| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | depository financial institution | Somalia | Less common and less accessible due to political instability, with many people relying on informal money transfer systems. | 1 |
| 2 | depository financial institution | Somalia | Less reliance on formal banking systems, with more use of informal money transfer methods such as hawala | 1 |
| 3 | financial institution | Somalia | Financial institutions are predominantly informal, with practices such as rotating savings and credit associations (ROSCAs) or relying on traditional hawala networks rather than formal banks. | 1 |