Programme | FinScope

FinScope Programmes

FinScope remains the most comprehensive demand side instrument of its kind, and has to date been conducted in over 30 countries. This places FinMark Trust in a unique position to support countries in SADC, West Africa, Asia and beyond, to understand their demand-side financial inclusion landscape.

An assessment in 2015 of the FinScope product concluded that one of FinScope’s key strength is its intensive local stakeholder engagement process, which ensures local relevance and buy in. The survey’s positioning as the benchmark survey that explores financial inclusion, attitudes, behaviour and demographics comprehensively and rigorously means that it is widely accepted in countries where it is implemented, and its stability and trend-ability over time mean that that stakeholders are keen to use it to track their progress over time.

FinScope is not immune to the changes in the data ecosystem and as such needed to evolve.The new FinScope Consumer and MSME survey has been improved in the following ways:

New Measurement Frameworks

The world is changing rapidity and our measurement frameworks need to be relevant to the changes in consumer expectations and needs. To this end, the DFM team are continuously developing new measurement frameworks. Some of our newer frameworks are listed below:

  • Usage: Increasingly the focus today is on the quality and impact of access, and a broadening of the understanding of the term ‘financial inclusion’. This new module addresses various aspects of product usage and utility of the product to the consumer.
  • Needs: The needs-based approach to financial inclusion measurement follows a client-centric model recognising that consumers choose financial products and services based on their underlying needs. These needs can be grouped into four (4) main categories: meeting goals, resiliency, liquidity, and transfer of value. The needs are measured through a number of discrete use cases.
  • Livelihoods: The Livelihood approach aims to derive recommendations that allows a household to enhance its assets and capabilities by being resilient through economic shocks over time. The approach involves the identification of household livelihood and assets, nature and impact of economic shocks that creates vulnerability of households. Coupled with the understanding of financial needs of households, the livelihood approach looks to generate policy interventions that uses financial services and relevant institutional processes to address areas of financial vulnerability that households will face over a period of time.
  • Informal sector focus: The FinScope Consumer Survey is unique in aiming specifically to increase understanding of the informal financial product/service market.
  • Our data can be disaggregated by livelihoods, youth, women, rural, poor and informal segments.
  • UN Sustainable Development Goals (SDG’s) Our data is now able to give insight into some of the SDG’s from a financial inclusion perspective.

FinScope Consumer & FinScope SMME provides data:

  • for official country Financial Inclusion statistics
  • that supports governments in the development and implementation of national financial policy frameworks and strategies
  • that helps support national governments by facilitating stakeholder driven financial inclusion programmes and supporting their implementation by conducting financial inclusion diagnostics,
  • developing country roadmaps and implementation activities
  • analysis that enables policy makers and financial service providers to better understand the financial needs and behaviours of the poor to enable the provision of suitable quality financial services
  • helps governments play a catalytic role to make financial markets accessible, sustainable and inclusive by promoting and supporting policy and institutional change in the financial sector and policy arena
  • that assist governments to monitor how they contribute to the Global Goals (SDG’s) adopted by the UN
  • that assists in holding the financial industry accountable for market development
  • that is disaggregated by province, sex, age etc. so as to address changing demographics
  • that helps connect FI to the real economy
  • to assist MSMEs to be more sustainable and create employment
  • that drives the development of the market for MSMEs

FinScope Consumer Survey Zimbabwe 2011 Brochure

The Government of Zimbabwe recognises the role played by the financial sector in facilitating economic growth. In order to develop policies that will generate sustainable and inclusive growth and development, the Government requires evidence-based information on the financial sector and levels of financial inclusion. In order to achieve this goal, FinMark Trust in conjunction with […]

FinScope Consumer

FinScope Swaziland 2011 Brochure

The Government of Swaziland recognises the significant role of the financial services sector towards contributing to the overall economic and private sector growth. In addition to the conventional commercial banking institutions, the Micro-Finance Institutions (MFIs) play a significant role in extending financial services through savings and business loans to the rural un-banked population. Despite this […]

FinScope Consumer

FinScope Lesotho 2011

The Government of the Kingdom of Lesotho, through the Central Bank of Lesotho, recognises that the scope and efficiency of the financial sector play an important role in facilitating economic and private sector growth. In light of this, one of the main objectives of the government is to improve the reach and depth of financial […]

FinScope Consumer

FinScope Consumer Survey Namibia 2011 Report

The FinScope survey is a research tool developed by FinMark Trust, as a nationally representative study of individuals perceptions of financial services and issues, aiming to provide insight into how people source their income and manage their financial lives. To date, the survey has been implemented in 16 African countries, as well as in Pakistan. By design, […]

FinScope Consumer

FinScope Small business survey South Africa 2010

The FinScope Small Business Survey methodology was first piloted in South Africa in 2006. It has since been implemented as a nationally representative survey in Zambia (2008), Tanzania (2010) and South Africa (2010). The survey will also be conducted in Malawi, Zimbabwe and Mozambique in 2011. In implementing the FinScope Small Business Survey, FinMark Trust […]

FinScope MSME

FinScope small business survey 2010

The FinScope 2010 South Africa Small Business Survey is the first comprehensive publicly available nationally representative survey of small businesses in South Africa which provides baseline information on a host of areas in small businesses. Small business landscape in South Africa The study sample of 5676 represents the small business owner in South Africa who […]


FinScope South Africa 2010

The public and private partnership sees access to finance as a critical contributing pillar to accelerating growth and development in South Africa. At large, the South African government has a mandate to facilitate, promote and enhance greater access and usage of appropriate financial services and products for all South Africans, especially those currently financially excluded, […]