Additionally, 27 percent of the respondents have retirement savings; but these were found to be more with the urban dwellers. •  Use of credit in Fiji is lower, at 32 percent, in comparison to upper-middle income countries at 38 percent.
The report highlights that those in the informal strand use shop credit; hire purchases and borrowing from family and friends more than those that are banked. •  Moving forward  Overall, the demand-side survey report presents some interesting findings and good baseline data for us all on access, usage and the quality of financial services and products offered in Fiji.