Financial Inclusion Questionnaire

GLOBAL FINDEX QUESTIONNAIRE

ENGLISH

Source: Demirguc-Kunt, Asli and Leora Klapper, 2012. “Measuring Financial Inclusion: The Global Findex Database.” World Bank Policy Research Working Paper 6025.

HINDI

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Gallup World Poll 2011 India Face-to-Face Survey 5/31/2011

¼i<+sa½: vxyk Hkkx cSad vkSj fcŸkh; laLFkkvksa ds ckjs esa gSA ge ;g tkuuk pkgrs gSa fd nqfu;k Hkj esa yksx foŸkh; laLFkkvksa dk

iz;ksx dSls djrs gSa vkSj os yksxksa dks fdruh miyC/k gSaA —i;k ;kn j[ksa fd vki tks Hkh lwpuk nsaxs og iw.kZr% xksiuh; jgsxhA

(Read): The next section is about Bank & Financial Institutions. We want to you how people worldover utilize financial institutions and how much is its availability. You must note that whatever information you will provide will be kept completely confidential.

61. D;k vkidk] ;k rks [kqn dk ;k fdlh vU; ds lkFk ekStwnk le; esa fuEu esa ls fdlh txg ,dkmUV gS\ ,dkmUV dk

iz;ksx /ku dh cpr ds fy,] Hkqxrku nsus ;k ysus ds fy,] ;k etnwjh ;k izs"k.k ikus ds fy, fd;k tk ldrk gSA D;k vkids ikl ekStwnk le; esa ¼, vkSj ch i<+sa½ esa ,dkmUV gS\

Currently are holding any account in the following either alone or jointly? The account may be used for savings, receiving or giving payments or for receiving wages or pension. At present do you have account (Read A and B)?

Yes

gkWa No ugha

(DK) ugha tkurk g¡w

(Refused) ¼vLOkhdkj fd;ka½

[WP11623] A. ,d cSad, ØsfMV ;wfu;u ;k dksvkijsfVo lkslkbZVh Bank, Credit Union or Cooperative Society

1 2 3 4

[WP11624] B. iksLV vkWfQl Post Office

1 2 3 4

(If code 1 in Q61A/WP11623, Continue; Otherwise, Skip to Q62a/WP11665)

62. D;k vki viuk ,dkmUV O;fDrxr ysunsu ds fy, iz;ksx djrs gSa] O;kikj ds fy, ;k fQj nksuks ds fy, iz;ksx djrs gSa\ Do you use your account for personal transactions or business purpose or for both?

Personal transactions O;fDrxr ysunsu

Business purposes O;kikj ds fy, Both

(DK) ugha tkurk g¡w


[WP11625] 1 2 3 4 5

62a. ,d ekbØzks Qk;usUl lLFkk ,d ,slh laLFkk gksrh gS tks fd NksVs eksVs yksu nsrh gS] tSls & eqFkwV] ,l ds ,l] LiUnu] ca/ku vkfnA D;k vki fdlh ekbdzks Qk;usUl laLFkk dks tksurs gSa\

A microfinance institution is one which provides small loan amount, such as Muthoot,SKS,Spandan,Bandhan etc. Are you aware about any such microfinance institution?

Yes gkWa No ugha (DK)ugha tkurk g¡w (Refused) ¼vLOkhdkj fd;ka½

[WP11665] 1 2 3 4 Continue (Skip to Q63a/WP11626)

62b. fiNys 12 ekg esa] D;k vkius fdlh ekbØksQkbusUl laLFkk ls dksbZ /ku m/kkj fy;k gS\In last 12 months have you taken any monetary loan from any microfinance institution?


[WP11666] 1 2 3 4

62c. fiNys 12 ekg esa] D;k vkius fdlh ekbØzksQkbusUl laLFkk eas dksbZ /ku cpr fd;k gS\In last 12 months have saved any money with micro finance institution?


ENGLISH HINDI



2

Yes gkWa No ugha (DK)ugha tkurk g¡w (Refused) ¼vLOkhdkj fd;ka½ [WP11667] 1 2 3 4

63a. ,d MsfcV dkMZ] ftldks dHkh dHkh ,Vh,e dkMZ Hkh dgrs gS] ,d ,slk dkMZ gksrk gS tks fd vnk;xh ds fy,] iSlk izkIr djus ds fy, ;k lkeku [kjhnus ds fy, iz;ksx fd;k tkrk gS vkSj rqjUr gh iSlk vkids cSad [kkrs ls fudky fy;k tkrk gSA

A debit card, which sometimes also called a ATM card, is a type of card which may be used for payment or getting money or buying goods and the money is instantly debited from the users bank account.

