Measuring Household Usage of Financial Services : Does it Matter How or Whom You Ask?

Cull, Robert; Scott, Kinnon

dc.creator	Cull, Robert
dc.creator	Scott, Kinnon
dc.date	2012-03-30T07:12:38Z
dc.date	2012-03-30T07:12:38Z
dc.date	2010-08-30
dc.date.accessioned	2023-02-18T19:41:53Z
dc.date.available	2023-02-18T19:41:53Z
dc.identifier	World Bank Economic Review
dc.identifier	1564-698X
dc.identifier	http://hdl.handle.net/10986/4520
dc.identifier.uri	http://localhost:8080/xmlui/handle/CUHPOERS/250005
dc.description	In recent years, the number of surveys on access to and use of financial services has multiplied, but little is known about whether the data generated are comparable across countries or within the same country over time. A randomized experiment in Ghana tested whether the identity of the respondent and the inclusion of product-specific cues in questions affect reported rates of use of financial services. Rates of household use are almost identical whether the head reports on behalf of the household or whether the rate is tabulated from a full enumeration of household members. A less complete summary of household use of financial services results when randomly selected informants (nonheads of household) provide the information. For credit from formal institutions, informal sources of savings, and insurance, reported use is higher when questions are asked about specific financial products rather than about the respondent's dealings with types of financial institutions. In short, who is asked the questions and how the questions are asked both matter.
dc.publisher	World Bank
dc.rights	CC BY-NC-ND 3.0 IGO
dc.rights	http://creativecommons.org/licenses/by-nc-nd/3.0/igo
dc.rights	World Bank
dc.subject	balance sheets
dc.subject	banks
dc.subject	collateral
dc.subject	credit histories
dc.subject	debt
dc.subject	deposit
dc.subject	depositors
dc.subject	deposits
dc.subject	economic growth
dc.subject	financial depth
dc.subject	financial institutions
dc.subject	financial products
dc.subject	financial sector development
dc.subject	financial services
dc.subject	financial system
dc.subject	international bank
dc.subject	loan
dc.subject	outreach
dc.subject	savings
dc.subject	transaction costs
dc.title	Measuring Household Usage of Financial Services : Does it Matter How or Whom You Ask?
dc.type	Journal Article
dc.type	Journal Article
dc.coverage	Ghana