Financial Service Survey 2006
Ghana, 2006
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Reference ID
GHA-GSS-FSS-2006-v1.0
Producer(s)
Ghana Statistical Service (GSS)
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Metadata
Created on
Nov 05, 2010
Last modified
May 26, 2015
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Identification
Survey ID Number
GHA-GSS-FSS-2006-v1.0
Title
Financial Service Survey 2006
Country
| Name | Country code |
|---|---|
| Ghana | GHA |
Study type
Other Household Survey [hh/oth]
Series Information
This is the first time the Financial Service Survey has been implemented in Ghana.
Abstract
The Ghana Statistical Service (GSS) and the World Bank Development Economics Research Group (DECRG) partnered to implement the survey. The purpose was to find out household's access to and use of available financial services.This was a follow-up to an earlier test of survey designs regarding household access to financial services. The underlying premise is that the identity of a respondent can affect the quality and completeness of the information provided, especially when that respondent is providing information about other household members.
The survey will examine whether questions about specific products (e.g. credit cards, life insurance policies, savings clubs) elicit more complete information than questions asking whether a respondent uses services from a type of provider (e.g. commercial bank, credit union).
To derive the data necessary for these tests, the Financial Service Survey incorporated an experimental design in which one of three versions of the survey instrument (questionnaire) was randomly administered to each household. Individual household members were also randomly selected to respond to some sections of the questionnaire.
The survey will examine whether questions about specific products (e.g. credit cards, life insurance policies, savings clubs) elicit more complete information than questions asking whether a respondent uses services from a type of provider (e.g. commercial bank, credit union).
To derive the data necessary for these tests, the Financial Service Survey incorporated an experimental design in which one of three versions of the survey instrument (questionnaire) was randomly administered to each household. Individual household members were also randomly selected to respond to some sections of the questionnaire.
Kind of Data
Sample survey data [ssd]
Unit of Analysis
Individuals
Version
Version Description
v1.0: Final datasets and other documentation on the Financial Service Survey.
Version Date
2008-07-31
Version Notes
This is the first time this Financial Service Survey has been implemented in the country.
Scope
Notes
The scope of the Financial Service Survey includes:
Household: Household listing and demograhpic information on household members.
Individuals: Access to and use of financial services (including savings, credit, loans, etc.) by household members, heads of household and randomly selected members.
Individuals: Actions and attitudes towards access and use of various financial services including savings, credit, loans, insurance, pension funds, etc.
Household: Household listing and demograhpic information on household members.
Individuals: Access to and use of financial services (including savings, credit, loans, etc.) by household members, heads of household and randomly selected members.
Individuals: Actions and attitudes towards access and use of various financial services including savings, credit, loans, insurance, pension funds, etc.
Topics
Keywords
| Keyword |
|---|
| Bank |
| Credit |
| Financial |
| Insurance |
| Investment |
| Loan |
| Retirement |
| Savings |
| Pension |
Coverage
Geographic Coverage
National Regional District, Municipal, Metropolitan
Universe
The survey covered all adult household members (usual residents) aged 15 years and older.
Producers and sponsors
Primary investigators
| Name | Affiliation |
|---|---|
| Ghana Statistical Service (GSS) | Office of the President |
Funding Agency/Sponsor
| Name | Abbreviation | Role |
|---|---|---|
| World Bank | WB | Funding and technical support |
Sampling
Sampling Procedure
The most recently visited enumeration areas (EAs) for the Ghana Living Standards Survey Round 5 (GLSS5) were targeted for the survey. This is because the characteristics of these households may not have changed much, and they were more likely to recollect information they had already provided. All the 120 EAs visited in the 10th and 11th cycles of the GLSS5 were included in the survey, with an additional 34 EAs selected from the 60 EAs visited in the 9th cycle. Households within the 154 EAs were listed and 15 selected randomly from each EA yielding a total of 2,310 households.
Response Rate
Out of the 2,310 households selected for the survey, 2,292 were identified and successfully enumerated. This yielded a response rate of 99.2 percent.
Data Collection
Dates of Data Collection
| Start | End |
|---|---|
| 2006-11-27 | 2006-12-21 |
Data Collection Mode
Face-to-face [f2f]
Supervision
Interviewing was conducted by teams; each team being made up of a Supervisor and three interviewers.
The role of the supervisor was:
* to meet community leaders to inform them about the purpose of the survey and solicit their cooperation
* review the work of each enumerator and take corrective measures where necessary
* assist in the resolution of any problems including uncooperative respondents.
There were field coordinators who visited the teams to check samples of the completed questionnaires to ensure consistency and completeness.
The role of the supervisor was:
* to meet community leaders to inform them about the purpose of the survey and solicit their cooperation
* review the work of each enumerator and take corrective measures where necessary
* assist in the resolution of any problems including uncooperative respondents.
There were field coordinators who visited the teams to check samples of the completed questionnaires to ensure consistency and completeness.
