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FinScope 2005, Financial Inclusion

Zambia, 2005
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Reference ID
ZMB_2005_FSDZ_v01_M
Producer(s)
Finmark Trust
Metadata
DDI/XML JSON
Created on
Dec 05, 2019
Last modified
Dec 05, 2019
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Data file: Zambia Finscope 2005 v1.0 Stata11

The 2005 FinScope survey data

Cases: 3998
Variables: 902

Variables

Q20_16
When you receive your account statement you check the details on the account
Q20_17
If you don't understand technology, you can't get a bank account
Q20_18
You often do not feel in control of your finances
Q20_19
Banks take advantage of poor people
Q20_20
You would change banks if another bank offered you more attractive products or s
Q20_21
You enjoy spending money to buy things even if you have to use credit to do so
Q20_22
The bank you use gives you status in your friends' eyes
Q20_23
When buying on credit you find it usually ends up being more expensive than you
Q20_24
You often find that you are surprised by the final amount you have had to pay fo
Q20_25
You would prefer to save money at a bank for a long-term goal
Q20_26
You can earn more money investing in other ventures, rather than using a savings
Q21_1
Unexpected event that could impact on finances - 1
Q21_2
Unexpected event that could impact on finances - 2
Q21_3
Unexpected event that could impact on finances - 3
Q21_4
Unexpected event that could impact on finances - 4
Q21_5
Unexpected event that could impact on finances - 5
Q21_6
Unexpected event that could impact on finances - 6
Q21_7
Unexpected event that could impact on finances - 7
Q21_8
Unexpected event that could impact on finances - 8
Q21_9
Unexpected event that could impact on finances - 9
Q21_10
Unexpected event that could impact on finances - 10
Q21_11
Unexpected event that could impact on finances - 11
Q21_12
Unexpected event that could impact on finances - 12
Q21_13
Unexpected event that could impact on finances - 13
Q22_1
Deal with it financially - 1 (first mention)
Q22_2
Deal with it financially - 2
Q22_3
Deal with it financially - 3
Q22_4
Deal with it financially - 4
Q22_5
Deal with it financially - 5
Q22_6
Deal with it financially - 6
Q22_7
Deal with it financially - 7
Q22_8
Deal with it financially - 8
Q23_1
Enough food to eat
Q23_2
Enough clean water for home use
Q23_3
Enough medicines or medical treatment
Q23_4
Electricity in your home
Q23_5
Enough fuel to cook your food
Q23_6
A cash income
Q23_7
Felt unsafe from crime in your home
Q24_1
To whom do you usually turn to - 1 (first mention)
Q24_2
To whom do you usually turn - 2
Q24_3
To whom do you usually turn - 3
Q24_4
To whom do you usually turn - 4
Q24_5
To whom do you usually turn - 5
Q25_1
Services to send money - 1
Q25_2
Services to send money - 2
Q25_3
Services to send money - 3
Q25_4
Services to send money - 4
Q25_5
Services to send money - 5
Q25_6
Services to send money - 6
Q26_1
To whom did you send money - 1
Q26_2
To whom did you send money - 2
Q26_3
To whom did you send money - 3
Q26_4
To whom did you send money - 4
Q26_5
To whom did you send money - 5
Q26_6
To whom did you send money - 6
Q26A
How often do you send money
Q26B_1
Reasons for choosing main method to send money - 1
Q26B_2
Reasons for choosing main method to send money - 2
Q26B_3
Reasons for choosing main method to send money - 3
Q26B_4
Reasons for choosing main method to send money - 4
Q26B_5
Reasons for choosing main method to send money - 5
Q26B_6
Reasons for choosing main method to send money - 6
Q26B_7
Reasons for choosing main method to send money - 7
Q27_1
Regular sources of income - 1
Q27_2
Regular sources of income - 2
Q27_3
