Global Financial Inclusion (Global Findex) Database 2017 - Uzbekistan

Abstract
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Financial inclusion is critical in reducing poverty and achieving inclusive economic growth. When people can participate in the financial system, they are better able to start and expand businesses, invest in their children’s education, and absorb financial shocks. Yet prior to 2011, little was known about the extent of financial inclusion and the degree to which such groups as the poor, women, and rural residents were excluded from formal financial systems.

By collecting detailed indicators about how adults around the world manage their day-to-day finances, the Global Findex allows policy makers, researchers, businesses, and development practitioners to track how the use of financial services has changed over time. The database can also be used to identify gaps in access to the formal financial system and design policies to expand financial inclusion.

Geographic coverage
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National coverage

Analysis unit
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Individual

Universe
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The target population is the civilian, non-institutionalized population 15 years and above.

Kind of data
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Observation data/ratings [obs]

Sampling procedure
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The indicators in the 2017 Global Findex database are drawn from survey data covering almost 150,000 people in 144 economies-representing more than 97 percent of the world's population (see Table A.1 of the Global Findex Database 2017 Report). The survey was carried out over the 2017 calendar year by Gallup, Inc., as part of its Gallup World Poll, which since 2005 has annually conducted surveys of approximately 1,000 people in each of more than 160 economies and in over 150 languages, using randomly selected, nationally representative samples. The target population is the entire civilian, noninstitutionalized population age 15 and above. Interview procedure Surveys are conducted face to face in economies where telephone coverage represents less than 80 percent of the population or where this is the customary methodology. In most economies the fieldwork is completed in two to four weeks.

In economies where face-to-face surveys are conducted, the first stage of sampling is the identification of primary sampling units. These units are stratified by population size, geography, or both, and clustering is achieved through one or more stages of sampling. Where population information is available, sample selection is based on probabilities proportional to population size; otherwise, simple random sampling is used. Random route procedures are used to select sampled households. Unless an outright refusal occurs, interviewers make up to three attempts to survey the sampled household. To increase the probability of contact and completion, attempts are made at different times of the day and, where possible, on different days. If an interview cannot be obtained at the initial sampled household, a simple substitution method is used.

Respondents are randomly selected within the selected households. Each eligible household member is listed and the handheld survey device randomly selects the household member to be interviewed. For paper surveys, the Kish grid method is used to select the respondent. In economies where cultural restrictions dictate gender matching, respondents are randomly selected from among all eligible adults of the interviewer's gender.

In economies where telephone interviewing is employed, random digit dialing or a nationally representative list of phone numbers is used. In most economies where cell phone penetration is high, a dual sampling frame is used. Random selection of respondents is achieved by using either the latest birthday or household enumeration method. At least three attempts are made to reach a person in each household, spread over different days and times of day.

The sample size was 1000.

Mode of data collection
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Computer Assisted Personal Interview [capi]

Research instrument
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The questionnaire was designed by the World Bank, in conjunction with a Technical Advisory Board composed of leading academics, practitioners, and policy makers in the field of financial inclusion. The Bill and Melinda Gates Foundation and Gallup Inc. also provided valuable input. The questionnaire was piloted in multiple countries, using focus groups, cognitive interviews, and field testing. The questionnaire is available in more than 140 languages upon request.

Questions on cash on delivery, saving using an informal savings club or person outside the family, domestic remittances, and agricultural payments are only asked in developing economies and few other selected countries. The question on mobile money accounts was only asked in economies that were part of the Mobile Money for the Unbanked (MMU) database of the GSMA at the time the interviews were being held.

Sampling error estimates
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Estimates of standard errors (which account for sampling error) vary by country and indicator. For country-specific margins of error, please refer to the Methodology section and corresponding table in Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess. 2018. The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank

摘要
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金融普惠性对于减少贫困和实现包容性经济增长至关重要。当人们能够参与到金融体系中时，他们更有能力创办和扩展企业，投资于子女的教育，并吸收金融冲击。然而，在2011年之前，关于金融普惠性的广度和深度，以及诸如贫困人口、妇女和农村居民等群体被排除在正式金融体系之外的程度，知之甚少。
通过收集全球成年人日常财务管理详情指标，全球金融指数数据库允许政策制定者、研究人员、企业和开发从业者追踪金融服务使用随时间的变化。该数据库还可以用于识别正式金融体系中的接入差距，并设计扩大金融普惠性的政策。
地理覆盖范围
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国家覆盖范围
分析单元
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个体
总体
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目标总体为15岁及以上的非机构化平民。
数据类型
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观测数据/评级 [obs]
抽样程序
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2017年全球金融指数数据库中的指标来自涵盖144个经济体近15万人的调查数据，代表世界上超过97%的人口（参见全球金融指数数据库2017年报告的附录A.1）。该调查由Gallup, Inc.在2017年全年作为其Gallup世界调查的一部分进行，自2005年以来，每年对超过160个经济体和150多种语言中的约1000人进行调查，使用随机选择的、国家代表性的样本。目标总体为15岁及以上的所有非机构化平民。访谈程序
在电话覆盖率低于80%的经济体或采用传统方法的经济体中，调查以面对面方式进行。在大多数经济体中，实地工作在两周至四周内完成。
在面对面调查的经济体中，抽样第一阶段是识别初级抽样单位。这些单位按人口规模、地理区域或两者结合进行分层，并通过一个或多个抽样阶段实现聚类。在可用人口信息的情况下，样本选择基于与人口规模成比例的概率；否则，使用简单随机抽样。
使用随机路线程序选择抽样家庭。除非有明确的拒绝，否则调查员最多尝试三次对抽样家庭进行调查。为了增加接触和完成调查的概率，在不同时间和可能的不同日子进行尝试。如果无法在初始抽样家庭中获得访谈，则使用简单替换法。
在选定的家庭内，受访者是随机选择的。列出所有合格的户成员，便携式调查设备随机选择要访谈的户成员。对于纸质调查，使用Kish网格法选择受访者。在文化限制要求性别匹配的经济体中，从所有合格的成年受访者中选择随机样本。
在采用电话访谈的经济体中，使用随机数字拨号或国家代表性的电话号码列表。在手机普及率高的经济体中，使用双重抽样框架。通过使用最新的生日或家庭编号法实现受访者的随机选择。至少在每天的不同时间和不同日子对每个家庭中的每个人进行至少三次尝试。
样本量约为1000。
数据收集方式
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计算机辅助个人访谈 [capi]
研究工具
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问卷由世界银行设计，并与由金融普惠领域领先学者、实践者和政策制定者组成的技术咨询委员会共同制定。比尔及梅琳达·盖茨基金会和Gallup Inc.也提供了宝贵的意见。根据请求，问卷可用140多种语言。
仅在发展中国家和少数其他选定的国家中询问现金交付、使用非正式储蓄俱乐部或家庭外人员储蓄、国内汇款和农业支付的问卷。仅在访谈进行时为GSMA的“无银行账户者的移动货币”（MMU）数据库中的经济体询问关于移动货币账户的问题。
抽样误差估计
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标准误差（考虑抽样误差）的估计因国家和指标而异。有关特定国家的误差范围，请参阅方法论部分和相关表格，参见Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar和Jake Hess. 2018. 全球金融指数数据库2017：衡量金融普惠性和金融科技革命。华盛顿特区：世界银行。