PakistanPAK1133389200.4895829171 male45completed primary or less2 second 20%nonononononononononoyesnononononononononononoyesnonoyesnono4 not at all possibleyesyesnononoyesyesnononoyesyesnonoyesyesnonoyesnoyesnononononoyes PakistanPAK1766106300.8319920321 male68secondary5 richest 20%yesyesyesnonoyes3 money is not deposited in a typical monthyes3 money is not taken out in a typical month2 you get it over the counter in a branch of your financial institutionnononoyesnonononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonononononoyesno PakistanPAK1206576720.3849430211 male32completed primary or less4 fourth 20%nonononononoyesnoyesnonononoyesnononoyesnoyesnonoyesyesnoyesyesno4 not at all possiblenoyesyesnononoyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1866402410.7667618051 male50completed primary or less4 fourth 20%yesnoyesnononononoyesnoyesnonononoyesnononoyesnonoyesyesnoyesnoyes2 somewhat possible4 a credit card or borrowing from a formal financial institutionyesyesnonoyesyesyesnononoyesyesnonoyesyesnononononoyesyes PakistanPAK1562555831.8678460181 male35completed primary or less4 fourth 20%yesyesyesyesyesyesnoyes2 three or more times per monthyes2 three or more times per month1 you get it at an atmnonoyesyesnoyesnononoyesyesnononoyes1 very possible1 savingsyesyesyesyesnoyesyesyesyesnoyesyesnonoyesyesnononononoyesyes PakistanPAK2071651331.0055128352 female27completed primary or less5 richest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonoyesyesnonoyesyesnonononononono PakistanPAK1557181210.2513782092 female30secondary4 fourth 20%nonononononononononoyesnononononononononononoyesyesnoyesnono3 not very possible2 family, relatives, or friendsnoyesyesnononoyesyesnonoyesyesnonononononoyes PakistanPAK1285897273.4754416562 female18completed primary or less1 poorest 20%nonononononononononoyesnononononononononononoyesnononoyesno4 not at all possibleyesyesnonononoyesyesnononoyesnoyesnononononoyes PakistanPAK1446873000.7265997912 female45completed primary or less1 poorest 20%nonononononononononoyesnononononononononononoyesyesnoyesnono4 not at all possiblenoyesyesnonononoyesyesnonononononoyes PakistanPAK1670202240.2483523462 female45completed primary or less4 fourth 20%nononononononononononononoyesnononononononononononononono1 very possible1 savingsnonoyesyesnonoyesyesnonononononono PakistanPAK1730810510.3342288751 male38completed tertiary or more5 richest 20%nonononononononoyesyesnononoyesnononoyesnononononononononono2 somewhat possible1 savingsyesyesnonononoyesyesnonononononoyesno PakistanPAK1529412710.555676181 male21completed primary or less2 second 20%nonononononononononoyesnonoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnononoyesnoyesnononononono PakistanPAK2093360650.5713904421 male23secondary4 fourth 20%yesyesnoyesnononoyes2 three or more times per monthyes2 three or more times per month1 you get it at an atmnonoyesnononononononononononono1 very possible1 savingsnonoyesyesnonononononoyesno PakistanPAK1399347030.4159960161 male65completed primary or less5 richest 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononononononononononononono1 very possible1 savingsnonoyesyesnononononoyesyesnonoyesno PakistanPAK1605710821.1113523611 male15secondary3 middle 20%nononononononoyesnonoyesnoyesnonononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1381932020.2513782092 female33completed primary or less5 richest 20%nonononononononononoyesnononononononononononoyesyesnoyesyesno4 not at all possiblenoyesyesnononoyesyesnonoyesyesnonononononoyes PakistanPAK1245730540.2483523462 female36completed primary or less5 richest 20%yesyesyesnonoyes1 one or two times per monthno2 you get it over the counter in a branch of your financial institutionnonononoyesyesnonononononononono1 very possible1 savingsyesnononoyesyesnononoyesyesyesnonoyesyesnononononoyesno PakistanPAK1232924320.7265997912 female45completed primary or less5 richest 20%nononononononononononononoyesnonononononononoyesyesnonoyesno3 not very possible2 family, relatives, or friendsnonoyesyesnononononononoyes PakistanPAK1779396230.7257431642 female18secondary5 richest 20%yesyesyesnonoyes3 money is not deposited in a typical monthno2 you get it over the counter in a branch of your financial institutionnoyesnonononononononononononono4 not at all possibleyesyesnonononoyesyesnonoyesyesnonononononono PakistanPAK1571489760.2483523462 female40secondary5 richest 20%nonononononononononoyesnonoyesnonononononononoyesyesnonoyesno4 not at all possiblenonoyesyesnonoyesyesnonononononoyes PakistanPAK1927692910.9798396211 male20secondary5 richest 20%yesnoyesnononononononoyesnonoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonononononoyesno PakistanPAK2109323310.555676181 male18completed primary or less5 richest 20%yesnoyesnonononoyesnononoyesnononoyesnononoyesnonoyesyesnononoyes2 somewhat possible1 savingsyesyesnononoyesyesnonononononononoyesyes PakistanPAK1301001820.3958290291 male28completed tertiary or more5 richest 20%yesyesnoyesyesyesyesyesyes2 three or more times per monthyes2 three or more times per month1 you get it at an atmyesyesnoyesnoyesnononoyesyesnononono3 not very possible1 savingsyesnoyesyesnoyesnoyesyesyesyesyesyesnonoyesyesnoyesno1 all of the money right away2 you had an account before, but this account was opened so you could receive payments from an employer.nonoyesyes PakistanPAK1221352440.555676181 male17completed primary or less5 richest 20%nononononononoyesyesnonononononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononoyesyesnononono PakistanPAK1182031540.3849430211 male34secondary5 richest 20%yesyesyesyesyesnonoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnononoyesyesyesnononoyesnonononono1 very possible1 savingsyesyesnonononoyesyesnonoyesyesnonoyesnonoyesno2 over time as needed2 you had an account before, but this account was opened so you could receive payments from an employer.nonoyesyes PakistanPAK1709184171.2568910432 female25secondary5 richest 20%nonononononononononoyesnononononononononononoyesnonononono2 somewhat possible1 savingsnonononononononoyes PakistanPAK1370071610.2483523462 female35secondary4 fourth 20%nonononononononononoyesnononononononononononoyesnonononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnononononoyesyes PakistanPAK1121884250.2584870672 female25completed tertiary or more5 richest 20%nononononononononononononoyesnonononononononoyesnonononono2 somewhat possible1 savingsnonononononononoyes PakistanPAK1497863471.2568910432 female32secondary1 poorest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1948607130.8149699652 female55completed primary or less4 fourth 20%nononononononononononononoyesnonononononononoyesnonononono2 somewhat possible1 savingsnononononononoyesyes PakistanPAK1238438570.6446543591 male20completed primary or less2 second 20%nononononononoyesnonoyesnonononononononononononononononono4 not at all possiblenonoyesyesnononononoyesnonononono PakistanPAK1442802600.7874714351 male25secondary2 second 20%yesyesnonononono5 (do not need to get cash)nonononononononononononononono4 not at all possiblenonoyesyesnononononoyesnonononono PakistanPAK1694056170.8525530321 male18secondary4 fourth 20%yesyesnonononono2 you get it over the counter in a branch of your financial institutionnonononononononononononononono2 somewhat possible1 savingsnoyesyesnononoyesyesnononononononono PakistanPAK1809714632.4696986211 male21completed primary or less2 second 20%yesyesnoyesyesnononoyes1 one or two times per month1 you get it at an atmnonononononononononononononono4 not at all possiblenonononononononono PakistanPAK2038749701.1359556991 male50completed primary or less1 poorest 20%nononononononononononononononononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1220159930.9163322692 female23completed primary or less5 richest 20%nonononononononononononoyesyesnononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK2071192372.5391458122 female30completed primary or less2 second 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1555817510.6347864532 female30completed primary or less2 second 20%nononononoyesyesnononoyesnoyesyesnonononoyesyesnoyesnoyesnonoyesno2 somewhat possible3 money from working or a loan from an employernoyesyesnononononoyesnoyesnonononoyesyes PakistanPAK1516001210.8063900142 female16completed primary or less4 fourth 20%nononononoyesyesyesnonoyesnonononononononononononoyesnonoyesno2 somewhat possible1 savingsnonoyesyesnononoyesnoyesnononononoyes PakistanPAK1824405512.5391458122 female30completed primary or less1 poorest 20%nononononoyesyesnononoyesnoyesyesnononononononononoyesnonoyesno4 not at all possiblenonononononononoyes PakistanPAK1874962351.6116358981 male22secondary1 poorest 20%nononononoyesyesnononoyesnoyesyesnononoyesnonononononoyesnoyesno2 somewhat possible3 money from working or a loan from an employernonoyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK2030140180.2483523461 male26secondary3 middle 20%yesyesyesnonoyesyesyesyesyesyesnonononononononononoyesnononononono2 somewhat possible2 family, relatives, or friendsnonononoyesyesyesyesyes2 over time as needed2 you had an account before, but this account was opened so you could receive payments from an employer.nononoyes PakistanPAK1974134410.6446543591 male18secondary1 poorest 20%nonononononoyesnoyesnoyesnoyesnonononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK2109738851.2908305481 male52completed primary or less4 fourth 20%nononononoyesyesyesnonoyesyesyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1878031220.6698735841 male26completed primary or less4 fourth 20%nonononononoyesyesnonoyesnoyesnonononononononononononononono4 not at all possiblenonoyesyesnononoyesyesnonononononono PakistanPAK1718502701.2095850212 female16completed primary or less2 second 20%nonononononoyesnoyesnoyesnoyesyesnonononononononononononoyesno4 not at all possiblenonononononononoyes PakistanPAK1312722181.2644209152 female50completed primary or less3 middle 20%nonononononononononoyesyesnoyesnononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1144215440.5359989962 female40completed primary or less2 second 20%yesyesnonononononononoyesnonononononononoyesnononononononono4 not at all possiblenononononoyesyesyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from the government.noyesno PakistanPAK1815723210.2483523462 female30secondary4 fourth 20%nonononononoyesnononoyesnononononononononoyesyesnoyesnonoyesyes3 not very possible1 savingsnonoyesyesnonoyesyesnonononononoyes PakistanPAK1377232050.2483523462 female30secondary3 middle 20%nononononoyesyesnononoyesnoyesnonononoyesnononononoyesnoyesyesno4 not at all possiblenoyesyesnononoyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1331469610.2483523461 male38completed tertiary or more5 richest 20%yesyesnoyesyesnonoyes1 one or two times per monthyes2 three or more times per month1 you get it at an atmnonononononononononononononono2 somewhat possible1 savingsyesnononononoyesyesnonoyesyesnonoyesyesnoyesno2 over time as needed3 this was your first account, and it was opened so you could receive payments from an employer.yesnoyesno2 over time as needed3 this was your first account, and it was opened so you could receive payments from the government.nonono PakistanPAK1307191190.2483523461 male42completed tertiary or more5 richest 20%yesyesnoyesyesnonoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonononononononononononononono1 very possible1 savingsnonoyesyesnonoyesyesnononoyesnoyesno1 all of the money right away2 you had an account before, but this account was opened so you could receive payments from the government.nonono PakistanPAK1227533700.5683686881 male18secondary4 fourth 20%nonononononoyesnonononoyesnoyesnononononononononononononono4 not at all possiblenonoyesyesnononononoyesnonononono PakistanPAK1141647420.9843392931 male31secondary4 fourth 20%yesyesnoyesyesyesnonoyes2 three or more times per month1 you get it at an atmnonononononononononononononono2 somewhat possible1 savingsnoyesyesnoyesnoyesyesnonoyesyesnonononononono PakistanPAK1643412350.2614252791 male49completed tertiary or more5 richest 20%yesyesnoyesyesyesnoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonononononononononononononono2 somewhat possible1 savingsyesyesyesyesnoyesnoyesyesnoyesyesnononoyesyesnoyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from an employer.nononono PakistanPAK1167790280.2483523462 female36completed tertiary or more3 middle 20%nononononoyesyesnoyesnoyesnoyesyesnononononononoyesnoyesnoyesyesyes4 not at all possiblenonononononononoyes PakistanPAK2103640471.2644209152 female46completed primary or less2 second 20%yesyesnononoyes1 one or two times per monthyes2 three or more times per month2 you get it over the counter in a branch of your financial institutionnononoyesyesyesnoyesnonononononono4 not at all possiblenonoyesyesnonoyesyesnononononoyesno PakistanPAK1742241780.8419534812 female16secondary4 fourth 20%nononononoyesyesyesnononoyesyesyesnononoyesnononononononononono4 not at all possiblenononononononoyesno PakistanPAK1839019170.4374455772 female26secondary3 middle 20%nononononononononononoyesnoyesnoyesyesnonononononononononono1 very possible1 savingsnonononononoyesnononoyesno PakistanPAK2078094870.8429472772 female46completed primary or less3 middle 20%nononononoyesyesnononoyesyesnoyesnononononononononoyesnonoyesno4 not at all possibleyesyesnonononoyesyesnonoyesyesnonononononoyes PakistanPAK1269993570.972067611 male25completed primary or less1 poorest 20%nonononononononononoyesnononononononononononononononoyesno3 not very possible3 money from working or a loan from an employernoyesyesnononononoyesnoyesnononononoyes PakistanPAK1618267790.4277190931 male25completed primary or less3 middle 20%nonononononononononoyesnononononononononononononononoyesno3 not very possible2 family, relatives, or friendsnoyesyesnononononoyesnoyesnononononoyes PakistanPAK1212456110.8554381861 male32completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononoyesnonoyesno2 somewhat possible2 family, relatives, or friendsnoyesyesnononononoyesnoyesnononononoyes PakistanPAK1709707432.462374211 male43completed primary or less4 fourth 20%nonononononononononoyesnonoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononoyesnoyesnononononono PakistanPAK1124356992.462374211 male35completed primary or less3 middle 20%nonononononononononoyesnonoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononoyesnoyesnononononono PakistanPAK2078011510.2483523462 female20secondary5 richest 20%nononononoyesnonoyesnononononononononoyesyesnononoyesnononono1 very possible1 savingsnononononononoyesyes PakistanPAK1997929040.2483523462 female32completed primary or less4 fourth 20%nonononononoyesnoyesnononononononoyesyesyesyesnononoyesyesyesyesno2 somewhat possible2 family, relatives, or friendsnononononononoyesyes PakistanPAK1472296360.8429472772 female45completed primary or less3 middle 20%nononononononononoyesnononononononoyesnoyesnononoyesnononono2 somewhat possible1 savingsnononononononoyesyes PakistanPAK1547639970.5567401992 female18completed tertiary or more4 fourth 20%nononononononononononononononononoyesnoyesnononoyesnononono2 somewhat possible2 family, relatives, or friendsnononononononoyesyes PakistanPAK1289180231.2644209152 female50completed primary or less3 middle 20%nononononononononoyesnononononononoyesnonoyesnonoyesnonoyesno2 somewhat possible2 family, relatives, or friendsnononononononoyesyes PakistanPAK1830642620.5683686881 male22secondary1 poorest 20%nonononononononononoyesnononononononononononoyesyesnononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononoyesnoyesnononononoyes PakistanPAK1429425571.6116358981 male16secondary1 poorest 20%nononononononoyesnonoyesyesyesnononononononononoyesnonoyesnono4 not at all possiblenoyesyesnonononoyesyesnonononononoyes PakistanPAK1309214980.2483523461 male36completed tertiary or more5 richest 20%yesyesnoyesyesnonoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonononoyesyesnononoyesnonononono2 somewhat possible3 money from working or a loan from an employernoyesnoyesnoyesyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1429702600.2965134241 male50completed primary or less5 richest 20%nononononononononoyesyesnonoyesnonononononononoyesnonoyesnono4 not at all possiblenonoyesyesnonoyesyesnonoyesnoyesnononononoyes PakistanPAK1617935100.5683686881 male17secondary5 richest 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenononoyesyesnonononononono PakistanPAK1335292071.0524418512 female23secondary4 fourth 20%yesnoyesnonononononoyesyesnoyesyesnononononononononoyesnononono2 somewhat possible1 savingsnonononononoyesnonoyesyesyes PakistanPAK1448883060.2483523462 female29secondary3 middle 20%nonononononononononoyesnonoyesnononoyesnononononoyesyesnoyesyes2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnononononoyesyes PakistanPAK1521814920.2483523462 female45secondary2 second 20%nonononononononononoyesnonoyesnonononononononoyesnonononono4 not at all possiblenonoyesyesnononononononoyes PakistanPAK1205408132.7439763442 female75completed primary or less3 middle 20%nonononononononononoyesyesyesyesnononononononononononononono4 not at all possiblenoyesyesnononononononononono PakistanPAK1967946020.2483523462 female42completed primary or less5 richest 20%yesyesnononoyes3 money is not deposited in a typical monthyes3 money is not taken out in a typical month2 you get it over the counter in a branch of your financial institutionnononononononononoyesnonononono4 not at all possiblenonoyesyesnononononononoyes PakistanPAK2066361000.9843392931 male27secondary5 richest 20%nonononononononononoyesnonononononoyesnonononoyesnonononono2 somewhat possible6 some other sourcenonoyesyesnonoyesyesnononononoyesyes PakistanPAK1728176740.4254980121 male61secondary5 richest 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible6 some other sourcenonoyesyesnononononononono PakistanPAK1863727380.3937357171 male27secondary4 fourth 20%nonononononononononoyesnonononononoyesnononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1264452300.2483523461 male29completed tertiary or more4 fourth 20%nonononononononononoyesnonononononononononononononononono3 not very possible2 family, relatives, or friendsnonoyesyesnononoyesnoyesnonononoyesyes PakistanPAK1417904900.5683686881 male22completed tertiary or more4 fourth 20%yesyesnoyesyesyesnoyes2 three or more times per monthyes2 three or more times per month1 you get it at an atmnonononoyesnononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnononononoyesno PakistanPAK1633808460.3711601332 female22secondary5 richest 20%nononononononononononoyesnononononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1212561780.2483523462 female32secondary5 richest 20%nononononononononononoyesnononononoyesnoyesnonoyesnonononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnononononoyesyes PakistanPAK1177612700.2483523462 female32secondary5 richest 20%nononononononononononoyesnononononoyesnonononoyesnonononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnononononoyesyes PakistanPAK1325864230.2483523462 female58secondary5 richest 20%nononononononononononoyesnononononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1799388510.2483523462 female35secondary1 poorest 20%nononononononononononoyesnononononoyesnonononoyesnonononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonoyesyesnonoyesyesnononononoyesyes PakistanPAK1781838190.5683686881 male17secondary5 richest 20%nononononononoyesnonoyesyesnononononoyesnoyesnononoyesnononono4 not at all possiblenononoyesyesnononononoyesyes PakistanPAK1875514000.2483523461 male43completed tertiary or more5 richest 20%yesyesnoyesyesnonoyes2 three or more times per monthyes2 three or more times per month1 you get it at an atmnononoyesyesyesnonononoyesnoyesnono2 somewhat possible3 money from working or a loan from an employeryesyesyesnononoyesyesnonoyesyesnononononoyesyes PakistanPAK1555310280.6446543591 male15completed primary or less4 fourth 20%nononononononoyesnonoyesyesnononononoyesnoyesnononoyesnoyesnono4 not at all possiblenononoyesyesnononononoyesyes PakistanPAK1361753610.2483523461 male48secondary5 richest 20%nononononononononononoyesnononononoyesnoyesnononoyesnoyesyesno2 somewhat possible2 family, relatives, or friendsnononoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1640846061.420921721 male18completed tertiary or more4 fourth 20%nononononononoyesnonoyesnonononononoyesnoyesnononononoyesnono4 not at all possiblenononoyesyesnononononoyesyes PakistanPAK1810418080.2483523462 female50completed primary or less4 fourth 20%nononononononononoyesnoyesnononononononononononoyesnonoyesno4 not at all possiblenoyesyesnononoyesyesnononononononoyes PakistanPAK1657111500.3256593682 female40secondary5 richest 20%nononononononononononoyesnononononoyesnoyesnononononononono2 somewhat possible1 savingsnononoyesyesnononononoyesno PakistanPAK1964429360.5832607692 female28secondary1 poorest 20%nonononononononononoyesnonoyesnononononononononoyesnononono3 not very possible2 family, relatives, or friendsnonononononononoyes PakistanPAK1200735660.4209767412 female16secondary4 fourth 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenononoyesyesnonononononono PakistanPAK1792709481.2644209152 female50completed primary or less3 middle 20%nononononononononononoyesnonononoyesnonoyesnonoyesyesnonoyesno2 somewhat possible1 savingsnononononononoyesyes PakistanPAK1246060150.5683686881 male23secondary3 middle 20%nononononononononononoyesnoyesnononoyesnononononononononono1 very possible2 family, relatives, or friendsnonoyesyesnonoyesyesnononononoyesno PakistanPAK1859455070.2483523461 male36secondary2 second 20%yesyesnoyesyesyesnonono2 you get it over the counter in a branch of your financial institutionnonononononononononononononono1 very possible2 family, relatives, or friendsnonoyesyesyesnoyesyesyesnoyesyesnoyesno2 over time as needed3 this was your first account, and it was opened so you could receive payments from an employer.nononono PakistanPAK1555961230.2483523461 male26secondary4 fourth 20%nononononononononononoyesnoyesnononononononononononononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnonoyesyesyesnononononono PakistanPAK1394832090.322327181 male20completed primary or less1 poorest 20%nononononononononononononoyesnononononononononoyesnononono2 somewhat possible3 money from working or a loan from an employernonoyesyesnononoyesyesyesnononononoyes PakistanPAK1247027860.2483523461 male32secondary3 middle 20%nononononononononononononoyesnononononoyesnonoyesnonononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonoyesyesyesnonononoyesyes PakistanPAK1324981400.2483523462 female60secondary5 richest 20%nononononononononononoyesnononononononononononoyesnonoyesno1 very possible1 savingsnonononononononoyes PakistanPAK1842667510.2793121412 female30completed primary or less5 richest 20%nonononononononononoyesyesnononononoyesnononononononononono1 very possible1 savingsnononononononoyesno PakistanPAK1781517280.2483523462 female38secondary3 middle 20%nonononononononononoyesnonoyesnononononoyesnonoyesyesnoyesnono2 somewhat possible1 savingsnononoyesyesnononononoyesyes PakistanPAK1407448000.2571200782 female30secondary4 fourth 20%nonononononononononoyesyesnononononononoyesnonoyesyesnononono4 not at all possiblenononoyesyesnononononoyesyes PakistanPAK1242989440.2483523462 female28secondary5 richest 20%nonononononononononoyesyesnononononononononononononononono1 very possible1 savingsnonoyesyesnononononononono PakistanPAK1737731600.3314424411 male24secondary5 richest 20%yesyesnoyesyesyesnoyes2 three or more times per monthyes2 three or more times per month1 you get it at an atmnonononononoyesnonoyesnonononono1 very possible1 savingsnonoyesyesnononoyesyesnoyesno2 over time as needed1 you had this account before you began receiving payments from an employer.nonoyesyes PakistanPAK1714772210.2483523461 male28secondary2 second 20%nononononononononononononoyesnononononoyesnonoyesyesnononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonoyesyesyesnonononoyesyes PakistanPAK1839381430.2483523461 male40secondary4 fourth 20%nononononononononononononoyesnononononoyesnonoyesyesnononono2 somewhat possible2 family, relatives, or friendsnononoyesyesnonoyesyesyesnonononoyesyes PakistanPAK1958714680.8207914031 male43completed primary or less5 richest 20%nononononononononononononoyesnononononoyesnonoyesyesnononono2 somewhat possible1 savingsnoyesyesnononoyesyesnonononononoyesyes PakistanPAK1579867700.2483523461 male38completed primary or less4 fourth 20%nononononononononononononoyesnononononoyesnonoyesyesnononono3 not very possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonoyesyesyesnonononoyesyes PakistanPAK1944888560.2483523462 female35completed primary or less2 second 20%yesnoyesnononononononoyesnonoyesnonononononononoyesyesnoyesyesno4 not at all