Comprehensive Baseline Study on Digital Remittances 2016, Demand-side Survey of Low-income Jordanians and Syrian Refugees in Jordan - Jordan

Abstract
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The Consultative Group to Assist the Poor (CGAP) and Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) have conducted a baseline demand-side study of person-to-person (P2P) remittances in Jordan to gather insight into existing customers, non-customers and potential customers. This study informed the implementation of a larger project to improve access to remittances and other financial services through digital solutions for financially excluded groups. The focal population for this study was low-income Jordanians (defined as those with a monthly household income of under 400 Jordanian Dinars) and Syrian refugees who have been in Jordan for at least a year.

The study focused on remittance activity and awareness and access to technology, with market forecasting for a digital remittance product. Key findings elicited insights into potential barriers to a digital remittance product, as well as enabling factors, and revealed a small market opportunity.

Geographic coverage
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West Amman, East Amman, Irbid, Zarqa, Mafraq, Karak, Ma’an, Azraq refugee camp, Zaatari refugee camp

Analysis unit
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Individuals, households

Universe
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Low-income Jordanians and Syrian refugees

Kind of data
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Sample survey data [ssd]

Sampling procedure
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The quantitative survey consisted of two independent samples:

• n= 1,091 low-income Jordanians (defined as those with less than 400JD of household income per month)
• n= 1,041 Syrian refugees living in Jordan

Quotas were used for both groups so the sample better represented available univariate population data in terms of geographic distribution, age and gender.
Refer to “Digittances Quantitative Data User Guide” for more information.

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

Research instrument
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Refer to “Digittances Quantitative Data User Guide”

Cleaning operations
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In addition to the quality control conducted during fieldwork, data cleaning was conducted after fieldwork was completed. This included checks for internal consistency, missing variables, blank variables, and outliers. Ipsos data storage is audited annually as part of our ISO 27001 and 20252 accreditations and is compatible with security accreditation.

摘要
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咨询贫困者援助小组（CGAP）与德国国际合作组织（GIZ）共同对约旦的个人对个人（P2P）汇款进行了基线需求研究，旨在深入了解现有客户、非客户及潜在客户。该研究为实施一项旨在通过数字解决方案改善金融排斥群体获取汇款及其他金融服务的大型项目提供了依据。本研究关注的焦点人群为低收入约旦人（指月家庭收入低于400约旦第纳尔的个人）以及已在约旦居住至少一年的叙利亚难民。
研究聚焦于汇款活动、对技术的认知及获取情况，并对数字汇款产品进行了市场预测。关键发现揭示了数字汇款产品的潜在障碍及促成因素，并揭示了一个小型的市场机遇。
地理覆盖范围
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西安曼、东安曼、伊尔比德、扎尔卡、马弗拉卡、卡拉克、玛安、阿兹拉克难民营、扎塔尔难民营
分析单元
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个人、家庭
总体
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低收入约旦人和叙利亚难民
数据类型
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样本调查数据 [ssd]
抽样方法
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定量调查包括两个独立的样本：
• n=1,091名低收入约旦人（指月家庭收入低于400JD的个人）
• n=1,041名居住在约旦的叙利亚难民
对两组均使用了配额，以确保样本更好地代表地理分布、年龄和性别的单变量人口数据。
有关更多信息，请参阅“Digittances 定量数据用户指南”。
数据收集方式
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面对面 [f2f]
研究工具
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请参阅“Digittances 定量数据用户指南”。
数据清洗操作
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除了在实地工作中进行的质量控制外，在实地工作完成后还进行了数据清洗。这包括对内部一致性、缺失变量、空白变量和异常值的检查。Ipsos 数据存储每年均接受审计，作为我们 ISO 27001 和 20252 认证的一部分，并符合安全认证。