Items:

1. An account can be used to save money, to make or receive payments, or to receive wages or financial help. Do you, either by yourself or together with someone else, currently have an account at a bank or another financial institution? Yes or no?

2. AAn [local terminology for ATMdebit card] is a card connected to an account at a financial institution that allows you to withdraw money, and the money is taken out of THAT ACCOUNT right away. Do you, personally, have aan [local terminology for ATMdebit card]? Yes or no? (The respondent must CURRENTLY have aan [local terminology for ATMdebit card])

Response Options:
Yes - 1
No - 2
Don't Know - 3
Refused - 4

(If respondent has an account at a financial institution AND has aan [local terminology for ATMdebit card], continue to Item 3)

(If respondent does NOT have an account at a financial institution or says “don’t know” or refuses but DOES have aan [local terminology for ATMdebit card], Continue to Item 3)

3. Is this [local terminology for ATMdebit card] connected to an account with your name on it?

Response Options:
Yes - 1
No - 2
Don't Know - 3
Refused - 4

3. Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution. Is it:

• Because financial institutions are too far away
  
• Because financial services are too expensive
  
• Because you don’t have the necessary documentation (identity card, wage slip, etc.)
  
• Because you don’t trust financial institutions
  
• Because of religious reasons
  
• Because you don’t have enough money to use financial institutions
  
• Because someone else in the family already has an account
  
• Because you have no need for financial services at a formal institution
  

Response Options:
Yes - 1
No - 2
Don't Know - 3
Refused - 4