Financial Literacy and Consumer Protection Survey in the Kingdom of -2013

Technical Report

1818 H Street NW, Washington, DC 20433 USA 4124A St-Catherine West, Montreal, Canada H3Z 1P4 [email protected] Tel: (514) 939-2296 [email protected]

Financial Literacy Survey and Consumer Protection in Morocco – 2013 Technical report Confidential – Do not quote without authorization Table of contents

1. INTRODUCTION ...... 2 2. OBJECTIVES OF THE SURVEY ...... 2 3. DESCRIPTION OF THE SURVEY TOOL ...... 3 3.1 Selection of the respondent ...... 3 4. SAMPLING STRUCTURE AND SAMPLING STRATEGY ...... 7 4.1 The sample frame ...... 7 4.2 Sampling design ...... 8 4.3 Stratification ...... 9 4.4 Sample allocation ...... 10 4.5 The sampling strategy ...... 14 5. TRAINING AND PILOTING ...... 17 5.1 Training ...... 17

5.2 Piloting ...... 17

5.2.1 Objectives of the pilot survey ...... 17

5.2.2 Conducting the pilot survey ...... 18

5.2.3 The majors results of the pilot survey ...... 19 6. TECHNICAL REPORT ...... 20 6.1 Non response ...... 20 6.2 Weights ...... 20

-1- Financial Literacy Survey and Consumer Protection in Morocco – 2013 Technical report Confidential – Do not quote without authorization 1. INTRODUCTION

The Financial Literacy and Consumer Protection Survey is part of the Global Program on Consumer Protection and Financial Literacy of The World Bank Group. This Program seeks to help countries achieve concrete measurable improvements in financial literacy and consumer protection. This survey is an initiative to obtain country-specific information regarding households’ prevailing levels of understanding of basic financial concepts, their patterns of budget management and their usage of financial services. This is a national representative survey that will be collected in different countries, allowing for cross-country comparisons. Étude Économique Conseil (EEC Canada), a Montreal based consulting firm, was hired to conduct the Financial Literacy and Consumer Protection Survey in Morocco, and to build comprehensive knowledge on various issues that will be utilized in analysis. EEC Canada is responsible notably for the overall management, planning, and supervision of the survey. This includes planning and monitoring the fieldwork, training of interviewers, supervision of interviewers, implementation of quality controls, validation and auditing of questionnaires, and data entry and cleaning.

2. OBJECTIVES OF THE SURVEY

The objective of this survey is to have a baseline analysis of the levels of financial literacy across the population. This baseline analysis will:  Assist authorities design appropriate interventions to increase the level of financial literacy. The baseline analysis will outline what the policy priorities are.  Help define targets that are realistic and can be monitored. The Financial Literacy and Consumer Protection Survey in Morocco is intended to be a national representative survey of a total sample of 3,000 households. With a theoretical non-response rate of 25%, the target sample was set at 4000 households. The sample was selected in a three-stage cluster sampling with probability proportional to size (PPS) selection at the first stage the EA being used as the primary sampling units and an equal-probability sampling at the second stage and the third stage. In order to achieve a target sample of 3000 households, EEC Canada covered 200 primary sampling units (PSU), selected with probability proportional to size (PPS) (number of households). In each selected PSU, a secondary sampling unit was randomly drawn and within the secondary sampling unit 20 households (out of which 5 were reserve households for replacement purpose only) were randomly drawn, of which 15 households were targeted for surveying. The survey targeted household members who were responsible for the household’s budget or their own personal spending. In order to measure financial literacy, the survey covered various subjects related to the respondent’s behavior, attitudes, motivations and knowledge with respect to financial issues. The questions of the survey span from objective information from the household such as day-to-day money management and usage of financial products, to hypothetical questions that measure the financial skills of household members.

-2- Financial Literacy Survey and Consumer Protection in Morocco – 2013 Technical report Confidential – Do not quote without authorization 3. DESCRIPTION OF THE SURVEY TOOL

3.1 Selection of the respondent

3.1 Selection of the respondent The selection of the individual respondent followed a three-step approach, as illustrated by Table 3.1: a) Firstly, a respondent who was likely the household head or any other responsible adult in the household who was knowledgeable about all other members of the household was contacted. This first respondent completed the ROSTER containing all the descriptive information about household members; b) Secondly, following eligibility criteria, a respondent from the roster was randomly selected with a special tool: the KISH table. The person selected could be different from the one who previously completed the roster. There were two criteria for identifying which household members within the roster were eligible to respond to the questionnaire: - The respondent had to be 18 or older - The respondent had either to participate in the household’s decisions about money and financial matters or in decisions about household spending OR had to be responsible of his/her own personal spending. c) Thirdly, once the respondent selected accepted to participate, he/she answered questions that classified the respondent into one of the following two categories: - The respondent was answering for himself/herself and his/her household, or - The respondent was answering only for himself/herself.

3.2 The Questionnaires 3.2.1 The Household Questionnaire The Household questionnaire contained two major parts: a) The first major part included: - A roster, in which all the information about all household members was registered, - A table (the KISH Table) which was used to randomly select the respondent and, - A last portion gathering individual information about the selected respondent in order to identify how the respondent would answer the questionnaire (both himself/herself and his/her household OR as an individual only). At the end of this first part, the respondent was selected and should be ready to answer the rest of the questionnaire. b) The second major part, as illustrated by Table 3.2, includes all the questions of the Financial Literacy Survey distributed among six sections B, C, D, E, F and G Section B: Money Management, Section C: Financial Planning, Section D: Financial Services and Products Details,

-3- Financial Literacy Survey and Consumer Protection in Morocco – 2013 Technical report Confidential – Do not quote without authorization Section E: Financial Literacy, Section F: Household Income Estimation, Section G: Concluding Questions: this last section included a set of questions answered exclusively by the enumerator, in order to verify logical consistency between some questions. Sections B and C were answered by the respondent according to the type of the respondent as classified by Section A (answering for both himself/herself and his/her household OR answering as an individual only). For sections D, E, F and G, the respondent answered according to what was mentioned in the question (for the respondent only OR for himself/herself and his/her household). 3.2.2 The Community Fact Questionnaire The community fact questionnaire contained at set of questions that gathered socio– economic information about the EAs that were visited in the course of the survey. In each visited EA, a knowledgeable person who lived in the enumeration area was asked to complete the questionnaire. This person could be the leader or legal representative of the authorities in the selected EA. 3.2.3 The Interviewer Questionnaire The interviewer questionnaire collected characteristics of all enumerators participating in the project. This questionnaire was self-administered by enumerators.

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TABLE 3.1 - LOGICAL PATH TO SELECT A RESPONDENT AND IDENTIFY THE TYPE OF RESPONDENT

Steps Section Part Type of respondent (Who Objectives Comments is answering the questions in the section)

To gather information on the Information is recorded in the household roster (Questions R1 to type of household the R12) A responsible adult in the respondent lives in household (the household head, Household his or her spouse or another To determine which Two eligibility criteria: 1 R Information adult in the household who is household members are − 18 years of age and older knowledgeable about all other eligible to be respondent for − members of the households) the survey Participation in household decisions about money and financial matters or for household spending OR Responsible of his/her own personal spending.

2 R Selection of Respondent who provided To select at random the At the end of this process, one respondent is selected for the the information for the roster respondent with the KISH rest of the interview. (Questions R13 to R14). respondent (Table R), i.e the responsible Table adult who has answered the If this respondent cannot participate in the interview, a previous part second respondent must be selected in the household with the KISH table.

To gather information directly Information is recorded in questions A1, A2 and A3 from the respondent about his/her role in the household and own personal spending Respondent selected with the To identify for whom the From the information given, two categories of respondents will KISH Table respondent will answer the be distinguished: General rest of the questionnaire − Respondent answering for himself/herself AND his/her 3 A Information household − Respondent answering as an individual only

To select another respondent If the first respondent selected with the KISH Table has no if the respondent already role in the household and own personal spending, a second selected is not responsible for respondent must be selected in the household with the household spending or for his KISH table. The interviewer must return to Step 2. / her own personal spending At the end of these three steps, one respondent will have been selected and will answer the rest of the questions in the questionnaire. For sections B and C, the respondent will answer − either on behalf of the household and himself/herself, − either on his/her personal behalf For sections D, E, F, G, the respondent will answer according to what is mentioned in the question.

-5- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization TABLE 3.2 - CONTENT OF THE QUESTIONNAIRE AND LOGICAL PATH FOR CONDUCTING THE INTERVIEW

Steps Section Part Type of respondent (Who is Objectives answering the questions in the section)

Respondent as identified by To understand how people manage their day-to day money Money section A (planning spending, spending on food and necessary items, 1 B Management keeping track of spending, borrowing, general money − Respondent answering for management) himself/herself AND his/her household 2 C Financial To understand whether people plan for future expenditures planning OR (known expenditures, unexpected expenditures or − Respondent answering as emergencies, old age, for their children) an individual only

To understand how people choose financial products, Financial whether they check the features, terms and conditions 3 D Services and before buying financial products, whether they look for Product Details information before buying products and whether they seek advice or information before making financial decisions.

To capture underlying motivations that influence the way Financial 4 E people behave with money and financial issues and with life Literacy in general. Respondent as identified by section A but answering Household To obtain information on the variations in income that the according to what is 5 F Income individual respondent and his/her household faces. mentioned in the question Estimation

To understand − whether the respondent seeks information or advice Concluding before making decisions and, 6 G Questions − if the respondent would like to have more information about general aspects of money management and if so, what type of information.

-6- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization 4. SAMPLING STRUCTURE AND SAMPLING STRATEGY

The Financial Literacy and Consumer Protection Survey in Morocco covered all administrative regions / provinces and targeted a nationally representative sample of 3,000 households. With a theoretical non-response rate of 25%, the target sample was set at 4,000 households. The sample design was based on a three-level probability sample scheme using standard techniques. In the sampling structure, and stratification, this Financial Literacy Survey in Morocco sought an appropriate balance between the scope of coverage (the urban, rural and type of housing strata, the states), and the meaningfulness of the sample size of each sub-group, within budget and time. The sampling strategy and methodology was established by the World Bank and was implemented by EEC Canada in collaboration with the NSO of Morocco. 4.1 The sample frame

The sampling frame for the Financial Literacy and Consumer Protection Survey was based on the definitive results from the 2004 Morocco Census of Population and Housing. These definitive Households figures by region and area of residence are presented in Table 1. Table 1: Definitive 2004 Morocco Census Results for Total number of Households by Region and area of residence

Données du RGPH 2004

Régions Urbain Rural Total Oued Ed Dahab-Lagouira 14,399 2,777 17,176 Laayoune-Boujdour-Sakia El Hamra 50,139 2,867 53,006 Guélmim-Es Semara 55,162 26,839 82,001 Souss-Massa-Draâ 264,378 304,768 569,146 Gharb-Cherarda-Béni Hssen 158,747 166,709 325,456 -Ouardigha 148,041 150,210 298,251 Marrakech-Tensift-Al Haouz 249,670 316,213 565,883 239,899 128,550 368,449 Grand- 698,883 63,359 762,242 -Salé-Zemmour-Zaér 416,848 81,220 498,068 Doukala-Abda 147,658 208,438 356,096 Tadla- 110,053 149,144 259,197 Méknès-Tafilalet 254,963 156,485 411,448 Fès-Boulemane 234,175 74,031 308,206 Taza-Al Hoceima-Taounate 86,166 220,638 306,804 Tanger-Tétouan 310,574 173,261 483,835 Total 3,439,755 2,225,509 5,665,264

-7- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization

4.2 Sampling design

The NSO of Morocco had developed a master sampling frame that contained relevant locational and sampling information, which facilitated the implementation of survey. The primary sampling units had the following characteristics allowing their use in the current survey:

- They were defined unambiguously and provided clear boundaries to easily identify them in the field;

- Their probability of selection was known and their stratification characteristics as well;

- They were large enough to ensure a degree of heterogeneity with regard to the characteristics observed in the surveys;

- They were large enough to allow the conduct of various surveys on different samples while avoiding household ”survey fatigue”.

