Online Analysis


This platform, developed by Gallup Pakistan and HORUS in collaboration with Branding Bees (, provides financial service providers, policy makers, regulators, and other development professionals the opportunity to identify problems and devise solutions for increasing financial inclusion in Pakistan through interactive data tools and visualizations. The Access to Finance 2015 team has worked over the past one year to gather data on demand for financial services at the National , Provincial , District and Sub District level across Pakistan through a survey of more than 10,000 Adult men and women.

This online data mining function will allow you to get the data collected for the headline questions in the Questionnaire used for the 2015 A2F Survey and to filter this data by main socio-economic criteria (such as gender, location, occupation, etc.). For more specific data on the patterns of use of financial services, the users' preferences, the users' opinions, etc., please, check the Questionnaire and request the tables to these specific questions using the contact function. Please, use the guide to learn how to use this online analysis tool

To contact us with comments and questions,

Select a Survey Topic


Section 1 - Penetration / Usage of Key Financial Products and Instruments

Section 1.1 Accounts and Cards

Section 1.2 Savings and Investments

Saving at Home Saving with Family, Friends or Neighbours Saving with a Committee Savings in Gold, Jewellery or other Objects Savings in Animals (Livestock) Savings by Purchasing Land Savings kept as a Stock of Agricultural Products or Agricultural Inputs Savings in Money Entrusted to Business Partners, Local Shopkeepers, Jeweller, Craftsmen, etc. Savings at Bank / Bank Savings Account / Islamic Savings Account Savings in Prize Bonds Savings in Government Saving Certificates (NIT, Defence Saving Certificate, Behbud etc.) Savings in Shares or other Financial Products Traded in the Stock Exchange Savings in a Pension in Annuity Savings in a Provident Fund Savings Invested in a Life Insurance Savings in a Postal Life Insurance Savings in an Endowment Plan / Other Savings Plan Offered by an Insurance Company Education Plan for Children Offered by an Insurance Company

Section 1.3 Borrowing

Borrowing Money from Family, Neighbours or Friends Borrowing Goods from Family or Friends for Your Activity (Agriculture or Business) Getting Goods on Credit from Shopkeeper/Wholesaler Getting Cash Advance/Cash Loan from Shopkeeper Getting Raw Materials for Your Activity (like Wood, Metal Sheets, Fabric) or Agricultural Inputs (like Seeds, Fertilizer) on Credit from Wholesaler/Retailer/Suppliers Buying Agricultural Inputs (Seeds, Fertilizers etc.) on Credit Getting Credit from Your Suppliers Chit or Parchi System to Obtain Input Supplies from Fellow Shop Keepers Borrowing from a Committee Borrowing from a Business/Market Association Borrowing from a Money Lender Peshgi (Debt Bondage for Debt Taken in Cash or in Kind) Loan or Advance on Salary from Employer Loan from an NGO / Group Loan from an NGO Loan from a Bank (Not from a Leasing Company or from an NGO or a Government Program!) to Finance Goods for My Household or Personal Goods (Including Vehicles) Loan from a Bank (Not from a Leasing Company or from an NGO or a Government Program!) to Finance Supply or Equipment for My Business or My Agricultural Activity (Including Vehicles) Hajj/Umrah Loan Islamic Loan Goods Financed by a Leasing Company (Not a Bank!) for My Household or for Myself (Like Vehicle Lease, Household Appliances, House Equipment) Goods Financed by a Leasing Company (Not a Bank) for My Activity (Vehicle Lease, Equipment Lease) Loan or Lease Received from a Microfinance Institution (for Example: Kashf Foundation, National Rural Support Programme (NRSP), BRAC) Goods Obtained on Credit from the Vendor via a Hire-Purchase or a Lease Agreement

Section 1.4 Insurances

Life Insurance from an Insurance Company Postal Life Insurance Insurance to Protect You in Case Something Happens to You: Illness, Injury, Disability Dreaded Disease / Critical Illness Insurance Medical Insurance Insurance to Insure Objects: Vehicles, House, Property, Electronic Equipment or Other Goods Insurance for Agriculture to Protect You in Case of Crop Failure, Bad Weather, Death of Livestock, etc. Insurance for Your Business to Protect You Against Business Risks Loan Insurance to Protect You in Case You Cannot Pay Back a Loan Insurance Against Accidents at Work Provided by the Company You are Working With / Group Accidental Insurance) Group Provident Fund Insurance (Purchased by an Employer for a Group of Employees) Social Security e.g. Government's Pension Scheme / Old Age Benefit (SESSI/EOBI) Islamic Insurance / Takaful Insurance by an Association or Welfare Group (An Amount of Money You will get from an Association You Belong to in Case Something Happens to You)

Section 1.5 Sending Money to Persons

Section 1.6 Making Payments (to Pay Bills of Utilities, Suppliers, Schools etc.)

Section 2 - Financial Literacy

Section 3 - Ownership of Bank Accounts ( including Mobile Wallets )

Section 3.1 Bank Account Owners

Section 3.2 Non Bank Account Owners

Section 3.3 Mobile Money Account/Wallet Owners

Section 3.4 Non-Mobile Money Account Owners

Section 4 - Budget Management and Risk Coping Strategies

Section 5 - Insurance Product

Section 6 - Savings & Investments

Section 7 - Borrowing

Section 7.1. Profiling

Section 7.2. About the Last Loan Received

Section 7.3. Loan Applications

Section 7.4. Borrowing Large Amounts

Section 7.5. Potential Future Use of Formal Sources (Asked from Non- Formal Users)

Section 7.6. Non-borrowers

Section 8 - Filter / Demographics Variables

Section 9 - Money Transfers/Remittances

Section 9.1. Profiling

Section 9.2. Sending Monies or Goods to Persons inside Pakistan

Section 9.3. Sending Monies or Goods to Persons outside Pakistan

Section 9.4. Services Used to Send Monies

Section 10 - Key Indexes of Financial Inclusion in Pakistan