FinScope 2009, Financial Inclusion

Zambia, 2009

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Reference ID

ZMB_2009_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 2009 v1.0 Stata11

2009 FinScope survey data

Cases:	4000
Variables:	1163

Variables

S7Q3C_2

Savings products..... Savings at another financial organisation like a microfina

S7Q3C_3

Savings products..... Savings with your employer

S7Q3C_4

Savings products..... Savings with a savings club eg Chilimba, ROSCA, ASCA

S7Q3C_5

Savings products..... Savings with another community group or church

S7Q3C_6

Savings products..... Savings in the form of cash at home or in a secret hiding

S7Q3C_7

Savings products..... Savings in the form of cash kept safe by carrying it aroun

S7Q3C_8

Savings products..... Savings by means of money that you gave to a household or

S7Q3C_9

Savings products..... Saving by means of money you gave to someone else for safe

S7Q3C_10

Savings products..... Savings by means of buying farming/fishing inputs in advan

S7Q3C_11

Savings products..... Savings in Treasury Bills or Government Bonds

S7Q3C_12

Savings products..... Savings in unit trusts

S7Q3C_13

Savings products..... Is there any other form of savings that I have not mention

S7Q3DA_1

First Institution.... Savings at a bank

S7Q3DA_2

First Institution.... Savings at another financial organisation like a microfina

S7Q3DA_3

First Institution.... Savings with your employer

S7Q3DA_4

First Institution.... Savings with a savings club eg Chilimba, ROSCA, ASCA

S7Q3DA_5

First Institution.... Savings with another community group or church

S7Q3DA_6

First Institution.... Savings in the form of cash at home or in a secret hiding

S7Q3DA_7

First Institution.... Savings in the form of cash kept safe by carrying it aroun

S7Q3DA_8

First Institution.... Savings by means of money that you gave to a household or

S7Q3DA_9

First Institution.... Saving by means of money you gave to someone else for safe

S7Q3DA_10

First Institution.... Savings by means of buying farming/fishing inputs in advan

S7Q3DA_11

First Institution.... Savings in Treasury Bills or Government Bonds

S7Q3DA_12

First Institution.... Savings in unit trusts

S7Q3DA_13

First Institution.... Is there any other form of savings that I have not mention

S7Q3CA_1

S7Q3CA.1: Why are you not saving......?

S7Q3CA_2

S7Q3CA.2: Why are you not saving......?

S7Q3CA_3

S7Q3CA.3: Why are you not saving......?

S7Q3CA_4

S7Q3CA.4: Why are you not saving......?

S7Q3CD_1

S7Q3CD.1: What are you saving.......for?

S7Q3CD_2

S7Q3CD.2: What are you saving.......for?

S7Q3CD_3

S7Q3CD.3: What are you saving.......for?

S7Q3CD_4

S7Q3CD.4: What are you saving.......for?

S7Q3CD_5

S7Q3CD.5: What are you saving.......for?

S7Q3CD_6

S7Q3CD.6: What are you saving.......for?

S7Q3CD_7

S7Q3CD.7: What are you saving.......for?

S7Q3CD_8

S7Q3CD.8: What are you saving.......for?

