Financial Literacy and Consumer Awareness Survey 2011 - West Bank and Gaza

Abstract
---------------------------

The survey was commissioned by the World Bank and it is aligned with the objectives of the World Bank's (WB) Global Program on Consumer Protection and Financial literacy that was launched in 2010. The aim of the WB program is to help targeted countries achieve better consumer protection in financial services. The WB initiative has targeted both public and private sector agencies, and has sponsored comprehensive research projects with the objective of finding the best solutions for each individual country/region. The survey focuses on financial services such as banking, insurance, microfinance in terms of credit, savings and payment systems, and was designed to identify the level of financial awareness and familiarity with financial services providers in the West Bank and Gaza. The survey also tried to identify appropriate methods for expanding consumer education and strengthening consumer rights in the West Bank and Gaza.

It is expected that the survey will support the objectives outlined by the Word Bank's Financial Governance/Consumer Protection in Financial Services Program. A major objective of this survey is to provide regional data for the World Bank's multi-national database. Thus, the inherent strengths of this initiative is that it will allow regional stakeholders the opportunity to draw upon both local and international data. Local, international, small and large-scale strategies can then be formulated by comparing the diagnostic reviews of local data to that of other survey countries. By learning from the successes and failures of other survey countries, more effective mechanisms for the improvement of consumer protection and financial literacy in the West Bank and Gaza can be established.

Geographic coverage
---------------------------

National

Analysis unit
---------------------------

Household, individual

Universe
---------------------------

The target population is comprised of all Palestinians of the age group 18 - 65 years old residing in the territories of the West Bank and Gaza.

Kind of data
---------------------------

Sample survey data [ssd]

Sampling procedure
---------------------------

The survey collected data from 2022 Palestinians in the West Bank and Gaza. The sample distribution was 66.8% West Bank and 33.2% Gaza Strip.

Sampling Frame

The sampling frame included all geographical locations in which the target population resides. The sampling frame was used to select the sample of locations for the survey. It also included the type of localities (urban, rural and refugee camps) and population size in each location. This information was taken into consideration in designing the survey sample.

The following table provides the distribution of Palestinian households by governorates according to data available on the Census of 2007:

Sampling Frame according to Number of Households:

Governorate Total Number of Households West Bank:
Jenin 47,437
Tubas 9,004
Tulkarem 29,938
Nablus 59,663
Qalqilia 16,483
Salfit 11,103
Ramallah
Al Bireh 52,834
Jericho 7,615
Jerusalem 70,434
Bethlehem 32,667
Hebron 89,919
Subtotal 427,097

Gaza Strip:
North Gaza 40,262
Gaza 76,810
Deir Al Balah 32,083
Khan Yonis 43,203
Rafah 26,863
Subtotal 219,221

Total 646,318

The following table shows the distribution of Palestinian households according to type of locality:

Sampling Frame according to Type of Locality Type of Locality Number of Households

Urban 472,736
Rural 113,386
Refugee Camps 60,196

Total 646,318

The frame was divided into strata depending on the homogeneity of the divided parts as follows:
A) Governorates: 16 in the West Bank and Gaza.
B) The type of locality: city, village and refugee camp.

Sample Design and Type

Three Stage Stratified Cluster Sample of 2022 persons (2022 households). The sample design was as follows:
1. Stage one: selection a sample of 60 representative localities covering all strata.
2. Stage two: selection a random sample of Palestinian households from each location selected in the first stage.
3. Stage three: random selection of one person from each household using Kish table within the age group of 18 years old and above. Half of the sample will be male and half is female respondents.

Sample Size
The sample size was 2022 persons from all Palestinian territories aged 18 years and above. Main regions covered by the sample are: the West Bank (excluding Ramallah), Ramallah and Gaza Strip. The sample was distributed as follows:

Region / # of Households

Ramallah and Al Bireh 350
West Bank 1000
Gaza Strip 672
Total 2022

The margin of error in the main key variables is approximately 2.5% on the entire sample size and it should be bigger in the detailed domains.

Sample Representation:

The researchers ensured that the sample is representative of the following during the field work:

1) Geographical representation: the sample distribution covers all governorates of the West Bank (including Jerusalem) and Gaza strip, thus provides a comprehensive geographical representation.
2) Economic Activity: in general, Ramallah and Al Bireh governorate is considered the economic and commercial center and thus was given a higher weight in the sample compared to the rest of the localities.
3) Economic Sectors: the sample covered different economical sectors such as employees of industrial, services and commercial sectors (usually in the main cities), workers in the agricultural sector (rural areas) and workers in the informal sector (mostly in Gaza).
4) Poverty levels: the sample covers poor localities as provided by statistics. In general, Gaza is considered poorer than the West Bank. Also, refugee camps and some localities particularly in North West Bank are considered poorer than the rest of localities and the above sample distribution provides coverage of such localities.
5) Age Groups: the sample covered all age groups above the age of 18. The reason behind selecting the starting age to be 18 is the fact that it is within this age that an individual is expected to become involved with financial transactions and thus will be dealing with financial services.
6) Gender: the sample was gender balanced; half of the respondents were males and half were females. This corresponds with the gender distribution of the Palestinian Territories.
7) Infrastructure: the sample covered central and remote localities to guarantee representation of poor versus good infrastructure and availability of services including financial services.