Regular sources of income - 3
Q27_4
Regular sources of income - 4
Q28
MAIN SOURCE OF INCOME
Q29_1_1
Ways of receiving money - SALARIES/WAGES FROM A COMPANY/BUSINESS_1
Q29_1_2
Ways of receiving money - SALARIES/WAGES FROM A COMPANY/BUSINESS_2
Q29_1_3
Ways of receiving money - SALARIES/WAGES FROM A COMPANY/BUSINESS_3
Q29_2_1
Ways of receiving money - SALARIES/WAGES FROM A FARM_1
Q29_2_2
Ways of receiving money - SALARIES/WAGES FROM A FARM_2
Q29_3_1
Ways of receiving money - SALARIES/WAGES FROM AN INDIVIDUAL_1
Q29_3_2
Ways of receiving money - SALARIES/WAGES FROM AN INDIVIDUAL_2
Q29_4_1
Ways of receiving money - SELF-EMPLOYED IN BUSINESS_1
Q29_4_2
Ways of receiving money - SELF-EMPLOYED IN BUSINESS_2
Q29_4_3
Ways of receiving money - SELF-EMPLOYED IN BUSINESS_3
Q29_5_1
Ways of receiving money - SELF-EMPLOYED IN FARMING_1
Q29_5_2
Ways of receiving money - SELF-EMPLOYED IN FARMING_2
Q29_5_3
Ways of receiving money - SELF-EMPLOYED IN FARMING_3
Q29_6
Ways of receiving money - RENTAL INCOME
Q29_7
Ways of receiving money - PRIVATE PENSION
Q29_8
Ways of receiving money - STATE PENSION
Q29_9
Ways of receiving money - MAINTENANCE GRANTS
Q29_10
Ways of receiving money - INTERESTS ON FINANCIAL INSTRUMENTS
Q29_11_1
Ways of receiving money - MONEY FROM FAMILY IN THE COUNTRY_1
Q29_11_2
Ways of receiving money - MONEY FROM FAMILY IN THE COUNTRY_2
Q29_11_3
Ways of receiving money - MONEY FROM FAMILY IN THE COUNTRY_3
Q29_11_4
Ways of receiving money - MONEY FROM FAMILY IN THE COUNTRY_4
Q29_12_1
Ways of receiving money - MONEY FROM FAMILY OUTSIDE THE COUNTRY_1
Q29_12_2
Ways of receiving money - MONEY FROM FAMILY OUTSIDE THE COUNTRY_2
Q29_13_1
Ways of receiving money - MONEY FROM FRIEND IN THE COUNTRY_1
Q29_13_2
Ways of receiving money - MONEY FROM FRIEND IN THE COUNTRY_2
Q29_13_3
Ways of receiving money - MONEY FROM FRIEND IN THE COUNTRY_3
Q29_13_4
Ways of receiving money - MONEY FROM FRIEND IN THE COUNTRY_4
Q29_14
Ways of receiving money - MONEY FROM FRIEND OUTSIDE THE COUNTRY
Q29_15_1
Ways of receiving money - MONEY FROM BUSINESS INVESTMENTS IN THE COUNTRY_1
Q29_15_2
Ways of receiving money - MONEY FROM BUSINESS INVESTMENTS IN THE COUNTRY_2
Q29_15_3
Ways of receiving money - MONEY FROM BUSINESS INVESTMENTS IN THE COUNTRY_3
Q29_17_1
Ways of receiving money - MONEY FROM FAMILY_1
Q29_17_2
Ways of receiving money - MONEY FROM FAMILY_2
Q29_18
Ways of receiving money - MOENY FROM CHURCH
Q29_19_1
Ways of receiving money - SCHOOL FEES_1
Q29_19_2
Ways of receiving money - SCHOOL FEES_2
Q29_19_3
Ways of receiving money - SCHOOL FEES_3
Q29_20_1
Ways of receiving money - WORK (NOT SPECIFIED IF SELF-EMPLOYED OR IN PAID EMPLOY
Q29_20_2
Ways of receiving money - WORK (NOT SPECIFIED IF SELF-EMPLOYED OR IN PAID EMPLOY
Q29_21_1
Ways of receiving money - PIECE WORK_1
Q29_21_2
Ways of receiving money - PIECE WORK_2
Q29_95
Ways of receiving money - OTHERS_1
Q30_1
Frequency of receiving money - SALARIES/WAGES FROM A COMPANY/BUSINESS
Q30_2
Frequency of receiving money - SALARIES/WAGES FROM A FARM
Q30_3
Frequency of receiving money - SALARIES/WAGES FROM AN INDIVIDUAL
Q30_4
Frequency of receiving money - SELF-EMPLOYED IN BUSINESS
Q30_5
Frequency of receiving money - SELF-EMPLOYED IN FARMING
Q30_6
Ways of receiving money - RENTAL INCOME
Q30_7
Ways of receiving money - PRIVATE PENSION
Q30_8
Ways of receiving money - STATE PENSION
Q30_9
Ways of receiving money - MAINTENANCE GRANTS
Q30_10
Ways of receiving money - INTERESTS ON FINANCIAL INSTRUMENTS
Q30_11
Frequency of receiving money - MONEY FROM FAMILY IN THE COUNTRY
Q30_12
Frequency of receiving money - MONEY FROM FAMILY OUTSIDE THE COUNTRY
Q30_13
Frequency of receiving money - MONEY FROM FRIEND IN THE COUNTRY
Q30_14
