Access Strand
For comparison purposes, the definitions of the access strand categories used in this survey are those which were used the 2008 survey:

The two categories “banked” and “other formal users” can be summed up under the category “formally included”. The persons having access to financial services provided by formal and/or informal providers are considered “financially served”.

Poverty Index
The poverty index used in this survey is based on the scorecard developed by Marc Schreiner (refer to: A simple poverty Scorecard for Pakistan, Mark Schreiner, September 2009). This scorecard was developed with the aim of providing a sharp vision of the poverty level without undertaking too costly, time consuming studies; it uses a limited number of observable indicators, which were included in the 2015 A2F questionnaire. The method consists in associating scores with poverty likelihoods. The scores range from 0 (most likely below the poverty line) to 100 (least likely below the poverty line).

Financial literacy
The Questionnaire contains several questions aimed at gauging the respondent’s level of understanding of financial institutions and services. To measure “financial literacy”, a simple method was used based on one of these questions: three financial terms were selected, one very common, one moderately common and one even less common. Depending on the knowledge of a respondent of these three financial terms (“heard and understand the meaning”, “heard but do not understand the meaning”, “never heard”), they were divided into three categories (“very literate or good financial literacy”, “limited financial literacy” and “illiterate or very limited financial literacy”).