For the implementation of 2004 Morocco Census of Population and Housing, the national territory was divided into 37 113 census districts (DR), (23,903 in urban areas and 13,210 in rural areas). These census districts (DR) meet certain conditions required for primary units. Indeed, they are well-defined areas, with clear boundaries and have the statistical information needed to calculate the probability of draw. However, they are small enough to be taken as primary units. Their sizes also vary significantly (about 160 households, on average).

Consequently, primary sampling units were built by combining four to five contiguous enumerations districts. In other words, a primary unit is thus defined as a geographical area with an average size of 600 households and characterized by clear boundaries for its field location.

A stratified three-stage sample design was used for the Financial Literacy and Consumer Protection Survey. The primary sampling units (PSUs) to be selected at the first stage were the PSUs delineated after the 2004 Morocco Census.

The NSO provided a list of drawn PSUs and their probability of selection. But due to the large size of the PSUs, and in order to achieve the survey within the time frame and the budget allocated for the survey a secondary sampling unit (EA) was equally drawn within the PSU. The EAs were defined to have an average of about 100 households each. The secondary unit were also defined to match two contiguous secondary sampling units generally used by the NSO.

Following the second stage selection of EAs, a household listing was conducted in the sample EAs.

A sample of households was then selected from the listing at the third stage.

The number of households in each EA was used as the measure of size for selecting the sample PSUs with probability proportional to size (PPS) within each stratum.

At the fourth stage, an eligible respondent was randomly selected with equal probability in the household using the Kish table.

-8- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization Table 2 shows the distribution of the Total Number of Households in the definitive Sampling Frame from the 2004 Morocco Census by Province, Urban and Rural Strata, with Corresponding Percent of Urban Households from 1997 Morocco Table 2: Distribution of the Primary sampling Unit in the Master Sampling Frame from the 2004 Morocco Census by Province, Urban and Rural areas

Milieu de résidence Région Urbain Rural National 1-OUED EDDAHAHAB LAGOUIRA 5 1 6 17 1 18 2. LAAYOUNE BOUJDOUR 3. GUELMIM ES SEMARA 19 8 27 4 . SOUSS MASSA DARAA 86 100 186 5. GHARB CHRARDA BNI HSEIN 52 54 106 6. CHAOUIA OURDIGHA 48 48 96 7. MARRAKECH TENSIFT AL HAOUZ 81 103 184 8. ORIENTAL 78 41 119 9. CASABLANCA 228 21 249 10. RABAT SALE ZEMMOUR ZAER 136 26 162 11. DOUKALA ABDA 48 68 116 12. TADLA AZILAL 36 49 85 13. TAFILALET 83 51 134 14 .FES BOULEMANE 77 24 101 15 TAZA AL HOCEIMA TAOUNATE 28 72 100 16. TANGER TETOUAN 102 57 159 TOTAL 1124 724 1848

4.3 Stratification

The sample was stratified: by region urban and rural areas and type of housing. The results of the Financial Literacy and Consumer Protection Survey could be tabulated at the provincial level, the national level and urban and rural. The housing type is defined by the following categories 1- Luxurious: This is an area where luxurious accommodation with large gardens, are there rule and, where there is no significant or material industrial activities. Few traders settled in these neighbourhoods, rents are very high. Households with very high standards of living generally inhabit these areas. 2- Old medina: This is the part of town where the different aspects of traditional life dominated (consumption and type of clothing are Moroccan type) and where urbanization is old. It is characterized by the existence of a multitude of craft activities.

-9- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization 3- Social and economical type of housing: Middle class type of housing. This layer includes areas that are localized and small villas that are characterized by the absence of industrial activity and the existence of a small number of traders as well as areas They also include the cities often substituted for former slums 4- Precarious and clandestine: This is an area where sanitary living conditions may be lacking: lack of water, electricity, sewage, but often times housing and buildings are implemented without the full official authorizations required. The buildings are very basic and the streets are often very narrow.

4.4 Sample allocation

A target of 220 PSUs was allocated proportionally across each target region in order to have a representative sample. Adjustments to the proportional distribution were made when reasonable comparison could not be achieved between stratum. Table 4.4.1: Proposed sample allocation of EAs by Region, Urban and Rural Strata Données du RGPH 2004 Allocation ajustée des UP par régions Régions Urbain Rural Total Oued Ed Dahab-Lagouira 101 Laayoune-Boujdour-Sakia El Hamra 101 Guélmim-Es Semara 213 Souss-Massa-Draâ 10 12 22 Gharb-Cherarda-Béni Hssen 6612 Chaouia-Ouardigha 6612 Marrakech-Tensift-Al Haouz 10 12 22 Oriental 9514 Grand-Casablanca 27 2 29 Rabat-Salé-Zemmour-Zaér 16 3 19 Doukala-Abda 6814 Tadla-Azilal 5611 Méknès-Tafilalet 10 6 16 Fès-Boulemane 9312 Taza-Al Hoceima-Taounate 4913 Tanger-Tétouan 12 7 19 Total 134 86 220

-10- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization Table 4.4.2: 2004 Morocco Census Results for Total number of Households by type of Housing and Region in the urban areas

Strates (Type d'habitat) Habitat Habitat Habitat Régions Anciennes sommaire luxe ou économique Total médinas ou moderne ou social clandestin Oued Ed Dahab-Lagouira 555 0 1,603 648 2,806 Laayoune-Boujdour-Sakia El Hamra 5,050 664 5,247 0 10,961 Guélmim-Es Semara 1,193 672 7,458 2,504 11,827 Souss-Massa-Draâ 757 2,413 32,058 16,516 51,744 Gharb-Cherarda-Béni Hssen 6,039 0 16,433 7,225 29,697 Chaouia-Ouardigha 4,729 0 20,808 3,976 29,513 Marrakech-Tensift-Al Haouz 9,672 9,575 21,238 10,749 51,234 Oriental 14,691 1,302 20,659 12,996 49,648 Grand-Casablanca 24,630 5,257 94,759 19,641 144,287 Rabat-Salé-Zemmour-Zaér 12,888 2,889 50,190 15,417 81,384 Doukala-Abda 7,209 4,149 16,190 2,966 30,514 Tadla-Azilal 1,740 2,551 11,562 6,047 21,900 Méknès-Tafilalet 5,137 1,819 37,460 7,613 52,029 Fès-Boulemane 10,433 6,250 24,639 7,392 48,714 Taza-Al Hoceima-Taounate 1,295 706 11,655 4,129 17,785 Tanger-Tétouan 21,699 5,141 20,813 19,090 66,743 Total 127,717 43,388 392,772 136,909 700,786

-11- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization

Table 4.4.3: Proposed sample allocation of EAs by type of Housing in the urban area

Strates (Type d'habitat) Habitat Habitat Habitat Régions Anciennes sommaire luxe ou économique Total médinas ou moderne ou social clandestin Oued Ed Dahab-Lagouira 0 0 1 0 1 Laayoune-Boujdour-Sakia El Hamra 1 0 0 0 1 Guélmim-Es Semara 0 0 1 1 2 Souss-Massa-Draâ 0 1 6 3 10 Gharb-Cherarda-Béni Hssen 1 0 3 2 6 Chaouia-Ouardigha 1 0 4 1 6 Marrakech-Tensift-Al Haouz 2 2 4 2 10 Oriental 30429 Grand-Casablanca 4 1 18 4 27 Rabat-Salé-Zemmour-Zaér 2 1 10 3 16 Doukala-Abda 1 1 3 1 6 Tadla-Azilal 01315 Méknès-Tafilalet 1 1 6 2 10 Fès-Boulemane 2 1 5 1 9 Taza-Al Hoceima-Taounate 0 0 3 1 4 Tanger-Tétouan 4 1 4 3 12 Total 22107527134

-12- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization Table 4.4.4: Proposed sample allocation of EAs by province in the rural area

Nombre de Nombre de ménages Régions Provinces (Libellés) ménages échantillon par provinces Guélmim-Es Semara Assa-Zag 1,081 0 Guélmim-Es Semara Es-Semara 2,233 0 Guélmim-Es Semara Guelmim 9,222 1 Guélmim-Es Semara Tan-Tan 587 0 Guélmim-Es Semara Tata 13,716 1 Total_Région 26,839 2 Souss-Massa-Draâ -Ida Ou Tanane 18,236 1 Souss-Massa-Draâ Chtouka- 52,389 2 Souss-Massa-Draâ -Ait Melloul 6,273 0 Souss-Massa-Draâ Ouarzazate 50,663 2 Souss-Massa-Draâ Taroudannt 100,333 4 Souss-Massa-Draâ 49,625 1 Souss-Massa-Draâ Zagora 27,249 1 Total_Région 304,768 11 Gharb-Cherarda-Béni Hssen Kenitra 87,761 3 Gharb-Cherarda-Béni Hssen Sidi Kacem 78,948 3 Total_Région 166,709 6 Chaouia-Ouardigha 22,175 1 Chaouia-Ouardigha 28,901 1 Chaouia-Ouardigha 99,134 4 Total_Région 150,210 6 Marrakech-Tensift-Al Haouz Al Haouz 72,036 2 Marrakech-Tensift-Al Haouz Chichaoua 52,076 2 Marrakech-Tensift-Al Haouz El Kelƒa Des Sraghna 88,584 4 Marrakech-Tensift-Al Haouz Essaouira 63,292 2 Marrakech-Tensift-Al Haouz Marrakech 40,225 2 Total_Région 316,213 12 Oriental 21,579 1 Oriental 11,590 1 Oriental 6,361 0 Oriental 64,613 2 Oriental Ouajda-Angad 11,420 1 Oriental Taourirt 12,976 0 Total_Région 128,539 5 Grand-Casablanca Casablanca 0 0 Grand-Casablanca Mediouna 9,542 1 Grand-Casablanca 15,818 0 Grand-Casablanca 37,999 1 Total_Région 63,359 2 Rabat-Salé-Zemmour-Zaér Khemisset 55,451 3 Rabat-Salé-Zemmour-Zaér Rabat 0 0 Rabat-Salé-Zemmour-Zaér Sale 8,587 0 Rabat-Salé-Zemmour-Zaér Skhirate-Temara 17,182 0 Total_Région 81,220 3 Doukala-Abda El-Jadida 134,553 6 Doukala-Abda Safi 73,885 2 Total_Région 208,438 8 Tadla-Azilal Azilal 65,526 3 Tadla-Azilal 83,618 3 Total_Région 149,144 6 Méknès-Tafilalet Meknes 24,613 1 Méknès-Tafilalet El Hajeb 21,896 1 Méknès-Tafilalet Errachidia 53,866 2 Méknès-Tafilalet Ifrane 12,811 0 Méknès-Tafilalet 43,299 2 Total_Région 156,485 6 Fès-Boulemane Boulemane 21,995 1 Fès-Boulemane Fes 3,795 0 Fès-Boulemane Sefrou 25,662 1 Fès-Boulemane Moulay Yacoub 22,579 1 Total_Région 74,031 3 Taza-Al Hoceima-Taounate Al Hoceima 43,218 2 Taza-Al Hoceima-Taounate Taounate 100,128 4 Taza-Al Hoceima-Taounate Taza 77,249 3 Total_Région 220,595 9 Tanger-Tétouan Chefchaouen 74,142 2 Tanger-Tétouan Fahs-Anjra 18,689 1 Tanger-Tétouan Larache 43,096 2 Tanger-Tétouan Tanger-Assilah 10,958 0 Tanger-Tétouan Tetouan 26,376 2 Total_Région 173,261 7 Total Rural national 2,219,811 86 -13- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization

4.5 The sampling strategy

The same sampling strategy was the same in both strata. 4.2.1 Selection of the primary sampling units A sample of 220 PSUs and 220 SSUs (secondary sampling units) were drawn in a three-stage cluster sampling with probability proportional to size (PPS) selection at the first stage, the PSUs being used as the primary sampling units and the size being determined by the number of households. However, EEC finally visited only 200 PSUs and 200 SSUs. The list of selected PSUs including the probability for the selection and their size in terms of number of households was provided by the NSO.