Mode of data collection
---------------------------

Face-to-face [f2f]

Research instrument
---------------------------

A standard questionnaire was previously developed by the World Bank and was adapted to the Palestinian context by Riyada Consulting. The questionnaire was also shared with local stakeholders such as the Palestinian Monetary Authority, USAID and other departments of the World Bank.

摘要
---------------------------
本调查由世界银行委托，与2010年启动的世界银行（WB）消费者保护与金融素养全球项目目标相一致。世界银行项目的宗旨在于协助目标国家在金融服务领域实现更优的消费者保护。世界银行倡议旨在针对公共和私营部门机构，并资助了一系列综合研究项目，旨在为每个国家和地区找到最佳解决方案。调查聚焦于金融服务业，如银行、保险、微型金融（在信贷、储蓄和支付系统方面），旨在识别西岸和加沙地带的金融意识水平以及对金融服务提供者的熟悉程度。调查还试图识别扩大消费者教育并加强西岸和加沙地带消费者权利的适当方法。
预期本调查将支持世界银行金融治理/金融服务消费者保护项目所概述的目标。本调查的一个主要目标是提供区域数据，供世界银行的多国数据库使用。因此，本项倡议的固有优势在于，它将使区域利益相关者有机会利用本地和国际数据。通过比较本地数据与其他调查国家的诊断审查，可以制定出本地、国际、小规模和大规模的策略。
地理覆盖范围
---------------------------
全国
分析单位
---------------------------
家庭，个人
总体
---------------------------
目标总体包括居住在西岸和加沙地带的所有年龄在18至65岁之间的巴勒斯坦人。
数据类型
---------------------------
样本调查数据 [ssd]
抽样程序
---------------------------
调查收集了2022年西岸和加沙地带巴勒斯坦人的数据。样本分布为66.8%西岸和33.2%加沙地带。
抽样框架

抽样框架包括目标总体居住的所有地理区域。抽样框架用于选择调查的样本地点。它还包括本地类型的分类（城市、乡村和难民营）以及每个地点的人口规模。这些信息在制定调查样本时被考虑在内。
以下表格提供了根据2007年人口普查数据按省份分布的巴勒斯坦家庭的分布情况：
抽样框架按家庭数量划分：
西岸省份总计家庭数量：
杰宁 47,437
图布斯 9,004
图尔卡雷姆 29,938
纳布卢斯 59,663
卡拉克利亚 16,483
萨尔菲特 11,103
拉马拉
阿尔比赖赫 52,834
耶路撒冷 70,434
伯利恒 32,667
希伯伦 89,919
小计 427,097
加沙地带：
北加沙 40,262
加沙 76,810
代尔巴拉 32,083
汗尤尼斯 43,203
拉法 26,863
小计 219,221
总计 646,318
以下表格显示了按本地类型划分的巴勒斯坦家庭的分布情况：
抽样框架按本地类型划分：
本地类型 家庭数量
城市 472,736
乡村 113,386
难民营 60,196
总计 646,318
框架根据划分部分的同质性分为以下层次：
A）省份：西岸和加沙地带各有16个。
B）本地类型：城市、乡村和难民营。
样本设计和类型

2022人（2022户家庭）的三阶段分层聚类样本。样本设计如下：
1. 第一阶段：选择60个代表性的地点，涵盖所有层次。
2. 第二阶段：从第一阶段选择的每个地点随机选择巴勒斯坦家庭。
3. 第三阶段：在18岁及以上的年龄组内，使用Kish表格从每个家庭中随机选择一人。样本中一半为男性受访者，一半为女性。
样本量
样本量为2022人，涵盖所有巴勒斯坦领土18岁及以上的人口。样本涵盖的主要地区包括：西岸（不包括拉马拉）、拉马拉和加沙地带。样本分布如下：
地区 / 家庭数量
拉马拉和阿尔比赖赫 350
西岸 1000
加沙地带 672
总计 2022
主要关键变量的误差范围约为整个样本量的2.5%，在详细领域应该更大。
样本代表性

研究人员在实地工作中确保样本具有以下代表性：
1）地理代表性：样本分布涵盖西岸所有省份（包括耶路撒冷）和加沙地带，从而提供了全面的地理代表性。
2）经济活动：拉马拉和阿尔比赖赫省份被视为经济和商业中心，因此在样本中相对于其他地区给予更高的权重。
3）经济部门：样本涵盖不同的经济部门，如工业、服务业和商业部门的雇员（通常位于主要城市）、农业部门的工人（乡村地区）以及非正规部门的工人（主要在加沙地带）。
4）贫困水平：样本覆盖贫困地区，根据统计数据提供。一般来说，加沙地带比西岸贫困。此外，难民营和一些西北部的特定地区比其他地区更贫困，上述样本分布提供了对这些地区的覆盖。
5）年龄组：样本涵盖所有18岁以上的年龄组。选择起始年龄为18岁的原因是，在这个年龄段，个人有望开始参与金融交易，因此将涉及金融服务。
6）性别：样本性别平衡；受访者中一半为男性，一半为女性。这符合巴勒斯坦领土的性别分布。
7）基础设施：样本涵盖中心和偏远地区，以保证贫困地区与基础设施良好和服务（包括金融服务）可获得的代表性。
数据收集方式
---------------------------
面对面 [f2f]
研究工具
---------------------------
由世界银行先前开发的标准问卷，由Riyada咨询公司根据巴勒斯坦情况进行了调整。问卷还与当地利益相关者如巴勒斯坦货币管理局、USAID和世界银行的其他部门进行了分享。