Login
Login
Microdata Library
  • Home
  • Collections
  • Citations
  • Terms of Use
  • About
  • News
  • Synthetic Data
    Home / Central Data Catalog / WBG / WBG_WBG_2011_FLS_V01_M
WBG

Financial Literacy and Consumer Awareness Survey 2011

West Bank and Gaza, 2011
Get Microdata
Reference ID
WBG_WBG_2011_FLS_v01_M
Producer(s)
Riyada Consulting and Training
Collections
The World Bank Microdata Library
Metadata
Documentation in PDF DDI/XML JSON
Created on
May 19, 2021
Last modified
May 19, 2021
Page views
19041
Downloads
992
  • Study Description
  • Data Dictionary
  • Downloads
  • Get Microdata
  • Data files
  • WestBank_Gaza_financial_literacy

Data file: WestBank_Gaza_financial_literacy

1. This file contains all the data from the questionnaire, which include 20 descriptive variables about the respondent followed by his/her response to the survey questions under 8 categories, including financial market and services related questions, financial education and literacy related questions, and household financial management questions.
a. Before the survey-related questions, there are three questions (O1, O2, O3) in the survey under the heading “Refusals” which discuss why the respondent did not take the survey. The results of these questions are not given in the dataset.

2. For multiple choice questions, each selection made by the individual is saved as a unique variable. For instance, question C6 allowed for multiple choices and if a person selected 3 of the given options: a, d and f; then his selection will be marked as “yes” for C6_a, C6_d and C6_f while his selection will be marked as “no” for C6_b, C6_c, C6_e, C6_g, C6_h, C6_i, C6_j and C6_k

3. D11 is a multiple choice question but the data contains only one variable which track one choice of the respondent.

4. Questions that required text responses, especially questions with “Other…” option, have data in the regional language, i.e., not in English. The questions with these responses are P4, P5, P8, G2_f_text, G3_a, G3_b, G3_c, G12_5, H2

