- Codes
- Description
- Comparability
- Universe
- Availability
- Flags
- Questionnaire Text
- UnHarmonized Variables
Codes and Frequencies
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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, Jun 2021, and Jun 2023: 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 | - | - | - | - | - | - |
| 2023 | - | - | - | - | - | X | - | - | - | - | - | - |
Flags
QBPAYDAY12M
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