S7Q5A_1

Have you put money for later reselling for cash or profit...... Property - inclu

S7Q5A_2

Have you put money for later reselling for cash or profit...... Investments outs

S7Q5A_3

Have you put money for later reselling for cash or profit...... Vacant land (inc

S7Q5A_4

Have you put money for later reselling for cash or profit...... Cattle and/or ot

S7Q5A_5

Have you put money for later reselling for cash or profit...... Farming equipmen

S7Q5A_6

Have you put money for later reselling for cash or profit...... Fishing equipmen

S7Q5A_7

Have you put money for later reselling for cash or profit...... Improving, exten

S7Q5A_8

Have you put money for later reselling for cash or profit...... Investment in yo

S7Q5A_9

Have you put money for later reselling for cash or profit...... Investment in so

S7Q5A_10

Have you put money for later reselling for cash or profit...... Buying agricultu

S7Q5A_11

Have you put money for later reselling for cash or profit...... Buying shares /s

S7Q5A_12

S7Q5A.12: Yes/No

S7Q6_1

S7Q6.1: What are the things you would take into account......you mon

S7Q6_2

S7Q6.2: What are the things you would take into account......you mon

S7Q6_3

S7Q6.3: What are the things you would take into account......you mon

S7Q6_4

S7Q6.4: What are the things you would take into account......you mon

S7Q6_5

S7Q6.5: What are the things you would take into account......you mon

S7Q6_6

S7Q6.6: What are the things you would take into account......you mon

S7Q6_7

S7Q6.7: What are the things you would take into account......you mon

S7Q6_8

S7Q6.8: What are the things you would take into account......you mon

S7Q6_9

S7Q6.9: What are the things you would take into account......you mon

S7Q6_10

S7Q6.10: What are the things you would take into account......you mon

S8Q2A

8.2.1 Did you borrow any money from any body or any institut

S8Q2B

8.2.2 Have you been paying back money that you borrowed ...

S8Q2C

8.2.3 During the past 12 months did you get any goods/servic

S8Q4D

What proportion of your.....money that you owe?

S8Q4E

In the past 12 months, have you missed a payment?

S8Q6

In the past 12 months, have you been refused a loan?

S8Q1A_1

When buying on credit you find it usually ends up being more expensive than you

S8Q1A_2

You avoid borrowing money if you can

S8Q1A_3

Without credit / taking a loan, you would not be able to feed your family

S8Q1A_4

If you borrow money it is okay to pay it a bit later than agreed

S8Q1A_5

If you borrow from your family, most of the time they do not expect you to pay

S8Q1A_6

It is okay to borrow money to pay back outstanding debt

S8Q1A_7

You have a good idea of the amount of interest you pay when you borrow money th

S8Q1A_8

Being able to borrow money when you need it is more important than the amount o

S8Q1A_9

Taking a loan or credit for someone else is a risky thing to do

S8Q1A_10

It is better to remain with debt than to sell something to pay it

S8Q1A_11

It is better to keep savings than to use it to pay a debt

S8Q1A_12

You would consider using a money lender (Kaloba,shylock) in an emergency

S8Q1A_13

You have used a money lender (Kaloba, shylock) in the past

S8Q1A_14

A lender has taken your security/collateral in the past

S8Q1A_15

It is embarrassing to borrow money or buy on credit

S8Q2DAB

Second Institution

S8Q2DAC

Third Institution

S8Q2DAD

Fourth Institution

S8Q2DB

S8Q2DC

S8Q2DD

S8Q2DE

S8Q2DA_1

Product..... Borrowed money from a bank

S8Q2DA_2

Product..... Borrowed money from another financial institution (eg Microfinance

S8Q2DA_3

Product..... Got a loan from the Government Scheme/Institution

S8Q2DA_4

Product..... Borrowed money from your employer

S8Q2DA_5

Product..... Borrowed money from family/friends that you had to pay back

S8Q2DA_6

Product..... Got money from family/friends that you did not have to pay back

S8Q2DA_7

Product..... Borrowed money from savings club (eg Chilimba, ROSCA, ASCA)

S8Q2DA_8

Product..... Borrowed money from a money lender (Kaloba, shylock)

S8Q2DA_9

Product..... Borrowed goods from a farmer/someone else to sell (marketeering)

S8Q2DA_10

Product..... Borrowed money/got goods in advance from an agricultural buyer

S8Q2DA_11

Product..... Borrowed money/got goods in advance from a farmers organisation

S8Q2DA_12

Product..... Borrowed money from a church or other community based organisation

S8Q2DA_13

Product..... Got goods in advance from a shop/store and had to pay back later

S8Q2DA_14

Product..... Did you borrow money or get goods in advance from any other source

S8Q2DAA_1

First Institution..... Borrowed money from a bank

S8Q2DAA_2

First Institution..... Borrowed money from another financial institution (eg Mic

S8Q2DAA_3

First Institution..... Got a loan from the Government Scheme/Institution

S8Q2DAA_4

First Institution..... Borrowed money from your employer

S8Q2DAA_5

First Institution..... Borrowed money from family/friends that you had to pay ba

S8Q2DAA_6

First Institution..... Got money from family/friends that you did not have to pa

S8Q2DAA_7

First Institution..... Borrowed money from savings club (eg Chilimba, ROSCA, ASC

S8Q2DAA_8

First Institution..... Borrowed money from a money lender (Kaloba, shylock)

S8Q2DAA_9

First Institution..... Borrowed goods from a farmer/someone else to sell (market

S8Q2DAA_10

First Institution..... Borrowed money/got goods in advance from an agricultural

S8Q2DAA_11

First Institution..... Borrowed money/got goods in advance from a farmers organi

S8Q2DAA_12

First Institution..... Borrowed money from a church or other community based org

S8Q2DAA_13

First Institution..... Got goods in advance from a shop/store and had to pay bac

S8Q2DAA_14

First Institution..... Did you borrow money or get goods in advance from any oth

S8Q3_1

S8Q3.1: Why have you not borrowed money?

