Section 8 Non-Bank Financial Institutions (NBFIs)
The table below shows which institutions are considered non-bank financial institutions in each country in each year. The abbreviations in the table correspond to the suffix of the variables below; for example, POST refers to a post office bank as defined in ACCESS_POST.
| 2014 | 2015 | 2016 | 2017 | 2018 | |
|---|---|---|---|---|---|
| Bangladesh | MFI, COOP, GROUP, POST | MFI, COOP, GROUP, POST | MFI, COOP, GROUP, POST | MFI, COOP, GROUP, POST | MFI, COOP, GROUP, POST |
| India | MFI, POST, GROUP | MFI, POST, GROUP | MFI, POST, GROUP | MFI, POST, GROUP | POST, PAYMENT, COOP |
| Indonesia | BPR, COOP, PAWNSHOP, POST | BPR, COOP, PAWNSHOP, POST | BPR, COOP, PAWNSHOP, POST | PAWNSHOP, COOP, POST | |
| Kenya | MFI, COOP, SACCO, POST | MFI, COOP, SACCO, POST | MFI, COOP, SACCO, POST | MFI, COOP, SACCO, POST | |
| Nigeria | MFI, COOP | MFI, COOP | MFI, COOP | MFI, COOP |
8.1 ACCESS_NBFI
The respondent has ever used a full-service non-bank financial institution for any financial activity.
Levels:
- Yes
- No
8.2 ACCESS_NBFI_ALL
The respondent has ever used a non-bank financial institution for any financial activity.
Levels:
- Yes
- No
8.3 REGISTERED_NBFI
The respondent has an account at a full-service non-bank financial institution.
Levels:
- Yes
- No
8.4 REGISTERED_NBFI_ALL
The respondent has an account with any non-bank financial institution.
Levels:
- Yes
- No
8.5 REG_DFS_NBFI
The respondent has an account/membership at a full-service non-bank financial institution that offers digital features.
Levels:
- Yes
- No
8.6 RECENT_NBFI_USER
The respondent has an account/membership with a full-service non-bank financial institution and has used their account in the last 90 days before the survey.
Levels:
- Yes
- No
8.7 ACTIVE_NBFI_ALL
The respondent has an account/membership with any non-bank financial institution and has used their account in the last 90 days before the survey.
Levels:
- Yes
- No
8.8 ACTIVE30_NBFI
The respondent has an account/membership with any non-bank financial institution and has used their account in the last 30 days before the survey.
Levels:
- Yes
- No
8.9 INACTIVE_NBFI
The respondent has an account/membership with any non-bank financial institution and has not used their account in the last 90 days before the survey.
Levels:
- Yes
- No
8.10 DORMANT_NBFI
The respondent has an account with a full-service non-bank financial institution (NBFI) but has never used it for any financial activity.
Levels:
- Yes
- No
8.11 OTC_NBFI
The respondent does not have an account/membership with a non-bank financial institution (NBFI) but has performed a financial activity with an NBFI.
Levels:
- Yes
- No
8.12 NBFI_BASIC
The respondent has used a full-service NBFI for any basic financial activity (deposit, withdrawal, sending or receiving money, or account maintenance).
Levels:
- Yes
- No
8.13 NBFI_ALL_BASIC
The respondent has used an NBFI (including those that are not full-service) for any basic financial activity (deposit, withdrawal, sending or receiving money, or account maintenance).
Levels:
- Yes
- No
8.14 NBFI_ADV
The respondent has used a full-service NBFI for any advanced financial activity. Advanced financial activities include saving, borrowing, insurance, investment, bill payment or receiving wages or government benefits.
Levels:
- Yes
- No
8.15 NBFI_ALL_ADV
The respondent has used an NBFI (including those that are not full-service) for any advanced financial activity. Advanced financial activities include saving, borrowing, insurance, investment, bill payment or receiving wages or government benefits.
Levels:
- Yes
- No
8.16 REG_NBFI_BASIC
The respondent has an account at a full-service non-bank financial institution (REGISTERED_NBFI="Yes") and has used an NBFI for any basic financial activity (NBFI_BASIC="Yes").