Data Collection Notes
Training: A 5-day residential training was organized for both supervisors and enumerators during which they were guided through the various sections of the questionnaires. The supervisors were personnel of the GSS who had been used to pre-test the questionnaires.
Field practice: As part of the training programme, trainees were made to administer the questionnaires in selected communities to give them a feel of how interviewing will be like during the actual field enumeration.
Written assessment: During the period of the training, written assessments were done to test the level of undertanding of the definitions and concepts that were to be employed in the data collection.
Field personnel were selected for the main fieldwork based on their performance in the assessments and field practice.
Interviewing team: The interviewing team comprised a Supervisor, two interviewers, a data entry operator and a driver.
Interviewing language: The interviews were conducted in the language preferred by the respondent. In cases where the interviewer was not proficient in the respondent's language, an interpreter was used.
Field practice: As part of the training programme, trainees were made to administer the questionnaires in selected communities to give them a feel of how interviewing will be like during the actual field enumeration.
Written assessment: During the period of the training, written assessments were done to test the level of undertanding of the definitions and concepts that were to be employed in the data collection.
Field personnel were selected for the main fieldwork based on their performance in the assessments and field practice.
Interviewing team: The interviewing team comprised a Supervisor, two interviewers, a data entry operator and a driver.
Interviewing language: The interviews were conducted in the language preferred by the respondent. In cases where the interviewer was not proficient in the respondent's language, an interpreter was used.
Data Collectors
| Name | Abbreviation | Affiliation |
|---|---|---|
| Ghana Statisticl Service | GSS | Office of the President |
Questionnaires
Questionnaires
Three types of questionnaires were used in the survey:
1. Group 1 Questionnaire - All questions in the three (3) sections were administered to all household members aged 15 years and older. It collected information on background characteristics, the use of financial services and products and actions and attitudes towards accessing and using financial services and products.
2. Group 2 Questionnaire - Sections 1 and 2 of this questionnaire were administered to all household members aged 15 years and older. Sections 3 and 4 were administered to household members randomly selected using the Kish Grid based on given criteria.
3. Group 3 Questionnaire - All questions in section (1) were administered to heads of household and one randomly selected household member and covered background characteristics. Section two (2) was administered to heads of household and covered the use of financial services. Sections 3 and 4 were administered to a randomly selected household member and covered the use of financial services and products and actions and attitudes towards access and use of financial services and products.
All the questionnaires were in English and whenever necessary, the interview was conducted in a language of the respondent's choice. An interpreter was also used where the interviewer was not proficient in the respondent's choice of language.
1. Group 1 Questionnaire - All questions in the three (3) sections were administered to all household members aged 15 years and older. It collected information on background characteristics, the use of financial services and products and actions and attitudes towards accessing and using financial services and products.
2. Group 2 Questionnaire - Sections 1 and 2 of this questionnaire were administered to all household members aged 15 years and older. Sections 3 and 4 were administered to household members randomly selected using the Kish Grid based on given criteria.
3. Group 3 Questionnaire - All questions in section (1) were administered to heads of household and one randomly selected household member and covered background characteristics. Section two (2) was administered to heads of household and covered the use of financial services. Sections 3 and 4 were administered to a randomly selected household member and covered the use of financial services and products and actions and attitudes towards access and use of financial services and products.
All the questionnaires were in English and whenever necessary, the interview was conducted in a language of the respondent's choice. An interpreter was also used where the interviewer was not proficient in the respondent's choice of language.
Data Processing
Data Editing
The GSS data editing occurs at three levels:
1. Field editing by interviewers and supervisors
2. Office editing
3. Data cleaning and imputation
1. Field editing by interviewers and supervisors
2. Office editing
3. Data cleaning and imputation
Other Processing
The data capture at GSS takes the following forms:
1. Manual data entry
2. Scanning
Data editing of the captured data usually consists of:
1. Verification or double entry
2. Consistency checks
3. Structure edits
4. Quality Control
1. Manual data entry
2. Scanning
Data editing of the captured data usually consists of:
1. Verification or double entry
2. Consistency checks
3. Structure edits
4. Quality Control
Access policy
Contacts
| Name | Affiliation | URL | |
|---|---|---|---|
| Government Statistician | Ghana Statistical Service | statservice@gmail.com | www.statsghana.gov.gh |
Confidentiality
Ghana Statistical Service (GSS) requires all users to keep information and data strictly confidential. In this regard, before being granted access to datasets, all users have to formally agree to observe the following:
1. Not to make copies of any files or portions of files to which access has been granted except with the authorization by GSS
2. Not to willfully identify any individual or household or establishment in the dataset
3. To hold in strictest confidence, the identity of any individual or household or establishment that may be inadvertently revealed in any documents or discussion, or analysis. Such unintended identification revealed should be immediately brought to the attention of GSS.