S8Q3_2

S8Q3.2: Why have you not borrowed money?

S8Q3_3

S8Q3.3: Why have you not borrowed money?

S8Q3_4

S8Q3.4: Why have you not borrowed money?

S8Q3_5

S8Q3.5: Why have you not borrowed money?

S8Q3_6

S8Q3.6: Why have you not borrowed money?

S8Q3_7

S8Q3.7: Why have you not borrowed money?

S8Q3_8

S8Q3.8: Why have you not borrowed money?

S8Q3_9

S8Q3.9: Why have you not borrowed money?

S8Q3_10

S8Q3.10: Why have you not borrowed money?

S8Q4B_1

How did you have to pay the money?...... Medical expenses/medical emergencies

S8Q4B_2

How did you have to pay the money?...... An emergency other than medical

S8Q4B_3

How did you have to pay the money?...... A wedding or lobola

S8Q4B_4

How did you have to pay the money?...... Funeral expenses

S8Q4B_5

How did you have to pay the money?...... Education or school fees (self or other

S8Q4B_6

How did you have to pay the money?...... Living expenses when you did not have m

S8Q4B_7

How did you have to pay the money?...... To pay water/electricity/telephone bill

S8Q4B_8

How did you have to pay the money?...... Farming expenses such as seeds, fertili

S8Q4B_9

How did you have to pay the money?...... To buy household goods such as fridge,

S8Q4B_10

How did you have to pay the money?...... Paying off another debt

S8Q4B_11

How did you have to pay the money?...... Buying land

S8Q4B_12

How did you have to pay the money?...... Buying or building a dwelling for you t

S8Q4B_13

How did you have to pay the money?...... Buying a dwelling or land to rent out

S8Q4B_14

How did you have to pay the money?...... Improving or renovating your dwelling

S8Q4B_15

How did you have to pay the money?...... Buying household appliances, goods or f

S8Q4B_16

How did you have to pay the money?...... Buying livestock

S8Q4B_17

How did you have to pay the money?...... Buying farming equipment or implements

S8Q4B_18

How did you have to pay the money?...... Buying a bicycle, motorcycle, car, truc

S8Q4B_19

How did you have to pay the money?...... Starting or expanding your business

S8Q4B_20

How did you have to pay the money?...... Putting money or goods into someone els

S8Q4B_21

How did you have to pay the money?...... To take care of a sick relative/relativ

S8Q4B_22

How did you have to pay the money?...... For another person to use

S8Q4B_23

How did you have to pay the money?...... Other specify

S8Q4B_24

S8Q4B.24: How did you have to pay the money?

S8Q4C_1

How many months...?... Medical expenses/medical emergencies

S8Q4C_2

How many months...?... An emergency other than medical

S8Q4C_3

How many months...?... A wedding or lobola

S8Q4C_4

How many months...?... Funeral expenses

S8Q4C_5

How many months...?... Education or school fees (self or others)

S8Q4C_6

How many months...?... Living expenses when you did not have money

S8Q4C_7

How many months...?... To pay water/electricity/telephone bills

S8Q4C_8

How many months...?... Farming expenses such as seeds, fertiliser or land prepar

S8Q4C_9

How many months...?... To buy household goods such as fridge, stove, etc

S8Q4C_10

How many months...?... Paying off another debt

S8Q4C_11

How many months...?... Buying land

S8Q4C_12

How many months...?... Buying or building a dwelling for you to live in

S8Q4C_13

How many months...?... Buying a dwelling or land to rent out

S8Q4C_14

How many months...?... Improving or renovating your dwelling

S8Q4C_15

How many months...?... Buying household appliances, goods or furniture

S8Q4C_16

How many months...?... Buying livestock

S8Q4C_17

How many months...?... Buying farming equipment or implements

S8Q4C_18

How many months...?... Buying a bicycle, motorcycle, car, truck or other transpo

S8Q4C_19

How many months...?... Starting or expanding your business

S8Q4C_20

How many months...?... Putting money or goods into someone elses business

S8Q4C_21

How many months...?... To take care of a sick relative/relatives

S8Q4C_22

How many months...?... For another person to use

S8Q4C_23

How many months...?... Other specify

S8Q4C_24

S8Q4C.24: How many months...?