possiblenoyesyesnoyesyesyesyesnonoyesyesnonononononoyes PakistanPAK1259199950.4209767412 female18completed primary or less1 poorest 20%nonononononononononoyesnonoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononononono PakistanPAK1519999390.2483523462 female40secondary4 fourth 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnononononononono PakistanPAK1847714200.2483523462 female32secondary4 fourth 20%nonononononononononoyesnonononononoyesnononononononononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnononononoyesno PakistanPAK1155630640.5586242832 female32completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononoyesnonoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononononononoyes PakistanPAK1994176620.3770838391 male40completed primary or less4 fourth 20%nononononononoyesnonoyesnononononoyesyesnoyesnonoyesyesnoyesyesno3 not very possible2 family, relatives, or friendsnoyesyesnonononoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1902272570.2483523461 male30secondary5 richest 20%nonononononononononoyesnonononononoyesnoyesnonoyesyesnoyesyesno2 somewhat possible1 savingsyesyesnononoyesyesnonononoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1806416230.6446543591 male17secondary5 richest 20%nononononononoyesnonoyesnonononononoyesnoyesnonoyesnonoyesnono4 not at all possiblenononoyesyesnononononoyesyes PakistanPAK1996307290.2483523461 male39completed primary or less3 middle 20%yesyesnoyesyesyesnoyes2 three or more times per monthyes2 three or more times per month2 you get it over the counter in a branch of your financial institutionnononoyesyesnoyesnonoyesnonoyesyesno3 not very possible3 money from working or a loan from an employeryesyesnononoyesyesnononoyesyesnonononononoyesyes PakistanPAK1557297130.8207914031 male40completed primary or less4 fourth 20%nononononoyesnoyesnonoyesnononononononononononoyesnonoyesnono4 not at all possibleyesyesnononoyesyesnononononoyesnoyesnononononoyes PakistanPAK1654968710.6314651112 female20completed primary or less4 fourth 20%nonononononononoyesnoyesnonoyesnononononononononoyesnononono2 somewhat possible1 savingsnonononononononoyes PakistanPAK2082344460.4214736382 female50completed primary or less5 richest 20%nonononononononononoyesnoyesyesnonononononononoyesyesnononono4 not at all possibleyesnononononoyesyesnononononononoyes PakistanPAK1157855740.8429472772 female52completed primary or less3 middle 20%nonononononononononoyesyesyesyesnononononoyesnonoyesyesnononono2 somewhat possible1 savingsnonoyesyesnonononononoyesyes PakistanPAK1331611850.2483523462 female30completed primary or less4 fourth 20%nonononononoyesnononoyesyesnoyesnononononoyesnononoyesnonoyesno2 somewhat possible2 family, relatives, or friendsnoyesyesnononoyesyesnonoyesyesnononononoyesyes PakistanPAK1317708641.3719881722 female55completed primary or less3 middle 20%nonononononononononoyesyesnonononononononononoyesyesnonoyesno4 not at all possiblenoyesyesnononoyesyesnononononononoyes PakistanPAK2086792610.2483523461 male32completed primary or less2 second 20%nononononononononononononoyesnoyesnonononononoyesnonoyesnono3 not very possible2 family, relatives, or friendsnononoyesyesnonoyesyesyesnonononoyesyes PakistanPAK1660583730.2965134241 male45secondary5 richest 20%yesyesyesnonononoyesnonoyesnonononoyesnononoyesnonoyesnonoyesnono3 not very possible3 money from working or a loan from an employernononononoyesnoyesyes2 over time as needed2 you had an account before, but this account was opened so you could receive payments from the government.noyesyes PakistanPAK2013746990.2483523461 male35secondary4 fourth 20%nononononononoyesnonoyesnonononoyesnononoyesnonoyesnonoyesnono3 not very possible4 a credit card or borrowing from a formal financial institutionnono(dk)nonononoyesyes PakistanPAK1944611220.7239116631 male55completed primary or less4 fourth 20%nonononononononononoyesnonoyesnoyesnonononononoyesnonoyesnono3 not very possible2 family, relatives, or friendsnononoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1382550730.8207914031 male40completed primary or less3 middle 20%nonononononononononoyesnonoyesnonononononononoyesnonononono4 not at all possiblenonoyesyesnononoyesnoyesnononononoyes PakistanPAK1510907370.2483523462 female30completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible1 savingsnonoyesyesnononononononono PakistanPAK1811100940.2483523462 female32secondary5 richest 20%nononononononononononononoyesnononoyesnononononononononono1 very possible1 savingsnonoyesyesnonononononoyesno PakistanPAK1355167680.2483523462 female30completed primary or less5 richest 20%nononononononononononononoyesnononononononononononononono3 not very possible1 savingsnonoyesyesnononononononono PakistanPAK1497575660.2793121412 female26completed primary or less3 middle 20%nonononononononononoyesnonononononononononononoyesnonoyesno3 not very possible2 family, relatives, or friendsnoyesyesnononoyesyesnonononononoyesyes PakistanPAK1332662960.2483523462 female52completed tertiary or more5 richest 20%nononononononononononononoyesnonoyesnonoyesnononononononono2 somewhat possible1 savingsnonoyesyesnonononononoyesno PakistanPAK1962428320.2483523461 male33completed primary or less4 fourth 20%nononononononoyesnonoyesnonononononoyesnoyesnonoyesnonoyesnono3 not very possible2 family, relatives, or friendsyesyesnononoyesyesnonononoyesyesnononononoyesyes PakistanPAK1272163200.3770838391 male44completed primary or less4 fourth 20%yesyesnononoyes2 three or more times per monthyes2 three or more times per month2 you get it over the counter in a branch of your financial institutionnononoyesyesnoyesnonoyesyesnoyesnono1 very possible1 savingsyesyesnononoyesyesnononoyesyesnonoyesyesnonoyesyesyesnonononoyesyes PakistanPAK1962867490.8207914031 male40completed primary or less2 second 20%nonononononoyesyesnonoyesnonononononoyesnoyesnonoyesyesnoyesyesno3 not very possible3 money from working or a loan from an employernononoyesyesnonoyesyesyesnonononoyesyes PakistanPAK2024959111.2893087191 male22completed primary or less5 richest 20%yesyesnoyesyesyesnoyes2 three or more times per monthyes2 three or more times per month2 you get it over the counter in a branch of your financial institutionyesnononononononononononononono3 not very possible2 family, relatives, or friendsyesnonononoyesnonononoyesnononononononoyesno PakistanPAK1562833710.9652155511 male70completed primary or less1 poorest 20%nononononoyesyesyesnononononoyesnonoyesyesnoyesnonoyesnonoyesnono3 not very possible2 family, relatives, or friendsnononononononoyesyes PakistanPAK1258515360.2483523462 female32completed primary or less5 richest 20%nonononononononononoyesyesnonononononononononoyesyesnonoyesno4 not at all possiblenoyesyesnononoyesyesnononononononoyes PakistanPAK1535420831.8326645382 female15completed primary or less5 richest 20%nonononononononononoyesyesnoyesnononononononononoyesnononono4 not at all possiblenonononononononoyes PakistanPAK1467120520.6859940862 female80completed primary or less3 middle 20%nonononononononononoyesnonoyesnononononononononoyesnonoyesno4 not at all possiblenoyesyesnononononononononoyes PakistanPAK1679040380.2916303842 female26completed primary or less4 fourth 20%nonononononononononoyesnoyesyesnonononononononoyesyesnonoyesno3 not very possible2 family, relatives, or friendsnoyesyesnononononononononoyes PakistanPAK1974253420.2483523462 female35completed primary or less2 second 20%nonononononononononoyesnoyesyesnononononoyesnonoyesyesnoyesyesno4 not at all possiblenononononononoyesyes PakistanPAK1160971963.1514502021 male56completed primary or less2 second 20%nonononononononononoyesnonoyesnonononononononoyesnonononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnoyesnonononoyesyesnonoyesyesnonoyesnoyesnononononoyes PakistanPAK1188078621.2908305481 male45completed primary or less5 richest 20%nononononononononoyesyesyesnononononononononononononononono4 not at all possiblenonoyesyesnonoyesyesnonoyesnoyesnononononono PakistanPAK1896403140.9669815391 male16completed primary or less1 poorest 20%nonononononononononoyesnonoyesnononoyesnononononononononono4 not at all possiblenononoyesyesnononononoyesno PakistanPAK2069193510.6454152741 male45completed primary or less2 second 20%nononononononoyesnonoyesnonononononoyesnonononoyesnonononono4 not at all possiblenonononoyesnoyesnonononoyesyes PakistanPAK1605956460.6446543591 male15completed primary or less1 poorest 20%nononononononoyesnonoyesnonoyesnononononononononononononono3 not very possible2 family, relatives, or friendsnononoyesyesnonononononono PakistanPAK1651733560.5359989962 female36completed primary or less4 fourth 20%nonononononononononoyesyesnoyesnononononoyesnononoyesyesnoyesno2 somewhat possible2 family, relatives, or friendsyesnonononononononononoyesyes PakistanPAK1323557781.6079969892 female38completed primary or less4 fourth 20%nononononononononononoyesnoyesnoyesnoyesnoyesnononoyesnoyesyesyes2 somewhat possible2 family, relatives, or friendsyesnonononoyesyesnonoyesyesyesnonoyesyesnononononoyesyes PakistanPAK1422321180.4716894222 female35completed primary or less5 richest 20%nononononononononononoyesnononoyesyesnoyesyesnonononononoyesno2 somewhat possible1 savingsyesnonononoyesyesnonoyesyesyesnononononoyesyesnonoyesyes PakistanPAK2102899190.2483523462 female37secondary5 richest 20%nononononononononononononoyesnononoyesnoyesnonoyesyesnononono2 somewhat possible1 savingsnononoyesyesnononononoyesyes PakistanPAK1812944840.6859940862 female55completed primary or less4 fourth 20%nonononononononononoyesyesnoyesnononononoyesnonoyesyesyesnoyesno2 somewhat possible1 savingsnononononononoyesyes PakistanPAK2110410532.7783809021 male18completed primary or less1 poorest 20%nononononononononononononoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1706635550.555676181 male17completed primary or less5 richest 20%nononononononononononononoyesnononononononononononononono1 very possible2 family, relatives, or friendsnoyesyesnononoyesyesnononononononono PakistanPAK1272669800.3250369821 male40completed primary or less2 second 20%yesnoyesnonononononononononoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsyesnonoyesnonoyesyesnononononononono PakistanPAK2078392520.3849430211 male30secondary5 richest 20%yesyesnoyesyesnononono1 you get it at an atmnonononononononononononononono1 very possible2 family, relatives, or friendsnonoyesyesnononononononono PakistanPAK2066009420.9751109451 male38secondary5 richest 20%yesyesnoyesyesnononono1 you get it at an atmnonononononononononononononono1 very possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononononono PakistanPAK2091114630.2513782092 female26secondary5 richest 20%nonononononononononoyesyesyesyesnononoyesnonononononoyesnonono1 very possible2 family, relatives, or friendsnononoyesyesnononononoyesyes PakistanPAK1987537970.7257431642 female20secondary5 richest 20%nonononononononononoyesnoyesyesnononoyesnonononoyesyesyesyesnono2 somewhat possible1 savingsnononoyesyesnononononoyesyes PakistanPAK1916920640.6394217862 female45completed primary or less5 richest 20%nonononononononononoyesnoyesyesnononononononononoyesyesnoyesno2 somewhat possible2 family, relatives, or friendsnonononononononoyes PakistanPAK2007879441.0886147462 female24completed primary or less4 fourth 20%nonononononononononoyesnoyesyesnononoyesnonononononoyesnonono1 very possible1 savingsnononoyesyesnononononoyesyes PakistanPAK1754736690.2513782092 female28completed primary or less5 richest 20%nonononononononononoyesnoyesyesnononoyesnononononononononono1 very possible1 savingsnononoyesyesnononononoyesno PakistanPAK1698747490.9798396211 male24secondary5 richest 20%nonononononononononoyesnoyesyesnonononononononoyesyesnononono4 not at all possiblenonononononononoyes PakistanPAK1464907951.6670285411 male21secondary5 richest 20%nononononononononononononoyesnononononononononononononono1 very possible2 family, relatives, or friendsnonoyesyesnononononononono PakistanPAK1895396931.5397720821 male30secondary4 fourth 20%yesnoyesnonononononononononoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsyesnonoyesnonoyesyesnonoyesyesnonoyesnoyesnononononoyes PakistanPAK2084901070.3250369821 male35completed primary or less4 fourth 20%nononononononononononononoyesnononononononononononononono2 somewhat possible3 money from working or a loan from an employernoyesyesnononoyesyesnononoyesnoyesnononononono PakistanPAK1287754831.1548290621 male30secondary1 poorest 20%nononononononononononononoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnoyesnonoyesnoyesyesnononoyesnoyesnononononono PakistanPAK1202998981.2197539922 female38completed primary or less4 fourth 20%nonononononononononoyesnoyesyesnononoyesnonononononoyesnonono1 very possible1 savingsnononononononoyesyes PakistanPAK1111210150.5027564172 female25completed primary or less5 richest 20%nonononononononononoyesnoyesyesnononoyesnononononononononono1 very possible1 savingsnononoyesyesnononononoyesno PakistanPAK1952208631.0055128352 female25secondary4 fourth 20%nonononononononononoyesnoyesyesnononoyesnonononononoyesnonono1 very possible1 savingsnononoyesyesnononononoyesyes PakistanPAK1660122560.2513782092 female32secondary5 richest 20%nonononononononononoyesnoyesyesnononoyesnonononononoyesnonono2 somewhat possible2 family, relatives, or friendsnononononononoyesyes PakistanPAK1123948110.9240358672 female42completed primary or less5 richest 20%nonononononononononoyesnoyesyesnonononononononononoyesyesnono1 very possible1 savingsnononoyesyesnonononononoyes PakistanPAK1276132841.1113523611 male24secondary5 richest 20%yesyesnoyesyesnonoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonononononononononononononono1 very possible1 savingsyesyesnonononoyesyesnononoyesyesnoyesno2 over time as needed3 this was your first account, and it was opened so you could receive payments from an employer.nonoyesno PakistanPAK1939966823.4890277391 male70completed primary or less5 richest 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononoyesyesnononono PakistanPAK1516173671.5397720821 male26secondary4 fourth 20%nononononononononononoyesnoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1233522251.112664141 male45completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononoyesyesnonoyesno PakistanPAK1192897761.112664141 male53completed primary or less1 poorest 20%yesnoyesnonononononononononoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnoyesnonoyesnoyesyesnononononononono PakistanPAK1327987031.2797235722 female22completed tertiary or more1 poorest 20%nononononoyesnononoyesyesyesnononononononononononononononono4 not at all possiblenononoyesyesnonoyesnoyesnononononono PakistanPAK1470497941.0943405762 female30completed primary or less1 poorest 20%yesyesnononoyesnononoyesnonoyesyesnononononononononononononono4 not at all possiblenoyesyesnononoyesnoyesnoyesyesnonoyesnoyesnononononono PakistanPAK1131692641.2797235722 female22secondary4 fourth 20%nononononoyesnoyesnononoyesnononononoyesnononononoyesnononono4 not at all possiblenoyesyesnononoyesyesnonoyesyesnonoyesnoyesnono(ref)noyesyes PakistanPAK1288806613.4890277392 female43completed primary or less1 poorest 20%nononononoyesnonononononononononononononononoyesnonononono4 not at all possibleyesnonononononoyesyesnonoyesnoyesnononononoyes PakistanPAK1312474250.5027564172 female30completed primary or less5 richest 20%nononononoyesnoyesnonoyesnonoyesnononoyesnononononoyesnoyesyesno4 not at all possiblenononoyesyesnononoyesyesnononoyesyes PakistanPAK1524373240.6226153391 male35completed primary or less2 second 20%nonononononoyesnonoyesyesnonoyesnononononononononoyesnoyesnono3 not very possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononononoyes PakistanPAK1286386500.3849430211 male30secondary4 fourth 20%yesyesnoyesyesnonoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnononoyesyesnoyesno2 over time as needed2 you had an account before, but this account was opened so you could receive payments from an employer.nonoyesno PakistanPAK2061589161.6251849081 male42secondary4 fourth 20%nonononononoyesnoyesnonoyesnoyesnonoyesnononoyesnonononononono1 very possible1 savingsnonononoyesnoyesnonononoyesno PakistanPAK1467322721.0644096921 male16completed primary or less5 richest 20%nonononononoyesnoyesnoyesnonoyesnononononononononoyesnononono3 not very possible2 family, relatives, or friendsnonononoyesnoyesnononononoyes PakistanPAK1486235631.112664141 male45completed primary or less3 middle 20%nonononononoyesnoyesnoyesnoyesnonononononononononoyesnonoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnononoyesyesnonoyesnoyesnononononoyes PakistanPAK1278374431.9260814932 female27completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1324950230.7257431642 female18secondary5 richest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1626676280.4432623482 female30completed tertiary or more1 poorest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1245992470.2716566552 female55secondary5 richest 20%nonononononononononoyesnonoyesnononononononononononononono1 very possible1 savingsnonononononononono PakistanPAK1659764410.5007162072 female52secondary4 fourth 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20%nonononononononononoyesnonononononoyesnoyesnononononononono2 somewhat possible1 savingsnonoyesyesnoyesyesnononoyesnoyesnonononoyesno PakistanPAK1876843650.543313312 female56secondary4 fourth 20%nonononononononononononoyesnonononononononononononononono2 somewhat possible1 savingsnonoyesyesnononononononono PakistanPAK2101434531.0055128352 female30completed primary or less3 middle 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1745811020.2483523462 female42secondary5 richest 20%nononononononononononononoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1563939720.4065846642 female40completed primary or less5 richest 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible1 savingsnonoyesyesnononono(dk)nonono PakistanPAK1942849670.2483523462 female40secondary4 fourth 20%nonononononononononoyesnonononononononononononononononono3 not very possible1 savingsnonoyesyesnononononononono PakistanPAK1222608771.1113523611 male17secondary5 richest 20%nononononononoyesnonoyesnonoyesnononononononononononononono3 not very possible2 family, relatives, or friendsnononoyesyesnonononononono PakistanPAK1400321922.4495990521 male21secondary1 poorest 20%nononononononononononononoyesnononononononononononononono1 very possible2 family, relatives, or friendsnoyesnononoyesnonononononono PakistanPAK1219663830.9798396211 male24completed tertiary or more5 richest 20%yesyesnoyesyesnonoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonononononononononononononono1 very possible2 family, relatives, or friendsnoyesnononoyesyesyesnononononononono PakistanPAK1797115542.2120999411 male25completed primary or less5 richest 20%nonononononononononoyesnoyesyesnonononononononoyesnonononono2 somewhat possible2 family, relatives, or friendsyesyesnonononoyesyesnononoyesnoyesnonononoyesyes PakistanPAK1274797421.1548290621 male26completed primary or less5 richest 20%nononononononoyesnononononoyesnononononononononononononono4 not at all possiblenoyesyesnononononoyesnoyesnononononono PakistanPAK1250331790.9597926792 female24completed tertiary or more1 poorest 20%nononononoyesnoyesnonoyesyesnononononoyesnonononoyesyesnoyesyesno4 not at all possibleyesyesnononononononononoyesyes PakistanPAK1445559650.2483523462 female38secondary1 poorest 20%nononononoyesnonoyesnonoyesnonononoyesyesnononononoyesnoyesyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnononoyesyesnononononoyesyes PakistanPAK1520958731.0886147462 female20secondary3 middle 20%nononononoyesnonoyesnononononononoyesyesnononononononoyesyesno4 not at all possiblenononononononoyesyes PakistanPAK1450207890.2513782092 female33completed primary or less1 poorest 20%nonononoyesnoyesnonoyesnononoyesnonononoyesnononononoyesnoyesyesno4 not at all possiblenononononononoyesyes PakistanPAK1483261500.6367738332 female40secondary5 richest 20%nononononoyesnononononononononononoyesnonononononononoyesno4 not at all possiblenononoyesyesnononononoyesyes PakistanPAK1509276581.1113523611 male15completed primary or less5 richest 20%yesnoyesnononononononononoyesnonononononononononononononono1 very possible2 family, relatives, or friendsyesyesnoyesyesnoyesyesnonoyesyesnononononoyesno PakistanPAK1132942391.3575619641 male25completed tertiary or more4 fourth 20%yesyesnoyesyesnonoyes3 money is not deposited in a typical monthyes3 money is not taken out in a typical month1 you get it at an atmnonononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1849863740.3342288751 male40completed tertiary or more4 fourth 20%nonononoyesyesnonononononononononononoyesnonononoyesnonononono1 very possible3 money from working or a loan from an employernonoyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1972003420.3849430211 male28secondary5 richest 20%yesnoyesnonononononononononononononononononononononononono1 very possible2 family, relatives, or friendsnonoyesyesnonononononoyesno PakistanPAK1387609470.4895829171 male52completed primary or less5 richest 20%yesyesyesnonononoyesnononononoyesnononononononononononononono1 very possible3 money from working or a loan from an employernonononoyesnonoyesyes2 over time as needed2 you had an account before, but this account was opened so you could receive payments from an employer.nononono PakistanPAK1202699610.9597926792 female18secondary5 richest 20%nonononononononononoyesnoyesyesnononononononononononononono6 (refused)nonononononononono PakistanPAK1207390170.9630407462 female27completed primary or less5 richest 20%nonononononononononoyesnoyesyesnononononononononoyesyesyesnono2 somewhat possible1 savingsnonoyesyesnonoyesyesnonononononoyes PakistanPAK1413902610.3338108042 female45secondary1 poorest 20%nonononononononononoyesnoyesyesnononoyesnononononoyesyesyesnono1 very possible1 savingsnonoyesyesnonoyesyesnononononoyesyes PakistanPAK1166900750.2584870672 female27secondary4 fourth 20%nonononononononononoyesnoyesyesnononoyesnononononononoyesnono1 very possible1 savingsnononoyesyesnononononoyesyes PakistanPAK2080246180.8131693282 female40completed primary or less5 richest 20%nonononononononononoyesnoyesyesnonononononononononoyesnonono2 somewhat possible1 savingsnonoyesyesnonoyesyesnonononononoyes PakistanPAK1745463943.4890277391 male34completed primary or less5 richest 20%nonononononononononoyesyesnononoyesnoyesnoyesnononononononono1 very possible1 savingsnonoyesyesnonoyesyesnononononoyesno PakistanPAK1249619460.7373666471 male32completed primary or less5 richest 20%nonononononononononoyesnonononononoyesnoyesnononoyesnononoyes2 somewhat possible1 savingsyesnononononoyesyesnonoyesyesnononononoyesyes PakistanPAK1463522941.5397720821 male27completed primary or less5 richest 20%nonononononononononoyesnononononoyesyesnoyesnonononoyesnonono2 somewhat possible1 savingsyesyesnonoyesnoyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1575758253.3515933541 male31completed primary or less5 richest 20%nonononononononononoyesnonononoyesnoyesnoyesnononononononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnonononoyesnononoyesno PakistanPAK1119138480.9798396211 male20completed tertiary or more5 richest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonoyesyesnonoyesyesnonononononono PakistanPAK1397920800.543313312 female57secondary5 richest 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnononononononono PakistanPAK1895260590.2483523462 female43secondary5 richest 20%nononononononoyesyesnoyesyesnoyesnononoyesnononononononononono1 very possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonoyesnonononononoyesno PakistanPAK1256866260.2943090452 female47secondary5 richest 20%nononononononoyesyesnonoyesnoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK2061511810.2483523462 female37completed tertiary or more5 richest 20%nononononononoyesyesnoyesyesnononononononononononononononono2 somewhat possible1 savingsnononoyesyesnonoyesnoyesnononononono PakistanPAK1576647130.2513782092 female30secondary5 richest 20%nononononononoyesnonoyesyesnononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1192819101.1548290621 male28completed primary or less5 richest 20%nonononononononononoyesnonononoyesnononoyesnononononononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnonononoyesyesnonoyesno PakistanPAK1929789800.7373666471 male32completed primary or less4 fourth 20%nonononononononononoyesnononononononononononoyesnonononoyes2 somewhat possible2 family, relatives, or friendsnoyesyesnononoyesyesnonoyesyesnonoyesnoyesnononoyesyesnononoyes PakistanPAK1135400951.1113523611 male16secondary4 fourth 20%nonononononononononoyesnonononoyesnoyesnononononononononono3 not very possible1 savingsnonoyesyesnonoyesyesnononononoyesno PakistanPAK1745782002.2227047211 male17completed primary or less1 poorest 20%nonononononononononoyesnonononoyesnonononoyesnonononononono2 