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<docDscr>
  <citation>
    <titlStmt>
      <IDNo>UNHCR_MYS_2022_fin_anon_data_v2.1</IDNo>
    </titlStmt>
    <prodStmt>
      <producer abbr="" affiliation="" role="">UNHCR</producer>
      <prodDate date="2023-06-22">2023-06-22</prodDate>
      <software version="v5">NADA</software>
    </prodStmt>
    <verStmt>
      <version></version>
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<stdyDscr>
  <citation>
    <titlStmt>
      <titl>Financial behaviour survey, 2022</titl>
      <subTitl/>
      <altTitl/>
      <parTitl/>
      <IDNo>UNHCR_MYS_2022_fin_anon_data_v2.1</IDNo>
    </titlStmt>
    <rspStmt>
      <AuthEnty affiliation="">UNHCR</AuthEnty>
    </rspStmt>
    <prodStmt>
      <copyright/>
      <software version="5.0" date="2023-07-06">NADA</software>
      <grantNo/>
    </prodStmt>
    <distStmt>
      <contact affiliation="UNHCR" URI="" email="microdata@unhcr.org">Curation team</contact>
      <depDate date=""/>
      <distDate date=""/>
    </distStmt>
    <serStmt>
      <serName>Other Household Survey [hh/oth]</serName>
      <serInfo><![CDATA[]]></serInfo>
    </serStmt>
    <verStmt>
      <version date="2023-06-15">v2.1: Edited, cleaned and anonymised data</version>
      <verResp/>
      <notes><![CDATA[]]></notes>
    </verStmt>
    <biblCit format=""><![CDATA[]]></biblCit>
    <notes><![CDATA[]]></notes>
  </citation>
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    <subject>
      <topcClas vocab="" vocabURI="">Protection</topcClas>
      <topcClas vocab="" vocabURI="">Livelihood and Social cohesion</topcClas>
      <topcClas vocab="" vocabURI="">Domestic Needs/Household Support</topcClas>
      <topcClas vocab="" vocabURI="">Connectivity</topcClas>
    </subject>
    <abstract><![CDATA[The financial behaviours survey aim to collect general information on financial and digital literacy of refugees and asylum-seekers in Malaysia for the purpose of understanding their familiarity with and interest in financial and digital services. The survey was administered via phone calls, where respondents were identified through a random sampling of individuals aged 18-59 registered with UNHCR, and have updated their contact numbers with UNHCR in the last 6 months.

A majority of respondents are able to confidently make calculations and transact with money without errors. As a result of regulatory challenges, only 35.8% of respondents owned SIM cards registered under their own names. 89% of respondents own a smartphone, with the most frequently used mobile apps being Whatsapp, followed by Facebook, Youtube, imo and TikTok. While respondents seem to understand the value of financial services, only 11% actually own an account at a financial institutions due to regulatory barriers. A majority of respondents also rely on informal services for sending or receiving money either locally (within Malaysia) or internationally. In addition to this, 84.9% reported not having any savings whatsoever, which indicates respondents' limited resilience capacities to withstand sudden shocks or stressors.]]></abstract>
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      <collDate date="2023-02-10" event="end" cycle=""/>
      <nation abbr="MYS">Malaysia</nation>
      <geogCover>National</geogCover>
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      <anlyUnit><![CDATA[Households and Individual]]></anlyUnit>
      <universe><![CDATA[Registered Refugees and asylum-seekers in Malaysia 2022]]></universe>
      <dataKind>Sample survey data [ssd]</dataKind>
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    <notes><![CDATA[]]></notes>
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      <outcomes/>
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      <frequenc/>
      <sampProc><![CDATA[Simple Random Sampling]]></sampProc>
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        <custodian/>
        <universe/>
        <frameUnit isPrimary="">
          <unitType numberOfUnits=""/>
        </frameUnit>
        <updateProcedure/>
      </sampleFrame>
      <deviat/>
      <collMode>Computer Assisted Telephone Interview [cati]</collMode>
      <resInstru><![CDATA[]]></resInstru>
      <instrumentDevelopment type=""/>
      <collSitu><![CDATA[]]></collSitu>
      <actMin><![CDATA[]]></actMin>
      <ConOps><![CDATA[]]></ConOps>
      <weight><![CDATA[]]></weight>
      <cleanOps><![CDATA[]]></cleanOps>
    </dataColl>
    <notes><![CDATA[]]></notes>
    <anlyInfo>
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      <EstSmpErr><![CDATA[]]></EstSmpErr>
      <dataAppr><![CDATA[]]></dataAppr>
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    <codingInstructions relatedProcesses="" type="">
      <txt/>
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      <origArch/>
      <avlStatus/>
      <collSize/>
      <complete/>
      <fileQnty/>
      <notes><![CDATA[]]></notes>
    </setAvail>
    <useStmt>
      <restrctn/>
      <citReq><![CDATA[UNHCR (2023). Malaysia: Financial behaviour survey, 2022. Accessed from: https://microdata.unhcr.org]]></citReq>
      <deposReq><![CDATA[]]></deposReq>
      <conditions><![CDATA[]]></conditions>
      <disclaimer><![CDATA[]]></disclaimer>
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    <notes><![CDATA[]]></notes>
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      <varQnty>14</varQnty>
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      <caseQnty>613</caseQnty>