D;k vkids ikl MsfcV dkMZ gS\Do you hold a debit card?


[WP11626] 1 2 3 4

63b. ,d ØsfMV dkMZ] MsfcV dkMZ dh gh rjg gksrk gS ysfdu blesa iSlk lh/ks vkids cSad ,dkmUV ls rqjUr ugha fudkyk tkrkA vkidks Hkqxrku djus ds fy, ;k lkeku [kjhnus ds fy, ØsfMV feyrk gS vkSj vki ml 'ks"k jkf’k dks ckn esa vnk dj ldrs gSaAA credit card is like a debit card but the cash is not debited instantly from the account. For paying or buying goods one gets a credit and the spend amount can be paid later.

D;k vkids ikl ØsfMV dkMZ gS\Do you hold a credit card?


(If code 1 in Q61A/WP11623, Q61B/WP11624, Q62c/WP11667,

Q63a/WP11626, or Q63b/WP11627, Continue; Otherwise, Skip to Q70/Text before WP11638)

¼i<+sa½: vc] vius lHkh O;fDrxr foŸkh; [kkrksa ds ckjs esa lkspsa-------- (Read): Now, think about all your personal financial accounts……

64. ,d lkekU; ekg esa] vkids O;fDrxr [kkrs@[kkrksa esa fdruh ckj iSlk tek fd;k tkrk gS\ blesa udn ;k bysDVªkfud tek ;k vkids }kjk ;k vU; ds }kjk vkids [kkrs esa iSlk tek djuk ’kkfey gSA ¼i<+sa 1&4½In an ordinary month, how many times do you deposit money in your personal account(s)? This includes depositing cash or electronic deposit, or any time depositing money by you or someone else. (Read 1–4)

0 1-2 times 1&2 ckj

3-5 times 3&5 ckj

6 times or more 6 ckj ;k T;knk

(DK)ugha tkurk g¡w


[WP11628] 1 2 3 4 5 6

65. ,d lkekU; ekg esa] vkids O;fDrxr [kkrs@[kkrksa ls fdruh ckj iSlk fudkyk tkrk gS\ blesa udn fudkyuk ;k bysDVªkfud Hkqxrku ;k [kjhnnkjh] psd ;k vU; vkids }kjk ;k vU; ds }kjk vkids [kkrs esa iSlk fudkyk tkuk 'kkfey gSA ¼i<+sa 1&4½In an ordinary month, how many times do you withdraw money from your personal account(s)? This includes withdrawing cash or electronic payment, or purchase, cheques or any other time withdrawl of money by you or someone else. (Read 1–4)

0 1-2 times 1&2 ckj

3-5 times 3&5 ckj

6 times or more 6 ckj ;k T;knk

(DK)ugha tkurk g¡w


[WP11629] 1 2 3 4 5 6


ENGLISH HINDI



3

66. Tkc vkidks vius [kkrs ls udn dh t#jr gksrh gS ¼isij ;k flDdk½] rks D;k vki bls lkekU;r%----¼i<+sa 1&4½ ikrs gSa\If you need cash (paper or coins) from your account(s) you usually get it (Read 1-4)?

At an

ATM ,d

,Vh,e ij

Over the counter in a branch of

your bank or financial

institution vkius cSad ;k

foŸkh; laLFkk dh 'kk[kk ds

dkmUVj ls

Over the

counter at a

retail store, or ,d

fjVsy LVksj ds dkmUVj

ls

From some other person

who is associated with your bank or

financial institution fdlh vU; O;fDr ls tks fd vkids cSad ;k foŸkh; laLFkk ls tqM+k

gqvk gSa

DO NOT READ:

(Do not withdraw cash)

udn ugha fudkyrs

(DK)ugha tkurk g¡w


[WP11630] 1 2 3 4 5 6 7

67. Tkc vki vius [kkrs esa udn tek djrs gSa ¼isij ;k flDdk½] rks vki bls lkekU;r% dSls djrs gSa ¼i<+sa 1&4½\If you need to deposit cash (paper or coins) in your account(s) you usually do it (Read 1-4)?