Frequency of receiving money - MONEY FROM FRIEND OUTSIDE THE COUNTRY
Q30_15
Frequency of receiving money - MONEY FROM BUSINESS INVESTMENTS IN THE COUNTRY
Q30_17
Frequency of receiving money - MONEY FROM FAMILY
Q30_18
Frequency of receiving money - MONEY FROM CHURCH
Q30_19
Frequency of receiving money - SCHOOL FEES
Q30_20
Frequency of receiving money - WORK (NOT SPECIFIED IF SELF-EMPLOYED OR IN PAID E
Q30_21
Frequency of receiving money - PIECE WORK
Q30_95
Frequency of receiving money - OTHERS
Q31
Prefer money to be paid to you by
Q32
Main source of income - Industries/Sectors
Q33_1
Other industries / sectors - 1
Q33_2
Other industries / sectors - 2
Q33_3
Other industries / sectors - 3
Q34
Type of farm
Q35
Ownership of farm
Q36
Have Title Deeds
Q37
Financing for agricultural inputs
Q38_1
Finance provider - 1
Q38_2
Finance provider - 2
Q38_3
Finance provider - 3
Q39_1
Repayment - BANK LOAN
Q39_2_1
Repayment - GOVERNMENT FINANCE SCHEME_1
Q39_2_2
Repayment - GOVERNMENT FINANCE SCHEME_2
Q39_2_3
Repayment - GOVERNMENT FINANCE SCHEME_3
Q39_2_4
Repayment - GOVERNMENT FINANCE SCHEME_4
Q39_3_1
Repayment - OUTGROWERS FINANCE SCHEME_1
Q39_3_2
Repayment - OUTGROWERS FINANCE SCHEME_2
Q39_4
Repayment - MICROFINANCE INSTITUTION LOAN
Q39_5_1
Repayment - CO-OPERATIVE FINANCING SCHEME_1
Q39_5_2
Repayment - CO-OPERATIVE FINANCING SCHEME_2
Q39_6_1
Repayment - NGO/DONOR FINANCING SCHEME_1
Q39_6_2
Repayment - NGO/DONOR FINANCING SCHEME_2
Q39_7_1
Repayment - FAMILY/FRIEND/NEIGHBOUR_1
Q39_7_2
Repayment - FAMILY/FRIEND/NEIGHBOUR_2
Q39_8_1
Repayment - SELF_1
Q39_8_2
Repayment - SELF_2
Q39_8_3
Repayment - SELF_3
Q39_8_4
Repayment - SELF_4
Q39_9
Repayment - FAITH ORGANISATION
Q39_10
Repayment - GRANTS
Q39_95_1
Repayment - OTHER_1
Q39_95_2
Repayment - OTHER_2
Q40
CLEAR FINANCIAL OBLIGATIONS
Q41_1
Personal loan from bank
Q41_2
Loan from bank to buy a vehicle
Q41_3
Loan from bank to buy a house
Q41_4
Loan from a Government Scheme to buy a house
Q41_5
Loan from a Microfinance Institution
Q41_6
Loan from an employer to buy a house
Q41_7
Loan from an employer to buy a vehicle
Q41_8
Other loan from employer
Q41_9
Loan from family/friend to buy a house
Q41_10
Loan from family/friend to buy a vehicle
Q41_11
Other loan from family/friend
Q41_12
Loan from an informal money lender/Kaloba
Q41_13
Loan from Savings Club/Chilimba
Q42_1
Loan purpose - 1
Q42_2
Loan purpose - 2
Q42_3
Loan purpose - 3
Q43_1
Loan provider FOR HOUSE RENOVATION/EXTENSION
Q43_2
Loan provider TO PURCHASE LAND
Q43_3
Loan provider MONEY FOR MY EDUCATION
Q43_4_1
Loan provider TO PAY FOR CHILDREN'S SCHOOL FEES - 1
Q43_4_2
Loan provider TO PAY FOR CHILDREN'S SCHOOL FEES - 2
Q43_5_1
Loan provider TO START A BUSINESS - 1
Q43_5_2
Loan provider TO START A BUSINESS - 2
Q43_6_1
Loan provider TO EXPAND BUSINESS - 1
Q43_6_2
Loan provider TO EXPAND BUSINESS - 2
Q43_7
Loan provider FOR A BURIAL/FUNERAL
Q43_8_1
Loan provider FOR MEDICAL EXPENSES - 1
Q43_8_2
Loan provider FOR MEDICAL EXPENSES - 2
Q43_9
Loan provider FOR TRAVEL OR HOLIDAY
Q43_10_1
Loan provider TO BUY FOOD/CLOTHING - 1
Q43_10_2
Loan provider TO BUY FOOD/CLOTHING - 2
Q43_11
Loan provider TO BUY FURNITURE/ELECTRIAL APPLIANCES
Q43_12_1
Loan provider TO PAY FOR WATER/ELECTRICITY/TELEPHONE - 1
Q43_12_2
Loan provider TO PAY FOR WATER/ELECTRICITY/TELEPHONE - 2
Q43_13_1
Loan provider TO PAY OFF DEBTS - 1
Q43_13_2
Loan provider TO PAY OFF DEBTS - 2
Q43_14
Loan provider TO PURCHASE LIVESTOCK
Q43_15
Loan provider TO PURCHASE AGRICULTURAL EQUIPMENT
Q43_16
Loan provider TO CARE FOR A SICK RELATIVE
Q43_17
Loan provider TO FINANCE WORKING CAPITAL OF MY BUSINESS
Q43_18
Loan provider TO BUY A VEHICLE
Q43_19_1
Loan provider TO BUY A HOUSE - 1
Q43_19_2
Loan provider TO BUY A HOUSE - 2
Q43_21
Loan provider TO BUY AGRICULTURAL INPUTS