Levels:
- Yes
- No
8.17 REG_NBFI_ADV
The respondent has an account at a full-service non-bank financial institution (REGISTERED_NBFI="Yes") and has used an NBFI for any basic financial activity (NBFI_ADV="Yes").
Levels:
- Yes
- No
8.18 ACTIVE_NBFI_BASIC
The respondent has an account/membership with a full-service non-bank financial institution and has used their account in the last 90 days before the survey to conduct a basic activity (deposit, withdrawal, sending or receiving money, or account maintenance).
Levels:
- Yes
- No
8.19 ACTIVE_NBFI_ADV
The respondent has an account/membership with a full-service non-bank financial institution and has used their account in the last 90 days before the survey to conduct an advanced activity (an activity other than deposit, withdrawal, sending and receiving money).
Levels:
- Yes
- No
8.20 ACTIVE30_NBFI_ADV
The respondent has a registered account/membership in their name at a full-service NBFI and has used their account in the last 30 days to conduct at least one financial service other than a deposit, withdrawal, sending or receiving money.
Levels:
- Yes
- No
8.21 NBFI_STAGE
Customer journey segmentation for NBFI users: A series of progressive stages through which individuals become more active users of more sophisticated financial services.
| Stage | Description |
|---|---|
| NBFI nonuser | Never used a NBFI |
| Unregistered NBFI user | Don’t have a NBFI account but use NBFI service |
| Inactive registered NBFI user | Have a NBFI account but have not used it in the last 90 days |
| Active NBFI basic user | Have a NBFI account and only used it in the last 90 days for basic activities: cash-in (deposit) or cash-out (withdraw), money transfer to another individual, or conducting account maintenance |
| Active NBFI advanced user | Have a NBFI account and used it in the last 90 days for advanced activities (saving, borrowing, insurance, investment, paying bills or receiving wages or government benefits) |
Levels:
- NBFI nonuser
- Unregistered NBFI user
- Inactive registered NBFI user
- Active NBFI basic user
- Active NBFI advanced user
8.22 ACCESS_MFI
The respondent has ever used a full-service microfinance institution (MFI).
Levels:
- Yes
- No
8.23 REGISTERED_MFI
The respondent has an account/membership in their name at a full-service microfinance institution.
Levels:
- Yes
- No
8.24 ACTIVE_MFI
The respondent has an account/membership at a full-service microfinance institution and has used it in the last 90 days.
Levels:
- Yes
- No
8.25 ACCESS_COOP
The respondent has ever used a full-service cooperative for any financial activity.
Levels:
- Yes
- No
8.26 REGISTERED_COOP
The respondent has an account/membership in their name at a full-service cooperative.
Levels:
- Yes
- No
8.27 ACTIVE_COOP
The respondent has an account/membership in thier name at a full-service cooperative and has used it in the last 90 days.
Levels:
- Yes
- No
8.28 ACCESS_POST
The respondent has ever used a full-service post office bank for any financial activity.
Levels:
- Yes
- No
8.29 REGISTERED_POST
The respondent has an account/membership in their name at a full-service post office bank.
Levels:
- Yes
- No
8.30 ACTIVE_POST
The respondent has an account/membership in thier name at a full-service post office bank and has used it in the last 90 days.
Levels:
- Yes
- No
8.31 ACCESS_SACCO
The respondent has ever used a full-service Savings and Credit Cooperative Organization (SACCO) for any financial activity.
Levels:
- Yes
- No
8.32 REGISTERED_SACCO
The respondent has an account/membership in their name at a full-service SACCO.
Levels:
- Yes
- No
8.33 ACTIVE_SACCO
The respondent has an account/membership in thier name at a full-service SACCO and has used it in the last 90 days.
Levels:
- Yes
- No
8.34 ACCESS_BPR
The respondent has ever used a full-service Bank Perkreditan Rakyat (BPR).
Levels:
- Yes
- No
8.35 REGISTERED_BPR
The respondent has an account/membership in their name at a full-service Bank Perkreditan Rakyat (BPR).
Levels:
- Yes
- No
8.36 ACTIVE_BPR
The respondent has an account/membership in thier name at a full-service Bank Perkreditan Rakyat (BPR) and has used it in the last 90 days.