At an

ATM ,d

,Vh,e ij

Over the counter in a branch of

your bank or financial

institution vkius cSad ;k

foŸkh; laLFkk dh 'kk[kk ds

dkmUVj ls

Over the

counter at a

retail store, or ,d

fjVsy LVksj ds dkmUVj

ls

Using some other person

who is associated with your bank or

financial institution fdlh vU; O;fDr ls tks fd vkids cSad ;k foŸkh; laLFkk ls tqM+k

gqvk gSa

DO NOT READ:

(Do not Deposit cash) udn

tek ugha djrs

(DK)ugha tkurk g¡w


[WP11631] 1 2 3 4 5 6 7

68. fiNys 12 ekg esa D;k vkius fcy dh vnk;xh ;k vius [kkrs ds iSls ls lkeku [kjhnus ds fy, fuEu esa ls fdlh rjhds dk bLrseky fd;k gS\ ¼i<+sa A-B½In past 12 months have you used any of the following for making bill payments or buying goods by using money from your account(s)? (Read A-B)

Yes gkWa

No ugha

(DK)ugha tkurk g¡w


[WP11632] A. psd Cheques 1 2 3 4 [WP11633] B. bysDVªkfud Hkqxrku tks vki djrs gSa ;k Lo;a gks

tkrk gS] ftuesa ok;j VªkUlQj ;k vkWuykbu Hkqxrku 'kkfey gS Electronic payments that you make or that are done automatically, including wire transfers and payments one online

1 2 3 4

69. fiNys 12 ekg esa D;k vkius vius [kkrs@[kkrksa dk iz;ksx fuEu ds fy, fd;k gS ¼i<+sa A-D½\


ENGLISH HINDI



4

In past 12 months, have used your account(s) to (Read A-D)?

Yes gkWa

No ugha

(DK)ugha tkurk g¡w


[WP11634] A. dk;Z ds fy, ;k lkeku cspus ds ifj.kkeLo#i iSlk ;k Hkqxrku izkIr djuk

Receiving money or payments for work or selling of goods

1 2 3 4

[WP11635] B. ljdkj ls iSlk ;k Hkqxrku izkIr djuk Receiving money or payments from

Government 1 2 3 4

[WP11636] C. dgha vkSj jg jgs ikfjokfjd lnL;ksa ls iSlk izkIr djuk

Receive money from family members living elsewhere

1 2 3 4

[WP11637] D. dgha vkSj jg jgs ikfjokfjd lnL;ksa dks iSlk Hkstuk

Send money to family members living elsewhere

1 2 3 4

(All in Q69, Skip to Q71/WP11645)

70. —i;k eq>s crk,a fd D;k fuEu esa ls izR;sd ,sls dkj.k gSa ftlls vki O;fDrxr #i ls cSad] ØsfMV ;wfu;u ;k vU; foŸkh; laLFkk esa [kkrk ugha j[krsA ¼i<+sa vkSj ?kqek,a A-G½

Please tell me whether each of the following is reason why you personally do not have an account in a bank, credit union or any other financial institution. (Read and rotate A-G)

Yes gkWa

No ugha

(DK)ugha tkurk g¡w


[WP11638] A. os cgqr nwj gSa They are too far 1 2 3 4 [WP11639] B. os cgqr egaxs gSa They are too expensive 1 2 3 4 [WP11640] C. vkids ikl vko';d dkxtkr ugha gSa ¼igpku

i=] ikfjJfed iphZ½ You do not have the necessary documents (ID card, wage slip)

1 2 3 4

[WP11641] D. vkidks mu ij fo'okl ugha gS You do not trust them

1 2 3 4

[WP11642] E. mUgsa iz;ksx djus ds fy, vkids ikl Ik;kZIr iSlk ugha gS You do not have enough money to use them

1 2 3 4

[WP11643] F. /kkfeZd dkj.kksa l Because of religious reasons

1 2 3 4

[WP11644] G. D;ksafd ifjokj esa fdlh vkSj ds ikl igys ls gh ,d [kkrk gS

Because someone else in the family already has a account

1 2 3 4

71. fiNys 12 ekg esa D;k vkius dqN /ku cpk;k gS ;k vyx j[kk gS\In past 12 months, have you saved or set aside any money?


[WP11645] 1 2 3 4 Continue (Skip to Q74/ Text before WP11651)


ENGLISH HINDI



5

72. fiNys 12 ekg esa D;k vkius fuEufyf[kr ds fy, cpr fd;k gS\ ¼i<+sa A-B½In past 12 months have you saved money for (Read A-B)?

Yes gkWa

No ugha

(DK)ugha tkurk g¡w


[WP11646] A. Hkfo"; ds [kpsZ tSls fd f'k{kk] 'kknh ;k dksbZ cM+h [kjhnnkjh

Expenses for the future such as education, wedding, or a big purchase

1 2 3 4

[WP11647] B. vkdfLed ;k ,sls le; ds fy, tc vki lksprs gSa fd de vkenuh gksxh

Emergencies or a time when you expect that income would be less

1 2 3 4

73. fiNys 12 ekg esa D;k vkius fuEufyf[kr ds }kjk dqN /ku cpk;k gS ;k vyx fd;k gS\ ¼i<+sa A-B½ In past 12 months, have you saved or set aside any money by (Read A-B)?