      <varQnty>46</varQnty>
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  <sumStat type="invd">26</sumStat>
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    <catValu>2</catValu>
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    <catStat type="invd"/>
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<var ID="hh_data_V6" name="hh_size" files="hh_data" intrvl="discrete">
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    <catValu>6</catValu>
    <labl>6</labl>
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  <catgry>
    <catValu>7</catValu>
    <labl>7</labl>
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</var>
<var ID="hh_data_V7" name="oth_than_yourself_re_hh" files="hh_data" intrvl="discrete">
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  <labl>How many adults (aged 18 and above) are there in your household?</labl>
  <sumStat type="vald">340</sumStat>
  <sumStat type="invd"/>
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    <catValu>1</catValu>
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    <labl>5</labl>
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<var ID="hh_data_V8" name="avr_bers_engaged_in_work" files="hh_data" intrvl="discrete">
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  <labl>What is your total household income in the past month? This refers to the total income of all household members engaged in work.</labl>
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    <labl>1</labl>
    <catStat type="invd"/>
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    <catValu>3</catValu>
    <labl>2</labl>
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    <catValu>4</catValu>
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    <catValu>6</catValu>
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    <labl>700</labl>
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  <catgry>
    <catValu>11</catValu>
    <labl>730</labl>
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  <catgry>
    <catValu>12</catValu>
    <labl>750</labl>
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  <catgry>
    <catValu>13</catValu>
    <labl>800</labl>
  </catgry>
  <catgry>
    <catValu>14</catValu>
    <labl>850</labl>
  </catgry>
  <catgry>
    <catValu>15</catValu>
    <labl>900</labl>
  </catgry>
  <catgry>
    <catValu>16</catValu>
    <labl>950</labl>
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  <catgry>
    <catValu>17</catValu>
    <labl>1000</labl>
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  <catgry>
    <catValu>18</catValu>
    <labl>1050</labl>
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  <catgry>
    <catValu>19</catValu>
    <labl>1100</labl>
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  <catgry>
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    <labl>1200</labl>
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  <catgry>
    <catValu>21</catValu>
    <labl>1275</labl>
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  <catgry>
    <catValu>22</catValu>
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  <catgry>
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    <labl>1320</labl>
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  <catgry>
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  <catgry>
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  <catgry>
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<var ID="hh_data_V10" name="times_in_a_riends_and_employer" files="hh_data" intrvl="discrete">
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    <labl>4</labl>
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    <labl>5</labl>
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    <labl>6</labl>
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    <labl>7</labl>
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    <labl>8</labl>
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    <labl>9</labl>
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    <labl>10</labl>
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  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <labl>no</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>not_sure</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>yes</labl>
  </catgry>
</var>
<var ID="hh_data_V13" name="sim_c_under_your_own_name" files="hh_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Is the current SIM card that you are using, registered under your own name?</labl>
  <sumStat type="vald">340</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <labl>no</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>yes</labl>
    <catStat type="invd"/>
  </catgry>
</var>
<var ID="hh_data_V14" name="weight" files="hh_data">
  <labl>Design weight</labl>
</var>
<var ID="indv_data_V1" name="pseudo_parent_id" files="indv_data" intrvl="discrete">
  <varFormat type="Integer"/>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
</var>
<var ID="indv_data_V2" name="pseudo_id" files="indv_data" intrvl="discrete">
  <varFormat type="Integer"/>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
</var>
<var ID="indv_data_V3" name="age_hh_member" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>What is **${name_hh_member}** age?</labl>
  <sumStat type="vald">612</sumStat>
