Men (87%) are also more likely to have access to formal financial services than women (83%), urban dwellers (88%) than rural residents (82%) and young (18-24 years, 86%) than old (55+, 78%).
Hata hivyo, kuna tofauti kubwa kati ya kaya za mijini (asilimia 74) na vijijini (asilimia 46) na kati ya makundi ya matajiri (asilimia 75) na masikini (asilimia 41) kwenye utumiaji wa vyanzo vilivyoboreshwa.