Instruments and Methods


The questionnaire used for the 2015 A2F survey kept the structure of the 2008 questionnaire. It is organized as follows:



0. Contact details and survey administration
1. Introduction and respondent selection

Respondent Information
Interview Information
Respondent's selection instructions

2. Financial literacy

Ability to perform basic tasks with money
Knowledge/understanding of financial services

3. Accounts

Account owners
Non-Bank account owners
Mobile Account Owners
Non-mobile account owners

4. Budget management and risk coping strategies

Strategies for large expected expenses
Strategies for large unexpected expenses
Risk mitigation strategies

5. Insurance

Insurance products taken past 12 months
Non-insurance holders

6. Savings and investments

Savings past 12 months
Savings at financial institutions
Savings with committees

7. Borrowing

About the last loan received (duration >1 month)
Loan Applications
Borrowing large amounts
Borrowers from informal sources

8. Money transfers/remittances

Sending Monies or Goods inside Pakistan
Sending Monies or Goods outside Pakistan
Services Used to Send Monies
Receiving Monies or Goods

9. Payments


10. Income and expenditures


11. Communication and mobile phones

Means of receiving information
Usage of mobile phones

12. Psychographics (attitudes)


13. Demographic and household data

Includes questions to build the poverty index

14. Product penetration recapitulation

Recapitulation of use of financial services/products

Compared to the 2008 questionnaire

  • the sections about payments, budget management and risk coping strategies were enriched

  • more questions were included with the aim of attaining a better understanding of how people are using financial services and why they are using them or not using them.

A final question was added to the questionnaire to recapitulate the use of all main formal retail financial services and of all most popular informal financial services available in Pakistan. This recapitulation permitted to reduce the risk of errors in the computation of the access strand categories, which are built on the use of formal and informal financial services.

The full questionnaire is in the appendix.