  <sumStat type="invd">1</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>0_4</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>5_12</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>13_17</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>18_24</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>25_29</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>30_39</labl>
  </catgry>
  <catgry>
    <catValu>7</catValu>
    <labl>40_49</labl>
  </catgry>
  <catgry>
    <catValu>8</catValu>
    <labl>50_59</labl>
  </catgry>
  <catgry>
    <catValu>9</catValu>
    <labl>60+</labl>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V4" name="hh_member_gender" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Member **${name_hh_member}** Gender</labl>
  <sumStat type="vald">612</sumStat>
  <sumStat type="invd">1</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>female</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>male</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>prefer_not_to_say</labl>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V5" name="hh_member_coo" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Whats **${name_hh_member}** the Country of Origin?</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <labl>MMR</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>OTH</labl>
    <catStat type="invd"/>
  </catgry>
</var>
<var ID="indv_data_V6" name="past_7_da_in_a_family_business" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>During the past 7 days, did (**${name_hh_member}**) work for someone else for pay, for one or more hours OR run or do any kind of business/activity to generate income OR help in a family business?</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <labl>no</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>yes</labl>
    <catStat type="invd"/>
  </catgry>
</var>
<var ID="indv_data_V7" name="name_d_s_temporarily_absent" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Even though (**${name_hh_member}**) did not work during the past 7 days, did (**${name_hh_member}**) have a paid job or a business or a helper job from which (**${name_hh_member}**) was temporarily absent?</labl>
  <sumStat type="vald">351</sumStat>
  <sumStat type="invd">262</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>no</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>yes</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V8" name="last_30_d_to_start_a_business" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>During the last 30 days, did (**${name_hh_member}**) do anything to find a paid job or try to start a business?</labl>
  <sumStat type="vald">296</sumStat>
  <sumStat type="invd">317</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>no</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>yes</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V9" name="start_w_hin_next_14_days" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Could (**${name_hh_member}**) start working within the next 14 days?</labl>
  <sumStat type="vald">55</sumStat>
  <sumStat type="invd">558</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>no</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>yes</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V10" name="afford_more_les" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Compared to this time last year, do you think you can now afford more goods and services, the same, or fewer goods and services?</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <labl>decreased</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>don_t_know</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>increased</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>remained_the_same</labl>
  </catgry>
</var>
<var ID="indv_data_V11" name="confident_counting" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>How confident are you in counting numbers and money when buying or selling items?</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <labl>a_little_confident</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>confident__able_to_do_so_with_little_</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>not_confident_atall</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>not_sure</labl>
  </catgry>
</var>
<var ID="indv_data_V12" name="used_an_atm_aw_money" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Have you used an ATM before or do you know how to withdraw money from an ATM?</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <labl>i_don_t_know_what_an_atm_is</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>no</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>yes</labl>
  </catgry>
</var>
<var ID="indv_data_V13" name="own_a_smartphone" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Do you own a smartphone?</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <labl>no</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>not_sure</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>yes</labl>
  </catgry>
</var>
<var ID="indv_data_V14" name="what_services_load_every_month" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>What services do you usually top-up/reload for every month?</labl>
  <sumStat type="vald">546</sumStat>
  <sumStat type="invd">67</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>topping_up_allows_me_to_access_whatsapp_</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>topping_up_only_allows_me_to_send_sms_an</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V15" name="apps_google_search__browser" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>What are some of the apps that you use most on your phone? Google search / browser</labl>