Table 4.5.1: Final Sample allocation of EAs in the urban areas by housing type and corresponding number of households Strates (Type d'habitat) Strates (Type d'habitat) Habitat Habitat Habitat Habitat Habitat Habitat Régions Anciennes sommaire Anciennes sommaire luxe ou économique Total luxe ou économique Total médinas ou médinas ou moderne ou social moderne ou social clandestin clandestin Oued Ed Dahab-Lagouira00 101 0 015015 Laayoune-Boujdour-Sakia El Hamra 1 0 0 0 1 15 0 0 0 15 Guélmim-Es Semara 0 0 1 1 2 0 0 15 15 30 Souss-Massa-Draâ 0 1 5 3 9 0 15 75 45 135 Gharb-Cherarda-Béni Hssen 1 0 2 2 5 15 0 30 30 75 Chaouia-Ouardigha 1 0 3 1 5 15 0 45 15 75 Marrakech-Tensift-Al Haouz 2 2 3 2 9 30 30 45 30 135 Oriental 30 3284504530120 Grand-Casablanca 3 1 17 3 24 45 15 255 45 360 Rabat-Salé-Zemmour-Zaér 2 1 8 3 14 30 15 120 45 210 Doukala-Abda 1 1 2 1 5 15 15 30 15 75 Tadla-Azilal 0 1 3 1 5 0 15 45 15 75 Méknès-Tafilalet 0 1 6 2 9 0 15 90 30 135 Fès-Boulemane 2 1 4 1 8 30 15 60 15 120 Taza-Al Hoceima-Taounate 0 0 2 1 3 0 0 30 15 45 Tanger-Tétouan 3 1 4 3 11 45 15 60 45 165 Total 19 10 64 26 119 285 150 960 390 1,785

-14- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization Table 4.5.2: Final Sample allocation of EAs in the rural areas by province and corresponding number of households

Régions Province NB of PSUs NB. Of HHs Guélmim-Es Semara 1 15 Guélmim- Es Semara TATA 1 15 GUELMIM 0 0 Souss-Massa-Draâ 11 165

AGADIR IDA OU TAN 115 CHTOUKA AIT BAHA 2 30 Souss- Massa-Draâ OUARZAZATE 2 30 TAROUDANNT 4 60 TIZNIT 1 15

ZAGORA 1 15 Gharb- Gharb-Cherarda-Béni 690 Cherarda- KÉNITRA 3 45 Béni Hssen SIDI KACEM 3 45 Chaouia-Ouardigha 6 90 Chaouia- BENSLIMANE 1 15 Ouardigha KHOURIBGA 1 15 SETTAT 4 60

Marrakech-Tensift-Al 11 165 Marrakech- CHICHAOUA 2 30 Tensift-Al AL HAOUZ 2 30 Haouz EL KELAA DES SRAG 345 ESSAOUIRA 2 30 MARRAKECH 2 30 Oriental 5 75 BERKANE 1 15 Oriental FIGUIG 1 15 NADOR 2 30

OUJDA-ANGAD 1 15 Grand-Casablanca 2 30 Grand- Casablanca MÉDIOUNA 1 15 NOUACEUR 1 15 Rabat-Salé- Rabat-Salé-Zemmour 345 Zemmour- Zaér KHÉMISSET 3 45 Doukala-Abda 8 120 Doukala- Abda 6 90 SAFI 2 30 Tadla-Azilal 5 75 Tadla-Azilal AZILAL 2 30 BÉNI MELLAL 3 45 Méknès-Tafilalet 6 90 EL HAJEB 1 15 Méknès- Tafilalet ERRACHIDIA 2 30 KHÉNIFRA 2 30 MÉKNÈS 1 15 Fès-Boulemane 3 45 Fès- BOULEMANE 1 15 Boulemane MOULAY YACOUB 1 15 SEFROU 1 15 Taza-Al Hoceima-Tao 8 120 Taza-Al AL HOCEIMA 1 15 Hoceima- Taounate TAOUNATE 4 60 TAZA 3 45 Tanger-Tétouan 6 90 CHEFCHAOUEN 2 30 Tanger- Tétouan LARACHE 1 15 TETOUAN 2 30 FAHS ANJRA 1 15 Grand Total 81 1215 -15- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization

4.2.2 Selection of households After discussion with the NSO, it was not possible to obtain the list of households (or other type of information useful to identify the households: address, exact location, GPS coordinates…). Therefore, the sampling strategy for households was based on new listing of households that was implemented in all the sampled EAs for selecting the households at the third stage. The maps of PSUs were obtained and distributed to the listing staff, and they completely covered all the households within the EA boundaries. Once the listing was completed 20 households were randomly drawn of which 5 for replacement purposes. Enumerators approached households starting with the 15 first randomly selected households and then targeted replacement households only with the permission of survey country manager/coordinators with regard to each selected EA. By the end of the survey, 15 households were interviewed in each EA and a sample of 3 000 households was surveyed (refer to Table 4.2). Table 4.5.3. Total sample and distribution Urban/Rural Total Urban Rural Total sample with replacement 4,000 2380 1620 Number of households to select per EA (15 +5) 20 20 20 Total number of EAs selected (PPS sampling) 200 119 81 Targeted sample per EA (number of households to be interviewed) 15 15 15

-16- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization

5. TRAINING AND PILOTING

5.1 Training

EEC delivered a series of comprehensive training sessions to a team of 60 national professionals; ensuring that group coordinators, supervisors and enumerators were extensively familiar with household selection techniques and questionnaire administration.

The components for training included:

 An interview guide, presenting the universe targeted by the survey, the general principles of efficient interviewing in the context of the survey and the basic enumeration issues regarding the filling and verification of the questionnaires;  A training questionnaire (comprising explanatory comments added to the survey questionnaire) was designed in order to provide a thorough understanding of the topics covered by the Financial Literacy and Consumer Protection Survey. All questions were reviewed. Enumerators were also trained through mock as well as live household interviews. Filled questionnaires were also revised individually with each person to ensure the proper application of skips, internal consistency and thoroughness. Each training session, lasted a full five working days. The first training was conducted between the may 30 and 6 of June 2013, and the training was completed 21 June 2013. .

5.2 Piloting

5.2.1 Objectives of the pilot survey

Following a thorough training of supervisors and enumerators in Casablanca and Rabat by EEC Canada staff, a pilot survey was conducted on 60 households. Careful attention was made to ensure that the households surveyed for the pilot included low-income and medium/high-income households for greater representation. As is standard in the context of household surveys, the pre-test or pilot aimed at identifying if any of the following needed to be introduced: • Any changes in the questionnaires; • Any modifications in the training / instructions material to enumerators; • Any modifications to the data-entry and data-control procedures in order to address country-specific issues; • Any changes to the survey plan (based on duration of interview and/or quality of enumerators, or any other factors); • Any adaptation of the sampling technique; • Or any other changes to improve the delivery of the survey in general. The pilot was formally carried out in and around Rabat from June 10th to June 24th inclusively and was an integral part of the training activities scheduled for EEC Canada’s national enumerators in Morocco, all of whom were asked to provide feedback on the duration of the interview in general, as well as on the difficulties encountered in securing participation.

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5.2.2 Conducting the pilot survey

The pilot was formally carried out in and around Rabat from June 10th to June 24th inclusively. It was carried out with 60 respondents to determine if any changes should be introduced to the formulation of any question, their order or the overall length of the questionnaire. In addition to testing the questionnaires, the survey execution procedures, and the various data entry techniques, including CS Pro and CAPI, many of the operational aspects of the survey, such as survey length, time of day availability and willingness to cooperate on the part of the households were also tested and validated during the pilot. For instance, households were approached at different times of the day to test how respondents reacted to answering numerous questions and undertaking literacy tests under the pressure of daily activities in and around their home. As well, supervisors tested enumerators’ ability to administer the survey under such circumstances. The approach used was fairly straightforward. Respondents were asked to participate in the pre- test and agreed to provide their time to answer all questions and complete all tests that were asked of them. At the onset of the interview, the purpose of the survey was explained and the interview began. Some interviews were conducted with more than one enumerator/supervisor present. It was then agreed that only 1 person would ask questions while the others would take note of answers as well as other remarks of the respondent. Some interviews were broken in 2 or more parts, a rotation plan allowed all enumerators to ask questions, but 1 enumerator was formally designated as ‘in charge of the interview’, and it is that enumerator who has been identified in the data-entry form. Those acting as supervisors intervened very exceptionally during the interview, only when it was obvious that clarifications were required, their comments were relayed to enumerators after the completion of the interview. After the interviews were conducted, debriefing meetings took place in the evenings. In addition, the questionnaires were collected after the completion of data-entry by enumerators (via CS Pro and CAPI). From there, the data-entry programs as well as quality control routines were implemented. This phase generated in some instances the need to return for clarifications or additional explanations from respondents, or enumerators and supervisors. Enumerators were exposed to EEC Canada’s approach of having a fairly short turnaround time between interviews and returns to respondents. They were also shown how this could be done efficiently, without annoying respondents, and rather how the collaboration of respondents increased with requests for clarification as very short additional visits demonstrated interest on behalf of the surveying team – and hence illustrated the importance of the information provided by respondents.