somewhat possible1 savingsnonoyesyesnononononoyesyesnonoyesno PakistanPAK1224960010.3250369821 male40completed primary or less4 fourth 20%nonononononononononoyesnonononoyesnoyesnononononononononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnonononoyesyesnonoyesno PakistanPAK1955179431.0886147462 female16completed primary or less5 richest 20%nonononononononoyesnonoyesyesnonononononononononononononono1 very possible2 family, relatives, or friendsnonononononononono PakistanPAK1695953830.3197108932 female50completed primary or less5 richest 20%nononononoyesnoyesnononoyesnononononononononononononononono1 very possible2 family, relatives, or friendsnonononononononono PakistanPAK1151530200.6648935232 female26completed tertiary 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institutionnonononoyesyesnononoyesyesnononono2 somewhat possible1 savingsnoyesyesnononoyesyesnonoyesyesnononononoyesyes PakistanPAK1246349423.4890277391 male25completed primary or less3 middle 20%nonononononononononoyesnononononononononononoyesnonononono2 somewhat possible1 savingsnonoyesyesnononononononoyes PakistanPAK1554825173.4890277391 male25completed primary or less3 middle 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnononononononononoyesyesnonoyesno2 somewhat possible1 savingsnoyesyesnononoyesyesnononononononoyes PakistanPAK1663401733.4890277391 male18completed primary or less3 middle 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK2089467853.4890277391 male20completed primary or less3 middle 20%nononononononoyesnonoyesnonononononononononononononononono2 somewhat possible3 money from working or a loan from an employernonononoyesyesyesnononononono PakistanPAK2082089730.2513782092 female30secondary5 richest 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1589996920.6398617862 female19secondary3 middle 20%nonononononononononoyesyesnoyesnononononononononononononono1 very possible1 savingsnonononononononono PakistanPAK1563264792.1886811522 female30completed primary or less2 second 20%nononononononononoyesnonoyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1564775660.5027564172 female25secondary2 second 20%nonononononononoyesyesnononoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1111781080.2483523462 female40secondary5 richest 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1398992580.3958290291 male33secondary4 fourth 20%yesyesnoyesyesnonoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnononononoyesnononoyesnonononono2 somewhat possible3 money from working or a loan from an employernonoyesyesnononoyesyesnoyesno2 over time as needed2 you had an account before, but this account was opened so you could receive payments from an employer.noyesyesnonoyesyes PakistanPAK1511085442.7783809021 male18secondary4 fourth 20%nononononononoyesnoyesyesyesyesnonononononononononononononono2 somewhat possible1 savingsyesyesnonononoyesyesnononononononono PakistanPAK1619844830.3342288751 male44completed tertiary or more5 richest 20%yesyesnoyesyesnonoyes1 one or two times per monthyes2 three or more times per month1 you get it at an atmnonononoyesnononoyesyesyesnononono1 very possible1 savingsyesyesnonononoyesyesnonoyesyesnonoyesyesnoyesno1 all of the money right away2 you had an account before, but this account was opened so you could receive payments from an employer.noyesyesnonoyesyes PakistanPAK2019252490.555676181 male22completed primary or less2 second 20%nonononononononononoyesnoyesnononononononononoyesnonononono2 somewhat possible3 money from working or a loan from an employeryesyesnonononoyesyesnononoyesnoyesnononononoyes PakistanPAK1267499231.1113523611 male16secondary5 richest 20%nononononononoyesnonoyesyesyesnononononononononoyesnonononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnononononoyesyes PakistanPAK1112442883.4890277392 female20completed primary or less1 poorest 20%nononononononononononoyesnononononononononononononononono4 not at all possiblenono(dk)nononononono PakistanPAK2006281260.2483523462 female42secondary5 richest 20%nononononoyesnononoyesnoyesnoyesnononononononononononononono1 very possible1 savingsnonoyesyesnonoyesyesnonononononono PakistanPAK2086624081.4531995832 female45completed primary or less1 poorest 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1364186161.0943405762 female26completed primary or less1 poorest 20%nonononono(dk)nononononononononononononononononononononono4 not at all possibleyesnononononoyesyesnononononononono PakistanPAK1373352701.4531995832 female46completed primary or less1 poorest 20%nonononononononononoyesnoyesyesnononononononononononononono4 not at all possibleyesnononononoyesyesnononononononono PakistanPAK1169726160.6500739631 male36completed primary or less3 middle 20%yesyesyesyesyesyesnoyes2 three or more times per monthyes2 three or more times per month1 you get it at an atmyesyesnononononononoyesyesnonoyesyes1 very possible1 savingsyesyesnonoyesyesyesnonoyesyesyesnonononononoyesyes PakistanPAK1540683250.555676181 male17completed primary or less5 richest 20%nononononononononononoyesnononononononoyesnonoyesyesnononono1 very possible2 family, relatives, or friendsyesyesnononoyesyesnononoyesyesnonononononoyesyes PakistanPAK1983088381.6670285411 male21completed primary or less2 second 20%nonononononononononoyesnononononononononononoyesyesnonoyesno2 somewhat possible2 family, relatives, or friendsyesyesnononoyesnononoyesyesyesnononononoyesyesnononoyes PakistanPAK2040789790.4895829171 male50completed primary or less3 middle 20%nonononononononononoyesnononononononononononoyesyesnonoyesno2 somewhat possible1 savingsnoyesyesnononoyesyesnononoyesnoyesnononoyesyesnononoyes PakistanPAK1725090262.4495990521 male22completed tertiary or more3 middle 20%yesnoyesnononononononoyesnononoyesnononononononoyesyesnonoyesno2 somewhat possible1 savingsyesyesnononoyesyesnononoyesyesnononononononoyes PakistanPAK1209621391.0886147462 female22secondary1 poorest 20%nonononononononononononoyesyesnononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1243987450.9240358672 female40completed primary or less2 second 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenonoyesyesnonoyesyesnonononononono PakistanPAK1594322650.7257431642 female23secondary2 second 20%nononononononononononononononononononononononononononono2 somewhat possible5 (a/an [insert local terminology for private lenders (i.e., loan shark or pawn shop)])nonononononononono PakistanPAK1659950340.2483523462 female45completed tertiary or more5 richest 20%nononononononoyesnononononoyesnononononononononononononono4 not at all possiblenoyesyesnononoyesyesnononononononono PakistanPAK1352933620.3628715822 female24completed primary or less1 poorest 20%nononononononoyesnonoyesyesyes(dk)nononononononononononononono3 not very possible2 family, relatives, or friendsnononononononoyesno PakistanPAK1697203122.7783809021 male22secondary4 fourth 20%nonononononononononoyesyesnononoyesnononoyesnonoyesyesnononoyes1 very possible1 savingsyesyesnonoyesyesyesnonoyesyesyesnonoyesyesnonononoyesnononoyesyes PakistanPAK1337380621.5397720821 male30secondary1 poorest 20%nonononononononononoyesnonononononononoyesnonoyesyesyesnoyesyes3 not very possible1 savingsyesyesnononoyesyesnononoyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1301313150.4895829171 male47completed primary or less4 fourth 20%nonononononononononoyesnononononononononononoyesyesnonoyesyes2 somewhat possible2 family, relatives, or friendsnoyesyesnononoyesyesnonoyesyesnonoyesnoyesnononononoyes PakistanPAK1377686962.9494665881 male26completed primary or less3 middle 20%nonononononononononoyesnonononoyesnononoyesnonoyesyesnononoyes1 very possible1 savingsyesyesnononoyesyesnononoyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1412810041.6757966771 male32completed primary or less2 second 20%nonononononoyesnononoyesnoyesyesnononononoyesyesyesyesnononoyesno4 not at all possiblenonoyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1129068081.0886147462 female16secondary3 middle 20%nononononononoyesnonoyesyesyesyesnononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1681730470.2513782092 female27completed primary or less1 poorest 20%nonononononononononoyesnononononononononononoyesyesnononono4 not at all possiblenonononononononoyes PakistanPAK1599495781.4514863282 female17completed primary or less1 poorest 20%nonononononoyesnononoyesyesnononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK2014307420.7257431642 female16completed primary or less4 fourth 20%nononononononononononononoyesnononononononononononononono4 not at all possiblenononoyesyesnonononononono PakistanPAK1196427470.4815203732 female30completed primary or less4 fourth 20%nonononononononononoyesyesyesyesnononoyesnoyesnononoyesnoyesnono2 somewhat possible1 savingsnonoyesnononononononoyesyes PakistanPAK1350605311.8109816381 male63completed primary or less5 richest 20%nononononononononononononoyesnononononoyesnonoyesyesnononono1 very possible6 some other sourceyesyesnononoyesyesnononoyesyesnonoyesyesnononononoyesyes PakistanPAK1398875310.6226153391 male38completed primary or less4 fourth 20%nonononononononononoyesnonononoyesnononoyesnonoyesyesnononoyes3 not very possible6 some other sourceyesyesnonoyesyesyesnonoyesyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK2003927563.4890277391 male22completed primary or less1 poorest 20%nonononononononononoyesnonoyesnonononononononoyesyesnononono2 somewhat possible2 family, relatives, or friendsnonononoyesnoyesnononononoyes PakistanPAK1517200833.4890277391 male60completed primary or less5 richest 20%nonononononononononoyesyesnonononononononononoyesyesnonoyesno2 somewhat possible6 some other sourceyesyesnononoyesyesnononoyesyesnononoyesnoyesnononononoyes PakistanPAK1277731430.6787809821 male33secondary5 richest 20%nonononononononononoyesnonoyesnonononononononoyesnonononono1 very possible1 savingsyesyesnonoyesyesyesnonoyesnonoyesnoyesnononononoyes PakistanPAK1587367891.4531995832 female50completed primary or less2 second 20%nononononononoyesnonoyesnononononoyesnononononoyesnonononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononononoyesyesnonoyesyes PakistanPAK1543430221.0943405762 female30completed primary or less5 richest 20%nonononononoyesnononoyesnoyesnononononononononoyesnonononono4 not at all possiblenonononononononoyes PakistanPAK1877197061.0886147462 female22secondary3 middle 20%nonononononoyesnonononoyesnonoyesnonoyesnonoyesnonononononono3 not very possible2 family, relatives, or friendsyesyesnonoyesyesyesnonoyesnoyesyesnononononoyesno PakistanPAK1400431710.2513782092 female28completed primary or less4 fourth 20%nonononono(dk)noyesnonoyesnonononononoyesnonononoyesnononoyesno2 somewhat possible2 family, relatives, or friendsnonoyesyesnonononononoyesyes PakistanPAK1357527671.8480717342 female43completed primary or less2 second 20%nononononononoyesnonoyesnonononononoyesnonononoyesyesnonoyesno4 not at all possiblenoyesyesnononoyesyesnonononoyesyesnononoyesyes PakistanPAK1140720290.3035539731 male31completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono1 very possible2 family, relatives, or friendsnononoyesyesnonononononono PakistanPAK1315831311.4910646511 male55completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono1 very possible2 family, relatives, or friendsnonononononononono PakistanPAK1364825040.2483523461 male39completed tertiary or more5 richest 20%nonononononononononoyesnonononononononononononononononono1 very possible2 family, relatives, or friendsnonononononononono PakistanPAK1227150090.2483523461 male20secondary1 poorest 20%nonononononononononoyesnonononononononononononononononono1 very possible2 family, relatives, or friendsnonononononononono PakistanPAK1127846320.6850173871 male57completed primary or less5 richest 20%yesyesnoyesyesnononoyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1629110230.5982430972 female50completed primary or less4 fourth 20%nononononoyesnonononoyesnononononoyesyesnononononoyesnonoyesno2 somewhat possible2 family, relatives, or friendsnoyesyesnononoyesyesnonononononoyesyes PakistanPAK1985436131.8020420692 female28completed primary or less2 second 20%nononononoyesyesnonononononononononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK2069995460.7608013182 female35completed primary or less5 richest 20%nonononononoyesnononoyesnonoyesnonoyesyesnoyesnononoyesnonoyesno2 somewhat possible1 savingsnoyesyesnonononoyesyesnononononoyesyes PakistanPAK1245830610.858447392 female18completed primary or less5 richest 20%nononononoyesyesnoyesnonononononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1426159771.5216026372 female40completed primary or less1 poorest 20%nononononoyesyesnoyesnononoyesyesnonononononononoyesyesyesyesyesno2 somewhat possible2 family, relatives, or friendsnoyesyesnononononononononoyes PakistanPAK2065737150.457513811 male15secondary5 richest 20%nonononononononononoyesyesnononononononononononoyesnononono3 not very possible2 family, relatives, or friendsnononoyesyesnonononononoyes PakistanPAK2008619090.3019776631 male57completed tertiary or more5 richest 20%yesyesnoyesyesyesnoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnononoyesyesyesnonononononononono1 very possible3 money from working or a loan from an employeryesyesyesnonoyesyesyesnononoyesyesnonoyesyesnoyesno2 over time as needed2 you had an account before, but this account was opened so you could receive payments from an employer.nonoyesno PakistanPAK1707447960.6050603411 male20secondary1 poorest 20%nonononononononononoyesyesnononononoyesnonoyesnononoyesnoyesno1 very possible2 family, relatives, or friendsnononoyesyesnonononoyesyesnonoyesyes PakistanPAK1152337551.3741615041 male48completed primary or less3 middle 20%nononononononononononononoyesnoyesnononononononoyesyesnonoyes2 somewhat possible2 family, relatives, or friendsyesyesnononoyesyesnonononononononoyesyes PakistanPAK1858284120.9106619191 male28completed primary or less4 fourth 20%nononononononononononononoyesnoyesyesnononoyesnonononononono2 somewhat possible6 some other sourceyesyesnononoyesyesnonononononononoyesno PakistanPAK1916491990.4505105172 female30completed primary or less5 richest 20%nononononoyesyesnonononononononononononoyesnonononoyesnonoyes2 somewhat possible4 a credit card or borrowing from a formal financial institutionnononononononoyesyes PakistanPAK1800929040.3804006592 female40completed primary or less2 second 20%nonononononoyesnoyesnonononononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1427509460.7608013182 female35completed primary or less5 richest 20%nononononoyesnononononononononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1224923100.2483523462 female50secondary1 poorest 20%yesyesnonononoyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononoyesnonoyesnonononononono1 very possible3 money from working or a loan from an employernonoyesyesnonoyesyesnonoyesnonoyesno1 all of the money right away2 you had an account before, but this account was opened so you could receive payments from an employer.nonoyesno PakistanPAK1263835640.8973646462 female45completed primary or less1 poorest 20%nonononononononononoyesnoyesnonononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1640557251.3741615041 male45completed primary or less5 richest 20%nononononoyesyesyesyesnononoyesyesnoyesnononoyesnonoyesyesyesnonoyes2 somewhat possible1 savingsyesyesnononoyesyesnononoyesyesnononononoyesyesnonoyesyes PakistanPAK1303851710.9958618321 male15completed primary or less2 second 20%nononononononononononononoyesnonoyesnonoyesnononononononono2 somewhat possible2 family, relatives, or friendsnoyesyesnononoyesyesnonoyesyesnonononoyesyesnonoyesno PakistanPAK1611206140.2483523461 male45completed primary or less4 fourth 20%nononononononononononoyesnonononononononononoyesyesyesnoyesno4 not at all possiblenoyesyesnononoyesyesnononoyesnoyesnononononoyes PakistanPAK1506225570.513763041 male65secondary1 poorest 20%nononononononononononononoyesnoyesyesyesnoyesnononononononono2 somewhat possible6 some other sourcenonoyesyesnonoyesyesnonononoyesyesnonoyesno PakistanPAK1418280830.4381887791 male17completed primary or less5 richest 20%nonononononononononoyesnonoyesnonononononononoyesyesyesnonono2 somewhat possible6 some other sourcenonoyesyesnononoyesnoyesnononononoyes PakistanPAK2001753891.5216026372 female40completed primary or less3 middle 20%nonononononononononoyesnoyesnonononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1934417322.6012988952 female23completed primary or less4 fourth 20%nonononononononononoyesnoyesnonononononononononononononono3 not very possible6 some other sourcenonononononononono PakistanPAK1814398970.6580817842 female50completed primary or less4 fourth 20%nonononononononononoyesnoyesnonononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1867412620.4481533472 female20secondary5 richest 20%nononononononoyesnonoyesnoyesnonononononononononononononono5 (dk)(dk)nononononononono PakistanPAK1671337110.8973646462 female45completed primary or less1 poorest 20%nonononononononononoyesnoyesnonononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesnonononononononono PakistanPAK1732852110.403373561 male17secondary5 richest 20%nononononononoyesnonoyesnonononononononononononoyesnoyesnono2 somewhat possible2 family, relatives, or friendsnononoyesyesnonononononoyes PakistanPAK2029302630.4191537511 male26secondary5 richest 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononononononononononononono1 very possible2 family, relatives, or friendsnonoyesyesnononononononono PakistanPAK1279491850.2483523461 male46secondary5 richest 20%nonononononoyesnonononononoyesnononononoyesyesnonononononono1 very possible1 savingsnonoyesyesnononoyesnoyesnonononoyesno PakistanPAK1558897670.2783018691 male53completed tertiary or more5 richest 20%yesyesnonoyesnoyes2 three or more times per monthyes2 three or more times per month2 you get it over the counter in a branch of your financial institutionnonoyesnonoyesyesnononononononono1 very possible1 savingsnonoyesyesnonoyesyesnonoyesnoyesnonononoyesno PakistanPAK1748577590.4191537511 male29completed tertiary or more5 richest 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnononoyesyesnoyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from an employer.nononono PakistanPAK2068947420.2483523462 female39secondary5 richest 20%nononononononononononononononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1417573560.5975377962 female22secondary3 middle 20%nononononoyesyesnoyesnoyesnonoyesnononononononononononononono1 very possible1 savingsnonononononononono PakistanPAK1620644290.4505105172 female30completed primary or less2 second 20%nonononononoyesnononoyesnonoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1141232480.2483523462 female28secondary5 richest 20%nonononononononononoyesnonononononononononononononononono1 very possible1 savingsnononoyesyesnonononononono PakistanPAK1196440420.2483523462 female33completed primary or less4 fourth 20%nononononononononononononononononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1174756330.2627950961 male47secondary5 richest 20%nononononononononononononoyesnonoyesyesnoyesnononoyesnonoyesno1 very possible2 family, relatives, or friendsyesyesnonoyesyesyesnononoyesnononononononoyesyes PakistanPAK1878056300.6206598411 male24completed primary or less4 fourth 20%nononononononononoyesnononoyesnononoyesnonononoyesyesnonoyesno2 somewhat possible2 family, relatives, or friendsyesnononoyesnoyesnononoyesnonononononoyesyes PakistanPAK1162182040.2483523461 male40secondary3 middle 20%yesyesnoyesyesnononono1 you get it at an atmnononoyesyesnoyesnonoyesyesnonoyesno2 somewhat possible1 savingsnoyesyesnononoyesyesnonoyesyesnononononoyesyes PakistanPAK1321899920.571346831 male19secondary5 richest 20%nononononononononononononoyesnononoyesnonononoyesyesnononono1 very possible2 family, relatives, or friendsnoyesyesnononoyesnononoyesnonononononoyesyes PakistanPAK1912916230.3240161121 male16secondary5 richest 20%nononononononononononononoyesnononoyesnoyesnononoyesnononono1 very possible2 family, relatives, or friendsnonoyesnononoyesnonononononoyesyes PakistanPAK2098365930.2483523462 female27completed tertiary or more5 richest 20%nonononononononononoyesnonoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK2041234260.9211336732 female19completed primary or less5 richest 20%nonononononononononoyesnonoyesnononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1885310800.2694037642 female35completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1857870040.3230841712 female25completed tertiary or more1 poorest 20%nonononononononononoyesnonononononoyesnoyesnononononononono2 somewhat possible1 savingsnononoyesyesnonoyesyesyesnonononoyesno PakistanPAK1635635790.2483523462 female34completed tertiary or more5 richest 20%yesyesnononoyes1 one or two times per monthno2 you get it over the counter in a branch of your financial institutionnononoyesnoyesnonononononononono1 very possible1 savingsnononononononoyesno PakistanPAK2046635470.3630484961 male44completed primary or less4 fourth 20%yesyesnoyesyesyesnoyes3 money is not deposited in a typical monthyes1 one or two times per month1 you get it at an atmnonoyesnononoyesnonoyesyesnononoyes1 very possible2 family, relatives, or friendsnonononononoyesyesnonoyesyes PakistanPAK1516945370.2842947641 male44secondary4 fourth 20%nonononononononononoyesyesnoyesnonononononononoyesyesnoyesnono1 very possible2 family, relatives, or friendsyesnononoyesnoyesyesnonoyesyesnonononoyesyesnononoyes PakistanPAK1623794290.3366917961 male28secondary5 richest 20%nononononononononononoyesnoyesnononoyesnoyesnonoyesyesnononono1 very possible2 family, relatives, or friendsnononononononoyesyes PakistanPAK1893074170.2483523461 male50secondary4 fourth 20%yesyesnoyesyesyesnoyes1 one or two times per monthyes2 three or more times per month1 you get it at an atmnonononoyesnonononoyesyesnononono1 very possible2 family, relatives, or friendsnoyesyesnonoyesyesyesyesnoyesyesyesnonononoyesyes PakistanPAK1520753790.5279938651 male60completed primary or less4 fourth 20%yesyesnoyesyesyesnoyes3 money is not deposited in a typical monthyes1 one or two times per month1 you get it at an atmnonoyesnonoyesnononoyesyesnononoyes1 very possible2 family, relatives, or friendsnonononononoyesyesnonoyesyes PakistanPAK1789386201.2762252222 female30completed primary or less1 poorest 20%nononononononononononoyesnononononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1987678830.2483523462 female30completed tertiary or more4 fourth 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononoyesnoyesnononononononono2 somewhat possible2 family, relatives, or friendsnononoyesyesnonoyesyesnoyesno2 over time as needed3 this was your first account, and it was opened so you could receive payments from an employer.nonoyesno PakistanPAK1823175840.5388075272 female40completed primary or less2 second 20%nonononononononononoyesnonoyesnononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK2069401471.3817005092 female20completed primary or less3 middle 20%nonononononononononoyesnonoyesnononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1960345510.4231825772 female22completed primary or less4 fourth 20%nonononononononononoyesnonoyesnononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1852025250.9798396211 male20secondary5 richest 20%yesnoyesnononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1351974020.6226153391 male39completed primary or less5 richest 20%nonononononoyesnonononoyesnononononoyesnononononononononono2 somewhat possible6 some other sourceyesyesnonononoyesyesnonoyesnonononononoyesno PakistanPAK1153610700.6226153391 male44completed primary or less4 fourth 20%nonononononononononoyesnoyesyesnonononononononoyesnonononono3 not very possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononononoyes PakistanPAK1726192662.2227047211 male16secondary5 richest 20%nononononononoyesnoyesyesyesnononononononononononononononono4 not at all possiblenonononononononono PakistanPAK2012754342.1288193841 male22completed primary or less5 richest 20%nononononononononononononononononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1400766940.2483523462 female35completed tertiary or more5 richest 20%yesyesyesyesyesyesnoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonononoyesyesnonononononononono1 very possible2 family, relatives, or friendsyesyesnoyesnonoyesyesnoyesyesyesnononononoyesno PakistanPAK2022963813.4890277392 female75completed primary or less4 fourth 20%nonononononononononoyesyesyesnononononononononoyesnononoyesno4 not at all possiblenoyesyesnononoyesyesnononononononoyes PakistanPAK1475721210.8865246972 female25completed tertiary or more5 richest 20%nononononononononononoyesnoyesnononononononononononononono1 very possible1 savingsnonononoyesyesyesnononononono PakistanPAK2084380730.6648935232 