- Codes
- Description
- Comparability
- Universe
- Availability
- Flags
- Questionnaire Text
- UnHarmonized Variables
Codes and Frequencies
Description
BPAYDAY12M reports if anyone in the household has used payday loan or payday advance services during the past 12 months.
This variable is part of the Unbanked/Underbanked Supplement.
Comparability
For 2009, this variable uses BPAYDAYOFT, frequency of payday loan service use over the past 12 months, recoded so that 0 represents no use of the services and any frequency above 0 represents having used the services. Having ever had a payday loan was a universe requirement for 2009, but is not for 2011 forward.
There is a sizable increase in "No Response" responses from 2015 to 2017. This is present in the original data.
In 2019 and 2021, nonresponses to Unbanked/Underbanked Supplement questions were allocated based on households with similar demographics. The data quality flag for BPAYDAY12M is QBPAYDAY12M.
Universe
- Jan 2009, Jun 2011, and Jun 2013: Households that report having or not having bank accounts, reported someone in the household had ever had a payday loan, with a respondant aged 15 years or older who has knowledge of household finances.
- Jun 2015, Jun 2017, Jun 2019, and Jun 2021: Households that report having or not having bank accounts, with a respondant aged 15 years or older who has knowledge of household finances.
Availability
| Years | Jan | Feb | ASEC | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2009 | X | - | - | - | - | - | - | - | - | - | - | - |
| 2011 | - | - | - | - | - | X | - | - | - | - | - | - |
| 2013 | - | - | - | - | - | X | - | - | - | - | - | - |
| 2015 | - | - | - | - | - | X | - | - | - | - | - | - |
| 2017 | - | - | - | - | - | X | - | - | - | - | - | - |
| 2019 | - | - | - | - | - | X | - | - | - | - | - | - |
| 2021 | - | - | - | - | - | X | - | - | - | - | - | - |