-18- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization 5.2.3 The majors results of the pilot survey

i) With respect to the interview process In general, respondents clearly grasped the purpose of the survey and felt positively towards its objectives. However, when the enumerators informed them about the time it would take to answer all of the questions on the questionnaire, and that it was likely that someone else from the household would be asked to take over the interview process to complete it, there was some reluctance to proceed. During the training provided by EEC Canada, enumerators were instructed to listen very carefully to the reasons respondents provided for not wanting to participate so as to be able to provide an appropriate response. Often, it was a matter of giving the respondent advance warning for a visit and finding a more appropriate time and day. In the final analysis, patience, politeness and goodwill managed to convince 60 potential respondents (out of 85) to proceed with the questionnaire. The refusal ratio observed was higher than expected. In general, reticence was felt in ‘richer’ sections of the city. There was also generally a difficulty with single gender teams of enumeration: clearly having men and women available for the interview on EEC’s side, simplified access to the households, and later to the individual selected through the Kish table. This impacted the composition of the groups of interviewers during the implementation phase. In less wealthy settings, enumerating teams felt that coming in empty handed was rude and created discomfort, as respondents felt the urge to offer themselves refreshments and the like out of courtesy, and sometimes this was well beyond the means of respondents. EEC implemented a strategy of post- interviews compensation in the shape of non-monetary gift that was discussed and agreed upon with the Bank.

ii) With respect to the questions asked The bulk of the survey questions were well understood. The French vocabulary used throughout the questionnaire was generally well understood and fairly common.

iii) With respect to the Questionnaire

Some questions had to be reworded or rendered clearer after the pilot. The survey tools were adapted accordingly.

iv) Results in terms of the training material As a consequence of the pilot and in light of the clarifications required by some of the questions, questionnaires, training questionnaires were adjusted and the instructions to enumerators were clarified.

v) Results in terms of the data-entry and quality control routines As a consequence of the pilot and in light of the clarifications required by some of the questions, some data-entry issues were also clarified.

vi) Results in terms of the survey plan There was no need to modify the execution plan as a result of the pilot.

-19- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization

6. TECHNICAL REPORT

6.1 Non response

The Financial Literacy Survey, along with all other surveys, suffers from both survey non- response and item non-response. The former refers to refusals to participate in the survey altogether (or a selected household that could not be found/dwelling vacant) whereas the latter refers to the refusals to answer some specific questions. Different strategies were used to address these issues and extensive efforts were made to complete interviews with first 15 selected households in each EA In urban areas, five attempts to reach a household were made before proceeding with a replacement. In rural areas, three attempts to reach a household were made before a replacement; in extremely remote areas, 2 attempts were made before proceeding with a replacement. In order to minimize the number of attempts, enumerating teams contacted and used the help of the local authorities and social workers in each EA selected. However, the total non-response rate was less than 14.9% of the total target households. Refusal figures are presented in the tables 7.2, 7.3, 7.4 and 7.5. The partial non-response codes are described in the following table. The list of variables with partial non-response is presented in appendix A Table 7.1 Partial non-response codes and description

Codes Description When the question is clearly not applicable to the particular -44 Automatic skip situation of the establishment in a manner consistent and reflecting the skip patterns of the questionnaires -8 Do not know When the question is clearly not applicable to the particular -7 Not applicable situation of the establishment, -9 Refused to answer

6.2 Weights

6.2.1 Design and adjusted weights Since the sampling design was stratified and employed differential sampling of the strata, individual observations should be properly weighted when making inferences about the population. The initial sample was drawn according to the existing figures of the number of households per PSUs and a theoretical sample size in the SSUs (EAs). However, during the survey operations, a general count of the households in the selected EAs before drawing the households to be interviewed led to different figures. In consequence, the initial probability of selection of a household was changed and the weights were computed accordingly. Furthermore, specific information (e.g. income, size of the household, type of dwelling etc.) from households who refused to participate in the financial literacy survey in Morocco is unknown.

-20- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization The list of EAs, the initial number of households and the estimated number of households in each EAs, the final sample size, as well as participation figures and weights are presented in the following tables. The followings paragraphs describe the process to compute the design weights.

The sample was selected in a three-stage cluster sampling with probability proportional to size (PPS) selection at the first stage, the SSUs (EAs) being used as the secondary sampling units and the size being determined by the number of households. For multi-stage designs, the base weights must reflect the probabilities of selection at each stage. The design weights are computed according to the following procedure:

The ith PSU is selected with probability p at the first stage, the jth SSU is selected with i th probability pj at the second stage and the k household is selected within a sampled SSU with probability pk(ij) at the third stage, then the overall probability of selection (pijk) of each household * in the sample is given by the product of these two probabilities, or pijk= pi * pj(i) pk(ii)and the overall base weight of the household is obtained by taking the inverse of its overall probability of th selection. Correspondingly, if the base weight for the k household is wijk,b the weight attributable to compensation for non-response is wijk,nr, then the overall weight of the household is given by: wijk = wijk,b * wijk,nr

In Morocco, initially at the first stage, 220 PSUs were selected in rural and urban areas. During the course of the survey only 200 PSUs were visited to complete interview. Some PSUs were randomly selected as replacements. The following steps describe the process to compute the design weights. As an example, take the case of households living in the ‘‘ EA 1: HAY-HASSANI’’ Commune: HAY-HASSANI: Casablanca i) Computation of the probability of selection of the PSU. EA 1 is in Casablanca and in the type of housing 1. ii) The NSO has provided the selection probability of all primary sampling units. iii) The probability of selection for PSU that contains this given EA is

P(1)’’ EA 1: HAY-HASSANI’’ = 0.0288 iv) Computation of the probability of selection of the SSU (EA). The PSU that contain this EA has 587 Household and therefore could be divided into 6 SSUs. v) The probability to draw a SSU in this unit is P(2) =100/587= 0.170 vi) The selected ‘‘EA 1: HAY-HASSANI’’ contains a theoretical size of 100 households vii) At the third stage a theoretical sample of 15 households were to be drawn in each selected EA with a theoretical probability of P (3)= 15/100 =0.150. viii) The overall probability of selecting a household in the ‘‘’ EA 1: HAY-HASSANI’’ is computed by multiplying P(1)’’’ EA 1: HAY-HASSANI’’ * P(2)’’’ EA 1: HAY-HASSANI’’ * P(3)’’’ EA 1: HAY- HASSANI’’ =0.0288*.170*0.150= 0.00074 The Initial design weight is Initial Design_weight =1/0.00074= 1360

-21- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization

Adjusted design weight:

ix) During the field operations, out of the 220 EAs, only 200 EAS were visited corresponding to an adjustment factor of 220/200=1.1 x) A listing operation was conducted in each selected PSU and household’s figures were consequently updated Thus, in the ‘‘’ EA 1: HAY-HASSANI’’, 105 households were listed during the survey operations and 15 households completed the survey xi) The probability of selection of a household at the second stage P(2)’’ EA 1: HAY-HASSANI’’ is 15/105=0.1429 xii) The overall probability of selecting a household in the ‘‘’ EA 1: HAY-HASSANI’’ is computed by multiplying P(1)’’’ EA 1: HAY-HASSANI’’ * P(2)’’’ EA 1: HAY-HASSANI’’ * P(3)’’’ EA 1: HAY- HASSANI’’ =0.0288*0.170*0.1429= 0.00070

xiii) The corresponding weight is 1/0.011 =1427.5

xiv) Furthermore 19 households were visited and 15 households effectively completed the survey. The weight can be adjusted in order to compensate for non- response. So, in the ‘‘’ EA 1: HAY-HASSANI’’, out of the 19 households targeted for the survey, 4 households could not participate and 15 completed the survey, corresponding to a participation weight of 19/15 =1.26

xv) The Final design weight is Final_Adjusted_weight =1.26*1.1*1427.5= 1988.98

Other possible adjustments Attempts were made to adjust the design weight by the non-participation rate per enumerator.. However, no distinction could be obtained for non-response by category of enumerators - by gender, age or other known characteristic – the adjustment for non-response by enumerator was dropped.

-22- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization Table 7.2. Household figures, final sample, participation and weights Morocco and per EA

