation
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The sample is two observations short of what is expected. It is unclear from the available documentation why those two observations were omitted.

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

Research instrument
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A single questionnaire was used for the Zambia FinScope 2005. The FinScope core questionnaire was adapted to the Zambian context in close consultation with FSDP Working Groups and other financial sector stakeholders. The questionnaire is provided as an external resource.

Cleaning operations
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The original version of the Zambian FinScope 2005 had a large number of geographic variables, many of which ended up being excluded. Some were excluded because they weren't usable without a private codebook, others because they could potentially lead to identification of individuals in the dataset. The final set of geographic variables included were province, district, and an urban/rural binary variable.

The original datafile also contained a number of variables that detailed surveyor, supervisor, and visitation information. These were also excluded from the distributed datafile. Also excluded were variables used only for informing placement in the Kish grid.

Data appraisal
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The data file received by DataFirst is two observations short of what was expected. That is, there are 3998 observations in the data file when there should be 4000.

摘要
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FinScope 2005是一项全国性代表性调查，旨在衡量金融服务及问题的可获取性、使用情况、认知和需求模式，以洞察消费者如何获取收入以及管理其财务生活。该调查旨在建立可信赖的基准和指标，揭示增长和创新在监管和市场方面的障碍，并凸显政策改革及产品开发与交付创新的机会。
地理覆盖范围
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全国范围
分析单元
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个人
总体
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调查涵盖了赞比亚所有年龄在16岁及以上的常规家庭居民。
数据类型
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样本调查数据 [ssd]
抽样程序
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抽样框架基于2000年赞比亚人口普查所生成数据。FinScope 2005采用了分层、多阶段聚类抽样方法。在聚类抽样之前，对省份和城乡水平进行了分层。使用调查员区域作为初级抽样单位（PSU），选出了160个EAs，其选择概率与规模成正比。在每个EAs内，随机选择了25户家庭。在第三阶段，使用Kish网格随机选取了每个家庭中符合条件的（年龄在16岁以上）一位成员。因此，预期样本人口应为4000（在160个EAs中选择了25户家庭）。
报告指出，'一位国家统计办公室的高级统计学家协助FinMark Trust对FinScope数据集进行了清理和加权，并将FinScope样本与赞比亚2000年人口普查数据进行比较，以评估FinScope样本在赞比亚整体成年人口中的代表性'。我们解读为样本被加权以匹配基于2000年赞比亚人口普查的、由人口统计学模型估算的赞比亚人口比例。报告并未明确说明用于后分层权重校准的确切方法。
抽样偏差
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样本数量比预期少了两个观测值。从现有文件中无法明确得知为何遗漏了这两个观测值。
数据收集方式
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面对面 [f2f]
研究工具
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Zambia FinScope 2005使用了单一问卷。FinScope核心问卷在FSDP工作组和其他金融部门利益相关者的紧密协商下，针对赞比亚的背景进行了调整。问卷作为外部资源提供。
数据清理操作
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赞比亚FinScope 2005的原始版本包含大量的地理变量，其中许多最终被排除。一些因缺乏私人代码簿而无法使用，其他则可能因可能导致数据集中个人身份识别而被排除。最终包含的地理变量包括省份、区和城乡二元变量。
原始数据文件还包含了一些详细说明调查员、监督员和访问信息的变量。这些变量也被排除在分发数据文件之外。此外，仅用于告知Kish网格定位的变量也被排除。
数据评估
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DataFirst收到的数据文件比预期少了两个观测值。也就是说，数据文件中有3998个观测值，而应为4000个。