  <sumStat type="vald">546</sumStat>
  <sumStat type="invd">67</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V16" name="apps_imo" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>What are some of the apps that you use most on your phone? IMO</labl>
  <sumStat type="vald">546</sumStat>
  <sumStat type="invd">67</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V17" name="apps_whatsapp" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>What are some of the apps that you use most on your phone? Whatsapp</labl>
  <sumStat type="vald">546</sumStat>
  <sumStat type="invd">67</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V18" name="apps_viber" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>What are some of the apps that you use most on your phone? Viber</labl>
  <sumStat type="vald">546</sumStat>
  <sumStat type="invd">67</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V19" name="apps_facebook" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>What are some of the apps that you use most on your phone? Facebook</labl>
  <sumStat type="vald">546</sumStat>
  <sumStat type="invd">67</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V20" name="apps_tik_tok" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>What are some of the apps that you use most on your phone? Tik Tok</labl>
  <sumStat type="vald">546</sumStat>
  <sumStat type="invd">67</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V21" name="apps_youtube" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>What are some of the apps that you use most on your phone? Youtube</labl>
  <sumStat type="vald">546</sumStat>
  <sumStat type="invd">67</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V22" name="apps_oths" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>What are some of the apps that you use most on your phone? Touch N Go</labl>
  <sumStat type="vald">546</sumStat>
  <sumStat type="invd">67</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V23" name="apps_grab" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>What are some of the apps that you use most on your phone? Grab</labl>
  <sumStat type="vald">546</sumStat>
  <sumStat type="invd">67</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V24" name="apps_merchantrade_money" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>What are some of the apps that you use most on your phone? Merchantrade Money</labl>
  <sumStat type="vald">546</sumStat>
  <sumStat type="invd">67</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V25" name="help_fro_apps_mentioned_above" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Did you get help from someone elso to register/setup your account for the apps mentioned above?</labl>
  <sumStat type="vald">546</sumStat>
  <sumStat type="invd">67</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>no</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>yes</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V26" name="bank_acc_in_malaysia" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Do you, either by yourself or together with someone else, currently have an account at a bank or another type of formal financial institution in Malaysia?</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <labl>no</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>yes</labl>
    <catStat type="invd"/>
  </catgry>
</var>
<var ID="indv_data_V27" name="personally_rd_card_in_malaysia" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Do you, personally, have an ATM (Visa/Mastercard) card in Malaysia?</labl>
  <sumStat type="vald">67</sumStat>
  <sumStat type="invd">546</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>no</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>yes</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V28" name="atm_visa_ma_me_on_it_in_malaysia" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Is this ATM (Visa/Mastercard) card connected to an account with your name on it in Malaysia?</labl>
  <sumStat type="vald">45</sumStat>
  <sumStat type="invd">568</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>no</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>yes</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V29" name="mobile_payments" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>In the past 12 months, have you used a mobile phone to make payments, to buy thing, or to send or receive money?</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <labl>no</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>yes</labl>
    <catStat type="invd"/>
  </catgry>
</var>
<var ID="indv_data_V30" name="method_online_purchase" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Which method have you used before: Online purchases (such as buying items on Lazada, Shopee, etc)</labl>
  <sumStat type="vald">67</sumStat>
  <sumStat type="invd">546</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V31" name="method_physical_purchase" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Which method have you used before: Purchase at physical store (such as using VISA/Mastercard/ QR Pay/Touch n Go)</labl>
  <sumStat type="vald">67</sumStat>
  <sumStat type="invd">546</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V32" name="method_deposit_salary_or_sav" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Which method have you used before: Deposit salary or savings into bank account or e-wallet (such as CIMB bank account or Merchantrade account)</labl>