adjusted Adjustmen probabiity selection t factor Final Adjusted of probability HH (200 EAs Probability probability selection_U of a HH in selection design_wei on 220 Nb of HHs of Selection of selection S ( the probability ght ( 3 were listed Refusal HH in the of a HH (3 Final probabilité secondary secondary (3 stages stage visited for during the Nb. of HHs Completed adjustment secondary stages Adjusted EA_ code Région Province Commune stratum USN° Taille UP Taille US mbre d'US pa _UP unit) unit) sampling) sampling) sample stratum interviews) survey visited Refusal Interviewd factor unit sampling) weight 1 Casablanca Casablanca HAY-HASSA urbain 4 587 100 6 0.0288 0.170 0.15 0.00074 1,360 1 1 0.90909091 105 19 4 15 0.7895 0.1429 0.00050 1,989 2 Casablanca Casablanca urbain 2 530 100 5 0.0169 0.189 0.15 0.00048 2,087 1 1 0.90909091 101 19 4 15 0.7895 0.1485 0.00034 2,936 3 Casablanca Casablanca AÎN-CHOCK urbain 4 531 100 5 0.0170 0.188 0.15 0.00048 2,087 1 1 0.90909091 103 18 3 15 0.8333 0.1456 0.00035 2,837 4 Casablanca Casablanca HAY-HASSA urbain 2 698 100 7 0.0272 0.143 0.15 0.00059 1,709 1 3 0.90909091 113 18 3 15 0.8333 0.1327 0.00039 2,549 5 Casablanca Casablanca MOULAY RA urbain 6 793 100 8 0.0309 0.126 0.15 0.00059 1,709 1 3 0.90909091 104 19 4 15 0.7895 0.1442 0.00040 2,476 6 Casablanca Casablanca AL-FIDA urbain 3 615 100 6 0.0240 0.163 0.15 0.00059 1,709 1 3 0.90909091 103 20 3 15 0.7500 0.1456 0.00039 2,581 7 Casablanca Casablanca SBATA urbain 6 586 100 6 0.0229 0.171 0.15 0.00059 1,709 1 3 0.90909091 108 19 2 15 0.7895 0.1389 0.00039 2,571 8 Casablanca Casablanca SBATA urbain 4 605 100 6 0.0236 0.165 0.15 0.00059 1,709 1 3 0.90909091 106 17 2 15 0.8824 0.1415 0.00044 2,258 9 Casablanca Casablanca AL-FIDA urbain 8 716 100 7 0.0279 0.140 0.15 0.00059 1,709 1 3 0.90909091 108 20 5 15 0.7500 0.1389 0.00037 2,706 10 Casablanca Casablanca SIDI MOUM urbain 1 682 100 7 0.0266 0.147 0.15 0.00059 1,709 1 3 0.90909091 117 18 3 15 0.8333 0.1282 0.00038 2,639 11 Casablanca Casablanca SBATA urbain 3 572 100 6 0.0223 0.175 0.15 0.00059 1,709 1 3 0.90909091 101 18 3 15 0.8333 0.1485 0.00044 2,278 12 Casablanca Casablanca BEN M'SICK urbain 6 621 100 6 0.0242 0.161 0.15 0.00059 1,709 1 3 0.90909091 112 18 3 15 0.8333 0.1339 0.00040 2,526 13 Casablanca Casablanca SIDI OTHMA urbain 7 838 100 8 0.0327 0.119 0.15 0.00059 1,709 1 3 0.90909091 109 19 4 15 0.7895 0.1376 0.00039 2,595 14 Casablanca Casablanca SIDI OTHMA urbain 4 573 100 6 0.0224 0.175 0.15 0.00059 1,709 1 3 0.90909091 101 20 2 15 0.7500 0.1485 0.00040 2,531 15 Casablanca Casablanca AÎN-SEBAÂ urbain 3 688 100 7 0.0278 0.145 0.15 0.00061 1,648 1 4 0.90909091 110 17 2 15 0.8824 0.1364 0.00044 2,260 16 Casablanca Casablanca BEN M'SICK urbain 5 674 100 7 0.0263 0.148 0.15 0.00059 1,709 1 3 0.90909091 101 20 5 15 0.7500 0.1485 0.00040 2,531 18 Casablanca Casablanca MOULAY RA urbain 5 595 100 6 0.0232 0.168 0.15 0.00059 1,709 1 3 0.90909091 95 17 2 15 0.8824 0.1579 0.00049 2,024 20 Casablanca Casablanca SIDI BELYO urbain 2 574 100 6 0.0239 0.174 0.15 0.00063 1,599 1 2 0.90909091 105 17 2 15 0.8824 0.1429 0.00048 2,093 21 Casablanca Casablanca HAY MOHA urbain 3 711 100 7 0.0277 0.141 0.15 0.00059 1,709 1 3 0.90909091 102 17 2 15 0.8824 0.1471 0.00046 2,173 22 Casablanca Casablanca AÎN-SEBAÂ urbain 6 776 100 8 0.0303 0.129 0.15 0.00059 1,709 1 3 0.90909091 98 20 5 15 0.7500 0.1531 0.00041 2,456 23 Casablanca MohammadiaMOHAMME urbain 2 743 100 7 0.0290 0.135 0.15 0.00059 1,709 1 3 0.90909091 108 19 4 15 0.7895 0.1389 0.00039 2,571 24 Casablanca Nouaceur NOUACEUR urbain 2 490 100 5 0.0191 0.204 0.15 0.00059 1,709 1 3 0.90909091 110 18 3 15 0.8333 0.1364 0.00040 2,481 26 Casablanca Casablanca SIDI MOUM urbain 4 675 100 7 0.0273 0.148 0.15 0.00061 1,648 1 4 0.90909091 112 20 2 15 0.7500 0.1339 0.00037 2,707 27 Casablanca Casablanca EL MAARIF urbain 2 617 100 6 0.0250 0.162 0.15 0.00061 1,648 1 4 0.90909091 107 20 5 15 0.7500 0.1402 0.00039 2,586 28 Chaouia-Our Benslimane CHERRAT rural 6 542 100 5 0.0216 0.185 0.15 0.00060 1,669 1 BENSLIMANE 0.90909091 99 17 2 15 0.8824 0.1515 0.00049 2,060 29 Chaouia-Our Khouribga OULAD AIS rural 2 481 100 5 0.0192 0.208 0.15 0.00060 1,669 1 KHOURIBGA 0.90909091 96 18 3 15 0.8333 0.1563 0.00047 2,115 30 Chaouia-Our Settat rural 4 644 100 6 0.0257 0.155 0.15 0.00060 1,669 1 SETTAT 0.90909091 109 16 1 15 0.9375 0.1376 0.00047 2,135 31 Chaouia-Our Settat rural 3 535 100 5 0.0214 0.187 0.15 0.00060 1,669 1 SETTAT 0.90909091 94 17 2 15 0.8824 0.1596 0.00051 1,956 32 Chaouia-Our Settat AIN NZAGH rural 5 634 100 6 0.0253 0.158 0.15 0.00060 1,669 1 SETTAT 0.90909091 91 15 0 15 1.0000 0.1648 0.00060 1,671 33 Chaouia-Our Settat rural 3 603 100 6 0.0241 0.166 0.15 0.00060 1,669 1 SETTAT 0.90909091 104 18 3 15 0.8333 0.1442 0.00044 2,291 34 Chaouia-Our Settat SETTAT urbain 3 651 100 7 0.0263 0.154 0.15 0.00061 1,648 1 4 0.90909091 113 20 5 15 0.7500 0.1327 0.00037 2,732 35 Chaouia-Our BERRECHID urbain 2 590 100 6 0.0230 0.169 0.15 0.00059 1,709 1 3 0.90909091 115 16 5 15 0.9375 0.1304 0.00043 2,306 36 Chaouia-Our Benslimane BENSLIMAN urbain 1 664 100 7 0.0259 0.151 0.15 0.00059 1,709 1 3 0.90909091 99 19 4 15 0.7895 0.1515 0.00042 2,357 37 Chaouia-Our Khouribga KHOURIBG urbain 4 681 100 7 0.0266 0.147 0.15 0.00059 1,709 1 3 0.90909091 100 17 2 15 0.8824 0.1500 0.00047 2,130 38 Chaouia-Our Khouribga urbain 1 607 100 6 0.0298 0.165 0.15 0.00074 1,360 1 1 0.90909091 101 19 4 15 0.7895 0.1485 0.00052 1,913 40 Doukala-AbdEl Jadida CHTOUKA rural 1 720 100 7 0.0321 0.139 0.15 0.00067 1,495 1 EL-JADIDA 0.90909091 100 18 3 15 0.8333 0.1500 0.00051 1,973 41 Doukala-AbdEl Jadida SIDI ALI BE rural 2 553 100 6 0.0247 0.181 0.15 0.00067 1,495 1 EL-JADIDA 0.90909091 95 18 3 15 0.8333 0.1579 0.00053 1,875 42 Doukala-AbdEl Jadida SIDI M'HAM rural 6 566 100 6 0.0252 0.177 0.15 0.00067 1,495 1 EL-JADIDA 0.90909091 111 18 3 15 0.8333 0.1351 0.00046 2,191 43 Doukala-AbdEl Jadida LAATATRA rural 6 902 100 9 0.0402 0.111 0.15 0.00067 1,495 1 EL-JADIDA 0.90909091 102 18 3 15 0.8333 0.1471 0.00050 2,013 44 Doukala-AbdEl Jadida OULAD HAM rural 7 730 100 7 0.0326 0.137 0.15 0.00067 1,495 1 EL-JADIDA 0.90909091 101 16 1 15 0.9375 0.1485 0.00056 1,772 45 Doukala-AbdEl Jadida LOUALIDIA rural 3 736 100 7 0.0328 0.136 0.15 0.00067 1,495 1 EL-JADIDA 0.90909091 98 16 1 15 0.9375 0.1531 0.00058 1,719 46 Doukala-AbdSafi EL GANTOU rural 1 691 100 7 0.0187 0.145 0.15 0.00041 2,463 1 SAFI 0.90909091 102 16 1 15 0.9375 0.1471 0.00034 2,948 47 Doukala-AbdSafi EL GHIATE rural 4 553 100 6 0.0150 0.181 0.15 0.00041 2,463 1 SAFI 0.90909091 96 15 0 15 1.0000 0.1563 0.00038 2,601 48 Doukala-AbdEl Jadida EL-JADIDA urbain 6 728 100 7 0.0233 0.137 0.15 0.00048 2,087 1 1 0.90909091 106 17 2 15 0.8824 0.1415 0.00036 2,757 49 Doukala-AbdEl Jadida EL-JADIDA urbain 6 751 100 8 0.0293 0.133 0.15 0.00059 1,709 1 3 0.90909091 111 17 2 15 0.8824 0.1351 0.00042 2,364 50 Doukala-AbdSafi SAFI urbain 4 573 100 6 0.0224 0.175 0.15 0.00059 1,709 1 3 0.90909091 102 19 4 15 0.7895 0.1471 0.00041 2,428 51 Doukala-AbdSafi SAFI urbain 3 771 100 8 0.0322 0.130 0.15 0.00063 1,599 1 2 0.90909091 106 20 5 15 0.7500 0.1415 0.00040 2,485 53 Doukala-AbdSidi Bennour LOUALIDIA urbain 2 629 100 6 0.0254 0.159 0.15 0.00061 1,648 1 4 0.90909091 103 20 5 15 0.7500 0.1456 0.00040 2,490 54 Fès-BoulemaBoulemane M rural 4 634 100 6 0.0257 0.158 0.15 0.00061 1,645 1 BOULEMANE 0.90909091 97 16 1 15 0.9375 0.1546 0.00053 1,872

Table 7.3. Household figures, final sample, participation and weights Morocco and per EA