female25completed tertiary or more5 richest 20%nononononononononononoyesnoyesnononononononononononononono1 very possible2 family, relatives, or friendsnononoyesyesnonononononono PakistanPAK1259376820.3338108042 female45secondary4 fourth 20%nonononononononononoyesnoyesyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1774078990.9798396211 male22completed tertiary or more4 fourth 20%nonononononononononoyesnonononononononononononononononono1 very possible2 family, relatives, or friendsnonononononononono PakistanPAK2076536680.555676181 male18secondary5 richest 20%nonononononononononoyesyesnononononononononononoyesnononono2 somewhat possible2 family, relatives, or friendsnononoyesyesnonononononoyes PakistanPAK1247196740.4159960161 male58completed primary or less4 fourth 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononononononoyesnononononono1 very possible1 savingsnonononononononoyes PakistanPAK1186186151.9596792421 male21secondary5 richest 20%nononononononononononoyesyesnonononoyesyesnonononononononono4 not at all possiblenononononononoyesno PakistanPAK2058764532.1288193841 male18completed primary or less4 fourth 20%yesnoyesnononononononoyesyesnononononononononononononononono2 somewhat possible2 family, relatives, or friendsyesyesnoyesnoyesyesnoyesnoyesyesnonoyesyesnonononononono PakistanPAK1147179840.3338108042 female45secondary1 poorest 20%nononononononononononoyesnoyesnonononononononoyesyesnonoyesno3 not very possible1 savingsnoyesyesnononononononononoyes PakistanPAK1472213240.5027564172 female27secondary5 richest 20%nononononononononononononoyesnonononononononoyesyesnononono2 somewhat possible2 family, relatives, or friendsnononononononoyesyes PakistanPAK1867143420.7265997912 female45completed primary or less5 richest 20%nonononononononononoyesnonoyesnonononononononoyesyesnononono2 somewhat possible2 family, relatives, or friendsnonononononononoyes PakistanPAK1312044810.7257431642 female17completed primary or less5 richest 20%nonononononononononoyesnonoyesnononononononononoyesnononono2 somewhat possible2 family, relatives, or friendsnonononononononoyes PakistanPAK1820301650.4245158892 female35secondary5 richest 20%nonononononononononoyesyesnoyesnonononononononoyesyesnononono1 very possible2 family, relatives, or friendsnononoyesyesnonononononoyes PakistanPAK1720216870.2483523461 male29completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononononononono3 not very possible2 family, relatives, or friendsnonononoyesnoyesnononononono PakistanPAK1149527680.3770838391 male41secondary2 second 20%nononononononononononononononononononononononoyesnonoyesno2 somewhat possible2 family, relatives, or friendsnonoyesyesnononononononoyes PakistanPAK1700862000.2483523461 male31secondary3 middle 20%nonononononoyesnononoyesnoyesyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnononononononoyes PakistanPAK1516924330.3314424411 male20secondary3 middle 20%nononononononononoyesyesnoyesnonononononononononononononono3 not very possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononononono PakistanPAK1217800250.2483523461 male35secondary2 second 20%nononononononononononononoyesnononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK2106679331.0719979932 female35completed primary or less3 middle 20%nononononononononononononoyesnononononononononoyesnonoyesno4 not at all possiblenonononononononoyes PakistanPAK2087068870.2483523462 female25completed primary or less5 richest 20%nonononononoyesnoyesnonononononononononononononononononono4 not at all possiblenononononononoyesno PakistanPAK1711940820.2483523462 female25secondary5 richest 20%nononononononononononononoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1882644990.6347864532 female25completed primary or less4 fourth 20%nononononoyesnoyesnonononononononononononononononononoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononononononoyes PakistanPAK1161768741.6127800282 female19completed primary or less4 fourth 20%nonononononononoyesnonononononononononononononononononono4 not at all possiblenonononononononono PakistanPAK2059011820.3171885871 male35secondary5 richest 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonoyesnononononononononononono2 somewhat possible1 savingsnonoyesyesnononononoyesyesnonoyesno PakistanPAK1187846282.7112936711 male17completed primary or less2 second 20%nononononononoyesnonoyesnonononononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1301259870.607581571 male35completed primary or less2 second 20%yesyesnonononononononoyesnononononononononoyesyesyesnonononono3 not very possible3 money from working or a loan from an employernonoyesyesnononoyesnoyesnonoyesnoyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from the government.nonoyes PakistanPAK1873199500.3756481251 male25secondary4 fourth 20%nononononononononononononoyesnoyesnonononononoyesnonononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnononononoyesyesnonoyesyes PakistanPAK1158431890.9561802561 male18secondary4 fourth 20%nononononononoyesnononononoyesnonononononoyesnoyesnonononono2 somewhat possible1 savingsnononoyesyesnonononononoyes PakistanPAK1515011351.8034478982 female35completed primary or less3 middle 20%nonononononononononoyesnoyesnononononononononoyesyesnonoyesno4 not at all possiblenoyesyesnononoyesyesnononononononoyes PakistanPAK1191795750.9812335612 female28secondary5 richest 20%nononononononoyesnonoyesnoyesnonononononononononoyesnoyesyesno4 not at all possiblenononoyesyesnonononononoyes PakistanPAK1800227250.7090551962 female45completed primary or less2 second 20%nononononononoyesnonoyesyesyesnonononononononononononononono4 not at all possiblenonononononononono PakistanPAK1913567832.8362207852 female50completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK2037370912.3081285622 female55completed primary or less4 fourth 20%nononononononoyesnonoyesnonoyesnononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1356251970.3171885871 male38secondary3 middle 20%nonononononononononoyesnonononoyesnoyesnoyesnononoyesnononoyes3 not very possible1 savingsyesyesnononoyesyesnononoyesyesnonoyesyesnonononoyesyesnonoyesyes PakistanPAK1676153032.8782482951 male25completed primary or less2 second 20%nonononononononononoyesnonoyesnonononononononoyesyesnononono4 not at all possibleyesyesnononoyesyesnononoyesyesnononoyesnoyesnonononoyesyes PakistanPAK1883820520.607581571 male40completed primary or less3 middle 20%nonononononononoyesnoyesnononononononononononoyesyesnononono4 not at all possiblenoyesyesnononoyesyesnononoyesnoyesnononononoyes PakistanPAK1185910911.0857975731 male45completed primary or less3 middle 20%nonononononononononoyesnonoyesnononononoyesnonoyesyesnononono4 not at all possiblenoyesyesnononoyesyesnononoyesnoyesnonononoyesyes PakistanPAK1952704410.7512962491 male25secondary4 fourth 20%yesyesyesyesyesyesnoyes2 three or more times per monthyes2 three or more times per month1 you get it at an atmyesyesyesyesyesyesnonononononononoyes1 very possible1 savingsyesyesyesyesyesyesyesyesyesyesyesyesyesyesyesyesnononononoyesyes PakistanPAK1196348531.4181103932 female45completed primary or less4 fourth 20%nononononononononononononoyesnononoyesnonononoyesyesnonoyesno3 not very possible1 savingsnoyesyesnonononoyesyesnononononoyesyes PakistanPAK1815470490.7090551962 female50completed primary or less5 richest 20%nononononononononononononoyesnonononononononoyesyesnonoyesno3 not very possible2 family, relatives, or friendsnoyesyesnononoyesyesnononononononoyes PakistanPAK1459356203.4890277392 female30completed primary or less2 second 20%nonononononononononoyesnonoyesnoyesnoyesnonoyesnoyesyesnoyesyesyes2 somewhat possible4 a credit card or borrowing from a formal financial institutionnoyesyesnonononoyesyesnononononoyesyes PakistanPAK1613609401.0679164532 female25completed primary or less5 richest 20%nononononononononononononoyesnoyesnonononononoyesyesnonoyesyes2 somewhat possible1 savingsnoyesyesnonononononononoyesyes PakistanPAK1188981250.9017239492 female40completed primary or less2 second 20%nonononononononononoyesnonoyesnoyesnonononononoyesyesnonoyesyes4 not at all possiblenoyesyesnonononononononoyesyes PakistanPAK1569189011.6238052391 male62secondary4 fourth 20%yesyesnononoyes3 money is not deposited in a typical monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononononononononononononono3 not very possible2 family, relatives, or friendsnonoyesyesnononoyesnonoyesno2 over time as needed3 this was your first account, and it was opened so you could receive payments from an employer.noyesyesnononono PakistanPAK1632642210.7776084771 male60completed primary or less4 fourth 20%nononononoyesnonononoyesnonononoyesnonononoyesnonononononono4 not at all possiblenonoyesyesnononononoyesyesnonoyesno PakistanPAK1448376341.3808370361 male35completed primary or less1 poorest 20%nononononoyesnonononoyesnonononoyesnonononoyesnonononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnononoyesnoyesnononoyesyesnonoyesno PakistanPAK1901515431.7672533851 male55completed primary or less5 richest 20%nononononoyesyesnononoyesnonononoyesnonononoyesnonononononono3 not very possible2 family, relatives, or friendsnonoyesyesnononoyesnoyesnononoyesyesnonoyesyes PakistanPAK1275006903.110433911 male60completed primary or less3 middle 20%nononononoyesnonononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnononononononoyesno PakistanPAK1431460601.7705481332 female22completed primary or less1 poorest 20%nonononononononononoyesnoyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1145398912.1271655892 female46completed primary or less3 middle 20%nonononononononononoyesnoyesnonononononononononoyesnoyesyesno4 not at all possiblenoyesyesnonononoyesyesnonononononoyes PakistanPAK1813397481.5610289522 female18completed tertiary or more3 middle 20%nononononononoyesnonoyesnonononononoyesnononononoyesnoyesnono4 not at all possiblenoyesyesnonononoyesyesnononononoyesyes PakistanPAK1487648961.1540642812 female55completed primary or less5 richest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1619104371.0813981622 female33completed tertiary or more4 fourth 20%nonononononononononoyesnoyesnonononononononononoyesnoyesnono3 not very possible2 family, relatives, or friendsnoyesyesnonononoyesyesnonoyesnoyesnononononoyes PakistanPAK1855716241.1269443741 male26secondary5 richest 20%nononononoyesnonononoyesnonononononononononononononononono4 not at all possiblenonononononoyesyesnononono PakistanPAK1555641171.3247820551 male33completed tertiary or more4 fourth 20%yesyesnoyesyesnonoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonononoyesyesnoyesnonononononono1 very possible1 savingsnoyesyesyesnonoyesyesnononoyesyesnoyesno2 over time as needed2 you had an account before, but this account was opened so you could receive payments from an employer.nonoyesno PakistanPAK1776196702.1586862211 male26completed primary or less3 middle 20%nononononoyesnonononoyesnonoyesnoyesnonononoyesnonononononono3 not very possible2 family, relatives, or friendsnonoyesyesnononoyesnoyesnononoyesyesnonoyesno PakistanPAK1188472793.4890277391 male60completed primary or less4 fourth 20%yesyesnononoyes3 money is not deposited in a typical monthyes3 money is not taken out in a typical month2 you get it over the counter in a branch of your financial institutionnonoyesnononononononononononono3 not very possible2 family, relatives, or friendsnonoyesyesnononoyesnoyesnononoyesyesnonoyesno PakistanPAK1256518551.0845174681 male18secondary4 fourth 20%nononononononoyesyesnoyesnonononononononononononoyesnononono4 not at all possiblenonoyesyesnononononoyesyesnononoyes PakistanPAK1808479720.6239822052 female50completed primary or less5 richest 20%nononononononononononoyesnononoyesyesyesyesnonononononononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnononononoyesno PakistanPAK1616188112.1271655892 female50completed primary or less3 middle 20%nonononononononononoyesnononononononononononoyesnonononono4 not at all possiblenononononoyesyesnonononoyes PakistanPAK1710906530.2483523462 female45secondary5 richest 20%nonononononononononoyesnononononononononononoyesnonononono2 somewhat possible2 family, relatives, or friendsyesnononononononononononoyes PakistanPAK1695291760.651501112 female45secondary5 richest 20%nononononononononononononoyesnononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1661760740.2483523462 female26completed primary or less5 richest 20%nononononononononononononoyesnononononononononoyesnononoyes1 very possible1 savingsyesyesnononoyesyesnonononononononoyesyes PakistanPAK2017230170.7512962491 male30completed primary or less3 middle 20%nonononononononononoyesnoyesnonoyesnonononononoyesnonononono4 not at all possiblenonoyesyesnononononoyesyesnonoyesyes PakistanPAK1295344191.6559775691 male25secondary3 middle 20%nononononononononoyesnoyesnonononononononononoyesnonononono1 very possible1 savingsnonoyesyesnononononoyesyesnononoyes PakistanPAK1674354241.3247820551 male26completed tertiary or more2 second 20%nonononononononononoyesnonononononononononononononononono3 not very possible2 family, relatives, or friendsnononoyesyesnonononononono PakistanPAK1848579420.477761371 male52completed primary or less3 middle 20%nonononononononononoyesnonononoyesnononononononononononono2 somewhat possible2 family, relatives, or friendsnonononoyesnoyesnononoyesyesnonoyesno PakistanPAK1633517873.4890277391 male32completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible1 savingsnonoyesyesnononononoyesyesnononono PakistanPAK1611801820.9017239492 female35completed primary or less2 second 20%nononononoyesnoyesnonoyesnoyesyesnoyesnononononononoyesnononono4 not at all possiblenononononononoyesyes PakistanPAK1418118641.0679164532 female32completed primary or less2 second 20%nononononononoyesnonoyesnononononononononononoyesyesnononono4 not at all possiblenononoyesnononononononoyes PakistanPAK1303645591.8034478982 female38completed primary or less1 poorest 20%nononononoyesnoyesnonoyesnononononononononononoyesyesnonoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononononononoyes PakistanPAK1692587471.062328882 female23completed primary or less3 middle 20%nononononononononononoyesyesyesnononoyesnononononononononono2 somewhat possible2 family, relatives, or friendsnononononononoyesno PakistanPAK1630933641.4181103932 female45completed primary or less1 poorest 20%nononononoyesnoyesnonoyesnoyesyesnonononononononoyesnonononono4 not at all possiblenonononononononoyes PakistanPAK1518791213.4890277391 male40completed primary or less3 middle 20%nonononononononoyesnoyesnonononononononoyesnonoyesyesnononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnoyesyesnononononoyesnoyesnonononoyesyes PakistanPAK1797338211.7672533851 male60completed primary or less5 richest 20%nonononononononoyesnoyesnonononoyesnononoyesnonoyesyesnononoyes2 somewhat possible2 family, relatives, or friendsyesyesnononoyesyesnononoyesyesnononononoyesyesnonoyesyes PakistanPAK1672450941.0857975731 male50completed primary or less3 middle 20%nononononoyesnonononoyesnononononononononononoyesyesnonoyesno4 not at all possibleyesyesnonoyesyesnonononononoyesnoyesnononononoyes PakistanPAK1370049020.2494158171 male45secondary5 richest 20%yesyesyesnonoyes3 money is not deposited in a typical monthyes3 money is not taken out in a typical month2 you get it over the counter in a branch of your financial institutionnonoyesnonoyesnononoyesnononoyesyes3 not very possible1 savingsnonoyesyesnononoyesnoyesnononoyesyesnonoyesyes PakistanPAK1429781731.0845174681 male18secondary5 richest 20%yesnoyesnonononononononoyesnoyesnoyesnononononononononononono1 very possible2 family, relatives, or friendsnonoyesyesnoyesyesyesnonononoyesyesnonoyesno PakistanPAK1176461350.9017239492 female35completed primary or less4 fourth 20%nonononononononononoyesnonoyesnoyesyesyesnononononoyesnononoyes4 not at all possiblenononoyesyesnononononoyesyes PakistanPAK1345453022.1271655892 female51completed primary or less4 fourth 20%yesnoyesnononononoyesnonononoyesnoyesnononononononoyesnononoyes4 not at all possiblenoyesnononoyesnononononoyesyes PakistanPAK1832869062.0349138512 female18completed primary or less1 poorest 20%yesnoyesnonononononononononoyesnononononononononoyesnonoyesno3 not very possible2 family, relatives, or friendsnoyesnononoyesyesyesnononononononoyes PakistanPAK1310014101.5415677232 female24completed primary or less2 second 20%nononononononononononononoyesnonononononononoyesyesnonoyesno3 not very possible2 family, relatives, or friendsnoyesyesnononoyesyesnononononononoyes PakistanPAK1186746153.0831354462 female19completed primary or less1 poorest 20%nononononononononononononoyesnononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1351561860.405951311 male60completed primary or less3 middle 20%nononononoyesnonononoyesnonoyesyesyesnononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnononononoyesyesnonoyesno PakistanPAK1219444490.6343771731 male43secondary3 middle 20%yesyesnononoyes3 money is not deposited in a typical monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnoyesyesnononoyesyesnonononononono2 somewhat possible2 family, relatives, or friendsyesyesyesnononoyesyesnononononoyesyesnonoyesno PakistanPAK1939490440.6343771731 male40secondary1 poorest 20%nonononononononononoyesnonononononononononononononononono3 not very possible2 family, relatives, or friendsnonononononoyesyesnononono PakistanPAK1189052591.9123605131 male17secondary3 middle 20%nonononononoyesnonoyesnonoyesnonononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1959784960.405951311 male64completed primary or less4 fourth 20%nononononoyesyesyesyesnonononononoyesnonononoyesyesyesnonononono2 somewhat possible1 savingsnonoyesyesnononononoyesyesnonoyesyes PakistanPAK1856420591.062328882 female17secondary1 poorest 20%nononononononoyesyesnoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1539722501.4164385062 female18secondary1 poorest 20%nonononononononononoyesnonoyesnononononononononoyesnonoyesno4 not at all possiblenoyesyesnononononononononoyes PakistanPAK1514835531.0679164532 female32completed primary or less4 fourth 20%nonononononononononoyesnonoyesnonononononononoyesyesnoyesyesno4 not at all possiblenoyesyesnonononoyesyesnonoyesnoyesnononononoyes PakistanPAK1539329910.7082192532 female17secondary3 middle 20%nononononononoyesnonoyesnoyesnonononoyesnononononoyesnoyesnono3 not very possible2 family, relatives, or friendsnoyesyesnonononononononoyesyes PakistanPAK1444467680.7082192532 female17secondary3 middle 20%nononononononoyesnonoyesnoyesyesnononononononononoyesnonoyesno4 not at all possiblenonononononononoyes PakistanPAK1811518190.948595911 male26completed primary or less1 poorest 20%nonononononoyesnononoyesyesnononoyesnononononononoyesnonoyesyes3 not very possible2 family, relatives, or friendsyesyesnononoyesyesnononoyesyesnononoyesnoyesnononoyesyesnonoyesyes PakistanPAK1748158670.8347826381 male31completed primary or less1 poorest 20%nononononononononononoyesnoyesnononononononononoyesnononoyes4 not at all possibleyesyesnononoyesyesnononoyesyesnononononoyesyesnononoyes PakistanPAK1831090982.5193238931 male45completed primary or less2 second 20%nononononoyesyesnoyesyesnononoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononoyesnoyesnononoyesyesnononono PakistanPAK1486741380.8347826381 male25completed primary or less2 second 20%nonononononoyesnononononoyesnonononononononononononononono4 not at all possiblenonononononononono PakistanPAK1857815063.0125811031 male23completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono4 not at all possibleyesyesnonononononononoyesyesnononono PakistanPAK1877335462.682619092 female20completed primary or less1 poorest 20%nonononononononononoyesnoyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1129963130.5230566792 female40completed primary or less5 richest 20%nononononoyesnonononoyesnoyesyesnononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1244988551.0461133572 female35completed primary or less2 second 20%nononononoyesnonononoyesnoyesyesnononononononononononononono3 not very possible1 savingsnonoyesyesnonoyesyesnonononononono PakistanPAK1657513601.8583763922 female25completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1248561252.477835192 female30completed primary or less2 second 20%nonononononononononoyesnoyesnonononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1345847520.3842285121 male30completed tertiary or more4 fourth 20%nonononononoyesnononoyesnonoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononoyesyesnononono PakistanPAK1925625141.3693251311 male24completed primary or less4 fourth 20%nononononoyesyesyesyesnoyesnoyesnonononononoyesnononoyesnonoyesno2 somewhat possible2 family, relatives, or friendsnonononononoyesyesnonoyesyes PakistanPAK1372114981.1773866271 male56completed primary or less2 second 20%nononononononononononononononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1210788810.2483523461 male28completed primary or less4 fourth 20%nononononononononononononononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1419566141.572721081 male20completed primary or less5 richest 20%nononononononononononononononononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1704813431.1803781872 female18completed primary or less3 middle 20%nonononononoyesnononoyesnonononononoyesnononononoyesnononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnononononononoyesyes PakistanPAK1354114003.4890277392 female18completed primary or less2 second 20%nononononoyesnoyesnoyesnonoyesnononononononononoyesyesnonoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononononononoyes PakistanPAK1642516350.2483523462 female32completed primary or less4 fourth 20%nononononoyesyesnonononononononononoyesnoyesnononononononono4 not at all possiblenonoyesyesnonoyesyesnononononoyesno PakistanPAK1886111021.6451866732 female50completed primary or less4 fourth 20%nonononononononononononoyesyesnononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK2097765680.2483523462 female52completed primary or less1 poorest 20%nonononononononononoyesnonoyesnononononononononoyesnonoyesno2 somewhat possible2 family, relatives, or friendsyesyesnononoyesyesnononoyesyesnonoyesyesnonononoyesyesnononoyes PakistanPAK1795417210.3524355741 male40completed primary or less2 second 20%nononononoyesyesyesnonoyesnoyesnonononononononononononononoyes4 not at all possiblenoyesyesnononoyesyesnonoyesyesnonoyesnoyesnononoyesyesnononoyes PakistanPAK1811792572.4029173271 male36completed primary or less1 poorest 20%nonononononoyesyesnonoyesnoyesnonononononononononoyesnonoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnoyesyesnononoyesyesnononononoyesyesnononoyes PakistanPAK1267696970.3145442161 male23secondary2 second 20%yesyesnonononoyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnononononoyesnonononoyesyesnoyesyes2 somewhat possible3 money from working or a loan from an employeryesyesnononoyesyesnononoyesyesnononoyesnoyesnononoyesyesnonoyesyes PakistanPAK1998897672.050236521 male60completed primary or less2 second 20%nononononoyesyesnononononononononononononononononoyesnonono4 not at all possiblenonononoyesnoyesnononononoyes PakistanPAK1574744200.8009724421 male35completed primary or less3 middle 20%nonononononoyesyesnonoyesnoyesnonononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1973305221.1803781872 female16completed primary or less4 fourth 20%nononononoyesnonoyesnoyesnonoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1393719410.6194587972 female27completed primary or less1 poorest 20%nononononononoyesyesnoyesnoyesnonononononononononoyesnononoyes2 somewhat possible2 family, relatives, or friendsnonoyesyesnonononononoyesyes PakistanPAK1203436120.8942063632 female17completed primary or less5 richest 20%nonononononoyesnonononononoyesnonononononononononononoyesno4 not at all possiblenoyesyesnononononononononoyes PakistanPAK1438111781.2389175952 female30completed primary or less3 middle 20%nononononoyesyesnononononoyesnonononononononononononononono4 not at all possiblenonononononononono PakistanPAK1561961972.0082898892 female70completed primary or less1 poorest 20%nononononoyesyesnononoyesnoyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1972065122.5193238931 male45completed primary or less4 fourth 20%nonononononoyesyesnonoyesnoyesnonononononononononoyesnononono4 not at all possiblenonoyesyesnononoyesnoyesnononononoyes PakistanPAK1327146450.8009724421 male35completed primary or less3 middle 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1487930510.2771316831 male45completed primary or less4 fourth 20%nonononononoyesyesnonoyesnoyesnonononononononononononononono4 not at all possiblenonoyesyesnononoyesnoyesnononononono PakistanPAK1931647460.2483523461 male42completed primary or less4 fourth 20%yesyesnononononoyesnonoyesnoyesnonononononononononoyesyesnonono3 not very possible5 (a/an [insert local