Levels:
- Yes
- No
8.37 ACCESS_PAWNSHOP
The respondent has ever used a full-service pawnshop.
Levels:
- Yes
- No
8.38 REGISTERED_PAWNSHOP
The respondent has an account/membership in their name at a full-service pawnshop.
Levels:
- Yes
- No
8.39 ACTIVE_PAWNSHOP
The respondent has an account/membership in thier name at a full-service pawnshop and has used it in the last 90 days.
Levels:
- Yes
- No
8.40 AWARE_PAYMENT_BANK_PROVIDER
The respondent is aware of payment bank providers.
Levels:
- Yes
- No
8.41 ACCESS_PAYMENT
The respondent has ever used a full-service payment bank.
Levels:
- Yes
- No
8.42 REGISTERED_PAYMENT
The respondent has an account registered in their name or a joint account registered in their name and someone else’s at a full-service payment bank.
Levels:
- Yes
- No
8.43 ACTIVE_PAYMENT
The respondent has an account in thier name at a full-service payment bank and has used it in the last 90 days.
Levels:
- Yes
- No
8.44 ACCESS_GROUP
The respondent has ever used a full-service community savings group, such as a village savings and loan association.
Levels:
- Yes
- No
8.45 REGISTERED_GROUP
The respondent has an account with a full-service community savings group, such as a village savings and loan association.
Levels:
- Yes
- No
8.46 ACTIVE_GROUP
The respondent has a full-service community savings group account and has used it in the last 90 days, such as a village savings and loan association.
Levels:
- Yes
- No
8.47 NBFI_TRANSFER
The respondent has used their NBFI account to send money to or receive money from someone.
Levels:
- Yes
- No
8.48 NBFI_MERCHANT
The respondent has used their NBFI account to buy goods and services.
Levels:
- Yes
- No
8.49 NBFI_BILL
The respondent has used their NBFI account to pay bills.
Levels:
- Yes
- No
8.50 NBFI_GOV
The respondent has used their NBFI account to receive money from the government.
Levels:
- Yes
- No
8.51 NBFI_WAGE
The respondent has used their NBFI account to receive payment from an employer.
Levels:
- Yes
- No
8.52 NBFI_INSURANCE
The respondent has ever used their NBFI account to pay insurance or receive insurance claims.
Levels:
- Yes
- No
8.53 NBFI_SAVE
The respondent has ever used their NBFI account to save.
Levels:
- Yes
- No
8.54 NBFI_INVEST
The respondent has ever used their NBFI account to make investments.
Levels:
- Yes
- No
8.55 NBFI_LOAN
The respondent has ever used their NBFI account to take out or repay a loan.
Levels:
- Yes
- No
8.56 ACTIVE_NBFI_TRANSFER
The respondent has used their NBFI account to send money to or receive money from someone in the last 90 days.
Levels:
- Yes
- No
8.57 ACTIVE_NBFI_MERCHANT
The respondent has used their NBFI account to buy goods and service in the last 90 days.
Levels:
- Yes
- No
8.58 ACTIVE_NBFI_BILL
The respondent has used their NBFI account to pay bills in the last 90 days.
Levels:
- Yes
- No
8.59 ACTIVE_NBFI_GOV
The respondent has used their NBFI account to receive money from the government in the last 90 days.
Levels:
- Yes
- No
8.60 ACTIVE_NBFI_WAGE
The respondent has used their NBFI account to receive payment from an employer in the last 90 days.
Levels:
- Yes
- No
8.61 ACTIVE_NBFI_INSURANCE
The respondent has used their NBFI account to pay insurance or receive insurance claims in the last 90 days.
Levels:
- Yes
- No
8.62 ACTIVE_NBFI_SAVE
The respondent has used their NBFI account to save money for any reason in the last 90 days.
Levels:
- Yes
- No
8.63 ACTIVE_NBFI_INVEST
The respondent has used their NBFI account for investments in the last 90 days.
Levels:
- Yes
- No
8.64 ACTIVE_NBFI_LOAN
The respondent has used their NBFI account to take out or repay a loan in the last 90 days.
Levels:
- Yes
- No