adjusted Adjustmen probabiity selection t factor Final Adjusted of probability HH (200 EAs Probability probability selection_U of a HH in selection design_wei on 220 Nb of HHs of Selection of selection S ( the probability ght ( 3 were listed Refusal HH in the of a HH (3 Final probabilité secondary secondary (3 stages stage visited for during the Nb. of HHs Completed adjustment secondary stages Adjusted EA_ code Région Province Commune stratum USN° Taille UP Taille US mbre d'US pa _UP unit) unit) sampling) sampling) sample stratum interviews) survey visited Refusal Interviewd factor unit sampling) weight 55 Fès-BoulemaSefrou OULAD MK rural 2 742 100 7 0.0301 0.135 0.15 0.00061 1,645 1 SEFROU 0.90909091 105 15 0 15 1.0000 0.1429 0.00053 1,900 56 Fès-BoulemaMoulay YacoSEBT LOUD rural 2 488 100 5 0.0198 0.205 0.15 0.00061 1,645 1MOULAY YACO 0.90909091 96 15 0 15 1.0000 0.1563 0.00058 1,737 57 Fès-BoulemaBoulemane IMOUZZER urbain 10 908 100 9 0.0290 0.110 0.15 0.00048 2,087 1 1 0.90909091 103 19 4 15 0.7895 0.1456 0.00033 2,995 58 Fès-BoulemaFès AGDAL urbain 6 613 100 6 0.0196 0.163 0.15 0.00048 2,087 1 1 0.90909091 105 18 3 15 0.8333 0.1429 0.00035 2,892 59 Fès-BoulemaFès FÈS-MÉDIN urbain 4 613 100 6 0.0256 0.163 0.15 0.00063 1,599 1 2 0.90909091 102 19 4 15 0.7895 0.1471 0.00044 2,272 60 Fès-BoulemaFès ZOUAGHA urbain 1 632 100 6 0.0247 0.158 0.15 0.00059 1,709 1 3 0.90909091 103 19 4 15 0.7895 0.1456 0.00041 2,452 61 Fès-BoulemaFès EL MARINIY urbain 5 647 100 6 0.0252 0.155 0.15 0.00059 1,709 1 3 0.90909091 104 19 4 15 0.7895 0.1442 0.00040 2,476 63 Fès-BoulemaFès ZOUAGHA urbain 3 756 100 8 0.0295 0.132 0.15 0.00059 1,709 1 3 0.90909091 101 17 2 15 0.8824 0.1485 0.00046 2,151 64 Fès-BoulemaFès SAISS urbain 8 692 100 7 0.0280 0.145 0.15 0.00061 1,648 1 4 0.90909091 112 20 5 15 0.7500 0.1339 0.00037 2,707 65 Fès-BoulemaMy Yacoub MOULAY YA urbain 1 727 100 7 0.0284 0.138 0.15 0.00059 1,709 1 3 0.90909091 102 18 3 15 0.8333 0.1471 0.00043 2,301 66 Gharb ChrardKénitra KÉNITRA urbain 1 626 100 6 0.0307 0.160 0.15 0.00074 1,360 1 1 0.90909091 100 18 3 15 0.8333 0.1500 0.00056 1,795 67 Gharb ChrardKénitra KÉNITRA urbain 3 591 100 6 0.0231 0.169 0.15 0.00059 1,709 1 3 0.90909091 110 18 3 15 0.8333 0.1364 0.00040 2,481 68 Gharb ChrardSidi Kacem SIDI-KACEM urbain 8 859 100 9 0.0335 0.116 0.15 0.00059 1,709 1 3 0.90909091 99 20 5 15 0.7500 0.1515 0.00040 2,481 70 Gharb ChrardKénitra KÉNITRA urbain 6 717 100 7 0.0290 0.139 0.15 0.00061 1,648 1 4 0.90909091 110 18 3 15 0.8333 0.1364 0.00042 2,393 71 Gharb Chrard Sidi SlimaneSIDI YAHYA urbain 6 523 100 5 0.0212 0.191 0.15 0.00061 1,648 1 4 0.90909091 105 17 2 15 0.8824 0.1429 0.00046 2,157 72 Gharb-Chera Kénitra AZGHAR rural 1 714 100 7 0.0244 0.140 0.15 0.00051 1,950 1 KENITRA 0.90909091 107 18 3 15 0.8333 0.1402 0.00036 2,755 73 Gharb-Chera Kénitra ARBAOUA rural 3 525 100 5 0.0179 0.190 0.15 0.00051 1,950 1 KENITRA 0.90909091 102 18 3 15 0.8333 0.1471 0.00038 2,626 74 Gharb-Chera Kénitra SIDI MOHA rural 3 642 100 6 0.0219 0.156 0.15 0.00051 1,950 1 KENITRA 0.90909091 95 15 0 15 1.0000 0.1579 0.00049 2,038 75 Gharb-Chera Sidi Kacem SIDI M'HAM rural 1 610 100 6 0.0232 0.164 0.15 0.00057 1,754 1SIDI KACEM 0.90909091 104 18 3 15 0.8333 0.1442 0.00042 2,408 76 Gharb-Chera Sidi Kacem LAMJAARA rural 2 669 100 7 0.0254 0.149 0.15 0.00057 1,754 1SIDI KACEM 0.90909091 104 16 1 15 0.9375 0.1442 0.00047 2,141 77 Gharb-Chera Sidi Kacem BIR TALEB rural 1 524 100 5 0.0199 0.191 0.15 0.00057 1,754 1SIDI KACEM 0.90909091 107 17 2 15 0.8824 0.1402 0.00043 2,340 78 Grand-CasabMédiouna rural 6 608 100 6 0.0192 0.164 0.15 0.00047 2,112 1 MÉDIOUNA 0.90909091 108 17 2 15 0.8824 0.1389 0.00035 2,844 79 Grand-CasabNouaceur BOUSKOUR rural 1 697 100 7 0.0220 0.143 0.15 0.00047 2,112 1 NOUACEUR 0.90909091 103 17 2 15 0.8824 0.1456 0.00037 2,712 80 Guelmim-EssGuélmim GUELMIM urbain 4 669 100 7 0.0261 0.149 0.15 0.00059 1,709 1 3 0.90909091 117 19 4 15 0.7895 0.1282 0.00036 2,785 81 Guelmim-EssTan Tan TAN TAN urbain 6 769 100 8 0.0311 0.130 0.15 0.00061 1,648 1 4 0.90909091 108 17 2 15 0.8824 0.1389 0.00045 2,219 83 Guelmim-Ess Tata AKKA IGHA rural 2 408 100 4 0.0251 0.245 0.15 0.00092 1,083 1 TATA 0.90909091 97 17 2 15 0.8824 0.1546 0.00076 1,309 84 Laâyoune-BoLaayoune EL MARSA urbain 1 649 100 6 0.0318 0.154 0.15 0.00074 1,360 1 1 0.90909091 107 17 2 15 0.8824 0.1402 0.00055 1,814 85 Marrakech-T AL HAOUZ TIGHEDOUI rural 4 635 100 6 0.0176 0.157 0.15 0.00042 2,401 1AL HAOUZ 0.90909091 98 15 0 15 1.0000 0.1531 0.00039 2,588 86 Marrakech-T AL HAOUZ TALAT N'YA rural 4 799 100 8 0.0222 0.125 0.15 0.00042 2,401 1AL HAOUZ 0.90909091 104 15 0 15 1.0000 0.1442 0.00036 2,747 87 Marrakech-T CHICHAOUSAIDATE rural 2 763 100 8 0.0293 0.131 0.15 0.00058 1,736 1 CHICHAOUA 0.90909091 99 16 1 15 0.9375 0.1515 0.00050 2,016 88 Marrakech-T CHICHAOUMAJJAT rural 5 629 100 6 0.0242 0.159 0.15 0.00058 1,736 1 CHICHAOUA 0.90909091 105 15 0 15 1.0000 0.1429 0.00050 2,005 89 Marrakech-T EL KELAA OULAD EL G rural 2 496 100 5 0.0224 0.202 0.15 0.00068 1,476 1 EL KELAA 0.90909091 99 17 2 15 0.8824 0.1515 0.00055 1,822 90 Marrakech-T EL KELAA JOUALA rural 2 635 100 6 0.0287 0.157 0.15 0.00068 1,476 1 EL KELAA 0.90909091 92 17 2 15 0.8824 0.1630 0.00059 1,693 92 Marrakech-T EL KELAA TLAUH rural 3 737 100 7 0.0333 0.136 0.15 0.00068 1,476 1 EL KELAA 0.90909091 111 16 1 15 0.9375 0.1351 0.00052 1,923 93 Marrakech-T ESSAOUIRASIDI ISHAQ rural 4 796 100 8 0.0252 0.126 0.15 0.00047 2,110 1 ESSAOUIRA 0.90909091 104 17 2 15 0.8824 0.1442 0.00037 2,735 94 Marrakech-T ESSAOUIRASIDI EL JAZ rural 7 685 100 7 0.0216 0.146 0.15 0.00047 2,110 1 ESSAOUIRA 0.90909091 100 18 3 15 0.8333 0.1500 0.00036 2,785 95 Marrakech-T Marrakech AGAFAY rural 2 504 100 5 0.0251 0.198 0.15 0.00075 1,341 1 MARRAKECH 0.90909091 97 16 1 15 0.9375 0.1546 0.00066 1,526 96 Marrakech-T Marrakech TASSOULTA rural 7 674 100 7 0.0335 0.148 0.15 0.00075 1,341 1 MARRAKECH 0.90909091 92 17 2 15 0.8824 0.1630 0.00065 1,538 97 Marrakech-T Marrakech GUELIZ urbain 2 582 100 6 0.0235 0.172 0.15 0.00061 1,648 1 4 0.90909091 116 20 5 15 0.7500 0.1293 0.00036 2,804 98 Marrakech-T Marrakech GUELIZ urbain 3 648 100 6 0.0207 0.154 0.15 0.00048 2,087 1 1 0.90909091 104 19 4 15 0.7895 0.1442 0.00033 3,024 99 Marrakech-T Marrakech SIDI YOUSS urbain 6 582 100 6 0.0285 0.172 0.15 0.00074 1,360 1 1 0.90909091 101 19 4 15 0.7895 0.1485 0.00052 1,913 100 Marrakech-T El Kelaa Des EL KELAÂ D urbain 3 618 100 6 0.0241 0.162 0.15 0.00059 1,709 1 3 0.90909091 96 20 5 15 0.7500 0.1563 0.00042 2,406 101 Marrakech-T Marrakech MÉNARA urbain 7 689 100 7 0.0269 0.145 0.15 0.00059 1,709 1 3 0.90909091 100 20 5 15 0.7500 0.1500 0.00040 2,506 102 Marrakech-T Marrakech MÉNARA urbain 5 696 100 7 0.0272 0.144 0.15 0.00059 1,709 1 3 0.90909091 114 20 5 15 0.7500 0.1316 0.00035 2,857 103 Marrakech-T Essaouira ESSAOUIRA urbain 5 513 100 5 0.0214 0.195 0.15 0.00063 1,599 1 2 0.90909091 110 20 5 15 0.7500 0.1364 0.00039 2,579 105 Marrakech-T Marrakech GUELIZ urbain 6 634 100 6 0.0264 0.158 0.15 0.00063 1,599 1 2 0.90909091 107 18 3 15 0.8333 0.1402 0.00044 2,258 106 Marrakech-T Marrakech MÉNARA urbain 3 734 100 7 0.0297 0.136 0.15 0.00061 1,648 1 4 0.90909091 106 19 4 15 0.7895 0.1415 0.00041 2,434 107 Méknès-TafilMéknès OUED ROM rural 2 897 100 9 0.0302 0.111 0.15 0.00051 1,977 1 MEKNES 0.90909091 107 16 1 15 0.9375 0.1402 0.00040 2,482 108 Méknès-TafilEl Hajeb AIT HARZ A rural 3 664 100 7 0.0224 0.151 0.15 0.00051 1,977 1EL HAJEB 0.90909091 103 15 0 15 1.0000 0.1456 0.00045 2,240 109 Méknès-TafilErrachidia AIT HANI rural 7 765 100 8 0.0284 0.131 0.15 0.00056 1,796 1 ERRACHIDIA 0.90909091 98 15 0 15 1.0000 0.1531 0.00052 1,936 110 Méknès-TafilErrachidia FERKLA ES rural 6 665 100 7 0.0247 0.150 0.15 0.00056 1,796 1 ERRACHIDIA 0.90909091 100 15 0 15 1.0000 0.1500 0.00051 1,975

-23- Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report Do not quote without authorization Table 7.4. Household figures, final sample, participation and weights Morocco and per EA