Cases: 2022
Variables: 308

Variables

NUMBER
serial number
p1
P-1 Exact time of the survey start: hour, minute
p2
P-2 ordinal number of the survey
p3
P-3 date of survey
p4
P-4 interviewer’s name and surname
p5
P-5 coordinator’s name and surname
p6
P-6 region
region_WBG
region west bank and gaza strip
p7
P-7 Governorate
p8
P-8 neighbourhood
p9
P-9 type of Locality
p10
P-10 Locality size
p11
P-11 Nationality
p12
P-12 Age
p13
P-13 Gender
p14
P-14 Highest Level of Education Attained
p15
P-15 Current Main Occupation Status
p16
P-16 Main Occupation (Sector)
p17
P-17 Number of family members living in the Household
p18
P-18 Position in Household
A1
A1. As a whole, how satisfied are you with your life nowadays?
A2
A2. How do you think your life is going to be over the next 12 months?
A3_a
A3a. Read a national newspaper?
A3_b
A3b. Listen to the Radio
A3_c
A3c. Watch TV
A4
A4. Do you know how to use a computer?
A4_a
A4a. How often do you use the Internet including e-mail (electronic mail)
B1_a
B1a. How familiar are you with the Palestinian Monetary Authority
B1_b
B1b. How familiar are you with the Commercial banks
B1_c
B1c.How familiar are you with the Insurance companies
B1_d
B1d.How familiar are you with the Brokerage houses
B1_e
B1e.How familiar are you with the Mutual help / Community based associations
B1_f
B1f How familiar are you with the Cooperatives
B1_g
B1g. How familiar are you with the Leasing companies
B1_h
B1h.How familiar are you with the Other, non-banking financial institutions such
B1_i
B1i. How familiar are you with the The Consumer Protection Agency
B1_j
B1j. How familiar are you with the Palestine Capital Markets Authority
B1_k
B1k. How familiar are you with the Association of Banks of Palestine
B1_l
B1l. How familiar are you with the Palestine Insurance Federation
B1_m
B1m.How familiar are you with the Money Changers
B2_a
B2a. How much do you trust the Palestinian Monetary Authority
B2_b
B2b. How much do you trust the Commercial banks
B2_c
B2c. How much do you trust the Insurance companies
B2_d
B2d. How much do you trust the Brokerage houses
B2_e
B2e. How much do you trust the Mutual help / Community based associations
B2_f
B2f. How much do you trust the Leasing companies
B2_g
B2g. How much do you trust the Other, non-banking financial institutions such as
B2_h
B2h. How much do you trust the The Consumer Protection Agency
B3_a
B3a. Generally, how would you assess the quality of financial services offered by
B3_b
B3b. Generally, how would you assess the quality of financial services offered by
B3_c
B3c. Generally, how would you assess the quality of financial services offered by
B3_d
B3d. Generally, how would you assess the quality of financial services offered by
B3_e
B3e. Generally, how would you assess the quality of financial services offered b
B3_f
B3f. Generally, how would you assess the quality of financial services offered by
B4_a
B4a.If a conflict with a financial organization How sure are you in a quick dispu
B4_b
B4b.If a conflict with a financial organization How sure are you in a just dispu
B5
B5. What factor would be most important for you if you were to open a bank saving
B6
B6. What factor would be most important for you if you were to take out a loan fr
c1_a
C1a.What trends from the ones given below do you follow personally?Changes in the
c1_b
C1b.What trends from the ones given below do you follow personally?Changes of quo
c1_c
C1c.What trends from the ones given below do you follow personally?Changes of int
c1_d
C1d. What trends from the ones given below do you follow personally?Changes of in
c1_e
C1e. What trends from the ones given below do you follow personally?Changes in th
c1_f
C1f.What trends from the ones given below do you follow personally?Changes in the
c1_g
C1g.What trends from the ones given below do you follow personally?Price fluctuat
c2_a
C2a.What is your main source of information in Changes in the property market
c2_b
C2b.What is your main source of information in Changes of quotations and indices
c2_c
C2c.What is your main source of information in Changes of interest rates on depos
c2_d
C2d. What is your main source of information in Changes of interest rates on cred
c2_e
C2e. What is your main source of information in Changes in the inflation rate
c2_f
C2f.What is your main source of information in Changes in the level of public pen
c2_g
C2g.What is your main source of information in Price fluctuations for oil, gold,
C3
C3. Do you know that the Institution of the Ombudsmen for Consumer Protection exi
C4_a
C4a. During the last 12 months, how many personal contacts or contacts through ph
C4_b
C4b.During the last 12 months, how many personal contacts or contacts through pho
C4_c
C4c. During the last 12 months, how many personal contacts or contacts through ph
C4_d
C4d. During the last 12 months, how many personal contacts or contacts through ph
C4_e
C4e. During the last 12 months, how many personal contacts or contacts through ph
C4_f
C4f. During the last 12 months, how many personal contacts or contacts through ph
C4_g
C4g. During the last 12 months, how many personal contacts or contacts through ph
C5
C5. When you meet your relatives, colleagues, friends, how often do you talk abou
C6_a
C6a.do you see as the most suitable for delivering financial literacy programs in
C6_b
C6b .do you see as the most suitable for delivering financial literacy programs i
C6_c
C6c.do you see as the most suitable for delivering financial literacy programs in