Yes gkWa

No ugha

(DK)ugha tkurk g¡w


[WP11648] A. cSad ;k ØsfMV ;wfu;u ds [kkrs dk iz;ksx djrs gq, ;k ekbØzks Qk;usUl lLFkk dk iz;ksx djrs gq, Using an account in bank or credit union or microfinance institution

1 2 3 4

[WP11649] B. ,d vukSipkkfjd cpr dsUnz ;k ifjokj ds ckgj ds fdlh O;fDr dk iz;ksx djrs gq, ¼tSls& fpV QaM½ Using a an informal savings centre or from someone outside the family (like a chit fund)

1 2 3 4

74. fiNys 12 ekg esa D;k vkius fuEufyf[kr ls dqN /ku m/kkj fy;k gS ¼i<+sa A-E½ \ In past 12 months, have you borrowed any money from (Read A-E)?

Yes gkWa

No ugha

(DK)ugha tkurk g¡w


[WP11651] A. ,d cSad ;k ØsfMV ;wfu;u ¼tSls& dksvkijsfVo lkslkbZVht½ ;k ekbØks Qk;usUl lLFkk A bank or credit union or micro finance institution

1 2 3 4

[WP11652] B. ,d LVksj ls fdLr ij m/kkj lk ØsfMV ij [kjhnnkjh A store by using installment credit or buying on credit

1 2 3 4

[WP11653] C. ifjokj ;k fe= Family or friend

1 2 3 4

[WP11654] D. jkstxkjnkrk Employer

1 2 3 4

[WP11655] E. vU; futh m/kkjnkrk tSls C;kt ij iSlk nsus okys Other private money lender like

someone lending money with interest 1 2 3 4

75. D;k vkius fuEu fdlh Hkh dkj.k ls ekStwnk le; esa dksbZ yksu fy;k gS ;k fdlh yksu Hkqxrku jgs gS\ ¼i<+sa A-E½


ENGLISH

** Question omitted in high income economies.

HINDI



6

Currently have you taken and repaying any loan for the following reasons? (Read A–E)

Yes gkWa

No ugha

(DK)ugha tkurk g¡w


[WP11656] A. viuk ?kj ;k vikVZesUV [kjhnus ds fy, For buying your house or

appartment 1 2 3 4

[WP11668] B. vius ?kj ;k vikVZesUV dks cukus] c<k+us ;k uohuhdj.k ds fy, lkeku ;k lsok [kjhnus gsrq

For buying goods and services for building,extension or renovation of your house or apartment

1 2 3 4

[WP11669] C. Ldwy dk 'kqYd r Hkqxrku ds fy, To pay fees and other school related expenses

1 2 3 4

[WP11670] D. vkdfLed@LokLF; mís’;ksa ds fy, For emergency/health purposes

1 2 3 4

[WP11671] E. vafre laLdkj@'kknh C;kg ds fy, For performing last rites/marriage

1 2 3 4

75a1. fiNys 12 ekg esa D;k vkius fuEufyf[kr ds fy, eksckbZy Qksu dk iz;ksx fd;k gS ¼i<+sa A-C½ \ In last 12 months have you used mobile for (Read A-C)?

Yes gkWa

No ugha

(DK)ugha tkurk g¡w


[WP11672] A. fcy Hkqxrku For payment of bill 1 2 3 4 [WP11673] B. iSlk Hkstuk For sending money 1 2 3 4 [WP11674] C. iSlk izkIr djuk For receiving money 1 2 3 4

76. LokLF; chek ds , D;k vkids ikl O;fDrxr #i ls dksbZ LokLF; ;k fpfdRlk chek gS\ In addition to National Health Insurance, do you personally have any health or

medical insurance?


Continue (Skip to Read before Q78/WP10931)

77. D;k vkius bl chek dks O;fDrxr #i ls [kjhnk gS\ Have you purchased this insurance personally?


D4a. fiNys 12 ekg esa D;k vkius O;fDrxr #i ls Qly] o"kkZ ;k tkuojksa dh chek ds fy, vnk fd;k gS\ In last 12 months have you personally paid for any insurance for crop, rain or

livestocks?

Yes gkWa No ugha (DK)ugha tkurk g¡w (Refused)¼vLOkhdkj fd;ka½ [WP11659] 1 2 3 4

Financial Inclusion Questionnaire

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