4. Data obtained from GSS are protected by copyright law and therefore not for re-distribution or sale
5. Prospective clients or data users may indicate in an affidavit confidentiality of data they access.
Access conditions
The Ghana Statistical Service as a public institution has the obligation to promote data dissemination to facilitate national development. Making data available will enable students and the academia to conduct research works, assist investors to take business decision, help the individual to evaluate and take appropriate decisions. It will also assist the government to formulate appropriate policies and programmes to facilitate national development. GSS' policy framework provides access to data through:
1. Public use files. These categories of data sets are accessible by all without any payment. They are available on-line to all interested users, for research and statistical purposes only.
2. Licensed datasets. These categories of data sets are accessible under certain conditions. Thus, prospective clients/data users may access any data based on certain conditions set by the GSS
3. Datasets only accessible on location. We consider this category as a data enclave where some data sets are only accessible at GSS head office and prospective data users and researches have to physically be available at GSS head office for further discussions before data are released. Thus, data enclave would not be linked to the outside world through our web site or other medium.
The following terms and conditions apply:
Before being granted access to the dataset, all users have to formally agree:
1. To make no copies of any files or portions of files for which access has been granted, except those authorized by GSS.
2. Not to use any technique in an attempt to identify any person, establishment, or sampling unit.
3. To hold in strictest confidence, the identification of any establishment or individual that may be inadvertently revealed in any documents or discussion, or analysis. Such inadvertent identification revealed in her/his analysis will be immediately brought to the attention of the GSS.
4. The data and other materials will not be redistributed or sold to other individuals, institutions, or organizations without the written agreement of GSS.
5. The data will be used for statistical and scientific research purposes only.
6. The data will be used solely for reporting of aggregated information, and not for investigation of specific individuals or organizations.
7. No attempt will be made to identify respondents, and no use will be made of the identity of any person or establishment discovered inadvertently. Any such discovery would immediately be reported to the GSS.
8. No attempt will be made to produce links among datasets provided by the GSS with other datasets that could identify individuals or organizations.
9. Any books, articles, conference papers, theses, dissertations, reports, or other publications that employ data obtained from the GSS would cite the source of data in accordance with the citation statement provided with the dataset
10. An electronic copy of all reports and publications based on the requested data will be sent to the GSS.
1. Public use files. These categories of data sets are accessible by all without any payment. They are available on-line to all interested users, for research and statistical purposes only.
2. Licensed datasets. These categories of data sets are accessible under certain conditions. Thus, prospective clients/data users may access any data based on certain conditions set by the GSS
3. Datasets only accessible on location. We consider this category as a data enclave where some data sets are only accessible at GSS head office and prospective data users and researches have to physically be available at GSS head office for further discussions before data are released. Thus, data enclave would not be linked to the outside world through our web site or other medium.
The following terms and conditions apply:
Before being granted access to the dataset, all users have to formally agree:
1. To make no copies of any files or portions of files for which access has been granted, except those authorized by GSS.
2. Not to use any technique in an attempt to identify any person, establishment, or sampling unit.
3. To hold in strictest confidence, the identification of any establishment or individual that may be inadvertently revealed in any documents or discussion, or analysis. Such inadvertent identification revealed in her/his analysis will be immediately brought to the attention of the GSS.
4. The data and other materials will not be redistributed or sold to other individuals, institutions, or organizations without the written agreement of GSS.
5. The data will be used for statistical and scientific research purposes only.
6. The data will be used solely for reporting of aggregated information, and not for investigation of specific individuals or organizations.
7. No attempt will be made to identify respondents, and no use will be made of the identity of any person or establishment discovered inadvertently. Any such discovery would immediately be reported to the GSS.
8. No attempt will be made to produce links among datasets provided by the GSS with other datasets that could identify individuals or organizations.
9. Any books, articles, conference papers, theses, dissertations, reports, or other publications that employ data obtained from the GSS would cite the source of data in accordance with the citation statement provided with the dataset
10. An electronic copy of all reports and publications based on the requested data will be sent to the GSS.
Citation requirements
FSS 2006, version 01, Ghana Statistical Service
Access authority
| Name | Affiliation | URL | |
|---|---|---|---|
| Government Statistician | Ghana Statistical Service | statservice@gmail.com | www.statsghana.gov.gh |
Disclaimer and copyrights
Disclaimer
The original collector of the data, Ghana Statistical Service, other producers and sponsors cited in this document bear no responsibility for use of the data, for interpretations and inferences based upon such uses.
Copyright
(c) 2006, Ghana Statistical Service
Metadata production
DDI Document ID
DDI-GHA-GSS-FSS-2006-v1.0
Producers
| Name | Abbreviation | Affiliation | Role |
|---|---|---|---|
| Ghana Statistical Service | GSS | Office of the President | Compiling, reviewing and archiving the survey |
Date of Metadata Production
2008-07-31
DDI Document version
version 1.0 (July 2008)