C6_d
C6d.do you see as the most suitable for delivering financial literacy programs in
C6_e
C6e.do you see as the most suitable for delivering financial literacy programs in
C6_f
C6f. do you see as the most suitable for delivering financial literacy programs i
C6_g
C6g. do you see as the most suitable for delivering financial literacy programs i
C6_h
C6h. do you see as the most suitable for delivering financial literacy programs i
C6_i
C6i. do you see as the most suitable for delivering financial literacy programs
C6_j
C6j. do you see as the most suitable for delivering financial literacy programs i
C6_k
C6k. do you see as the most suitable for delivering financial literacy programs i
C6_k_text
C6k. do you see as the most suitable for delivering financial literacy programs i
C7_a
C7a. How to form one’s own financial targets and draw a personal current financia
C7_b
C7b. How to manage debt
C7_c
C7c. How to plan purchases of durables (car, house)
C7_d
C7d. How does the pension scheme work and what methods are available to secure on
C7_e
C7e. Banking services – current accounts, saving deposits, and plastic cards
C7_f
C7f. Consumer credits to purchase goods and services
C7_g
C7g. Mortgage loans
C7_h
C7h. Insurance and insurance products
C7_i
C7i. Private pension funds
C7_j
C7j. Capital markets, stock and unit fund shares
C7_k
C7k. How to interpret and differentiate financial advertising information
C7_l
C7l. What parameters are used to compare the services offered by banks and other
C7_m
C7m. What consumer rights protection laws are available and what one needs to do
C7_n
C7n. What information should a user pay attention to when signing a contract with
C8
C8 How often do you compare the terms and conditions for provision of financial s
C9_a
C9a. sources of information do you pay attention to when choosing a company to bu
C9_b
C9b. sources of information do you pay attention to when choosing a company to bu
C9_c
C9c. sources of information do you pay attention to when choosing a company to bu
C9_d
C9d.sources of information do you pay attention to when choosing a company to buy
C9_e
C9e. sources of information do you pay attention to when choosing a company to bu
C9_f
C9f. sources of information do you pay attention to when choosing a company to bu
C9_g
C9g.sources of information do you pay attention to when choosing a company to buy
C9_h
C9h. sources of information do you pay attention to when choosing a company to b
C9_i
C9i. sources of information do you pay attention to when choosing a company to b
C9_j
C9j. sources of information do you pay attention to when choosing a company to
C9_j_text
C9j. sources of information do you pay attention to when choosing a company to b
D1
D1. How would you assess the level of your financial literacy?
D2
D2. Let’s assume that you deposited NIS 10,000 in a bank account at 8% annual int
D3
D3. Let’s assume that in 2012 your income is twice as now, and the consumer price
D4
D4. Let’s assume that you saw a TV-set of the same model on sales in two differen
D5
D5. Ali recently bought accident insurance with NIS 10,000 cover. The next day, h
D6
D6. Ali recently borrowed some money from a local moneylender. He wanted to buy s
D7
D7. Ali does plastering on tall buildings. It is a dangerous job and he is worrie
D8
D8. Laila has a very bright child who is currently in secondary school, but will
D9
D9. Laila has two sons. Her husband and two sons are earning members of the house
D10
D10. Suppose I have a savings account in a bank and the bank closes down for some
D11
D11. In which of the following cases it is appropriate for the government to comp
E1
E1. Do you plan your household’s finances by making a budget or writing down expe
E2
E2. Is your family used to keeping records of income and expenditures?
E3_a
E3a.How often during the last 12 months your household_ remained with unspent mon
E3_b
E3b. How often during the last 12 months your household_remained without money fr
E3_c
E3c. How often during the last 12 months your household_spent in a month exactly
E4_a
E4_a When your household remains with unspent money from month to month, generall
E4_b
E4_b When your household remains with unspent money from month to month, generall
E4_c
E4_c When your household remains with unspent money from month to month, generall
E4_d
E4_d When your household remains with unspent money from month to month, generall
E4_e
E4_e When your household remains with unspent money from month to month, generall
E4_f
E4_f When your household remains with unspent money from month to month, generall
E4_g
E4_g When your household remains with unspent money from month to month, generall
E4_h
E4_h When your household remains with unspent money from month to month, generall
E4_i
E4_i When your household remains with unspent money from month to month, generall
E4_j
E4_j When your household remains with unspent money from month to month, generall
E4_k
E4_k When your household remains with unspent money from month to month, generall
E4i_text
E4l. Is there any other way that you spend the money from the previous month?_tex
E5_a
E5 a. When your household runs out of money from month to month, generally, what
E5_b
E5 b. When your household runs out of money from month to month, generally, what
E5_c
E5 c. When your household runs out of money from month to month, generally, what
E5_d
E5 d. When your household runs out of money from month to month, generally, what
E5_e
