Borrowing and Saving

Published

November 27, 2025

Financial Security

Only data from the last 12 months is used (November 2024 to October 2025) for these analyses.

Digital Divide and Infrastructure Challenges

Variables used on this page

Variables Used in the Borrowing and Saving Analysis Savings Methods and Behavior

  • sv3: Ability to save for the future over the past 30 days (Yes/No)
  • sv4: Amount saved in the past 30 days
  • sv5A-sv5V: Forms of savings (indicators for different methods)
    • Bank account (sv5A)
    • E-wallet (sv5B)-
    • Cash at home (sv5C)
    • Group savings (sv5D) I
    • nvestments/Other (sv5E/sv5V)

Borrowing Behavior

  • sv12: Applied for credit or loan in the past 30 days (Yes/No)
  • wb32: Subjective household economic class self-identification

Contextual Variables

  • quint: Household wealth quintile (from poorest to richest)
  • date: Time period of observation
  • infl: Inflation measure used to calculate real savings