terminology for private lenders (i.e., loan shark or pawn shop)])nonononoyesnoyesnonoyesnoyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from the government.nonoyes PakistanPAK1825123510.5763427671 male25secondary4 fourth 20%yesyesnonononoyesyesnonoyesnoyesnononononoyesnonononononononono2 somewhat possible1 savingsnonoyesyesnononoyesyesnoyesno2 over time as needed3 this was your first account, and it was opened so you could receive payments from an employer.nonoyesno PakistanPAK2000249713.4890277392 female16completed primary or less2 second 20%nononononoyesyesnoyesnoyesnoyesnonononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1835404443.4890277392 female16completed primary or less2 second 20%yesyesnononoyesyesyesnonoyesyesyesnonononononononononononononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnononononoyesnoyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from the government.nonono PakistanPAK1803447002.0922267152 female35completed primary or less1 poorest 20%nononononoyesnonononoyesnonoyesnononononononononononononono4 not at all possibleyesnononononononononononono PakistanPAK2039355180.6694299632 female60completed primary or less3 middle 20%yesyesnononoyesyesnononoyesnoyesnonononononononononononononono4 not at all possiblenononononoyesnoyesno2 over time as needed3 this was your first account, and it was opened so you could receive payments from the government.nonono PakistanPAK1747768340.6194587972 female25completed primary or less2 second 20%nononononoyesnonononoyesnonononononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1979900440.2483523461 male50completed primary or less2 second 20%nononononononononononononononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1544620780.2483523461 male48completed primary or less3 middle 20%nononononoyesyesnononoyesnoyesyesnononononononononononononono3 not very possible2 family, relatives, or friendsnonononononoyesyesnononono PakistanPAK1967399551.572721081 male20completed primary or less2 second 20%nononononoyesyesnononoyesnonoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1144213002.2553094441 male67completed primary or less1 poorest 20%nononononoyesyesnononoyesnoyesyesnononononononononoyesnononono2 somewhat possible2 family, relatives, or friendsnonononononoyesyesnononoyes PakistanPAK1260983380.6290884321 male20secondary2 second 20%nononononoyesyesnononoyesnoyesyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1432593300.6194587972 female30completed primary or less2 second 20%nonononononononoyesyesnononoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1915135771.2389175952 female30completed primary or less4 fourth 20%nonononononononononoyesyesnononononononononononoyesnononono2 somewhat possible2 family, relatives, or friendsnonononononononoyes PakistanPAK1609306780.2483523462 female20completed primary or less5 richest 20%nononononononononononononononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1453617062.682619092 female16completed primary or less1 poorest 20%nonononononoyesnonoyesnononononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1540987881.5691700362 female35completed primary or less1 poorest 20%nononononononononononononononononononononononononononono4 not at all possiblenoyesnonononononononoyesnononoyesno PakistanPAK1963067220.8009724421 male40completed primary or less1 poorest 20%nonononononoyesnonononoyesnononononononononononononononoyes4 not at all possibleyesyesnononoyesyesnononononoyesnoyesnonoyesyesnonoyesyesnononoyes PakistanPAK1237790080.948595911 male30completed primary or less2 second 20%yesyesnonononononononoyesnoyesyesnononononononononoyesnononoyes3 not very possible6 some other sourcenonononoyesnoyesnonoyesnoyesno1 all of the money right away1 you had this account before you began receiving payments from the government.yesyesnononoyes PakistanPAK1565715471.3693251311 male23completed primary or less2 second 20%yesyesnonononoyesyesnononononononononononononononononononoyes4 not at all possibleyesyesnononoyesyesnononononoyesnoyesnonoyesyesyesno1 all of the money right away1 you had this account before you began receiving payments from the government.nonoyes PakistanPAK1936774160.4173913191 male30completed primary or less1 poorest 20%yesyesnonononononoyesnonoyesyesnonononononononononoyesnonoyesyes4 not at all possiblenoyesyesnononononoyesnoyesnonoyesnoyesno2 over time as needed1 you had this account before you began receiving payments from the government.yesyesnononoyes PakistanPAK1942312810.6298309731 male46completed primary or less3 middle 20%yesyesnonononononononoyesnonononononononononononoyesnonoyesyes4 not at all possibleyesyesnononoyesyesnononononoyesnoyesnonoyesnoyesno1 all of the money right away1 you had this account before you began receiving payments from the government.yesyesnononoyes PakistanPAK2093870930.6194587972 female25completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible3 money from working or a loan from an employernonononoyesnoyesnononononono PakistanPAK1490004200.5230566792 female40completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono3 not very possible4 a credit card or borrowing from a formal financial institutionnonononononononono PakistanPAK1229847550.6194587972 female34completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononoyesnoyesnononononoyes PakistanPAK1763172660.8942063632 female20completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononoyesnoyesnononononono PakistanPAK1622215330.5230566792 female35completed primary or less3 middle 20%nonononononononononoyesnonononononononononononononononono3 not very possible1 savingsnoyesyesnononononoyesyesyesnononoyesyesnononono PakistanPAK1467331580.919946781 male43secondary3 middle 20%yesyesnoyesyesnonoyes1 one or two times per monthyes2 three or more times per month2 you get it over the counter in a branch of your financial institutionnonoyesnonoyesnonononoyesyesnoyesyes2 somewhat possible2 family, relatives, or friendsyesyesnononoyesyesnononoyesyesnonoyesyesnonononoyesyesnonoyesyes PakistanPAK1867080781.6019448851 male35completed primary or less1 poorest 20%nononononoyesyesnonononononononoyesnononononononoyesyesnoyesyes4 not at all possibleyesyesnononoyesyesnononononoyesnoyesnonoyesyesnonoyesyesnonoyesyes PakistanPAK1203137721.7621778711 male35completed primary or less3 middle 20%yesyesnononoyes2 three or more times per monthno2 you get it over the counter in a branch of your financial institutionnononononononononononoyesnoyesno3 not very possible2 family, relatives, or friendsyesyesnononoyesyesnonononoyesyesnonononoyesyesnononoyes PakistanPAK1254540151.3856584131 male50completed primary or less1 poorest 20%nononononononoyesnonononononononononononononononoyesnoyesyes2 somewhat possible4 a credit card or borrowing from a formal financial institutionyesyesnononoyesyesnononononoyesnoyesnonoyesyesnonoyesyesnononoyes PakistanPAK1782777281.4097422971 male35completed primary or less1 poorest 20%nonononononoyesnononoyesnoyesnonononononononononoyesyesnoyesyes3 not very possible5 (a/an [insert local terminology for private lenders (i.e., loan shark or pawn shop)])noyesyesnononononoyesnoyesnonoyesyesnonoyesyesnononoyes PakistanPAK1356260890.5230566792 female40completed primary or less2 second 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenonoyesyesnonoyesyesnonononononono PakistanPAK1736919130.2725678262 female34completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonoyesyesnonoyesyesnonononononono PakistanPAK1928513081.6451866732 female50completed primary or less2 second 20%nonononononononononoyesnonoyesnononononononononononononono2 somewhat possible1 savingsnoyesyesnononoyesyesnonoyesyesnonononoyesyesnononono PakistanPAK1210073730.6194587972 female28completed primary or less2 second 20%nonononononononononoyesnoyesnonononononononononononononono4 not at all possiblenonoyesyesnonoyesyesnonononononono PakistanPAK1898550460.8225933372 female45completed primary or less4 fourth 20%nonononononononononoyesyesnononononononononononononononono3 not very possible1 savingsnonoyesyesnononononononono PakistanPAK1409423410.4173913191 male30completed primary or less4 fourth 20%yesyesnonononoyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononoyesyesnonononononononono1 very possible1 savingsnononoyesyesnonononoyesyesnonoyesno PakistanPAK1862878340.2483523461 male25secondary4 fourth 20%nonononononononononoyesnonoyesnononononononononoyesnonoyesno3 not very possible1 savingsnoyesyesnononononoyesnoyesnononononoyes PakistanPAK1509257320.831967151 male23secondary5 richest 20%nonononononononononoyesyesnoyesnononononononononononononono2 somewhat possible1 savingsnoyesyesnononononoyesnoyesnononononoyes PakistanPAK1623077762.4100648821 male16completed primary or less5 richest 20%nonononononononononoyesnonoyesnononononononononoyesnonoyesno2 somewhat possible1 savingsnoyesyesnononononoyesnoyesnononononoyes PakistanPAK1925274071.2050324411 male17completed primary or less4 fourth 20%nononononononoyesnonoyesnonononononononononononononononono3 not very possible1 savingsnonononoyesnoyesnononoyesyesnononono PakistanPAK1247346891.0461133572 female40completed primary or less3 middle 20%nonononononoyesnonononononononononononononononoyesnonoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnononononononoyesyes PakistanPAK1409175610.5230566792 female35completed primary or less2 second 20%nononononononononononononononononononononononoyesnonoyesno4 not at all possiblenonononononononoyes PakistanPAK1979638991.0461133572 female35completed primary or less2 second 20%nonononono(dk)nononoyesnononononononononononononoyesnonoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonoyesyesnononononononoyes PakistanPAK1894141270.284588632 female25completed primary or less1 poorest 20%nonononononoyesyesyesyesyesnonononononononononononoyesnononono4 not at all possiblenonononononononoyes PakistanPAK1244522580.6194587972 female30completed primary or less3 middle 20%nononononononoyesnoyes(dk)(dk)(dk)(dk)nononononononononoyesnononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnoyesyesnononononononononoyes PakistanPAK2027717251.1085267311 male50completed primary or less3 middle 20%nononononoyesnonononoyesnonoyesnononononononononoyesnononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnononoyesnoyesnononononoyes PakistanPAK1471641651.6019448851 male36completed primary or less1 poorest 20%yesyesnononononoyesnonoyesnonononononononononononononononono2 somewhat possible3 money from working or a loan from an employernonoyesyesnononoyesnoyesnonoyesnoyesno2 over time as needed3 this was your first account, and it was opened so you could receive payments from the government.nonono PakistanPAK1669383580.2483523461 male25completed primary or less5 richest 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononononononononoyesnononono4 not at all possiblenoyesyesnonoyesyesyesnononoyesnoyesnonoyesnoyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from the government.nonoyes PakistanPAK1867176141.3856584131 male49completed primary or less3 middle 20%nononononononoyesnonoyesnonoyesnononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1889009120.2483523461 male35secondary1 poorest 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononononononononononononono2 somewhat possible3 money from working or a loan from an employernonononoyesnoyesnonoyesnoyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from the government.noyesno PakistanPAK1733143021.0461133572 female36completed primary or less1 poorest 20%yesyesnononoyesnonononoyesnonononononononononononononononono4 not at all possiblenonononoyesnoyesnonoyesnoyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from the government.nonono PakistanPAK1588163530.8177034772 female28completed primary or less2 second 20%nonononononoyesnononoyesyesnoyesnononononononononononononono3 not very possible1 savingsnonononononononono PakistanPAK2103713252.682619092 female16completed primary or less1 poorest 20%nonononono(dk)yesyesyesnonononononononononoyesnononononononono4 not at all possiblenonononoyesnoyesnonononoyesno PakistanPAK2094005301.7884127272 female16completed primary or less1 poorest 20%nononononononoyesnonoyesnonoyesnononononononononoyesnononoyes4 not at all possiblenoyesyesnononononononononoyes PakistanPAK1193126182.477835192 female30completed primary or less2 second 20%nononononoyesnonoyesnononoyesnonononononononononononononono3 not very possible3 money from working or a loan from an employernonononoyesnoyesnononononono PakistanPAK1137464900.2483523461 male27secondary4 fourth 20%nonononononononononoyesnonoyesnononononononononononononono2 somewhat possible1 savingsnoyesyesnononononoyesnoyesnononoyesyesnononono PakistanPAK2045148471.6695652761 male28completed primary or less4 fourth 20%nononononononononononononoyesnonononononononononononoyesno2 somewhat possible1 savingsnoyesyesnononononoyesnoyesnononononoyes PakistanPAK1857175890.4357991391 male30completed primary or less4 fourth 20%nonononononononononoyesnonoyesnonononononononononononoyesno2 somewhat possible2 family, relatives, or friendsnonononoyesnoyesnononononoyes PakistanPAK1331782341.2521739571 male25completed primary or less4 fourth 20%nonononononononononoyesnonoyesnoyesnononoyesnonononoyesnonoyes2 somewhat possible1 savingsnonononoyesnoyesnononoyesyesnonoyesyes PakistanPAK1534869620.2483523461 male42secondary4 fourth 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononononononononononononono1 very possible1 savingsyesnonoyesnoyesnonoyesnononoyesyesyesnononoyesyesnononono PakistanPAK1636279380.4112966682 female45completed primary or less2 second 20%nononononononononononononononononononononononononononono3 not very possible1 savingsnonononononononono PakistanPAK1260461540.6194587972 female30completed primary or less4 fourth 20%nononononoyesyesnonononononononononoyesnoyesnononoyesnonoyesno2 somewhat possible2 family, relatives, or friendsnononononononoyesyes PakistanPAK1146635361.2389175952 female32completed primary or less4 fourth 20%nononononononononononononononononononoyesnononononononono3 not very possible6 some other sourcenononononononoyesno PakistanPAK1595832261.8583763922 female25completed primary or less2 second 20%nononononononononononononoyesnononoyesnoyesnononononononono4 not at all possiblenononononononoyesno PakistanPAK1924532700.6194587972 female33completed primary or less2 second 20%nonononononoyesyesnononononononononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK2002816090.2483523461 male30completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono3 not very possible2 family, relatives, or friendsnononoyesyesnonononononono PakistanPAK1357296950.2483523461 male40secondary2 second 20%yesyesnonononono5 (do not need to get cash)nonononononononononoyesnononono3 not very possible1 savingsnonononononoyesyesnononoyes PakistanPAK1924274040.2483523461 male50secondary1 poorest 20%nonononononononononoyesnonoyesnononononononononononononono3 not very possible3 money from working or a loan from an employernonononononononono PakistanPAK1222696160.2483523461 male41secondary2 second 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononononononononononononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononoyesnonoyesno2 over time as needed3 this was your first account, and it was opened so you could receive payments from an employer.yesnoyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from the government.nonono PakistanPAK1747459330.3145442161 male23completed primary or less5 richest 20%nononononononononoyesnononononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1193397540.8942063632 female17completed primary or less4 fourth 20%nononononoyesnonononoyesnoyesyesnonononononononononononoyesno4 not at all possiblenoyesyesnononononononononoyes PakistanPAK1477954020.7869187912 female22completed primary or less3 middle 20%nononononoyesnononoyesyesnoyesnonononononononononononononono3 not very possible1 savingsnononononononoyesno PakistanPAK1975398842.6777198522 female60completed primary or less1 poorest 20%nononononoyesyesnoyesnoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1857264790.4108117692 female19completed primary or less4 fourth 20%nonononononononononoyesnonononoyesnononononononoyesnonoyesno3 not very possible3 money from working or a loan from an employernonononoyesnoyesnonononoyesyes PakistanPAK1275228181.2338900052 female50completed primary or less5 richest 20%yesyesnoyesyesnonoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonononononononononononononono2 somewhat possible2 family, relatives, or friendsnononononoyesnoyesno2 over time as needed2 you had an account before, but this account was opened so you could receive payments from the government.noyesno PakistanPAK1851593231.2596619471 male53completed primary or less4 fourth 20%yesyesnonononononononoyesnonoyesnonononononononononononoyesno3 not very possible2 family, relatives, or friendsnonononoyesnoyesnonoyesnoyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from the government.nonoyes PakistanPAK1451224600.831967151 male20completed tertiary or more4 fourth 20%nonononononononononoyesnonoyesnononononononononononononono3 not very possible2 family, relatives, or friendsnoyesyesnononononononononono PakistanPAK1716238110.7684570231 male30secondary3 middle 20%yesyesnonononono2 you get it over the counter in a branch of your financial institutionnononononononononononononoyesno2 somewhat possible2 family, relatives, or friendsnoyesyesnononononoyesnoyesnononononoyes PakistanPAK1942952640.4173913191 male27completed primary or less4 fourth 20%nonononononononononoyesnonoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1914717533.4890277391 male64completed primary or less3 middle 20%nonononononononononoyesnonoyesnononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1225257270.7238979512 female45completed primary or less3 middle 20%nononononoyesyesnonononoyesnononononoyesnononononononononono2 somewhat possible2 family, relatives, or friendsnononononononoyesno PakistanPAK1952848930.5230566792 female40completed primary or less4 fourth 20%nononononoyesnononononononononononoyesnononononoyesnononono2 somewhat possible2 family, relatives, or friendsnononononononoyesyes PakistanPAK1311890710.6162176532 female19completed primary or less2 second 20%nononononoyesyesnonoyesnononononononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1795883760.7869187912 female22completed primary or less4 fourth 20%nonononononoyesnonononononononononononononononononononono2 somewhat possible2 family, relatives, or friendsnoyesyesnononononononononono PakistanPAK1934107111.3388599262 female55completed primary or less2 second 20%nononononoyesyesnonononononononononononoyesnononoyesnonoyesno2 somewhat possible2 family, relatives, or friendsnononononononoyesyes PakistanPAK1301130270.8009724421 male42completed primary or less5 richest 20%nononononononononononononoyesnoyesyesyesyesyesnonoyesyesnoyesnoyes2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononoyesnoyesnono(dk)yesyesnonoyesyes PakistanPAK1495343620.3679787121 male42completed primary or less4 fourth 20%nononononononononononononoyesnononononoyesyesnonoyesyesnonono4 not at all possiblenonoyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1940100510.948595911 male30completed primary or less5 richest 20%nonononononononononoyesnonoyesnoyesyesyesnononononononononono4 not at all possiblenonononoyesnoyesnonononoyesno PakistanPAK1513209821.2596619471 male48completed primary or less5 richest 20%nononononoyesnonononoyesyesnoyesnoyesyesyesyesyesnonoyesyesnoyesyesyes4 not at all possiblenoyesyesnononoyesyesnononoyesnoyesnonononoyesyes PakistanPAK1609867622.5193238931 male48completed primary or less2 second 20%nononononoyesnoyesnonoyesyesnoyesnoyesyesyesnonononoyesnonononono4 not at all possiblenonononoyesnoyesnonononoyesyes PakistanPAK1127072500.6162176532 female16completed primary or less4 fourth 20%nononononononononononononoyesnononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1570783421.0270294222 female24completed primary or less4 fourth 20%nononononononononononononoyesnononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1748547030.2483523462 female40completed primary or less5 richest 20%nononononononononononononoyesnononononononononononononono1 very possible1 savingsnonononononononono PakistanPAK1229015930.4108117692 female16completed primary or less4 fourth 20%nononononononononononononoyesnononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1905301971.5691700362 female40completed primary or less4 fourth 20%nonononononononononoyesnononononononononononoyesyesnononono2 somewhat possible3 money from working or a loan from an employernoyesyesnononononononononoyes PakistanPAK1522338520.2483523461 male35completed primary or less4 fourth 20%nonononono(dk)nonononoyesnonononononononononononoyesyesnoyesno4 not at all possiblenonoyesyesnonoyesyesnonononononoyes PakistanPAK1578167200.2483523461 male40completed tertiary or more1 poorest 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1502104330.2483523461 male25secondary5 richest 20%nononononoyesnoyesnonoyesnoyesnonononononononononoyesnonoyesyes4 not at all possiblenoyesyesnononoyesnononoyesnononoyesnoyesnonoyesnononononoyes PakistanPAK1631222560.2483523461 male50secondary5 richest 20%nononononoyesyesnononoyesyesnoyesnononononononononononononono4 not at all possiblenonononoyesnononononononono PakistanPAK1588929810.3165655831 male50completed primary or less4 fourth 20%nononononoyesnononoyesyesyesnonononononononononoyesnonononono4 not at all possiblenonononoyesnoyesnononononoyes PakistanPAK2001405150.2628986972 female40completed primary or less1 poorest 20%nononononoyesnononononononoyesnononononononononononononono4 not at all possiblenoyesnonononononononononono PakistanPAK1514800150.2483523462 female22completed primary or less3 middle 20%nonononononononononoyesnonononononononononononoyesnonoyesyes4 not at all possiblenoyesyesnononononononononoyes PakistanPAK1493449990.2483523462 female30secondary1 poorest 20%nononononononononononononoyesnononononononononononononono3 not very possible1 savingsnonononono(dk)nonono PakistanPAK1545384650.2628986972 female35completed primary or less2 second 20%nononononononononononononononononononononoyesnonoyesyesyesno4 not at all possiblenoyesnoyesnonononononononoyes PakistanPAK1182768810.5257973942 female40completed primary or less1 poorest 20%nononononononononononononononononononononononoyesnononono4 not at all possiblenoyesyesnononononononononoyes PakistanPAK1386729170.2494158171 male50secondary4 fourth 20%nonononononoyesnononoyesnonononononononononononoyesnononoyes2 somewhat possible3 money from working or a loan from an employernonoyesyesnonoyesyesnonononoyesyesnononoyes PakistanPAK1588802022.1715951471 male50completed primary or less3 middle 20%nonononononoyesnononoyesnonoyesnononononononononoyesnonoyesno4 not at all possiblenonoyesyesnononoyesnoyesnononononoyes PakistanPAK2095667790.2494158171 male45secondary5 richest 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnononoyesyesyesnoyesnonononononono1 very possible1 savingsnonoyesyesnonoyesyesnonoyesyesnoyesno2 over time as needed2 you had an account before, but this account was opened so you could receive payments from an employer.nonoyesno PakistanPAK1807700560.3756481251 male30completed primary or less4 fourth 20%nonononononoyesnononoyesnoyesnonononononononononoyesnononoyes4 not at all possiblenonoyesyesnonoyesyesnonononononoyes PakistanPAK1698281731.3808370361 male35completed primary or less3 middle 20%nononononononoyesnoyesyesnoyesnonononononononononoyesnonoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonoyesyesnonoyesyesnonoyesnoyesnononononoyes PakistanPAK1399759140.7090551962 female50completed primary or less3 middle 20%nononononoyesyesnononoyesnoyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1619326991.0679164532 female30completed primary or less5 richest 20%nononononoyesyesyesnonoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1442480441.0679164532 female30completed primary or less1 poorest 20%nononononoyesyesyesnonoyesnonononononononononononononononono4 not at all possiblenonononoyesnoyesnononononono PakistanPAK1202878703.0831354462 female18completed primary or less1 poorest 20%nononononoyesyesyesnonoyesnoyesnonononononononononononononono4 not at all possiblenononoyesyesnonononononono PakistanPAK1989170971.8034478982 female40completed primary or less3 middle 20%nononononoyesyesyesnonoyesnoyesnonononononononononononononono4 not at all possiblenonononononononono PakistanPAK1275193930.7482474511 male45completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnonononoyesyesnononono PakistanPAK1736121750.3171885871 male40secondary1 poorest 20%nonononononononononoyesnonononononononononononononononono3 not very possible1 savingsnonoyesyesnonoyesyesnonononoyesyesnononono