From: How does financial literacy impact on inclusive finance?
Variables | Definition and Measurement |
---|---|
Common variables | |
Profession | The profession of the respondents (1 = Job, 0 = Business) |
Education | The educational level of the respondents (Higher education = 5, Below HSC = 4, Below SSC = 3, Primary = 2, No = 1) |
Income | The income range of the respondents (50,000 Plus = 5, 30,000–50,000 = 4, 20,000–30,000 = 3, 10,000–20,000 = 2, Below 10,000 = 1) |
Banking variables | |
Bank account | Whether the respondent has a bank account or not (dummy) |
Deposit & withdraw ability | Respondents' ability to deposit into a bank account (dummy) |
Bank training | Whether the respondents have training on banking services (dummy) |
Kn DPS & loan | The knowledge level of respondents on bank deposits or savings (Excellent = 5, Very Good = 4, Good = 3, Fair = 2, Poor = 1) |
Kn DPS & Loan Int. rate | The knowledge level of respondents on saving interest rate (Excellent = 5, Very Good = 4, Good = 3, Fair = 2, Poor = 1) |
Kn of security money | The knowledge level of respondents on bank security money (Excellent = 5, Very Good = 4, Good = 3, Fair = 2, Poor = 1) |
Bank Kn instalments | The knowledge level of respondents on bank instalments (Excellent = 5, Very Good = 4, Good = 3, Fair = 2, Poor = 1) |
Microfinance variables | |
Microfinance account | Whether the respondent has a Microfinance or NBFIs account (dummy) |
Deposit & withdraw ability | Respondents' ability to deposit money to their account (dummy) |
MF training | Whether the respondents have training on different services relating to microfinance or NBFIs (dummy) |
Kn savings & loan | The knowledge level of respondents on deposits or savings to micro-finance (Excellent = 5, Very Good = 4, Good = 3, Fair = 2, Poor = 1) |
Kn savings & loan Int, rate | The knowledge level of respondents on the micro-finance saving interest rate (Excellent = 5, Very Good = 4, Good = 3, Fair = 2, Poor = 1) |
Kn security money | The knowledge level of respondents on micro-finance security money (Excellent = 5, Very Good = 4, Good = 3, Fair = 2, Poor = 1) |
Kn installment | The knowledge level of respondents on micro-finance instalments (Excellent = 5, Very Good = 4, Good = 3, Fair = 2, Poor = 1) |
FinTech variables | |
FinTech account | Whether the respondent has a mobile banking account (dummy) |
Send & withdraw money | Whether the user can send money to others account (dummy) |
FT training | Whether the users have training on mobile banking (dummy) |
FT bill pay | The ability to pay different bills of government services such as electricity bills, gas bills, and other government services bill (dummy) |
FT software use | Whether the respondents can operate the software or they use the key-press options (dummy) |
FT online deal | Whether the respondents can deal in online shopping with their mobile banking account (dummy) |