S8Q4EA_1

S8Q4EA.1: Why did you miss a payment?

S8Q4EA_2

S8Q4EA.2: Why did you miss a payment?

S8Q4EA_3

S8Q4EA.3: Why did you miss a payment?

S8Q4EA_4

S8Q4EA.4: Why did you miss a payment?

S8Q4F_1

S8Q4F.1: What happens if you were to die before the money...repaid?

S8Q4F_2

S8Q4F.2: What happens if you were to die before the money...repaid?

S8Q4F_3

S8Q4F.3: What happens if you were to die before the money...repaid?

S8Q5_1

S8Q5.1: If you want to borrow money what are things.....to borrow?

S8Q5_2

S8Q5.2: If you want to borrow money what are things.....to borrow?

S8Q5_3

S8Q5.3: If you want to borrow money what are things.....to borrow?

S8Q5_4

S8Q5.4: If you want to borrow money what are things.....to borrow?

S8Q5_5

S8Q5.5: If you want to borrow money what are things.....to borrow?

S8Q5_6

S8Q5.6: If you want to borrow money what are things.....to borrow?

S8Q5_7

S8Q5.7: If you want to borrow money what are things.....to borrow?

S8Q5_8

S8Q5.8: If you want to borrow money what are things.....to borrow?

S8Q6A_1

S8Q6A.1: What was the reason for refusing you loan?

S8Q6A_2

S8Q6A.2: What was the reason for refusing you loan?

S8Q6A_3

S8Q6A.3: What was the reason for refusing you loan?

S9Q2ABB

Do you have any other type of account I have not mentioned?

S9Q2B

9.2.2. Do you currently have a bank account in your name

S9Q2BA

9.2.2. is this Acount(s)