PakistanPAK1724394771.7672533851 male70completed primary or less1 poorest 20%nonononononononononoyesnononononoyesnonononononononononono4 not at all possiblenonoyesyesnononononoyesyesnonoyesno PakistanPAK2080160890.3756481251 male32completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononononononono3 not very possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononoyesyesnononono PakistanPAK1340384861.3808370361 male40completed primary or less3 middle 20%nonononononononononoyesnonononononononononononononononono3 not very possible1 savingsnonoyesyesnonoyesyesnonononoyesyesnononono PakistanPAK1470103761.5415677232 female22completed primary or less5 richest 20%nononononoyes(dk)nononononoyes(dk)nonononononononoyesnonononono2 somewhat possible3 money from working or a loan from an employernonononononononoyes PakistanPAK1544031432.1271655892 female46completed primary or less4 fourth 20%nononononoyesyesyesyesnoyesnoyesnononononononononoyesyesnononono2 somewhat possible3 money from working or a loan from an employernonononononononoyes PakistanPAK1657130340.7090551962 female50completed primary or less3 middle 20%nononononoyesyesyesnonoyesnoyesnonononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1974466431.0679164532 female30completed primary or less3 middle 20%nonononono(dk)(dk)yesnonoyesnono(dk)nonononononoyesnonononononono3 not very possible3 money from working or a loan from an employernonononoyesnoyesnononononoyes PakistanPAK1165349050.7090551962 female45completed primary or less5 richest 20%nononononoyesyesyesnonoyesnoyesnonononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1807210391.7672533851 male64completed primary or less5 richest 20%nononononononononononononoyesnononononononononononononono1 very possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononononono PakistanPAK2084703431.6267762031 male17completed primary or less4 fourth 20%nononononononononononononononononononononononononononono1 very possible2 family, relatives, or friendsnonononononononono PakistanPAK1674031991.0857975731 male45completed primary or less1 poorest 20%nononononononononononononononononononononononoyesnononono3 not very possible6 some other sourcenonoyesyesnononononononoyes PakistanPAK2058509891.3808370361 male37completed primary or less2 second 20%nononononononononononononoyesnonononononoyesnonoyesnononono4 not at all possiblenonoyesyesnononoyesnoyesnononononoyes PakistanPAK2083232571.1269443741 male33secondary3 middle 20%nononononononononononononoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsyesyesnonononoyesyesnononononononono PakistanPAK1778218561.5415677232 female24completed primary or less5 richest 20%nononononoyesnonoyesnonononononononononononononononoyesyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononononononoyes PakistanPAK1340661542.1358329062 female32completed primary or less1 poorest 20%nononononoyesnononoyesnononoyesnononononononononononoyesyesno4 not at all possiblenonononononononoyes PakistanPAK2022861470.2483523462 female25completed primary or less1 poorest 20%nononononoyesnononoyesnononononononoyesnononononoyesnoyesyesno4 not at all possiblenononononononoyesyes PakistanPAK1692943523.0831354462 female16completed primary or less4 fourth 20%nononononoyesnononononoyesnononononononononononoyesnoyesyesno4 not at all possiblenonononononononoyes PakistanPAK1383892310.9017239492 female35completed primary or less3 middle 20%nononononoyesyesyesnonononononononononononononoyesyesnononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionyesyesnononoyesyesnononononononononoyes PakistanPAK1170992290.3171885871 male40completed primary or less5 richest 20%nonononononononononoyesnonononoyesnoyesnononononononononono3 not very possible1 savingsnonoyesyesnonoyesyesnonononoyesyesnonoyesno PakistanPAK1532778121.3808370361 male40completed primary or less4 fourth 20%nonononononononononoyesnonononoyesnoyesnoyesnonoyesnonononono3 not very possible1 savingsnonoyesyesnonoyesyesnonononoyesyesnonoyesyes PakistanPAK2033181950.2494158171 male50completed primary or less5 richest 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonoyesyesnoyesnonononononononono3 not very possible2 family, relatives, or friendsnonoyesyesnononononoyesyesnonoyesno PakistanPAK1770629890.3756481251 male28completed primary or less5 richest 20%nonononononononononoyesnonoyesnoyesnononononononononononono2 somewhat possible1 savingsnonoyesyesnononononoyesyesnonoyesno PakistanPAK1605135251.0845174681 male16secondary1 poorest 20%nonononononononononoyesnonoyesnoyesnononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononoyesyesnonoyesno PakistanPAK1377261160.9017239492 female40completed primary or less2 second 20%nononononoyesnonoyesnonononononononononononononononononono4 not at all possiblenoyesnonoyesnononononononono PakistanPAK2061432470.2483523462 female35completed primary or less1 poorest 20%nononononoyesnonononoyesnonononononoyesyesnonononoyesnoyesyesno4 not at all possiblenoyesyesnononoyesyesnonoyesyesnonoyesnoyesnonoyesyesnononoyesyes PakistanPAK1945942890.2483523462 female30completed primary or less5 richest 20%nononononoyesnononoyesyesnonoyesnononoyesnononononononoyesnono2 somewhat possible2 family, relatives, or friendsnoyesyesnononoyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK2065312223.0831354462 female18completed primary or less1 poorest 20%nononononoyesnonoyesyesnonoyesyesnononoyesnononononoyesnoyesyesno4 not at all possiblenonoyesyesnonoyesyesnonoyesyesyesnonononoyesyes PakistanPAK1854416141.0679164532 female30completed primary or less1 poorest 20%nononononononoyesnonoyesnonoyesnononoyesnononononononononono4 not at all possiblenoyesyesnonononoyesyesnonoyesnoyesnonononoyesno PakistanPAK1389091771.0857975731 male45completed primary or less4 fourth 20%nonononononoyesnoyesnonononononononoyesnononononoyesnonoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonoyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1944063060.607581571 male38completed primary or less5 richest 20%nonononononoyesnoyesnonoyesyesnonoyesnonononoyesnonononononono2 somewhat possible6 some other sourceyesyesnonononoyesyesnononononoyesyesnonoyesyes PakistanPAK1169619520.3261585311 male35completed tertiary or more5 richest 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnononoyesyesyesnoyesnonononononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnonoyesyesnoyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from an employer.yesnoyesno2 over time as needed2 you had an account before, but this account was opened so you could receive payments from the government.yesyesnonoyesno PakistanPAK1196364403.4890277391 male42completed primary or less3 middle 20%nonononononoyesyesnonoyesyesnononononononononononoyesnononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonoyesyesnonoyesyesnonoyesnoyesnononononoyes PakistanPAK1441681013.4890277391 male62completed primary or less3 middle 20%nonononononoyesnononoyesnoyesnonononononononononononononono4 not at all possiblenonoyesyesnonoyesyesnonononoyesyesnononono PakistanPAK1369366000.4698935052 female25completed primary or less4 fourth 20%nononononoyesyesyesyesnoyesyesyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1667209970.7082192532 female16completed primary or less1 poorest 20%nononononoyesyesyesnonoyesyesyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1724587442.0349138512 female18completed primary or less1 poorest 20%nononononoyesyesyesyesnoyesyesyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1460617500.3967672062 female40completed primary or less2 second 20%nononononoyesyesyesyesnoyesnoyesyesnononononononononononononono4 not at all possiblenononoyesyesnonononononono PakistanPAK1455331822.7051718472 female40completed primary or less5 richest 20%nononononoyesyesyesyesnoyesnoyesnonononononononononononononono4 not at all possiblenononoyesyesnonononononono PakistanPAK1830257851.3808370361 male40completed primary or less2 second 20%nonononononononononoyesnonononoyesnononononononononononoyes3 not very possible2 family, relatives, or friendsnonoyesyesnononononoyesyesnonoyesyes PakistanPAK1346610960.6343771731 male43completed primary or less2 second 20%nonononononoyesyesnonoyesnonononononononononononoyesnononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononoyesyesnononoyes PakistanPAK1409255001.7672533851 male60completed primary or less5 richest 20%nonononononononononoyesnonononononononononononononononono3 not very possible2 family, relatives, or friendsnonononononoyesyesnononono PakistanPAK1186905840.7512962491 male30completed primary or less4 fourth 20%nonononononononoyesnoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononoyesyesnononono PakistanPAK1516937220.5422587341 male18secondary5 richest 20%nononononononononononoyesnononononononononononononononono1 very possible2 family, relatives, or friendsnonoyesyesnononononoyesyesnonoyesno PakistanPAK2104326250.3541096272 female24completed primary or less4 fourth 20%nonononononononononoyesnoyesyesnonononoyesnonononononononono1 very possible1 savingsnonoyesyesnonoyesyesnononononoyesno PakistanPAK2036875821.1540642812 female65completed primary or less5 richest 20%nononononoyesnonononoyesnoyesyesnononoyesnononononononononono1 very possible1 savingsnononononononoyesno PakistanPAK1350315460.2483523462 female35completed primary or less5 richest 20%nononononoyesnonononoyesnoyesyesnononoyesnonononononoyesnonono1 very possible1 savingsnononononononoyesyes PakistanPAK1341855510.3119911022 female45completed primary or less5 richest 20%nonononononononononoyesnoyesyesnononoyesnononononononononono1 very possible1 savingsnononoyesyesnononononoyesno PakistanPAK2072271061.8034478982 female35completed primary or less5 richest 20%nonononononononononoyesnoyesyesnonononononononononoyesnonono2 somewhat possible1 savingsnonononononononoyes PakistanPAK1836543010.477761371 male45completed primary or less3 middle 20%nonononononoyesnononoyesnoyesnononononononononoyesnonononono4 not at all possiblenonoyesyesnononoyesnoyesnononoyesyesnononoyes PakistanPAK1759593781.5552169551 male70completed primary or less1 poorest 20%nononononononononoyesyesnoyesnononononononononoyesnonononono2 somewhat possible3 money from working or a loan from an employernoyesyesnononoyesyesnononoyesnoyesnononoyesyesnononoyes PakistanPAK1325127371.0845174681 male20completed primary or less5 richest 20%nononononononoyesnonoyesyesyesyesnonononononononoyesnonononono2 somewhat possible1 savingsnonoyesyesnononononoyesyesnononoyes PakistanPAK1680952330.3261585311 male42completed tertiary or more3 middle 20%nonononononononononoyesnoyesnononononononononoyesnonononono1 very possible1 savingsnoyesyesnononoyesyesnononoyesyesnononononoyesyes PakistanPAK1317235352.077416571 male18completed primary or less2 second 20%nononononononoyesnonoyesnoyesnononononononononoyesnonononono4 not at all possiblenonoyesyesnononoyesnoyesnononononoyes PakistanPAK1850161440.4698935052 female30completed primary or less5 richest 20%nononononoyesnonononoyesyesyesyesnononononononononoyesnononono2 somewhat possible1 savingsnononoyesyesnononononoyesyes PakistanPAK1522420481.5610289522 female21secondary3 middle 20%nononononoyesnonononoyesyesyesyesnononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1553330741.0679164532 female27completed primary or less4 fourth 20%nononononoyesnononononoyesyesyesnononononononononoyesnoyesnono1 very possible1 savingsnononoyesyesnononononoyesyes PakistanPAK1712056830.7082192532 female16completed primary or less3 middle 20%nonononononononononoyesyesyesyesnononononononononononononono2 somewhat possible1 savingsnononoyesyesnonononononono PakistanPAK2008834460.414265462 female35completed primary or less2 second 20%nononononoyesnonononoyesyesyesyesnononononononononononononono2 somewhat possible1 savingsnononononononoyesno PakistanPAK1220914323.2706652441 male25completed primary or less2 second 20%yesnoyesnonoyesyesnononoyesnoyesnoyesyesnonononononoyesyesnonoyesyes3 not very possible2 family, relatives, or friendsyesyesnononoyesyesnononoyesyesnonoyesyesnonononoyesyesnonoyesyes PakistanPAK1899824791.4342703841 male24completed tertiary or more2 second 20%yesyesnoyesyesnonoyes1 one or two times per monthyes2 three or more times per month1 you get it at an atmnoyesyesnonononononoyesyesnonoyesyes2 somewhat possible1 savingsyesyesnononoyesyesnononoyesyesnononononoyesyesnonoyesyes PakistanPAK1580967561.0857975731 male50completed primary or less3 middle 20%yesnoyesnonoyesyesnononoyesnononoyesnononononononoyesyesnonoyesyes2 somewhat possible4 a credit card or borrowing from a formal financial institutionyesyesnononoyesyesnononoyesyesnononononoyesyesnononoyes PakistanPAK1237500790.4988316341 male50completed primary or less5 richest 20%nononononoyesnononononoyesnononoyesnonoyesnononoyesyesnononono1 very possible2 family, relatives, or friendsyesyesyesnonoyesyesyesnonoyesyesnononononoyesyesnonoyesyes PakistanPAK1878519511.6353326221 male30completed primary or less2 second 20%yesnoyesnononoyesnononononononoyesnonononoyesnonoyesyesnonoyesyes2 somewhat possible4 a credit card or borrowing from a formal financial institutionyesyesnononoyesyesnononoyesyesnononononoyesyesnonoyesyes PakistanPAK1769022131.0679164532 female30completed primary or less2 second 20%nononononoyesnonononoyesnonoyesnononononononononoyesnonoyesno2 somewhat possible1 savingsyesyesnononononoyesyesnononononoyesyes PakistanPAK1535109980.9017239492 female35completed primary or less2 second 20%nononononoyesnonononoyesnoyesyesnononononononononoyesnonoyesno2 somewhat possible1 savingsyesyesnononononoyesyesnonononononoyes PakistanPAK1609933591.5415677232 female20completed primary or less5 richest 20%nononononoyesnonononoyesnoyesyesnononononononononoyesnonoyesno2 somewhat possible1 savingsyesyesnononoyesyesnononoyesyesnonononononoyesyes PakistanPAK1816592673.4890277392 female30completed primary or less1 poorest 20%nononononoyesnonononoyesyesyesyesnononononononononoyesnonoyesno1 very possible1 savingsnononononononoyesyes PakistanPAK2105301241.4181103932 female45completed primary or less3 middle 20%nononononoyesnonononoyesnoyesyesnonononononoyesnonoyesnonoyesno2 somewhat possible1 savingsnononononononoyesyes PakistanPAK1245848080.3171885871 male35completed primary or less2 second 20%nonononononononononoyesnononononononononoyesyesyesyesnonoyesyes4 not at all possiblenonoyesyesnonoyesyesnonononoyesyesnononoyes PakistanPAK1692973590.5422587341 male20completed primary or less2 second 20%nonononononoyesnononoyesnonoyesnonononononononoyesyesnononono4 not at all possiblenoyesyesnononoyesyesnononoyesnoyesnonononoyesyes PakistanPAK1733485691.6267762031 male18secondary3 middle 20%nononononoyesyesyesnonoyesnonononononononononononononononono2 somewhat possible1 savingsnononoyesyesnonononononono PakistanPAK1956409361.9123605131 male18secondary3 middle 20%yesnoyesnononoyesnononoyesyesnonoyesnononononononoyesyesnoyesyesno4 not at all possiblenonoyesyesnonoyesyesnonononoyesyesnononoyes PakistanPAK2054403330.3171885871 male44secondary3 middle 20%yesyesyesnonoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnononononononononoyesyesnonoyesno2 somewhat possible2 family, relatives, or friendsyesyesnononoyesyesnononoyesyesnononoyesyesnoyesno2 over time as needed3 this was your first account, and it was opened so you could receive payments from an employer.noyesyesnononoyes PakistanPAK1953930111.062328882 female15completed primary or less2 second 20%nonononononononononoyesyesnoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1634805130.6488388972 female27completed tertiary or more3 middle 20%nonononononononononoyesnoyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1546228553.4890277392 female60completed primary or less2 second 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1232325941.5415677232 female22completed primary or less2 second 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenoyesnonononononononononono PakistanPAK1267743642.7051718472 female40completed primary or less1 poorest 20%nonononononononononoyesnoyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1932488950.256469181 male49completed tertiary or more5 richest 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnonononononono PakistanPAK1973814111.2151631391 male43completed primary or less3 middle 20%nononononononononoyesyesnoyesnononononononononoyesyesnononono2 somewhat possible1 savingsnonoyesyesnononononoyesyesnononoyes PakistanPAK1795540711.6267762031 male16completed primary or less4 fourth 20%nononononononoyesnononononononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1326357610.607581571 male44completed primary or less5 richest 20%nonononononononononoyesnoyesnononononononononoyesyesnononono2 somewhat possible1 savingsnonoyesyesnononononoyesyesnononoyes PakistanPAK1663611051.6238052391 male66secondary3 middle 20%yesyesnononoyes1 one or two times per monthyes2 three or more times per month2 you get it over the counter in a branch of your financial institutionnonoyesnonononononoyesyesnononono2 somewhat possible1 savingsnonoyesyesnononononoyesyesnonoyesyes PakistanPAK1696048201.8034478982 female42completed primary or less2 second 20%nononononononononoyesnonoyesyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1736247932.7051718472 female40completed primary or less5 richest 20%nononononononononoyesnononoyesnononononononononononononono4 not at all possibleyesnononononononononononono PakistanPAK1535684230.4698935052 female32completed primary or less5 richest 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1906488520.7082192532 female18secondary1 poorest 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK2090845991.4181103932 female50completed primary or less5 richest 20%nonononononononononoyesnonoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1245207113.4890277391 male22completed primary or less2 second 20%nononononoyesyesnonoyesyesnoyesyesnoyesyesnonoyesnonoyesyesnonoyesno1 very possible4 a credit card or borrowing from a formal financial institutionnonoyesyesnononoyesnoyesnonononoyesyes PakistanPAK1827346290.955522741 male46completed primary or less2 second 20%nononononononononoyesyesnoyesnonononononoyesyesnonoyesnononono2 somewhat possible1 savingsnonoyesyesnonononononoyesyes PakistanPAK1452861320.4174314231 male55secondary1 poorest 20%yesyesnoyesyesnonoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonononononononononononononono1 very possible1 savingsyesnonononoyesnonononoyesyesnonoyesnononoyesyesnoyesno2 over time as needed3 this was your first account, and it was opened so you could receive payments from an employer.nononono PakistanPAK1924631391.6353326221 male27completed primary or less1 poorest 20%nononononononononoyesyesnoyesnonononononononononoyesnonoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonoyesyesnononoyesnoyesnonoyesyesnonononoyes PakistanPAK1632948132.077416571 male15completed primary or less1 poorest 20%nononononoyesyesyesnoyesyesnoyesyesnononononononoyesyesnonoyesnoyes4 not at all possiblenonoyesnonononoyesnoyesnonoyesyesnonononoyes PakistanPAK1361138861.062328882 female18completed primary or less2 second 20%nononononononononononononononononononononononononononono4 not at all possiblenonoyesyesnonoyesyesnonononononoyes PakistanPAK1530248460.4698935052 female26completed primary or less3 middle 20%nononononoyesnononono(dk)nononononononononononoyesyesnononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnoyesyesnononoyesyesnonoyesyesnonononononoyes PakistanPAK1392683922.3081285622 female55completed primary or less2 second 20%nonononononononononoyesnonoyesnonononononononononoyesnonono4 not at all possiblenonononononononoyes PakistanPAK1113209681.7705481332 female21secondary4 fourth 20%nonononononononononoyesnoyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK2068788700.2483523462 female32completed primary or less5 richest 20%nonononononononononoyesnoyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1587535990.9976632681 male53secondary3 middle 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonoyesnononononononononononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnononononoyesno PakistanPAK1901949430.607581571 male35completed primary or less3 middle 20%nonononononononononoyesnonononoyesnonononononoyesnonononono3 not very possible1 savingsnonoyesyesnonoyesyesnonononoyesyesnonoyesyes PakistanPAK1398005800.3756481251 male32completed primary or less3 middle 20%nonononononononononoyesnonononoyesnononononononononononono4 not at all possiblenoyesyesnononoyesyesnonoyesyesnonononoyesyesnonoyesno PakistanPAK2089980653.4890277391 male26completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible1 savingsnonononononoyesyesnononono PakistanPAK2018224191.6267762031 male20completed primary or less3 middle 20%nononononononononoyesyesnonononoyesnonononononoyesnonononono2 somewhat possible1 savingsnonononononoyesyesnonoyesyes PakistanPAK1174827971.4096805152 female25completed primary or less2 second 20%nononononononononoyesyesnonoyesnononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1938501260.7090551962 female50completed primary or less2 second 20%nonononononononononoyesnonoyesnononononononononoyesnononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononononononoyes PakistanPAK1880209841.8034478982 female40completed primary or less3 middle 20%nononononononoyesnonoyesnononononononononononoyesnonononono4 not at all possiblenonononononononoyes PakistanPAK1795717833.0831354462 female20completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1836990661.0679164532 female30completed primary or less2 second 20%nonononononononononononoyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1354048700.477761371 male52completed primary or less4 fourth 20%yesyesyesnonoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnononononononononoyesyesnonoyesyes4 not at all possiblenoyesyesnononoyesyesnononoyesyesyesyesno1 all of the money right away1 you had this account before you began receiving payments from an employer.noyesyesyesnonoyes PakistanPAK1276942343.4890277391 male40completed primary or less2 second 20%yesnoyesnonoyesyesnononoyesnonononoyesnonononononoyesyesnonoyesyes4 not at all possibleyesyesnonoyesyesyesnonoyesyesyesnononononoyesyesnonoyesyes PakistanPAK1569156030.3756481251 male30secondary2 second 20%yesnoyesnonoyesnonononoyesnononononononononononoyesyesnonoyesyes3 not very possible2 family, relatives, or friendsyesyesnononoyesyesnononoyesyesnononononoyesyesnononoyes PakistanPAK1505361721.0845174681 male23completed primary or less3 middle 20%yesyesyesnonoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionyesnonoyesyesyesnononoyesyesnoyesyesyes2 somewhat possible1 savingsyesyesyesnoyesyesyesyesnoyesyesyesnononononoyesyesnonoyesyes PakistanPAK1811871561.8227447091 male42completed primary or less2 second 20%yesyesyesnonoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionyesnonoyesyesyesnononoyesyesnonoyesno1 very possible1 savingsyesyesnononoyesyesnononoyesyesnononoyesyesnoyesno2 over time as needed2 you had an account before, but this account was opened so you could receive payments from an employer.noyesyesnonoyesyes PakistanPAK1805453132.3081285622 female62completed primary or less1 poorest 20%nonononononononononoyesyesyesyesnononononononononoyesnononono4 not at all possiblenonononononononoyes PakistanPAK1758813411.5610289522 female22secondary3 middle 20%nononononononononoyesyesnoyesyesnononoyesnononononoyesnoyesnono2 somewhat possible1 savingsnononoyesyesnononononoyesyes PakistanPAK1619136690.9017239492 female40completed primary or less4 fourth 20%nononononoyesnonononoyesnoyesyesnononononononononoyesnonoyesno2 somewhat possible1 savingsnonononononononoyes PakistanPAK1888188042.8362207852 female45completed primary or less3 middle 20%yesyesnonononono2 you get it over the counter in a branch of your financial institutionnonononononononononoyesnonoyesno3 not very possible1 savingsnonononononononoyes PakistanPAK1611267701.0679164532 female25completed primary or less2 second 20%nonononononononononoyesnoyesyesnononononoyesnononoyesnononono2 somewhat possible3 money from working or a loan from an employernononononononoyesyes PakistanPAK1375439121.0845174681 male19secondary3 middle 20%nononononoyesyesnononoyesnononoyesnononononononoyesyesnonoyesno3 not very possible2 family, relatives, or friendsyesyesnononoyesyesnononoyesyesnononononoyesyesnononoyes PakistanPAK1885985593.4890277391 male17completed primary or less5 richest 20%yesnoyesnonoyesyesyesnononoyesyesnononononononononoyesyesnonoyesyes2 somewhat possible2 family, relatives, or friendsyesyesnononoyesyesnononoyesyesnononononoyesyesnononoyes PakistanPAK2072041910.8119026191 male65completed primary or less2 second 20%yesnoyesnonoyesnonononoyesnononononononononononoyesyesnonoyesyes4 not at all possibleyesyesnononoyesyesnononoyesyesnononononoyesyesnononoyes PakistanPAK1550024712.7112936711 