adjusted Adjustmen probabiity selection t factor Final Adjusted of probability HH (200 EAs Probability probability selection_U of a HH in selection design_wei on 220 Nb of HHs of Selection of selection S ( the probability ght ( 3 were listed Refusal HH in the of a HH (3 Final probabilité secondary secondary (3 stages stage visited for during the Nb. of HHs Completed adjustment secondary stages Adjusted EA_ code Région Province Commune stratum USN° Taille UP Taille US mbre d'US pa _UP unit) unit) sampling) sampling) sample stratum interviews) survey visited Refusal Interviewd factor unit sampling) weight 111 Méknès-TafilKhénifra rural 3 661 100 7 0.0305 0.151 0.15 0.00069 1,443 1 KHENIFRA 0.90909091 98 18 3 15 0.8333 0.1531 0.00054 1,867 112 Méknès-TafilKhénifra SEBT AIT RA rural 1 576 100 6 0.0266 0.174 0.15 0.00069 1,443 1 KHENIFRA 0.90909091 94 16 1 15 0.9375 0.1596 0.00063 1,592 113 Méknès-TafilKhénifra M'RIRT urbain 1 741 100 7 0.0289 0.135 0.15 0.00059 1,709 1 3 0.90909091 107 19 4 15 0.7895 0.1402 0.00039 2,547 114 Méknès-TafilMéknès MEKNÈS urbain 6 614 100 6 0.0240 0.163 0.15 0.00059 1,709 1 3 0.90909091 110 20 5 15 0.7500 0.1364 0.00036 2,757 115 Méknès-TafilTinghir ALNIF urbain 6 434 100 4 0.0169 0.230 0.15 0.00059 1,709 1 3 0.90909091 102 17 2 15 0.8824 0.1471 0.00046 2,173 116 Méknès-TafilMéknès MEKNÈS urbain 2 573 100 6 0.0224 0.175 0.15 0.00059 1,709 1 3 0.90909091 105 17 2 15 0.8824 0.1429 0.00045 2,237 117 Méknès-TafilEl Hajeb EL HAJEB urbain 3 757 100 8 0.0295 0.132 0.15 0.00059 1,709 1 3 0.90909091 103 19 4 15 0.7895 0.1456 0.00041 2,452 118 Méknès-TafilErrachidia MOULAY AL urbain 5 602 100 6 0.0235 0.166 0.15 0.00059 1,709 1 3 0.90909091 106 17 2 15 0.8824 0.1415 0.00044 2,258 119 Méknès-TafilIfrane TIMAHDITE urbain 6 575 100 6 0.0224 0.174 0.15 0.00059 1,709 1 2 0.90909091 109 17 2 15 0.8824 0.1376 0.00043 2,322 120 Méknès-TafilMéknès MEKNÈS urbain 5 509 100 5 0.0206 0.196 0.15 0.00061 1,648 1 4 0.90909091 112 18 3 15 0.8333 0.1339 0.00041 2,437 121 Méknès-TafilMidelt ER-RICH urbain 3 616 100 6 0.0249 0.162 0.15 0.00061 1,648 1 4 0.90909091 106 18 3 15 0.8333 0.1415 0.00043 2,306 123 Oriental BERKANE AGHBAL rural 4 604 100 6 0.0235 0.166 0.15 0.00058 1,714 1 BERKANE 0.90909091 93 18 3 15 0.8333 0.1613 0.00048 2,104 124 Oriental FIGUIG BOUMERIE rural 3 715 100 7 0.0278 0.140 0.15 0.00058 1,714 1 FIGUIG 0.90909091 106 15 0 15 1.0000 0.1415 0.00050 1,998 125 Oriental NADOR rural 2 810 100 8 0.0315 0.123 0.15 0.00058 1,714 1 NADOR 0.90909091 105 17 2 15 0.8824 0.1429 0.00045 2,243 126 Oriental NADOR rural 4 495 100 5 0.0193 0.202 0.15 0.00058 1,714 1 NADOR 0.90909091 105 16 1 15 0.9375 0.1429 0.00047 2,111 127 Oriental -ANISLY rural 4 634 100 6 0.0247 0.158 0.15 0.00058 1,714 1OUJDA-ANGAD 0.90909091 101 16 1 15 0.9375 0.1485 0.00049 2,031 128 Oriental Oujda-AngadOUJDA urbain 4 667 100 7 0.0213 0.150 0.15 0.00048 2,087 1 1 0.90909091 112 19 4 15 0.7895 0.1339 0.00031 3,256 130 Oriental Nador NADOR urbain 3 596 100 6 0.0190 0.168 0.15 0.00048 2,087 1 1 0.90909091 108 19 4 15 0.7895 0.1389 0.00032 3,140 131 Oriental Nador urbain 4 586 100 6 0.0187 0.171 0.15 0.00048 2,087 1 1 0.90909091 101 18 3 15 0.8333 0.1485 0.00036 2,782 132 Oriental Berkane SIDI SLIMA urbain 6 689 100 7 0.0269 0.145 0.15 0.00059 1,709 1 3 0.90909091 114 20 5 15 0.7500 0.1316 0.00035 2,857 133 Oriental Taourirt EL AIOUN S urbain 4 732 100 7 0.0286 0.137 0.15 0.00059 1,709 1 3 0.90909091 116 20 5 15 0.7500 0.1293 0.00034 2,907 134 Oriental Oujda-AngadOUJDA urbain 5 620 100 6 0.0242 0.161 0.15 0.00059 1,709 1 3 0.90909091 102 17 2 15 0.8824 0.1471 0.00046 2,173 135 Oriental Oujda-AngadOUJDA urbain 6 686 100 7 0.0277 0.146 0.15 0.00061 1,648 1 4 0.90909091 112 20 5 15 0.7500 0.1339 0.00037 2,707 136 Oriental Nador NADOR urbain 1 609 100 6 0.0246 0.164 0.15 0.00061 1,648 1 4 0.90909091 100 20 5 15 0.7500 0.1500 0.00041 2,417 137 Oued ed DahOued Ed-DahDAKHLA urbain 6 528 100 5 0.0206 0.189 0.15 0.00059 1,709 1 3 0.90909091 107 19 4 15 0.7895 0.1402 0.00039 2,547 138 Rabat-Salé-zeKhémisset AIT MIMOU rural 5 660 100 7 0.0244 0.152 0.15 0.00055 1,805 1 KHEMISSET 0.90909091 93 17 2 15 0.8824 0.1613 0.00048 2,093 139 Rabat-Salé-zeKhémisset HOUDERRA rural 7 774 100 8 0.0286 0.129 0.15 0.00055 1,805 1 KHEMISSET 0.90909091 106 15 0 15 1.0000 0.1415 0.00048 2,105 140 Rabat-Salé-zeKhémisset SIDI ABDER rural 5 633 100 6 0.0234 0.158 0.15 0.00055 1,805 1 KHEMISSET 0.90909091 105 17 2 15 0.8824 0.1429 0.00042 2,363 141 Rabat-Salé-zeRabat EL YOUSSO urbain 2 581 100 6 0.0235 0.172 0.15 0.00061 1,648 1 4 0.90909091 108 19 4 15 0.7895 0.1389 0.00040 2,480 142 Rabat-Salé-zeSalé LAYAYDA urbain 5 655 100 7 0.0265 0.153 0.15 0.00061 1,648 1 4 0.90909091 106 18 3 15 0.8333 0.1415 0.00043 2,306 143 Rabat-Salé-zeRabat AGDAL RIY urbain 6 547 100 5 0.0175 0.183 0.15 0.00048 2,087 1 1 0.90909091 106 19 4 15 0.7895 0.1415 0.00032 3,082 144 Rabat-Salé-zeRabat AGDAL RIY urbain 7 614 100 6 0.0301 0.163 0.15 0.00074 1,360 1 1 0.90909091 110 17 2 15 0.8824 0.1364 0.00054 1,864 146 Rabat-Salé-zeKhémisset TIFLET urbain 4 572 100 6 0.0223 0.175 0.15 0.00059 1,709 1 3 0.90909091 103 19 4 15 0.7895 0.1456 0.00041 2,452 147 Rabat-Salé-zeRabat TOUARGA urbain 3 832 100 8 0.0325 0.120 0.15 0.00059 1,709 1 3 0.90909091 115 18 3 15 0.8333 0.1304 0.00039 2,594 148 Rabat-Salé-zeRabat EL YOUSSO urbain 4 750 100 8 0.0293 0.133 0.15 0.00059 1,709 1 3 0.90909091 117 19 4 15 0.7895 0.1282 0.00036 2,785 149 Rabat-Salé-zeSkhirate-TémTÉMARA urbain 7 631 100 6 0.0246 0.158 0.15 0.00059 1,709 1 3 0.90909091 102 19 4 15 0.7895 0.1471 0.00041 2,428 150 Rabat-Salé-zeSalé BAB LAMRI urbain 1 511 100 5 0.0199 0.196 0.15 0.00059 1,709 1 3 0.90909091 100 17 2 15 0.8824 0.1500 0.00047 2,130 151 Rabat-Salé-zeSalé TABRIQUET urbain 5 756 100 8 0.0295 0.132 0.15 0.00059 1,709 1 3 0.90909091 103 19 4 15 0.7895 0.1456 0.00041 2,452 153 Rabat-Salé-zeSalé BAB LAMRI urbain 1 680 100 7 0.0265 0.147 0.15 0.00059 1,709 1 3 0.90909091 114 20 5 15 0.7500 0.1316 0.00035 2,857 154 Rabat-Salé-zeKhémisset KHÉMISSET urbain 5 521 100 5 0.0203 0.192 0.15 0.00059 1,709 1 3 0.90909091 107 19 4 15 0.7895 0.1402 0.00039 2,547 155 Rabat-Salé-zeSalé BAB LAMRI urbain 2 655 100 7 0.0273 0.153 0.15 0.00063 1,599 1 2 0.90909091 102 18 3 15 0.8333 0.1471 0.00046 2,152 156 Rabat-Salé-zeSkhirate-TémTÉMARA urbain 5 614 100 6 0.0248 0.163 0.15 0.00061 1,648 1 4 0.90909091 111 17 2 15 0.8824 0.1351 0.00044 2,281 157 Souss-Massa Agadir Ida O TIQQI rural 4 529 100 5 0.0167 0.189 0.15 0.00047 2,109 1AGADIR IDA O 0.90909091 109 18 3 15 0.8333 0.1376 0.00033 3,034 158 Souss-Massa Chtouka Ait BMASSA rural 1 679 100 7 0.0215 0.147 0.15 0.00047 2,109 1 CHTOUKA-AIT 0.90909091 95 16 1 15 0.9375 0.1579 0.00043 2,351 159 Souss-Massa Chtouka Ait BSIDI BOUSH rural 4 594 100 6 0.0188 0.168 0.15 0.00047 2,109 1 CHTOUKA-AIT 0.90909091 100 15 0 15 1.0000 0.1500 0.00043 2,320 160 Souss-Massa Ouarzazate TIDLI rural 6 588 100 6 0.0226 0.170 0.15 0.00058 1,731 1 OUARZAZATE 0.90909091 108 16 1 15 0.9375 0.1389 0.00046 2,194 161 Souss-Massa Ouarzazate SKOURA AH rural 3 617 100 6 0.0238 0.162 0.15 0.00058 1,731 1 OUARZAZATE 0.90909091 96 18 3 15 0.8333 0.1563 0.00046 2,194 162 Souss-Massa Taroudannt IGLI rural 5 539 100 5 0.0215 0.186 0.15 0.00060 1,672 1TAROUDANNT 0.90909091 105 17 2 15 0.8824 0.1429 0.00046 2,189 163 Souss-Massa Taroudannt EL KOUDIA rural 2 669 100 7 0.0267 0.149 0.15 0.00060 1,672 1TAROUDANNT 0.90909091 103 18 3 15 0.8333 0.1456 0.00044 2,274 164 Souss-Massa Taroudannt TASSOUSFI rural 4 578 100 6 0.0230 0.173 0.15 0.00060 1,672 1TAROUDANNT 0.90909091 98 15 0 15 1.0000 0.1531 0.00055 1,803

Table 7.5. Household figures, final sample, participation and weights Morocco and per EA