  <sumStat type="vald">67</sumStat>
  <sumStat type="invd">546</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V33" name="pref_card_cash_much_pref_visa" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>How would you rate your preference to use VISA/Mastercard/ bank account/ e-wallet compared to using just cash? If I can easily register for an account, I would prefer to use VISA/Mastercard/ bank account/ e-wallet</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
</var>
<var ID="indv_data_V34" name="pref_card_cash_much_pref_cash" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>How would you rate your preference to use VISA/Mastercard/ bank account/ e-wallet compared to using just cash? If I can easily register for an account, I would prefer to make transaction and save in cash</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
</var>
<var ID="indv_data_V35" name="pref_card_cash_not_sure" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>How would you rate your preference to use VISA/Mastercard/ bank account/ e-wallet compared to using just cash? Not sure</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
</var>
<var ID="indv_data_V36" name="how_r_tive_within_malaysia" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>How do you usually receive money from your employer or transfer money to friends and relative within Malaysia?</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <labl>both</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>formal_services__e_g__salary_credited_in</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>informal_services__e_g__employer_pays_sa</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>not_sure</labl>
  </catgry>
</var>
<var ID="indv_data_V37" name="how_s_rom_outside_malaysia" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>How do you usually send or receive money from outside Malaysia?</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <labl>both</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>formal_services__e_g__bank__e_wallet_tra</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>help_of_friends__informal_services</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>i_do_not_send_or_receive_money_from_outs</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>not_sure</labl>
  </catgry>
</var>
<var ID="indv_data_V38" name="emergency_savings" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>Do you currently have at least one month of savings to prepare for an emergency situation in case it happens?</labl>
  <sumStat type="vald">613</sumStat>
  <sumStat type="invd"/>
  <catgry>
    <catValu>1</catValu>
    <labl>i_do_not_have_any_savings_at_all</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>no__but_i_do_have_some_small_savings_res</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>yes</labl>
  </catgry>
</var>
<var ID="indv_data_V39" name="saving_money_in_a_safe_hidden" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>How are you currently saving money now? Keeping money in a safe/hidden place at home</labl>
  <sumStat type="vald">93</sumStat>
  <sumStat type="invd">520</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V40" name="saving_buying_gold_home" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>How are you currently saving money now? Buying gold to keep at home</labl>
  <sumStat type="vald">93</sumStat>
  <sumStat type="invd">520</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
    <catStat type="invd"/>
  </catgry>
</var>
<var ID="indv_data_V41" name="saving_money_with_a_trusted_i" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>How are you currently saving money now? Keeping money with a trusted individual (Hawala)</labl>
  <sumStat type="vald">93</sumStat>
  <sumStat type="invd">520</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V42" name="saving_money_in_a_bank_accoun" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>How are you currently saving money now? Keeping money in a bank account</labl>
  <sumStat type="vald">93</sumStat>
  <sumStat type="invd">520</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V43" name="saving_money_in_an_e_wallet" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>How are you currently saving money now? Keeping money in an e-wallet</labl>
  <sumStat type="vald">93</sumStat>
  <sumStat type="invd">520</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V44" name="saving_oths" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>How are you currently saving money now? Others</labl>
  <sumStat type="vald">93</sumStat>
  <sumStat type="invd">520</sumStat>
  <catgry>
    <catValu>1</catValu>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V45" name="register_ese_accounts_instead" files="indv_data" intrvl="discrete">
  <varFormat type="Factor"/>
  <labl>If you can register for a bank account, prepaid card or e-wallet, would you prefer to save money in these accounts instead?</labl>
  <sumStat type="vald">93</sumStat>
  <sumStat type="invd">520</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>no</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>not_sure</labl>
    <catStat type="invd"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>yes</labl>
  </catgry>
  <catgry>
    <catValu>Missing value</catValu>
  </catgry>
</var>
<var ID="indv_data_V46" name="weight" files="indv_data">
  <labl>Design weight</labl>
</var>
</dataDscr></codeBook>