male23secondary2 second 20%yesyesyesnononononononoyesnononononononononoyesyesyesyesnonoyesyes2 somewhat possible1 savingsnoyesyesyesnonoyesyesnononononoyesyesyesnonoyes PakistanPAK2026984522.7112936711 male21completed primary or less2 second 20%yesnoyesnonoyesyesnononoyesnononononononononononoyesyesnonoyesyes3 not very possible1 savingsyesyesnononoyesyesnononoyesyesnononononoyesyesnononoyes PakistanPAK1844717782.3494675252 female25completed primary or less1 poorest 20%nononononoyesyesnononoyesyesyesyesnonononoyesyesnononononononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnononononononoyesno PakistanPAK1708582941.7705481332 female15completed primary or less5 richest 20%nononononoyesnononononononoyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1830957031.4096805152 female27completed primary or less1 poorest 20%nononononoyes(dk)nonono(dk)nonononononononononononononononono4 not at all possiblenonononoyesnononononononoyes PakistanPAK1600614633.0831354462 female15completed primary or less3 middle 20%nononononoyesyesnononoyesyesyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1443164850.9017239492 female35completed primary or less1 poorest 20%nonononono(dk)(dk)nonono(dk)nonononononononononononononononono4 not at all possiblenonoyesyesnononononononono PakistanPAK1514043993.110433911 male56completed primary or less3 middle 20%nonononononononononoyesnonononononononoyesnonoyesnononoyesno2 somewhat possible2 family, relatives, or friendsyesyesnonononoyesyesnonoyesyesnonoyesnoyesnononoyesyesnonoyesyes PakistanPAK1272717962.1715951471 male45completed primary or less3 middle 20%nonononononononononoyesnonononononononoyesnonoyesyesyesnoyesyes4 not at all possiblenonoyesyesnonoyesyesnonoyesnoyesnononoyesyesnonoyesyes PakistanPAK1181667121.7672533851 male70completed primary or less4 fourth 20%nonononononononononoyesnononononononononononoyesyesnonoyesno4 not at all possiblenoyesyesnononononononononoyes PakistanPAK1834374770.477761371 male50completed primary or less3 middle 20%nonononononononononoyesnononononononononononoyesyesnononono2 somewhat possible3 money from working or a loan from an employeryesyesnononoyesyesnononoyesyesnonoyesyesnonoyesnoyesnononoyesyesnononoyes PakistanPAK1264457532.077416571 male20completed primary or less4 fourth 20%nonononononononononoyesyesnonononononononononoyesyesnononoyes4 not at all possibleyesyesnononoyesyesnononoyesyesnononoyesnoyesnononoyesyesnononoyes PakistanPAK1128237981.5415677232 female22completed primary or less2 second 20%nononononoyesyesyesnonoyesnononononononononononoyesyesnononono4 not at all possiblenoyesyesnononononononononoyes PakistanPAK1186937221.3566092342 female21completed primary or less2 second 20%nononononoyesnoyesnonoyesnononononononononononoyesyesnononono4 not at all possiblenoyesyesnononoyesyesnononononononoyes PakistanPAK1675041771.1903016172 female40completed primary or less3 middle 20%nononononono(dk)nononoyesnononononononononononoyesnonononono4 not at all possibleyesnononononoyesyesnononononononoyes PakistanPAK1231837811.3566092342 female24completed primary or less2 second 20%nononononoyesyesnoyesnoyesnonoyesnonononononononoyesyesnonoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionyesnonononoyesyesnononononononononoyes PakistanPAK1762496010.7935344112 female35completed primary or less1 poorest 20%nononononono(dk)yesnonoyesnononononononononononoyesyesnonoyesyes2 somewhat possible4 a credit card or borrowing from a formal financial institutionnoyesyesnononononononononoyes PakistanPAK1725461960.3171885871 male40secondary4 fourth 20%yesyesnononoyes1 one or two times per monthyes2 three or more times per month2 you get it over the counter in a branch of your financial institutionnonoyesnonoyesnononoyesyesyesyesnoyes4 not at all possibleyesyesnonoyesyesyesnonoyesyesyesnonoyesyesnonononoyesyesyesnoyesyes PakistanPAK1361080993.4890277391 male70completed primary or less2 second 20%nonononononononononoyesnononononononononononoyesyesyesnonoyes4 not at all possiblenonoyesyesnononononoyesyesnononoyes PakistanPAK1843072790.7195620741 male30completed primary or less3 middle 20%nonononononononononoyesnonononononononononoyesyesyesnononoyes4 not at all possibleyesyesnononoyesyesnonoyesyesyesnononononononoyes PakistanPAK1612797181.2151631391 male40completed primary or less1 poorest 20%nonononononononononoyesnononononononononononoyesyesnonoyesyes4 not at all possibleyesyesnononoyesyesnononoyesyesnonoyesyesnonononoyesyesnonoyesyes PakistanPAK1176854471.0845174681 male18completed primary or less2 second 20%nonononononononononoyesnononononononononononoyesyesnononono3 not very possible3 money from working or a loan from an employernoyesyesnononoyesyesnonoyesyesnonoyesnoyesnononoyesyesnononoyes PakistanPAK1522155221.4181103932 female50completed primary or less2 second 20%nonononononononononoyesnonoyesnonononononononoyesyesnonoyesno4 not at all possiblenonononononononoyes PakistanPAK2040360431.0679164532 female30completed primary or less3 middle 20%nonononono(dk)(dk)yesnonoyesnoyesnonononononononononononononono4 not at all possiblenonononononononono PakistanPAK1609934760.7090551962 female45completed primary or less1 poorest 20%nonononononononononoyesnoyesnonononononononononononononono4 not at all possiblenonononononononono PakistanPAK1802405242.8362207852 female45completed primary or less2 second 20%nonononononononononoyesnononononononononononoyesnonononono4 not at all possiblenonononononononoyes PakistanPAK1613332873.4890277392 female16completed primary or less4 fourth 20%nonononononoyesyesnonoyesnononononononononononoyesyesnonoyesno4 not at all possiblenoyesyesnononononononononoyes PakistanPAK1547079000.3936336381 male22secondary2 second 20%nononononononononononononoyesnoyesnononoyesnononononononono1 very possible2 family, relatives, or friendsnononononononoyesyes PakistanPAK1505822280.5453770631 male29completed tertiary or more5 richest 20%yesyesyesnononono2 you get it over the counter in a branch of your financial institutionnonoyesnononononononoyesnononono2 somewhat possible2 family, relatives, or friendsnoyesyesnonononoyesyesnonoyesnoyesnonoyesnoyesyes2 over time as needed2 you had an account before, but this account was opened so you could receive payments from the government.noyesyes PakistanPAK1403707620.5904504571 male22secondary4 fourth 20%nononononono(dk)nononoyesnonoyesnononononononononoyesnononoyes1 very possible6 some other sourceyesyesnonononononononoyesyesnononoyes PakistanPAK2072289482.1825917471 male56completed primary or less4 fourth 20%nonononononononoyesnoyesnonoyesnoyesyesnonoyesnononononononono4 not at all possiblenononononononoyesyes PakistanPAK1687897981.184897241 male27completed primary or less1 poorest 20%nonononononononononoyesnoyesnonononoyesnononononoyesnonoyesno2 somewhat possible2 family, relatives, or friendsnononoyesyesnononononoyesyes PakistanPAK1309054940.4396324182 female30completed primary or less4 fourth 20%nononononononononononononononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1328866830.386884982 female25completed primary or less3 middle 20%nononononono(dk)(dk)nono(dk)no(dk)(dk)nononononononononononononono4 not at all possiblenonononononononono PakistanPAK1801596490.9501943132 female60completed primary or less3 middle 20%nononononononononononononononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1157599941.9038656362 female18completed primary or less4 fourth 20%nonononononoyesnononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1961201790.4396324182 female28completed primary or less3 middle 20%nononononononononononononoyesnononononononononononononono4 not at all possiblenoyesyesnononononononononono PakistanPAK2104939990.3917339741 male40completed primary or less1 poorest 20%yesnoyesnononononononoyesnonoyesnononononononononononoyesyesno4 not at all possiblenonononononononoyes PakistanPAK1118550221.184897241 male26completed primary or less1 poorest 20%nononononononoyesyesnonononononoyesnononononononononononono2 somewhat possible2 family, relatives, or friendsnononononononoyesno PakistanPAK1370449130.2611559831 male37completed primary or less1 poorest 20%nononononononoyes(dk)(dk)no(dk)no(dk)nononononononononononononono4 not at all possiblenonononononononono PakistanPAK1409186400.2483523461 male23completed primary or less2 second 20%nononononononononononononoyesnononononononononononononono2 somewhat possible6 some other sourceyesnononononononononononoyes PakistanPAK2070355572.2738135491 male44completed primary or less1 poorest 20%nononononoyesnononononononoyesnononononoyesnononononononono2 somewhat possible2 family, relatives, or friendsnononononononoyesno PakistanPAK1440425190.9501943132 female60completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1669065460.3712154442 female35completed primary or less3 middle 20%nonononononononononoyesnonononononononononononononononono4 not at all possibleyesnonononoyesyesnononononononononono PakistanPAK1303885611.3188972542 female30completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1397337490.2918989122 female45completed primary or less1 poorest 20%nononononononononononononononononononononononononononono4 not at all possibleyesyesnononoyesyesnononononononoyesyesnononono PakistanPAK1380070230.4396324182 female30completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK2110171822.6928894411 male25completed primary or less1 poorest 20%nonononononononononoyesnononononononononononoyesyesnonoyesno2 somewhat possible1 savingsyesyesnononoyesyesnononononononoyesyesnonoyesyes PakistanPAK1804197502.0196670811 male26completed primary or less3 middle 20%nononononono(dk)nononoyes(dk)no(dk)noyesnononoyesnononononononono4 not at all possiblenononononononoyesno PakistanPAK1911203741.7104328111 male23completed primary or less1 poorest 20%nonononononononono(dk)yesnonononononononononononononononono2 somewhat possible6 some other sourcenonononononoyesyesnonoyesno PakistanPAK1747406490.8929332171 male18completed primary or less1 poorest 20%nononononononoyesnononononononoyesnononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononoyesyesnonoyesyes PakistanPAK1280349311.9436311851 male23completed primary or less2 second 20%nononononononoyesnononononononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1471312770.5837978242 female45completed primary or less1 poorest 20%nonononononoyesyesnonoyesnonononononononononononononononono3 not very possible6 some other sourcenonononononononono PakistanPAK2045312120.4396324182 female25completed primary or less2 second 20%nonononononoyesnononoyesnononononononononononononononoyesno4 not at all possiblenonononononononoyes PakistanPAK1602992561.3188972542 female30completed primary or less5 richest 20%nonononononoyesnononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1198484631.9003886272 female55completed primary or less1 poorest 20%nonononononoyesnononoyesnononononononononononononononoyesno4 not at all possiblenonononononononoyes PakistanPAK2044976730.4396324182 female30completed primary or less4 fourth 20%nonononononoyesyesnonoyesnonononononononononononononononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononononononono PakistanPAK1165103531.1161665221 male21completed primary or less3 middle 20%nononononononononononononoyesnoyesnononononononoyesnononoyes2 somewhat possible2 family, relatives, or friendsnoyesyesnononononoyesnoyesnononoyesyesnonoyesyes PakistanPAK1403651741.1161665221 male18completed primary or less2 second 20%nononononononononononononoyesnononononononononoyesnonoyesno1 very possible2 family, relatives, or friendsnoyesyesnononononononoyesyesnononoyes PakistanPAK1376260090.9840840941 male24secondary3 middle 20%nonononononononoyesnonononoyesnoyesnoyesnoyesnonoyesyesnononoyes2 somewhat possible1 savingsyesyesnonononononononoyesyesnonoyesyes PakistanPAK2091508980.8929332171 male17secondary3 middle 20%nonononononononononoyesnonoyesnononononononononoyesnonoyesno3 not very possible2 family, relatives, or friendsnoyesyesnononononononoyesyesnononoyes PakistanPAK1717441130.4464666091 male19secondary3 middle 20%nonononononononononoyesnonononoyesnononoyesnononoyesnononoyes3 not very possible2 family, relatives, or friendsyesyesnononoyesyesnononononoyesnoyesnononoyesyesnonoyesyes PakistanPAK1738178320.3712154442 female35completed primary or less4 fourth 20%nonononononoyesnoyesnoyesnonoyesnononononononononoyesnonoyesno4 not at all possiblenononoyesyesnonononoyesyesnononoyes PakistanPAK1150820621.2692437572 female15completed primary or less3 middle 20%nononononoyesnonoyesnonononoyesnononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1251454831.9038656362 female17completed primary or less4 fourth 20%nononononoyesnoyesnononononononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1201305850.4373321652 female17secondary4 fourth 20%nonononononoyesnononoyesnonoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1117295010.7424308882 female38completed primary or less4 fourth 20%nononononononononononononoyesnononononononononoyesnonoyesno4 not at all possiblenoyesyesnonononoyesyesnonononoyesyesnonoyesyes PakistanPAK2085804080.2483523461 male59completed primary or less5 richest 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnononoyesnoyesnoyesnonoyesyesnoyesno2 somewhat possible6 some other sourcenoyesyesnononoyesyesnonononononoyesyes PakistanPAK1356092620.7275305821 male65completed primary or less4 fourth 20%nonononononononononoyesnoyesnonononononononononoyesyesnoyesno2 somewhat possible6 some other sourcenoyesyesnononoyesyesnononononoyesyesnononoyes PakistanPAK1968056940.4464666091 male16secondary5 richest 20%nononononononoyesnonoyesnonoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnononoyesyesnonononononono PakistanPAK1516514220.7872672761 male24secondary5 richest 20%nonononononononononoyesnonoyesnononononoyesnonoyesyesyesnonono2 somewhat possible3 money from working or a loan from an employeryesnononoyesyesyesnonoyesnonoyesnoyesnonononoyesyes PakistanPAK1285397561.346444721 male28completed primary or less4 fourth 20%nonononononononononoyesnononononononononononoyesyesyesnonono4 not at all possibleyesyesnononoyesyesnononoyesyesnonoyesyesnonoyesnoyesnononoyesyesnononoyes PakistanPAK1846358500.5837978242 female50completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible1 savingsnonoyesnononononononoyesno PakistanPAK1229672610.2483523462 female28secondary4 fourth 20%nonononononoyesnononoyesnononononononononononononononoyesno4 not at all possiblenoyesnonononononononononoyes PakistanPAK1830710500.3712154442 female35completed primary or less5 richest 20%nonononononoyesnononoyesnonononononononononononononononono2 somewhat possible6 some other sourcenonoyesnonononononononono PakistanPAK1127216590.4373321652 female16secondary4 fourth 20%nonononononoyesnononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1537524720.2483523462 female25completed primary or less5 richest 20%nonononononoyesnononoyesnonononononononononononononononono2 somewhat possible7 (dk)nonononononononono PakistanPAK1545782590.4276082031 male22completed primary or less5 richest 20%nononononononononononoyesnonononononononononoyesyesnonoyesno4 not at all possibleyesyesnononoyesyesnononoyesyesnonoyesyesnonononononoyes PakistanPAK1347700350.5684533871 male38completed primary or less1 poorest 20%nonononononononononoyesnononononononononononoyesyesyesnoyesno4 not at all possibleyesyesnononoyesyesnononoyesyesnonoyesyesnonoyesnoyesnononononoyes PakistanPAK1718827090.8939871871 male53completed primary or less3 middle 20%nonononononononononoyesnonoyesnoyesnononoyesnonoyesyesnonoyesyes2 somewhat possible6 some other sourceyesyesnononoyesyesnononoyesyesnonoyesyesnonononoyesyesnonoyesyes PakistanPAK1725192160.673222361 male26completed primary or less4 fourth 20%nononononononononononoyesnoyesnonononononononoyesyesyesnonono4 not at all possibleyesnonononoyesyesnononoyesyesnononoyesnoyesnononononoyes PakistanPAK1214804850.6185768291 male27secondary1 poorest 20%nononononononononononononoyesnonononononononoyesyesnononono2 somewhat possible6 some other sourceyesyesnononoyesyesnononoyesyesnonoyesyesnonononononoyes PakistanPAK1484781090.3855801252 female20completed tertiary or more5 richest 20%nononononononoyesnononoyesnoyesnononononononononononononono1 very possible1 savingsnonononononononono PakistanPAK1657328810.3029605562 female32secondary5 richest 20%nonononononoyesyesnonoyesyesnononononononononononononononono1 very possible1 savingsnonononononononono PakistanPAK1229766511.045236582 female60completed primary or less3 middle 20%nonononononoyesnononoyesnonononononononononononononononono2 somewhat possible7 (dk)nonononononononono PakistanPAK1222517750.2483523462 female36secondary4 fourth 20%nonononononoyesnononoyesnoyesnonononononononononononononono2 somewhat possible7 (dk)nonononononononono PakistanPAK1228681830.2483523462 female50completed primary or less5 richest 20%nonononononoyesnononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1403128620.2483523461 male16secondary5 richest 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnononoyesyesnonononononono PakistanPAK1216432350.2611559831 male37completed primary or less3 middle 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononononononononononononono3 not very possible1 savingsnonoyesyesnonoyesyesnonononononono PakistanPAK1816244370.6696999131 male18secondary4 fourth 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnononononononono PakistanPAK1601688640.5013576351 male70secondary1 poorest 20%nonononononononononoyesnonononononononononononononononono3 not very possible1 savingsnonoyesyesnononononononono PakistanPAK1186957340.3092884151 male34completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1909906450.3712154442 female35completed primary or less5 richest 20%nononononoyesyesnononoyesnoyesnonononoyesnononononoyesnonoyesno2 somewhat possible1 savingsnoyesyesnonononoyesyesnononononoyesyes PakistanPAK1825281800.8756967352 female50completed primary or less5 richest 20%nononononoyesyesnoyesnoyesnoyesyesnonoyesyesnonoyesnonoyesyesnonoyes2 somewhat possible2 family, relatives, or friendsnoyesyesnonononoyesyesnonononoyesyesnonoyesyes PakistanPAK1516721010.5141068342 female24completed tertiary or more1 poorest 20%nononononoyesyesnoyesnoyesyesnoyesnoyesyesyesnonoyesnonononononono1 very possible2 family, relatives, or friendsnoyesyesnonononoyesyesnonononoyesyesnonoyesno PakistanPAK1151894961.9003886272 female60completed primary or less1 poorest 20%nononononoyesyesnoyesnoyesyesnoyesnoyesyesyesnonoyesnonononononono2 somewhat possible1 savingsyesyesnonononoyesyesnonononononoyesno PakistanPAK1591330421.1169589082 female20completed primary or less2 second 20%nononononoyesyesnononoyes(dk)yesyesnonoyesyesnonoyesnonononononono1 very possible2 family, relatives, or friendsnononoyesyesnononononoyesno PakistanPAK1244762320.500249911 male40completed primary or less3 middle 20%nonononononononononoyesnonoyesnoyesnononononononoyesnonoyesyes2 somewhat possible2 family, relatives, or friendsyesyesnononoyesyesnononononoyesnoyesnonononoyesyes PakistanPAK1514263900.500249911 male40completed primary or less2 second 20%nonononononononononoyesnonoyesnononononononononoyesnonoyesno3 not very possible2 family, relatives, or friendsnoyesyesnononononononoyesyesnononoyes PakistanPAK2046742230.6696999131 male16secondary4 fourth 20%yesnoyesnonononononononononoyesnononoyesnoyesnononoyesnoyesnono2 somewhat possible2 family, relatives, or friendsnoyesyesnononononononoyesyesnonoyesyes PakistanPAK1180300440.8939871871 male50completed primary or less3 middle 20%nononononononononononononoyesnoyesyesnonoyesnononoyesnonoyesyes3 not very possible2 family, relatives, or friendsnoyesyesnononononononoyesyesnonoyesyes PakistanPAK1838101540.2483523461 male21completed primary or less5 richest 20%yesnoyesnononononononoyesnonoyesnoyesnononoyesnononoyesnonoyesno2 somewhat possible3 money from working or a loan from an employeryesnonononoyesyesnononononoyesnoyesnonononoyesyes PakistanPAK1132647220.2483523462 female35completed primary or less3 middle 20%nononononononononononononononononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1397588360.4039474082 female25secondary5 richest 20%nonononononononononoyesnonononononononononononononononono3 not very possible1 savingsnonononononononono PakistanPAK1262842160.4396324182 female30completed primary or less4 fourth 20%nononononononononononononononononononononononononononono4 not at all possible(dk)nononononononono PakistanPAK1874076651.9003886272 female70completed primary or less2 second 20%nononononoyesnononononononononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1180467000.5837978242 female50completed primary or less1 poorest 20%nononononoyesnonononoyesnonononononononononononononononono4 not at all possible(dk)nononononononono PakistanPAK1913730750.4464666091 male19secondary4 fourth 20%nononononoyesnono(dk)(dk)(dk)no(dk)yesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononoyesyesnononono PakistanPAK1951163980.2483523461 male36secondary5 richest 20%nononononoyesnonono(dk)no(dk)(dk)(dk)nononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonoyesnoyesnonononoyesyes PakistanPAK1267545880.7872672761 male22completed tertiary or more4 fourth 20%nononononoyesnono(dk)(dk)no(dk)(dk)(dk)nononononononononononononono3 not very possible2 family, relatives, or friendsnonoyesyesnononononononono PakistanPAK1140045780.2483523461 male45secondary5 richest 20%nononononoyesnono(dk)nonononononononoyesnononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonoyesyesnononononoyesyes PakistanPAK2075059360.2483523461 male30secondary4 fourth 20%nononononoyesno(dk)nononononononononoyesnononononononononono2 somewhat possible1 savingsnonoyesyesnonoyesyesnonoyesnoyesnononoyesyesnonoyesyes PakistanPAK1341047510.4396324182 female30completed primary or less5 richest 20%nononononononononoyesyesyesnononononononononononoyesnonoyesno4 not at all possiblenoyesyesnononononononononoyes PakistanPAK1425820360.2483523462 female26secondary5 richest 20%nononononononoyesnoyesnoyesnononononononoyesyesnonononononono2 somewhat possible2 family, relatives, or friendsnononononononoyesno PakistanPAK1477214050.2483523462 female24completed primary or less5 richest 20%nononononononoyesnoyesnononononononononononononoyesnonoyesno4 not at all possiblenoyesyesnononononononononoyes PakistanPAK1120281680.4373321652 female18secondary2 second 20%nononononononoyesnononoyesyesnonononononononononononononono2 somewhat possible2 family, relatives, or friendsyesnonononoyesyesnononononononononono PakistanPAK2037420291.425291472 female70completed primary or less5 richest 20%nononononononoyesnononoyesnononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1363309520.3092884151 male25secondary4 fourth 20%nonononononononononoyesnonoyesnonononononononoyesyesyesnonono4 not at all possiblenonoyesyesnononononononoyes PakistanPAK1541256150.2611559831 male35completed primary or less3 middle 20%nonononononononononoyesnonononononononononononononononono3 not very possible1 savingsnonononononononono PakistanPAK1571655870.6696999131 male18secondary4 fourth 20%nononononononononononoyesnononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnononononononono PakistanPAK1142142870.8929332171 male18secondary4 fourth 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnononononononono PakistanPAK1518991110.7732210371 male26secondary4 fourth 20%nonononononononononoyesnonononononononononononononononono3 not very possible2 family, relatives, or friendsnoyesyesnononoyesyesnononononononono PakistanPAK1923079180.7424308882 female40completed primary or less4 fourth 20%nononononoyesyesnoyesnonononononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1531327170.4396324182 female30completed primary or less3 middle 20%nononononoyesyesnononoyesnonononononononononononononononono2 somewhat possible7 (dk)(dk)nononononononono PakistanPAK1953019722.5384875152 female20completed primary or less2 second 20%nonononono(dk)(dk)(dk)(dk)(dk)(dk)(dk)(dk)(dk)nononononononononononononono4 not at all possiblenono(dk)nononononono PakistanPAK2097542380.8377191812 female18completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1357064530.4396324182 female25completed primary or less4 fourth 20%nononononononononononononononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1634182050.2483523461 male42completed tertiary or more4 fourth 20%nonononononononononoyesnonononoyesnononononononononononono2 somewhat possible1 savingsnononoyesyesnononononoyesno PakistanPAK1805593542.0196670811 male30completed primary or less3 middle 20%nonononononononononoyesnonononononononononononoyesnononoyes4 not at all possiblenonononononononoyes PakistanPAK1887229040.2483523461 male24completed primary or less5 richest 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK1938618870.8929332171 male19secondary4 fourth 20%nonononononononononoyesnonononononononononononononononono3 