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”.
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).
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”).