S9Q2C

9.2.3 Are you using someone else's bank account

S9Q1A_1

If you are not employed in the formal sector you cannot open a bank account

S9Q1A_2

If you don't understand technology you cant get a bank account

S9Q1A_3

Having a bank account makes it easier to get credit

S9Q1A_4

You can easily live your life without a bank account

S9Q1A_5

When you receive your bank statement you check the details

S9Q1A_6

You would change your bank account if another bank offers better products

S9Q1A_7

You always look around where you can find the best interest rates

S9Q1A_8

Most services from banks are also offered elsewhere

S9Q1A_9

Banks try to understand your needs and offer products that meet them

S9Q1A_10

You trust banks with your money

S9Q2AC

Third Institution

S9Q2A_1

9.2 Product status.... ATM / Cashpoint Card

S9Q2A_2

9.2 Product status.... Debit Card / Connect Card

S9Q2A_3

9.2 Product status.... Current/Cheque Account

S9Q2A_4

9.2 Product status.... Savings Account

S9Q2A_5

9.2 Product status.... Fixed Deposit Account

S9Q2A_6

9.2 Product status.... Notice Deposit Account/Call Account

S9Q2A_7

9.2 Product status.... Visa Electron Account

S9Q2A_8

9.2 Product status.... Unit Trust Account

S9Q2A_9

9.2 Product status.... High Interest Savings Account

S9Q2A_10

9.2 Product status.... Foreign currency account (eg Dollar account or Pound acco

S9Q2A_11

9.2 Product status.... Bank Account outside of Zambia

S9Q2A_12

9.2 Product status.... Credit Card

S9Q2A_13

9.2 Product status.... Bank overdraft

S9Q2A_14

9.2 Product status.... Standing Order

S9Q2A_15

9.2 Product status.... Loan account

S9Q2A_16

9.2 Product status.... Internet banking

S9Q2A_17

9.2 Product status.... Cell phone banking

S9Q2AA_1

first Institution... ATM / Cashpoint Card

S9Q2AA_2

first Institution... Debit Card / Connect Card

S9Q2AA_3

first Institution... Current/Cheque Account

S9Q2AA_4

first Institution... Savings Account

S9Q2AA_5

first Institution... Fixed Deposit Account

S9Q2AA_6

first Institution... Notice Deposit Account/Call Account

S9Q2AA_7

first Institution... Visa Electron Account

S9Q2AA_8

first Institution... Unit Trust Account

S9Q2AA_9

first Institution... High Interest Savings Account

S9Q2AA_10

first Institution... Foreign currency account (eg Dollar account or Pound accoun

S9Q2AA_11

first Institution... Bank Account outside of Zambia

S9Q2AA_12

first Institution... Credit Card

S9Q2AA_13

first Institution... Bank overdraft

S9Q2AA_14

first Institution... Standing Order

S9Q2AA_15

first Institution... Loan account

S9Q2AA_16

first Institution... Internet banking

S9Q2AA_17

first Institution... Cell phone banking

S9Q2AB_1

Second Institution.... ATM / Cashpoint Card

S9Q2AB_2

Second Institution.... Debit Card / Connect Card

S9Q2AB_3

Second Institution.... Current/Cheque Account

S9Q2AB_4

Second Institution.... Savings Account

S9Q2AB_5

Second Institution.... Fixed Deposit Account

S9Q2AB_6

Second Institution.... Notice Deposit Account/Call Account

S9Q2AB_7

Second Institution.... Visa Electron Account

S9Q2AB_8

Second Institution.... Unit Trust Account

S9Q2AB_9

Second Institution.... High Interest Savings Account

S9Q2AB_10

Second Institution.... Foreign currency account (eg Dollar account or Pound acco

S9Q2AB_11

Second Institution.... Bank Account outside of Zambia

S9Q2AB_12

Second Institution.... Credit Card

S9Q2AB_13

Second Institution.... Bank overdraft

S9Q2AB_14

Second Institution.... Standing Order

S9Q2AB_15

Second Institution.... Loan account

S9Q2AB_16

Second Institution.... Internet banking

S9Q2AB_17

Second Institution.... Cell phone banking

S9Q2CA_1

S9Q2CA.1: Whose account are you using?

S9Q2CA_2

S9Q2CA.2: Whose account are you using?

S9Q2D_1

S9Q2D.1: Reasons why people often do not have a bank account or use b

S9Q2D_2

S9Q2D.2: Reasons why people often do not have a bank account or use b

S9Q2D_3

S9Q2D.3: Reasons why people often do not have a bank account or use b

S9Q2D_4

S9Q2D.4: Reasons why people often do not have a bank account or use b

S9Q2D_5

S9Q2D.5: Reasons why people often do not have a bank account or use b

S9Q3B_1

Transaction..... Cash a cheque

S9Q3B_2

Transaction..... Deposit cash into a bank account

S9Q3B_3

Transaction..... Deposit a cheque into bank account

S9Q3B_4

Transaction..... Cash withdrawal from a bank account

S9Q3B_5

Transaction..... Paid people/bills per cheque

S9Q3B_6

Transaction..... Used cash point/ATM

S9Q3B_7

Transaction..... Money transfers between your own bank accounts

S9Q3B_8

Transaction..... Money transfer to another person's bank account

S9Q3B_9

Transaction..... Received money from someone in a bank account

S9Q3B_10

Transaction..... Set up a debit order

S9Q3B_11

Transaction..... Set up a stop order

S9Q3B_12

Transaction..... Draw a bank cheque

S9Q3B_13

Transaction..... Get a bank statement

S9Q3B_14

Transaction..... Internet banking transaction

S9Q3B_15

Transaction..... Mobile banking transaction

S9Q3C_1

Where did you do this..... Cash a cheque

S9Q3C_2

Where did you do this..... Deposit cash into a bank account

S9Q3C_3

Where did you do this..... Deposit a cheque into bank account

S9Q3C_4

Where did you do this..... Cash withdrawal from a bank account

S9Q3C_5

Where did you do this..... Paid people/bills per cheque

S9Q3C_6

Where did you do this..... Used cash point/ATM

S9Q3C_7

Where did you do this..... Money transfers between your own bank accounts

S9Q3C_8

Where did you do this..... Money transfer to another person's bank account

S9Q3C_9

Where did you do this..... Received money from someone in a bank account

S9Q3C_10

Where did you do this..... Set up a debit order

S9Q3C_11

Where did you do this..... Set up a stop order

S9Q3C_12

Where did you do this..... Draw a bank cheque

S9Q3C_13

Where did you do this..... Get a bank statement

S9Q3C_14

Where did you do this..... Internet banking transaction

S9Q3C_15

Where did you do this..... Mobile banking transaction

S9Q4_1

S9Q4.1: What do you think are the advantages of using a bank account

S9Q4_2

S9Q4.2: What do you think are the advantages of using a bank account

S9Q4_3

S9Q4.3: What do you think are the advantages of using a bank account

S9Q4_4

S9Q4.4: What do you think are the advantages of using a bank account

S9Q4_5

S9Q4.5: What do you think are the advantages of using a bank account

S9Q4_6

S9Q4.6: What do you think are the advantages of using a bank account

Total: 1163

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