not very possible1 savingsnonononononononono PakistanPAK1422324390.3621092631 male47completed tertiary or more2 second 20%nonononononononononoyesnonononononononononononononononono3 not very possible1 savingsnonononononononono PakistanPAK1483310391.9038656362 female20completed primary or less3 middle 20%nononononoyesyesyesno(dk)yesyesyesyesnonononononononoyesyesnonoyesno4 not at all possibleyesnonononoyesyesnononononononononoyes PakistanPAK1636928410.5584794542 female16completed primary or less5 richest 20%nononononoyesyesyesyesyesyesnonoyesnonoyesyesnonoyesnonoyesyesnoyesyes1 very possible2 family, relatives, or friendsnoyesnoyesyesyesnoyesyesnononononoyesyes PakistanPAK1236661720.3712154442 female35completed primary or less5 richest 20%nononononoyesyesnonoyesnonoyesyesnoyesyesyesnonoyesnonononononono2 somewhat possible1 savingsyesyesyesnonoyesnononononoyesyesnononononoyesno PakistanPAK1989771000.8377191812 female19completed primary or less3 middle 20%nononononoyesyesyesyesyesyesnoyesyesnonononononononoyesyesnonoyesyes2 somewhat possible2 family, relatives, or friendsnoyesyesnononononononononoyes PakistanPAK1837743810.2483523462 female45completed primary or less5 richest 20%nononononoyesyesyesyesnonoyesnoyesnonoyesyesyesnonoyesnononononono1 very possible2 family, relatives, or friendsyesyesnononononoyesyesnonononoyesyesnonoyesyes PakistanPAK1559088150.320120451 male56completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1359405960.2483523461 male51secondary4 fourth 20%nononononononononoyesyesnonononononononononononoyesnonoyesno2 somewhat possible2 family, relatives, or friendsnonononononononoyes PakistanPAK1657555530.5904504571 male24secondary4 fourth 20%nonononononononononoyesnonononononononononononononononono3 not very possible7 (dk)nononoyesyesnonononononono PakistanPAK1525127770.2483523461 male57secondary3 middle 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononoyesnoyesnononononono PakistanPAK1726393700.2483523461 male55secondary1 poorest 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1834071600.5141068342 female19secondary4 fourth 20%nononononoyesnononoyesnonoyesyesnononononononononononononono1 very possible2 family, relatives, or friendsyesyesnonononoyesyesnonoyesyesnonononoyesyesnononono PakistanPAK1487639440.4900150912 female35completed primary or less3 middle 20%nonononononoyesnoyesnononoyesyesnononononononononononononono4 not at all possiblenononoyesyesnonononoyesyesnonoyesyes PakistanPAK1472586601.7585296732 female25completed primary or less2 second 20%nononononoyesnonononoyesnonononononononononononononononono4 not at all possiblenonononononoyesyesnononono PakistanPAK1622965321.1675956472 female50completed primary or less3 middle 20%nononononoyesyesnonononoyesnoyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnoyesyesnononononononoyesyesnonoyesno PakistanPAK1631012500.7424308882 female42completed primary or less4 fourth 20%nononononoyesnonononoyesnononononononononononononononoyesno4 not at all possiblenoyesyesnonononononononoyesyes PakistanPAK1468693740.2483523461 male36secondary4 fourth 20%yesyesnononoyes1 one or two times per monthyes1 one or two times per month2 you get it over the counter in a branch of your financial institutionnonononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1132822752.0196670811 male26completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononoyesnononoyes2 somewhat possible2 family, relatives, or friendsnonononononononoyes PakistanPAK1666553371.1161665221 male17completed primary or less3 middle 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1616558911.7104328111 male16completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1165050580.5684533871 male40completed primary or less4 fourth 20%nononononoyesnonononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK2101959720.5837978242 female50completed primary or less4 fourth 20%nononononononoyesnonoyesnononononoyesnonononononononononono4 not at all possiblenonononononoyesyesnonoyesno PakistanPAK1744504091.7585296732 female28completed primary or less2 second 20%nononononoyesnonononoyesnononononononononononononononoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononononononoyes PakistanPAK2085731611.3188972542 female28completed primary or less2 second 20%nonononononononononoyesnonononononononononononoyesnonoyesno2 somewhat possible2 family, relatives, or friendsnonononononononoyes PakistanPAK1181805841.2692437572 female20completed primary or less3 middle 20%nonononononoyesnononoyesnonononononononononononononononono4 not at all possiblenonononononoyesyesnononono PakistanPAK1251481471.4848617762 female35completed primary or less5 richest 20%nononononononononononononononononononononononononononono4 not at all possiblenononoyesyesnonononoyesyesnononoyes PakistanPAK1611064290.7503748651 male40completed primary or less3 middle 20%nononononoyesnonononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1464947100.3933629561 male50completed primary or less4 fourth 20%nononononoyesnonononoyesnonononononononononononoyesnononoyes1 very possible2 family, relatives, or friends(dk)no(dk)nononononoyes PakistanPAK1728199090.4469935931 male50completed primary or less3 middle 20%nonononononononononoyesnonononononononononononononononono4 not at all possibleyesnononononononononononono PakistanPAK1332417150.3342384241 male60completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononoyesnononoyes2 somewhat possible2 family, relatives, or friendsnonononononoyesyesnononoyes PakistanPAK1749749140.2483523461 male35secondary3 middle 20%nononononoyesnononoyesyesnonononononononononononoyesnononoyes2 somewhat possible2 family, relatives, or friendsnonononononononoyes PakistanPAK1249632530.8377191812 female20completed primary or less5 richest 20%nonononononononononoyesyesnononononononononononoyesnonoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnoyesyesnononononononononoyes PakistanPAK1525454930.2915547772 female24completed primary or less3 middle 20%nonononononononononoyesnonononononononononononoyesnononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnoyesyesnononononononononoyes PakistanPAK1536394160.4750971572 female60completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenoyesyesnononononononoyesyesnononono PakistanPAK1988374680.3712154442 female40completed primary or less5 richest 20%nononononononononononononononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1955990640.9501943132 female60completed primary or less2 second 20%nononononononoyesnonoyesnonononononononononononoyesnonoyesno4 not at all possiblenoyesyesnononononononononoyes PakistanPAK2008747210.3285619821 male30completed primary or less3 middle 20%yesyesnonononono5 (do not need to get cash)nononononononononoyesyesyesyesnono1 very possible1 savingsnononononononoyesyes PakistanPAK1881254330.2483523461 male45secondary5 richest 20%yesyesnonononono5 (do not need to get cash)nonoyesnononoyesnononoyesyesnonono4 not at all possibleyesyesnononononononononoyesyes PakistanPAK1131183800.2483523461 male38completed primary or less5 richest 20%nonononononononononoyesnononononononononononoyesyesyesyesnono1 very possible1 savingsnononononononoyesyes PakistanPAK1339892530.2483523461 male39secondary5 richest 20%yesyesnonononono5 (do not need to get cash)nonoyesnonoyesnonononoyesyesnonono4 not at all possibleyesyesnonononononononoyesyesnonoyesyes PakistanPAK1148247700.2908699211 male45completed primary or less4 fourth 20%nononononononononoyesnononononononononononononoyesnononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonononononoyesyes PakistanPAK1973396170.9340569622 female27completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1294888331.7977836632 female22completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononononononono5 (dk)nonononononononono PakistanPAK2057310110.5257973942 female38completed primary or less4 fourth 20%nonononononononononoyesnonononoyesnononoyesnononononononono3 not very possible6 some other sourcenononononononoyesno PakistanPAK1655206560.3113523212 female28completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono5 (dk)nonononononononono PakistanPAK1515808021.0515947892 female35completed primary or less5 richest 20%nonononononononononoyesno(dk)(dk)noyesnononoyesnononononononono2 somewhat possible2 family, relatives, or friendsnononononononoyesyes PakistanPAK1876485620.6293675531 male27completed primary or less5 richest 20%yesyesnoyesyesyesnoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonoyesnoyesyesyesnonoyesyesnononono1 very possible1 savingsyesyesyesnoyesyesyesyesnoyesyesyesnonoyesyesyesnonononoyesyes PakistanPAK1700288050.2483523461 male63completed primary or less5 richest 20%nononononononononononoyesnonononoyesnonoyesnonoyesyesnononono1 very possible1 savingsyesnononoyesyesyesnonoyesyesyesnonononononoyesyes PakistanPAK1927636650.2483523461 male34secondary4 fourth 20%yesyesnoyesyesyesnonoyes1 one or two times per month1 you get it at an atmnonoyesnonoyesnononoyesyesnononoyes1 very possible2 family, relatives, or friendsyesyesyesnoyesyesyesyesnoyesyesnoyesnonononoyesyesnonoyesyes PakistanPAK1759968600.4178756981 male49completed primary or less2 second 20%nononononononononoyesyesnonoyesnononoyesnonononoyesyesnononono1 very possible2 family, relatives, or friendsnonoyesyesnonoyesyesnononononoyesyes PakistanPAK2036649630.2483523461 male33secondary5 richest 20%yesyesnoyesyesyesnoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonoyesnoyesyesyesnonoyesyesnononono1 very possible1 savingsyesyesyesnoyesyesyesyesnoyesyesyesnonoyesyesyesnonononoyesyes PakistanPAK1292897531.0515947892 female40completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononononononono5 (dk)nonononononononono PakistanPAK1808231230.7886960912 female42completed primary or less5 richest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK2034396011.7977836632 female18completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono3 not very possible2 family, relatives, or friendsnoyesyesnononononononononoyes PakistanPAK2009997350.593281572 female15completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK2062248490.6201776752 female50completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1237196050.3285619821 male26secondary5 richest 20%yesyesnoyesyesnononono1 you get it at an atmnonoyesnonononononoyesyesnononoyes1 very possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonoyesnoyesnononoyesyesnonoyesyes PakistanPAK1557793030.2483523461 male30secondary5 richest 20%nonononononononononoyesnonononoyesnonononononoyesyesnononono1 very possible2 family, relatives, or friendsnonoyesyesnononononoyesyesnonoyesyes PakistanPAK1941777220.6969387471 male23secondary4 fourth 20%nonononononononononoyesnonononoyesnononononononoyesyesnonono1 very possible2 family, relatives, or friendsnonoyesyesnononononoyesyesnonoyesyes PakistanPAK1889029560.2483523461 male40completed primary or less5 richest 20%yesyesnoyesyesnononono1 you get it at an atmnonoyesnonononononoyesyesnononoyes1 very possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononoyesyesnonoyesyes PakistanPAK1270715950.3699068491 male35secondary5 richest 20%nonononononononononoyesnonononoyesnononononoyesyesnonononono1 very possible2 family, relatives, or friendsnonoyesyesnononononoyesyesnonoyesyes PakistanPAK1270735841.2454092832 female25completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnononononononoyesno PakistanPAK1723893360.6201776752 female50completed primary or less2 second 20%nonononononononononoyesnonononononononononononononononono1 very possible2 family, relatives, or friendsnononononononoyesno PakistanPAK1215141750.9340569622 female30completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono4 not at all possibleyesnononononononononononono PakistanPAK1287188660.2628986972 female35completed primary or less5 richest 20%nonononononononononoyesnonononononononononononoyesnononono2 somewhat possible1 savingsnononononononoyesyes PakistanPAK1343224211.0094064692 female70completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1667798800.6801380481 male56completed primary or less1 poorest 20%yesyesnononoyesyesnononononoyesyesnononononononononononononono3 not very possible2 family, relatives, or friendsnononononoyesyesyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from the government.yesyesnononono PakistanPAK1326366800.2483523461 male30completed primary or less1 poorest 20%yesyesnononoyesyesyesnonononoyesyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnononononoyesnoyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from the government.yesyesnononono PakistanPAK1158294400.7904809171 male16completed primary or less1 poorest 20%nononononoyesyesyesnonoyesnoyesnonononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK2005740681.5457345221 male70completed primary or less2 second 20%nonononononononononononoyesyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1758978790.5476033031 male26secondary1 poorest 20%nononononoyesyesyesnonononoyesyesnononononononononononononono3 not very possible2 family, relatives, or friendsnonononononononono PakistanPAK1337021431.0515947892 female35completed primary or less5 richest 20%nononononononononononononononononononononononoyesnonoyesno2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononononononoyes PakistanPAK2004172010.8988918312 female15completed primary or less5 richest 20%nononononononononononononononononononononononoyesnononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononononononoyes PakistanPAK1833898110.3113523212 female25completed primary or less3 middle 20%nononononononoyesnono(dk)no(dk)yesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1817284771.7977836632 female18completed primary or less1 poorest 20%nononononononononononononononononononononononononononono5 (dk)nonononononononono PakistanPAK1734501860.3364688232 female55completed primary or less4 fourth 20%nonononononononononononononononononononononononononoyesno4 not at all possiblenonononononononoyes PakistanPAK1976802142.0609793621 male60completed primary or less1 poorest 20%nononononoyesyesyesnonoyesyesyesyesnononononononononoyesnononoyes4 not at all possiblenoyesnonononononoyesnononononononoyes PakistanPAK1626761900.4025846911 male40completed primary or less3 middle 20%nononononoyesnoyesnonoyesyesyesyesnononononononononoyesnonoyesno4 not at all possiblenonononoyesnoyesnononononoyes PakistanPAK1344321790.4025846911 male40completed primary or less5 richest 20%nononononoyesnononoyesyesyesnoyesnononononononononoyesnononoyes4 not at all possiblenonononoyesnoyesnononononoyes PakistanPAK1693978760.4025846911 male35completed primary or less4 fourth 20%nononononoyesyesnononoyesyesnoyesnononononononononononononono4 not at all possiblenonononoyesnoyesnononononono PakistanPAK1258406240.2787754991 male23secondary3 middle 20%nononononoyesyesnononoyesnonoyesnonononononononoyesnonononono4 not at all possiblenonononononononoyes PakistanPAK1747167550.6729376462 female55completed primary or less1 poorest 20%nononononononononononononononononononononononoyesnononono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnoyesyesnononononononononoyes PakistanPAK1710595560.2628986972 female40completed primary or less1 poorest 20%nononononononononononononoyesnononononononononononononono4 not at all possiblenoyesyesnononononononononono PakistanPAK1996543810.2628986972 female40completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononoyesnononono4 not at all possiblenoyesyesnononononononononoyes PakistanPAK1366021060.9340569622 female25completed primary or less1 poorest 20%nononononononononononononoyesnononononononononononononono3 not very possible1 savingsnonononononononono PakistanPAK1227218150.3097232572 female20completed primary or less1 poorest 20%nonononononononononoyesnonononononononononononononononono4 not at all possiblenonononononononono PakistanPAK1154825550.6623910271 male25secondary5 richest 20%nonononononononononoyesnoyesnonononononononononononononono1 very possible3 money from working or a loan from an employernonoyesyesnononononononono PakistanPAK1769139490.8119026191 male75completed primary or less5 richest 20%nonononononononononoyesnonononononononononononononononono1 very possible2 family, relatives, or friendsnonoyesyesnononononononono PakistanPAK1129342270.7195620741 male32completed primary or less4 fourth 20%nonononononononononoyesnonononoyesnononononononononononono2 somewhat possible2 family, relatives, or friendsnononononononoyesno PakistanPAK1707094331.8227447091 male40completed primary or less4 fourth 20%nonononononononononoyesnonononononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononononono PakistanPAK1977822090.4174314231 male65secondary5 richest 20%yesyesnoyesyesnonoyes2 three or more times per monthyes2 three or more times per month2 you get it over the counter in a branch of your financial institutionnonononononononononononononono1 very possible1 savingsnononoyesyesnononononoyesno PakistanPAK1590539291.1540642812 female70completed primary or less1 poorest 20%nonononononononononononoyesyesnononononononononononononono4 not at all possiblenonononononononono PakistanPAK1882041481.5233981322 female58completed primary or less5 richest 20%nononononoyesnononononononoyesnoyesnononononononononononono1 very possible2 family, relatives, or friendsnonononononoyesyesnonoyesno PakistanPAK1574206031.2488231622 female23secondary4 fourth 20%nononononoyesnononononononoyesnononononononononononononono1 very possible2 family, relatives, or friendsnonononononononono PakistanPAK1982716270.2483523462 female25secondary4 fourth 20%nononononononononononononoyesnononononononononononononono1 very possible1 savingsnononoyesyesnonononononono PakistanPAK1393135062.3081285622 female60completed primary or less4 fourth 20%nononononononononononononoyesnoyesnonononoyesnonononononono1 very possible1 savingsnonononononoyesyesnonoyesno PakistanPAK1786188530.2494158171 male48secondary5 richest 20%yesyesyesyesyesnonoyes2 three or more times per monthyes1 one or two times per month1 you get it at an atmnononononononononoyesnonoyesnono1 very possible1 savingsnonoyesyesnonoyesyesnonononononoyes PakistanPAK1855223262.1690349371 male22secondary5 richest 20%nonononononononononoyesyesnononononononononononononononono1 very possible2 family, relatives, or friendsnonoyesyesnonoyesyesnonononononono PakistanPAK1812418890.8389614911 male40secondary4 fourth 20%yesnoyesnononononononoyesyesnononononononononononoyesnoyesnono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononononononoyes PakistanPAK1295488043.4890277391 male23completed primary or less3 middle 20%nonononononononononoyesnonononononononononoyesnononononono4 not at all possiblenonononononononoyes PakistanPAK1404244763.110433911 male55completed primary or less3 middle 20%nonononononononononoyesnonononoyesnonoyesnonononononononono2 somewhat possible2 family, relatives, or friendsnonoyesyesnonononononoyesno PakistanPAK1266004220.2483523462 female45secondary5 richest 20%yesyesyesyesyesnonoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonononononononononononononono1 very possible1 savingsnononoyesyesnonoyesyesnoyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from an employer.nonoyesno PakistanPAK1976163023.4890277392 female30completed primary or less5 richest 20%nonononononononononoyesnonoyesnonononononononoyesyesnononono1 very possible1 savingsnonononononononoyes PakistanPAK1828669970.7180065292 female48secondary2 second 20%nonononononononononoyesyesyesyesnononononononononoyesnononono2 somewhat possible2 family, relatives, or friendsnoyesyesnonononoyesyesnonononononoyes PakistanPAK1756731660.7082192532 female17completed primary or less1 poorest 20%nonononononononononoyesnoyesyesnonononononononoyesyesnonoyesno2 somewhat possible3 money from working or a loan from an employernonononononononoyes PakistanPAK1517727540.2483523462 female47secondary5 richest 20%yesyesyesyesyesnonoyes1 one or two times per monthyes1 one or two times per month1 you get it at an atmnonononononononononoyesnoyesnono2 somewhat possible1 savingsnoyesyesnononoyesyesnonoyesyesnonoyesyesyesyesno1 all of the money right away3 this was your first account, and it was opened so you could receive payments from an employer.nononoyes PakistanPAK2047498490.4173913191 male34completed primary or less3 middle 20%yesyesnoyesyesnonoyes3 money is not deposited in a typical monthyes3 money is not taken out in a typical month2 you get it over the counter in a branch of your financial institutionnonoyesnononoyesnononononononono2 somewhat possible1 savingsnonononoyesnoyesnonoyesnoyesno1 all of the money right away1 you had this account before you began receiving payments from the government.yesyesnonoyesno PakistanPAK1718682880.8110841671 male36secondary3 middle 20%nonononononononononoyesnonoyesnonononononononononononoyesno3 not very possible2 family, relatives, or friendsnoyesyesnononononoyesnoyesnononoyesyesnonoyesyes PakistanPAK1253942541.6695652761 male31completed primary or less5 richest 20%nononononoyesyesyesyesyesyesyesyesyesnonononononononononononoyesno2 somewhat possible1 savingsnoyesyesnononononoyesnoyesnononoyesyesnononoyes PakistanPAK1906481242.2553094441 male61completed primary or less3 middle 20%yesyesnononoyes3 money is not deposited in a typical monthyes3 money is not taken out in a typical month2 you get it over the counter in a branch of your financial institutionnonoyesnonoyesyesnonononoyesnonoyes1 very possible1 savingsnonononoyesnoyesnononoyesyesnonoyesyes PakistanPAK1372285621.8042475551 male56completed primary or less1 poorest 20%nononononoyesnonononoyesnonoyesnononononononononononononono2 somewhat possible1 savingsnonononoyesnoyesnononoyesyesnononono PakistanPAK1558089960.6194587972 female30completed primary or less4 fourth 20%nononononoyesnoyesnononononononononononoyesnonononononoyesno2 somewhat possible2 family, relatives, or friendsnonoyesnononononononoyesyes PakistanPAK1811513483.4890277392 female17completed primary or less2 second 20%yesnoyesnononoyesnonononononononononononoyesnononoyesnononono2 somewhat possible1 savingsnonononononoyesyesnoyesyesyes PakistanPAK1861802441.0461133572 female42completed primary or less5 richest 20%nononononoyesyesnononoyesnoyesyesnononononononononononononono2 somewhat possible2 family, relatives, or friendsnonononononoyesyesnononono PakistanPAK1978398771.7884127272 female17completed primary or less2 second 20%nononononoyesnonononoyesnononononoyesnonoyesnononoyesnonoyesno2 somewhat possible2 family, relatives, or friendsyesyesnononononononononoyesyes PakistanPAK1362864541.2338900052 female53completed primary or less2 second 20%nonononononoyesnoyesnonononononononononoyesnononoyesnononono3 not very possible1 savingsnononononononoyesyes PakistanPAK1347918930.4734223621 male58completed primary or less1 poorest 20%nononononoyesyesyesyesnonononoyesnononononononononononononono3 not very possible2 family, relatives, or friendsyesnononononononononononono PakistanPAK1555460040.6331311651 male46completed primary or less2 second 20%nononononoyesyesnoyesnononoyesyesnononononononononononononono3 not very possible2 family, relatives, or friendsyesnononononoyesnononoyesnononononononono PakistanPAK1297954690.4025846911 male35completed primary or less1 poorest 20%nononononoyesyesnonononononononononononononononononononono3 not very possible2 family, relatives, or friendsyesnononononononononononono PakistanPAK1613877420.6331311651 male47completed primary or less1 poorest 20%nononononoyesyesnononoyesnoyesyesnononononononononoyesnononono2 somewhat possible2 family, relatives, or friendsyesnonononoyesyesnononononononononoyes PakistanPAK1732337410.4025846911 male37completed primary or less1 poorest 20%nononononoyesyesyesyesnononoyesyesnononononononononoyesnononono2 somewhat possible2 family, relatives, or friendsyesnonononoyesyesnonononoyesnononoyesnoyesnononononoyes PakistanPAK1214154970.8988918312 female22completed primary or less1 poorest 20%nonononononono(dk)(dk)nonononononononononononononononononono2 somewhat possible1 savingsnonononononononono PakistanPAK2077311201.7977836632 female18completed primary or less2 second 20%nononononononono(dk)nonononononononononononononononoyesnono2 somewhat possible4 a credit card or borrowing from a formal financial institutionnonononononononoyes PakistanPAK1576562300.3113523212 female25completed primary or less3 middle 20%nononononononononononononononononononononononononononono5 (dk)nonononononononono PakistanPAK1467916150.8269035662 female50completed primary or less1 poorest 20%nononononononononoyesnononononononononononononononononoyes4 not at all possiblenonononononononoyes PakistanPAK1368225420.2628986972 female35completed primary or less3 middle 20%nononononononononononononononononononononononoyesnonoyesno2 somewhat possible6 some other sourcenonononononononoyes