Q43_22
Loan provider TO PAY RENTALS
Q43_23
Loan provider TO BUY TIMBER
Q43_24
Loan provider TO SAVE FOR SOMETHING
Q43_25
Loan provider TO SEND TO A FAMILY MEMBER
Recall_1
Recall (Q43) - 1
Recall_2
Recall (Q43) - 2
Recall_3
Recall (Q43) - 3
Q44_1
Insurance cover - 1
Q44_2
Insurance cover - 2
Q45_1
Reasons for missing a payment - 1
Q45_2
Reasons for missing a payment - 2
Q45_3
Reasons for missing a payment - 3
Q46_1
Factors to consider when getting a loan from - 1
Q46_2
Factors to consider when getting a loan from - 2
Q46_3
Factors to consider when getting a loan from - 3
Q46_4
Factors to consider when getting a loan from - 4
Q46_5
Factors to consider when getting a loan from - 5
Q46_6
Factors to consider when getting a loan from - 6
Q46_7
Factors to consider when getting a loan from - 7
Q46_8
Factors to consider when getting a loan from - 8
Q46_9
Factors to consider when getting a loan from - 9
Q47
Have you been refused a loan
Q48_1
Reason for refusal - 1
Q48_2
Reason for refusal - 2
Q48_3
Reason for refusal - 3
Q48_4
Reason for refusal - 4
Q49_1
Most important item to pay - 1
Q49_2
Most important item to pay - 2
Q49_3
Most important item to pay - 3
Q50
Unable to pay bills and debts
Q51_1
Borrow money from family/friend/neighbour
Q51_2
Borrow money from a bank
Q51_3
Borrow money from a microfinance institution
Q51_4
Liquidate assets
Q51_5
Use own savings
Q51_6
Borrow money from a savings club/chilimba
Q51_7
Borrow money from a money lender/kaloba
Q51_8
Accept donation
Q51_9
Trade goods
Q51_10
Do nothing
Q51_11
Get advanced salary from employer
Q51_12
Wait until next farming period / wait until money is in
Q51_13
Explain the situation to the person / Negotiate for more time to pay
Q51_14
Use rentals
Q51_15
Borrow from employer
Q51_16
Carry out some piece work
Q51_17
Claim money from debtors
Q51_18
Ask assistance from social welfare organisations
Q51_19
Use family savings
Q51_20
Pray
Q52
Proportion of monthly income used to pay off debts
Q53_1
Ways of investing or growing money - 1
Q53_2
Ways of investing or growing money - 2
Q53_3
Ways of investing or growing money - 3
Q53_4
Ways of investing or growing money - 4
Q53_5
Ways of investing or growing money - 5
Q53_6
Ways of investing or growing money - 6
Q53_7
Ways of investing or growing money - 7
Q53_8
Ways of investing or growing money - 8
Q53_9
Ways of investing or growing money - 9
Q53_10
Ways of investing or growing money - 10
Q53_11
Ways of investing or growing money - 11
Q53_12
Ways of investing or growing money - 13
Q53_13
Ways of investing or growing money - 14
Q53_14
Ways of investing or growing money - 15
Q53_15
Ways of investing or growing money - 16
Q53_16
Ways of investing or growing money - 17
Q53_17
Ways of investing or growing money - 18
Q53_18
Ways of investing or growing money - 19
Q53_19
Ways of investing or growing money - 20
Q54_1
Investment in another house / flat / property that you rent out
Q54_2
Investment in a plot of vacant land - residential or commercial
Q54_3
Investment in land for agricultural usage
Q54_4
Investment in cattle or livestock
Q54_5
Investment in agricultural equipment
Q54_6
Shares on the stock exchange
Q54_7
Investment in your own existing business
Q54_8
Investment in somebody else's business
Q54_9
Treasury Bills / Government Bonds
Q54_10
Unit trusts
Q54_11
Invest in other countries
Q54_12
Starting a business
Q54_13
Lending money to other people and benefiting from their profit or earning intere
Q54_14
Life insurance
Q54_15
Improving your home
Q54_16
Voluntary contributions to a pension
Q54_17
Pay loan faster or settle outstanding balance sooner
Q54_18
Savings product with an MFI
Total: 902
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