E5 e. When your household runs out of money from month to month, generally, what
E5_f
E5 f. When your household runs out of money from month to month, generally, what
E5_g
E5 g. When your household runs out of money from month to month, generally, what
E5_h
E5 h. When your household runs out of money from month to month, generally, what
E5_i
E5 i. When your household runs out of money from month to month, generally, what
E5_j
E5 j. When your household runs out of money from month to month, generally, what
E5k
E5k. Is there any other way that you get by when you run out of money in between
E6
E6. Please tell us whether there are such families among your acquaintances or fr
E7
E7. Did you household experience an unexpected significant reduction of your inco
E7a_a
E7a_ a. How did you manage to make ends meet when your income suddenly dropped?Lo
E7a_b
E7a_ b. How did you manage to make ends meet when your income suddenly dropped?Lo
E7a_c
E7a_ c. How did you manage to make ends meet when your income suddenly dropped?Co
E7a_d
E7a_ d. How did you manage to make ends meet when your income suddenly dropped?Oc
E7a_e
E7a_ e. How did you manage to make ends meet when your income suddenly dropped?Br
E7a_f
E7a_ f. How did you manage to make ends meet when your income suddenly dropped?Re
E7a_g
E7a_ g. How did you manage to make ends meet when your income suddenly dropped?Ot
E7b_a
E7b_ a. How did you manage to make ends meet when your income suddenly dropped?We
E7b_b
E7b_ b. How did you manage to make ends meet when your income suddenly dropped?We
E7b_c
E7b_ c. How did you manage to make ends meet when your income suddenly dropped?We
E7b_d
E7b_ d. How did you manage to make ends meet when your income suddenly dropped?We
E7b_e
E7b_ e. How did you manage to make ends meet when your income suddenly dropped?We
E7b_f
E7b_ f. How did you manage to make ends meet when your income suddenly dropped?We
E7b_g
E7b_ g. How did you manage to make ends meet when your income suddenly dropped?We
E7b_h
E7b_ h. How did you manage to make ends meet when your income suddenly dropped?We
E7b_i
E7b_ i. How did you manage to make ends meet when your income suddenly dropped?We
E7b_j
E7b_ j. How did you manage to make ends meet when your income suddenly dropped?We
E7b_k
E7b_ k. How did you manage to make ends meet when your income suddenly dropped?Ot
E8
E8. How often during the last 12 months your household had to borrow to pay back
E9
E9. Would you please say whether your household has any debts now?
E9a
E9A. Compared to your total monthly household income, approximately how much tota
E9b
E9B. Compared to your total monthly household income, approximately how much mone
E10_a
E10 a. Let’s assume that in addition to your regular income your family gets some
E10_b
E10 b. Let’s assume that in addition to your regular income your family gets some
E10_c
E10 c. I’ll make long-term savings to accumulate money for more expensive things
E10_d
E10 d. Let’s assume that in addition to your regular income your family gets some
E10_e
E10 e. Let’s assume that in addition to your regular income your family gets some
E10_f
E10 f. Let’s assume that in addition to your regular income your family gets some
E10_g
E10 g. Let’s assume that in addition to your regular income your family gets some
E10_h
E10 h. Let’s assume that in addition to your regular income your family gets some
E10_i
E10 i. Let’s assume that in addition to your regular income your family gets some
E10_j
E10 j. Let’s assume that in addition to your regular income your family gets some
E10_k
E10 k. I’ll buy an insurance policy for myself or the family, spend it on volunta
E10_l
E10 l. Let’s assume that in addition to your regular income your family gets some
E10_m
E10 m. Let’s assume that in addition to your regular income your family gets some
E10_n
E10 n. Let’s assume that in addition to your regular income your family gets some
E10_o
E10 o. Let’s assume that in addition to your regular income your family gets some
E10_p
E10 p. Let’s assume that in addition to your regular income your family gets some
E11
E11. Does your household have any savings?
E11a
E11A. Comparing to your total monthly household income, approximately how much ar
E11b_1
E11B 1. What are your reasons to save? For a rainy day, for unexpected expenses
E11b_2
E11B 2. What are your reasons to save?For retirement
E11b_3
E11B 3. What are your reasons to save?To leave something for children to inherit
E11b_4
E11B 4. What are your reasons to save?To get income in the form of interest, incr
E11b_5
E11B 5. What are your reasons to save?To increase my living standards in the futu
E11b_6
E11B 6. What are your reasons to save?I like saving rather than spending money
E11b_7
E11B 7. What are your reasons to save?This is a family tradition
E11b_8
E11B 8. What are your reasons to save?Don’t know
E11b_9
E11B 9. What are your reasons to save?Other......................................
E12_1
E12 1. What are the reasons for not saving? I don’t trust financial institutions
E12_2
E12 2.What are the reasons for not saving? I cannot do this because of a low inc
E12_3
E12 3. What are the reasons for not saving? I don’t see the point of having savin
E12_4
E12 4. What are the reasons for not saving? I cannot resist the temptation to sp
E12_5
E12 5. What are the reasons for not saving? Other...
E12_6
E12 6.What are the reasons for not saving? Don’t know
E12_5_text
E12 5. What are the reasons for not saving? Other................................