adjusted Adjustmen probabiity selection t factor Final Adjusted of probability HH (200 EAs Probability probability selection_U of a HH in selection design_wei on 220 Nb of HHs of Selection of selection S ( the probability ght ( 3 were listed Refusal HH in the of a HH (3 Final probabilité secondary secondary (3 stages stage visited for during the Nb. of HHs Completed adjustment secondary stages Adjusted EA_ code Région Province Commune stratum USN° Taille UP Taille US mbre d'US pa _UP unit) unit) sampling) sampling) sample stratum interviews) survey visited Refusal Interviewd factor unit sampling) weight 165 Souss-Massa Taroudannt TIOUT rural 2 555 100 6 0.0221 0.180 0.15 0.00060 1,672 1TAROUDANNT 0.90909091 111 18 3 15 0.8333 0.1351 0.00041 2,450 166 Souss-Massa Tiznit SIDI H'SAIN rural 7 677 100 7 0.0214 0.148 0.15 0.00047 2,109 1 TIZNIT 0.90909091 92 15 0 15 1.0000 0.1630 0.00047 2,134 167 Souss-Massa Zagora AIT BOUDA rural 3 622 100 6 0.0240 0.161 0.15 0.00058 1,731 1 ZAGORA 0.90909091 99 15 0 15 1.0000 0.1515 0.00053 1,885 168 Souss-Massa Agadir Ida O AGADIR urbain 9 641 100 6 0.0250 0.156 0.15 0.00059 1,709 1 3 0.90909091 104 18 3 15 0.8333 0.1442 0.00043 2,346 169 Souss-Massa Inezgane Ait AIT MELLO urbain 2 594 100 6 0.0232 0.168 0.15 0.00059 1,709 1 3 0.90909091 99 18 3 15 0.8333 0.1515 0.00045 2,233 170 Souss-Massa Taroudannt TAROUDAN urbain 5 653 100 7 0.0255 0.153 0.15 0.00059 1,709 1 3 0.90909091 112 17 2 15 0.8824 0.1339 0.00042 2,386 171 Souss-Massa Inezgane Ait TEMSIA urbain 3 538 100 5 0.0210 0.186 0.15 0.00059 1,709 1 3 0.90909091 112 17 2 15 0.8824 0.1339 0.00042 2,386 172 Souss-Massa Inezgane Ait INEZGANE urbain 1 628 100 6 0.0245 0.159 0.15 0.00059 1,709 1 3 0.90909091 118 18 3 15 0.8333 0.1271 0.00038 2,661 173 Souss-Massa Ouarzazate OUARZAZA urbain 2 655 100 7 0.0273 0.153 0.15 0.00063 1,599 1 2 0.90909091 103 20 5 15 0.7500 0.1456 0.00041 2,415 174 Souss-Massa Agadir Ida O urbain 5 584 100 6 0.0236 0.171 0.15 0.00061 1,648 1 4 0.90909091 112 20 5 15 0.7500 0.1339 0.00037 2,707 175 Souss-Massa Agadir Ida O AGADIR urbain 8 617 100 6 0.0250 0.162 0.15 0.00061 1,648 1 4 0.90909091 114 18 3 15 0.8333 0.1316 0.00040 2,480 177 Souss-Massa Taroudannt TAROUDAN urbain 7 569 100 6 0.0230 0.176 0.15 0.00061 1,648 1 4 0.90909091 103 19 4 15 0.7895 0.1456 0.00042 2,365 179 Tadla-Azilal Azilal BZOU rural 1 495 100 5 0.0227 0.202 0.15 0.00069 1,456 1 AZILAL 0.90909091 97 17 2 15 0.8824 0.1546 0.00057 1,761 180 Tadla-Azilal Azilal SIDI BOULK rural 4 591 100 6 0.0271 0.169 0.15 0.00069 1,456 1 AZILAL 0.90909091 99 15 0 15 1.0000 0.1515 0.00063 1,586 181 Tadla-Azilal Béni Mellal DAR OULD rural 4 752 100 8 0.0270 0.133 0.15 0.00054 1,858 1BENI MELLAL 0.90909091 106 17 2 15 0.8824 0.1415 0.00041 2,456 182 Tadla-Azilal Béni Mellal SIDI HAMM rural 5 604 100 6 0.0217 0.166 0.15 0.00054 1,858 1BENI MELLAL 0.90909091 94 15 0 15 1.0000 0.1596 0.00052 1,921 183 Tadla-Azilal Béni Mellal BRADIA rural 3 738 100 7 0.0265 0.136 0.15 0.00054 1,858 1BENI MELLAL 0.90909091 92 17 2 15 0.8824 0.1630 0.00047 2,131 184 Tadla-Azilal Azilal AZILAL urbain 2 557 100 6 0.0217 0.180 0.15 0.00059 1,709 1 3 0.90909091 110 19 4 15 0.7895 0.1364 0.00038 2,619 185 Tadla-Azilal Béni Mellal BÉNI MELL urbain 5 603 100 6 0.0235 0.166 0.15 0.00059 1,709 1 3 0.90909091 103 18 3 15 0.8333 0.1456 0.00043 2,323 186 Tadla-Azilal Fquih Ben S FQUIH BEN urbain 5 654 100 7 0.0255 0.153 0.15 0.00059 1,709 1 3 0.90909091 101 19 4 15 0.7895 0.1485 0.00042 2,405 187 Tadla-Azilal Béni Mellal KASBA TAD urbain 5 682 100 7 0.0284 0.147 0.15 0.00063 1,599 1 2 0.90909091 102 19 4 15 0.7895 0.1471 0.00044 2,272 188 Tadla-Azilal Béni Mellal BÉNI MELL urbain 5 687 100 7 0.0278 0.146 0.15 0.00061 1,648 1 4 0.90909091 112 19 4 15 0.7895 0.1339 0.00039 2,572 189 Tanger-Tétou CHEFCHAOBAB TAZA rural 1 649 100 6 0.0221 0.154 0.15 0.00051 1,954 1 CHEFCHAOUE 0.90909091 92 17 2 15 0.8824 0.1630 0.00045 2,241 190 Tanger-Tétou CHEFCHAOTALAMBOT rural 1 595 100 6 0.0203 0.168 0.15 0.00051 1,954 1 CHEFCHAOUE 0.90909091 99 17 2 15 0.8824 0.1515 0.00041 2,412 191 Tanger-TétouFahs Anjra TAGHRAMT rural 4 505 100 5 0.0270 0.198 0.15 0.00080 1,245 1 FAHS-ANJRA 0.90909091 108 15 0 15 1.0000 0.1389 0.00068 1,479 193 Tanger-Tétou LARACHE ZAAROURA rural 4 633 100 6 0.0216 0.158 0.15 0.00051 1,954 1 LARACHE 0.90909091 95 15 0 15 1.0000 0.1579 0.00049 2,042 194 Tanger-Tétou TETOUAN AL KHRROU rural 3 563 100 6 0.0301 0.178 0.15 0.00080 1,245 1 TETOUAN 0.90909091 92 15 0 15 1.0000 0.1630 0.00079 1,260 195 Tanger-Tétou TETOUAN ZAOUIAT SI rural 4 518 100 5 0.0277 0.193 0.15 0.00080 1,245 1 TETOUAN 0.90909091 96 18 3 15 0.8333 0.1563 0.00063 1,578 196 Tanger-TétouTanger-AssilaCHARF-SOU urbain 4 629 100 6 0.0201 0.159 0.15 0.00048 2,087 1 1 0.90909091 104 19 4 15 0.7895 0.1442 0.00033 3,024 197 Tanger-TétouLarache KSAR EL KE urbain 4 710 100 7 0.0227 0.141 0.15 0.00048 2,087 1 1 0.90909091 105 18 5 15 0.8333 0.1429 0.00035 2,892 198 Tanger-Tétou Ouezzane OUEZZANE urbain 2 698 100 7 0.0223 0.143 0.15 0.00048 2,087 1 1 0.90909091 102 17 2 15 0.8824 0.1471 0.00038 2,653 199 Tanger-TétouTétouan TÉTOUAN urbain 3 540 100 5 0.0211 0.185 0.15 0.00059 1,709 1 3 0.90909091 101 18 3 15 0.8333 0.1485 0.00044 2,278 200 Tanger-TétouM'Diq-Fnidq FNIDQ urbain 7 713 100 7 0.0278 0.140 0.15 0.00059 1,709 1 3 0.90909091 112 19 4 15 0.7895 0.1339 0.00038 2,666 201 Tanger-TétouTanger-AssilaBNI MAKAD urbain 4 595 100 6 0.0232 0.168 0.15 0.00059 1,709 1 3 0.90909091 107 17 2 15 0.8824 0.1402 0.00044 2,279 202 Tanger-TétouTanger-AssilaCHARF-MG urbain 2 551 100 6 0.0215 0.181 0.15 0.00059 1,709 1 3 0.90909091 109 17 2 15 0.8824 0.1376 0.00043 2,322 203 Tanger-TétouTanger-AssilaTANGER-M urbain 5 673 100 7 0.0281 0.149 0.15 0.00063 1,599 1 2 0.90909091 106 17 2 15 0.8824 0.1415 0.00047 2,113 204 Tanger-TétouTétouan TÉTOUAN urbain 4 620 100 6 0.0251 0.161 0.15 0.00061 1,648 1 4 0.90909091 113 17 2 15 0.8824 0.1327 0.00043 2,322 205 Tanger-TétouChefchaouen CHEFCHAO urbain 1 640 100 6 0.0259 0.156 0.15 0.00061 1,648 1 4 0.90909091 100 20 5 15 0.7500 0.1500 0.00041 2,417 206 Tanger-TétouTanger-AssilaCHARF-MG urbain 6 613 100 6 0.0248 0.163 0.15 0.00061 1,648 1 4 0.90909091 107 19 4 15 0.7895 0.1402 0.00041 2,457 209 Taza-Al Hoce AL HOCEIMSIDI BOUTM rural 2 506 100 5 0.0234 0.198 0.15 0.00069 1,441 1AL HOCEIMA 0.90909091 100 15 0 15 1.0000 0.1500 0.00063 1,585 210 Taza-Al Hoce TAOUNATESIDI YAHYA rural 7 750 100 8 0.0300 0.133 0.15 0.00060 1,669 1 TAOUNATE 0.90909091 107 16 1 15 0.9375 0.1402 0.00048 2,095 211 Taza-Al Hoce TAOUNATEMOULAY BO rural 6 616 100 6 0.0246 0.162 0.15 0.00060 1,669 1 TAOUNATE 0.90909091 102 16 1 15 0.9375 0.1471 0.00050 1,997 212 Taza-Al Hoce TAOUNATETAMEDIT rural 4 730 100 7 0.0292 0.137 0.15 0.00060 1,669 1 TAOUNATE 0.90909091 90 15 0 15 1.0000 0.1667 0.00061 1,652 213 Taza-Al Hoce TAOUNATESIDI M'HAM rural 4 770 100 8 0.0308 0.130 0.15 0.00060 1,669 1 TAOUNATE 0.90909091 107 18 3 15 0.8333 0.1402 0.00042 2,357 214 Taza-Al Hoce TAZA TADDART rural 3 635 100 6 0.0247 0.157 0.15 0.00058 1,717 1 TAZA 0.90909091 106 17 2 15 0.8824 0.1415 0.00044 2,268 215 Taza-Al Hoce TAZA SMIÀ rural 3 640 100 6 0.0249 0.156 0.15 0.00058 1,717 1 TAZA 0.90909091 99 18 3 15 0.8333 0.1515 0.00045 2,243 216 Taza-Al Hoce TAZA OULAD CHR rural 3 728 100 7 0.0283 0.137 0.15 0.00058 1,717 1 TAZA 0.90909091 103 16 1 15 0.9375 0.1456 0.00048 2,075 217 Taza-Al HoceAl Hoceima AJDIR urbain 4 787 100 8 0.0307 0.127 0.15 0.00059 1,709 1 3 0.90909091 104 17 2 15 0.8824 0.1442 0.00045 2,215 219 Taza-Al HoceTaza TAZA urbain 6 542 100 5 0.0211 0.185 0.15 0.00059 1,709 1 3 0.90909091 113 15 2 15 1.0000 0.1327 0.00047 2,124 220 Taza-Al HoceTaza TAZA urbain 2 575 100 6 0.0233 0.174 0.15 0.00061 1,648 1 4 0.90909091 105 19 4 15 0.7895 0.1429 0.00041 2,411

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6.2.2 Individual weights

Weights could also be computed at the individual level. Individual (person) weights should be used when generalizing to a population of individuals. In the context of the Morocco Financial literacy survey, respondents in the household were randomly chosen with equal probability (using a Kish table) among the adult eligible members of the household.

Individual weights are computed in the following manner: In a given household, the probability of selecting any respondent is equal to 1/n with n being the total number of eligible persons in the household. Therefore, the weight of the respondent of that household is n and the post stratification weight for that respondent is equal to the household design weight multiplied by n. For example, household number 1001 had 4 household members who were eligible to participate in the survey; consequently the weight of the respondent of the household 1001 is 4; and the post stratification weight (for the individual) is Ind_weight= 1988.98*4 =7955.93

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Financial Literacy and Consumer Protection Survey in Morocco – 2013 Technical report

APPENDIX A

Partial non- response