F1
F1. Last month, the total amount received from salaries, pensions, child allowanc
F2
F2. And the total amount received by the respondent (RESP=01) was approximately
G1_1
G1 1.What type of financial services do you use? Consumer loan
G1_2
G1 2. What type of financial services do you use?Mortgage loan
G1_3
G1 3. What type of financial services do you use?Current account
G1_4
G1 4. What type of financial services do you use?Bank deposit
G1_5
G1 5. What type of financial services do you use?Bank debit card
G1_6
G1 6. What type of financial services do you use?Bank credit card
G1_7
G1 7. What type of financial services do you use?Insurance policies
G1_8
G1 8. What type of financial services do you use?Private pensions
G1_9
G1 9.What type of financial services do you use? Investments in shares
G1_10
G1 10. What type of financial services do you use?Investment funds
G1_11
G1 11.What type of financial services do you use? Loans from Mutual Help Associa
G1_12
G1 12. What type of financial services do you use?Car/ terrain loans
G1_13
G1 13. What type of financial services do you use?Pawning goods
G1_14
G1 14. What type of financial services do you use?Loans from microcredit organiza
G1_15
G1 15. What type of financial services do you use?Loans from usurers
G1_16
G1 16. What type of financial services do you use?Loans from relatives, friends,
G1_17
G1 17.What type of financial services do you use? Buying on credit (informally) f
G1_18
G1 18. What type of financial services do you use?Buying on credit from the elect
G1_19
G1 19.What type of financial services do you use?Money Changers
G1_20
G1 20.What type of financial services do you use?Non-of the mentioned
G2_a
G2a.type of insurances policies do you have life insurance
G2_b
G2b. type of insurances policies do you havemedical insurance
G2_c
G2c. type of insurances policies do you havehouse insurance
G2_d
G2d. type of insurances policies do you havecar insurance
G2_e
G2e. type of insurances policies do you haveterrains and/ or crop insurance
G2_f
G2f. type of insurances policies do you haveother................................
G2_f_text
G2f. type of insurances policies do you haveother................................
G3_a
G3a. Name of the bank or non-banking financial institution
G3_b
G3b. Name of the bank or non-banking financial institution
G3_c
G3c. Name of the bank or non-banking financial institution
G4_a
G4a. Loan term (no of months)
G4_b
G4b. Loan term (no of months)
G4_c
G4c. Loan term (no of months)
G5_a
G5a. Loan type
G5_b
G5b. Loan type
G5_c
G5c. Loan type
G6_a
G6a. Currency
G6_b
G6b. Currency
G6_c
G6c. Currency
G7_a
G7a. Interest rate
G7_b
G7b. Interest rate
G7_c
G7c. Interest rate
G8_a
G8a. Do you have any delays in repayments?
G8_b
G8b. Do you have any delays in repayments?
G8_c
G8c. Do you have any delays in repayments?
G9_a
G9a. Do you face any difficulties making repayments?
G9_b
G9b. Do you face any difficulties making repayments?
G9_c
G9c. Do you face any difficulties making repayments?
G10
G10. Did you happen to buy a financial service during the last five years with w
G11_1
G11 1. What kind of service was it? A consumer loan
G11_2
G11 2. What kind of service was it? A mortgage loan
G11_3
G11 3.What kind of service was it? Current account
G11_4
G11 4.What kind of service was it? Bank deposit
G11_5
G11 5. What kind of service was it? A bank debit card
G11_6
G11 6. What kind of service was it? A bank credit card
G11_7
G11 7. What kind of service was it? An insurance policy
G11_8
G11 8. What kind of service was it? Private pensions
G11_9
G11 9.What kind of service was it? Investment in shares
G11_10
G11 10. What kind of service was it? Investment funds
G11_11
G11 11. What kind of service was it? Loans from Mutual Help Associations
G11_12
G11 12. What kind of service was it? A car/ terrain loan
G11_13
G11 13. What kind of service was it? Pawning goods
G11_14
G11 14. What kind of service was it? Loans from Microcredit organizations Credit
G11_15
G11 15. What kind of service was it? Loans from usurers
G11_16
G11 16. What kind of service was it? Loans from relatives, friends, acquaintances
G11_17
G11 17. What kind of service was it? Buying on credit from the electrical applian
G12_1
G12 1. What did you do after you discovered the problem? Nothing
G12_2
G12 2. I stopped using the service before the contract expired (closed the deposi
G12_3
G12 3. I submitted a grievance to the company which sold me the product
G12_4
G12 4. I submitted a claim to the appropriate government authority
G12_5
G12 5. Other......
G12_6
G12 6. Don’t know, Don’t remember
G12_5_text
G12 5. Other...............................................
G13_a
G13a. Does your household have...?Car
G13_b
G13b. Does your household have...?Landline telephone
G13_c
G13c.Does your household have...? Mobile phone
G13_d
G13d.Does your household have...?Does your household have...?Computer (PC)
G13_e
G13e.Does your household have...? Access to Internet
G14a
G14a. The dwelling is …
G14b
G14b. The dwelling is …
H1a
H1a. Besides your mother language, what other languages do you speak well enough
H1b
H1b. Besides your mother language, what other languages do you speak well enough
Total: 308
12>
Back to Catalog
  • About US
  • Emergencies
  • What we do
  • News and stories
  • Governments and partners
  • Get involved
  • © UNHCR
  • Media Center
  • Emergencies Portal
  • Contact Us
  • Data
  •  
  •  
  •  
  •  
  •  
  • Stay connected

    Follow: