2020 FinScope Survey
Fourth Edition

Zambia, 2020

Get Microdata

Reference ID

ZMB-ZSA-FINSCOPE-2020-V1.0

Producer(s)

Zambia Statistics Agency

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Aug 17, 2025

Last modified

Feb 26, 2026

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Data file: 2020 Finscope data 7 July 2022_anonymised

Cases:	12781
Variables:	1447

Variables

E22_1_S

E.22_1_S. Specify what your main source of money would be if you needed it in 1

E22_2

E.22.2 What would be your MAIN source of money if you needed it in 3 days?

E22_2_S

E.22_2_S. Specify what your main source of money would be if you needed it in 3

E22_3

E.22.3 What would be your MAIN source of money if you needed it in 1 week?

E22_3_S

E.22_3_S. Specify what your main source of money would be if you needed it in 1

E23

E.23 Are you doing anything to make sure you have money for the things you want

E24

E.24 What are you doing about it now?

E24_S

E.24_S. Specify what you are doing about it.

E25

E.25 We all have something that we would like to do or get for ourselves and our

E25_S

E.25_S. Specify what that will be for you.

E26

E.26 How will you MAINLY ensure that you have money to meet your needs when you

E26_S

E.26_S. Specify how you will mainly ensure that you have money to meet your need

E27

E.27 Compared to one year ago, would you say your financial status has improved

E28_1

E.28.1. Do you personally keep an eye on financial matters, such as changes in:

E28_2

E.28.2. Do you personally keep an eye on financial matters, such as changes in:

E28_3

E.28.3. Do you personally keep an eye on financial matters, such as changes in:

E28_4

E.28.4. Do you personally keep an eye on financial matters, such as changes in:

E28_5

E.28.5. Do you personally keep an eye on financial matters, such as changes in:

E28_6

E.28.6. Do you personally keep an eye on financial matters, such as changes in:

E28_7

E.28.7. Do you personally keep an eye on financial matters, such as changes in:

E28_8

E.28.8. Do you personally keep an eye on financial matters, such as changes in:

E28_9

E.28.9. Do you personally keep an eye on financial matters, such as changes in:

E29_1

E.29.1. How do you tend to monitor the Pension Industry?

E29_1_S

E.29_1_S. Specify how you monitor the Pension Industy.

E29_2

E.29.2. How do you tend to monitor the stock market?

E29_2_S

E.29_2_S. Specify how you monitor the stock market.

E29_3

E.29.3. How do you tend to monitor the currency (money) market?

E29_3_S

E.29_3_S. Specify how you monitor the currency (money) market.

E29_4

E.29.4. How do you tend to monitor Interest rates?

E29_4_S

E.29_4_S. Specify how you monitor Interest rates

E29_5

E.29.5. How do you tend to monitor Inflation?

E29_5_S

E.29_5_S. Specify how you monitor Inflation.

E29_6

E.29.6. How do you tend to monitor Taxation?

E29_6_S

E.29_6_S. Specify how you monitor Taxation

E29_7

E.29.7. How do you tend to monitor the job market?

E29_7_S

E.29_7_S. Specify how you monitor the job market

E29_8

E.29.8. How do you tend to monitor the Housing market?

E29_8_S

E.29_8_S. Specify how you monitor the Housing market

E29_9

E.29.9. How do you tend to monitor Zambian Government budgets?

E29_9_S

E.29_9_S. Specify how you monitor Zambian Government budgets.

E30

E.30 Five (5) brothers are given a gift of K10,000. IF they divide the money equ

E31

E.31 If you put K10,000 into an account and you are guaranteed 2% interest per y

E32

E.32 If you see the same radio in two shops, A and B. The cost is K10,000. Shop

E33

E.33 If you have K5,000 to buy food per month and other household members contri

F1_1

F.1.1. People have different ways of describing what it means to save. Which of

F1_2

F.1.2. When you think about saving money for the future, which of these timefram

F2_1

F.2.1 You sometimes don?t buy things that you want in order to save money

F2_2

F.2.2 You save or put money away for a specific purpose and you do not use it fo

F2_3

F.2.3 You save or put money away for a specific purpose but you end up using it

F2_4

F.2.4 You try different savings options to find the one where you can get the m

F3_S

F3_S. Specify other savings product

F3_I

F.3i You said that you saved with someone in the community, do you pay for ... s

F3_1

F3.1: F3 Savings products

F3_A_1

F3_A.1: F.3a Do you have ...

F3_B_1

F3_B.1: F.3b In general, how often do you put money aside using ?..

F3_C_1

F3_C.1: F.3c Approximately how much money do you save every time you save using

F3_D_1

F3_D.1: F.3d When did you last use ? ?

F3_E_1

F3_E.1: F.3e Why did you not use ... more often?

F3_F_1

F3_F.1: F.3f Is ... the product that suits your savings needs best?

F3_2

F3.2: F3 Savings products

F3_A_2

F3_A.2: F.3a Do you have ...

F3_B_2

F3_B.2: F.3b In general, how often do you put money aside using ?..

F3_C_2

F3_C.2: F.3c Approximately how much money do you save every time you save using

F3_D_2

F3_D.2: F.3d When did you last use ? ?

F3_E_2

F3_E.2: F.3e Why did you not use ... more often?

F3_F_2

F3_F.2: F.3f Is ... the product that suits your savings needs best?

F3_3

F3.3: F3 Savings products

F3_A_3

F3_A.3: F.3a Do you have ...

F3_B_3

F3_B.3: F.3b In general, how often do you put money aside using ?..

F3_C_3

F3_C.3: F.3c Approximately how much money do you save every time you save using

F3_D_3

F3_D.3: F.3d When did you last use ? ?

F3_E_3

F3_E.3: F.3e Why did you not use ... more often?

F3_F_3

F3_F.3: F.3f Is ... the product that suits your savings needs best?

F3_4

F3.4: F3 Savings products

F3_A_4

F3_A.4: F.3a Do you have ...

F3_B_4

F3_B.4: F.3b In general, how often do you put money aside using ?..

F3_C_4

F3_C.4: F.3c Approximately how much money do you save every time you save using

F3_D_4

F3_D.4: F.3d When did you last use ? ?

F3_E_4

F3_E.4: F.3e Why did you not use ... more often?

F3_F_4

F3_F.4: F.3f Is ... the product that suits your savings needs best?

F3_5

F3.5: F3 Savings products

F3_A_5

F3_A.5: F.3a Do you have ...

F3_B_5

F3_B.5: F.3b In general, how often do you put money aside using ?..

F3_C_5

F3_C.5: F.3c Approximately how much money do you save every time you save using

F3_D_5

F3_D.5: F.3d When did you last use ? ?

F3_E_5

F3_E.5: F.3e Why did you not use ... more often?

F3_F_5

F3_F.5: F.3f Is ... the product that suits your savings needs best?

F3_6

F3.6: F3 Savings products

F3_A_6

F3_A.6: F.3a Do you have ...

F3_B_6

F3_B.6: F.3b In general, how often do you put money aside using ?..

F3_C_6

F3_C.6: F.3c Approximately how much money do you save every time you save using

F3_D_6

F3_D.6: F.3d When did you last use ? ?

F3_E_6

F3_E.6: F.3e Why did you not use ... more often?

F3_F_6

F3_F.6: F.3f Is ... the product that suits your savings needs best?

F3_7

F3.7: F3 Savings products

F3_A_7

F3_A.7: F.3a Do you have ...

F3_B_7

F3_B.7: F.3b In general, how often do you put money aside using ?..

F3_C_7

F3_C.7: F.3c Approximately how much money do you save every time you save using

F3_D_7

F3_D.7: F.3d When did you last use ? ?

F3_E_7

F3_E.7: F.3e Why did you not use ... more often?

F3_F_7

F3_F.7: F.3f Is ... the product that suits your savings needs best?

F3_8

F3.8: F3 Savings products

F3_A_8

F3_A.8: F.3a Do you have ...

F3_B_8

F3_B.8: F.3b In general, how often do you put money aside using ?..

F3_C_8

F3_C.8: F.3c Approximately how much money do you save every time you save using

F3_D_8

F3_D.8: F.3d When did you last use ? ?

F3_E_8

F3_E.8: F.3e Why did you not use ... more often?

F3_F_8

F3_F.8: F.3f Is ... the product that suits your savings needs best?

F3_9

F3.9: F3 Savings products

F3_A_9

F3_A.9: F.3a Do you have ...

F3_B_9

F3_B.9: F.3b In general, how often do you put money aside using ?..

F3_C_9

F3_C.9: F.3c Approximately how much money do you save every time you save using

F3_D_9

F3_D.9: F.3d When did you last use ? ?

F3_E_9

F3_E.9: F.3e Why did you not use ... more often?

F3_F_9

F3_F.9: F.3f Is ... the product that suits your savings needs best?

F3_10

F3.10: F3 Savings products

F3_A_10

F3_A.10: F.3a Do you have ...

F3_B_10

F3_B.10: F.3b In general, how often do you put money aside using ?..

F3_C_10

F3_C.10: F.3c Approximately how much money do you save every time you save using

F3_D_10

F3_D.10: F.3d When did you last use ? ?

F3_E_10

F3_E.10: F.3e Why did you not use ... more often?

F3_F_10

F3_F.10: F.3f Is ... the product that suits your savings needs best?

F3_11

F3.11: F3 Savings products

F3_A_11

F3_A.11: F.3a Do you have ...

F3_B_11

F3_B.11: F.3b In general, how often do you put money aside using ?..

F3_C_11

F3_C.11: F.3c Approximately how much money do you save every time you save using

F3_D_11

F3_D.11: F.3d When did you last use ? ?

F3_E_11

F3_E.11: F.3e Why did you not use ... more often?

F3_F_11

F3_F.11: F.3f Is ... the product that suits your savings needs best?

F3_12

F3.12: F3 Savings products

F3_A_12

F3_A.12: F.3a Do you have ...

F3_B_12

F3_B.12: F.3b In general, how often do you put money aside using ?..

F3_C_12

F3_C.12: F.3c Approximately how much money do you save every time you save using

F3_D_12

F3_D.12: F.3d When did you last use ? ?

F3_E_12

F3_E.12: F.3e Why did you not use ... more often?

F3_F_12

F3_F.12: F.3f Is ... the product that suits your savings needs best?

F3_13

F3.13: F3 Savings products

F3_A_13

F3_A.13: F.3a Do you have ...

F3_B_13

F3_B.13: F.3b In general, how often do you put money aside using ?..

F3_C_13

F3_C.13: F.3c Approximately how much money do you save every time you save using

F3_D_13

F3_D.13: F.3d When did you last use ? ?

F3_E_13

F3_E.13: F.3e Why did you not use ... more often?

F3_F_13

F3_F.13: F.3f Is ... the product that suits your savings needs best?

F3_14

F3.14: F3 Savings products

F3_A_14

F3_A.14: F.3a Do you have ...

F3_B_14

F3_B.14: F.3b In general, how often do you put money aside using ?..

F3_C_14

F3_C.14: F.3c Approximately how much money do you save every time you save using

F3_D_14

F3_D.14: F.3d When did you last use ? ?

F3_E_14

F3_E.14: F.3e Why did you not use ... more often?

F3_F_14

F3_F.14: F.3f Is ... the product that suits your savings needs best?

F3_15

F3.15: F3 Savings products

F3_A_15

F3_A.15: F.3a Do you have ...

F3_B_15

F3_B.15: F.3b In general, how often do you put money aside using ?..

F3_C_15

F3_C.15: F.3c Approximately how much money do you save every time you save using

F3_D_15

F3_D.15: F.3d When did you last use ? ?

F3_E_15

F3_E.15: F.3e Why did you not use ... more often?

F3_F_15

F3_F.15: F.3f Is ... the product that suits your savings needs best?

F3_16

F3.16: F3 Savings products

F3_A_16

F3_A.16: F.3a Do you have ...

F3_B_16

F3_B.16: F.3b In general, how often do you put money aside using ?..

F3_C_16

F3_C.16: F.3c Approximately how much money do you save every time you save using

F3_D_16

F3_D.16: F.3d When did you last use ? ?

F3_E_16

F3_E.16: F.3e Why did you not use ... more often?

F3_F_16

F3_F.16: F.3f Is ... the product that suits your savings needs best?

F3_17

F3.17: F3 Savings products

F3_A_17

F3_A.17: F.3a Do you have ...

F3_B_17

F3_B.17: F.3b In general, how often do you put money aside using ?..

F3_C_17

F3_C.17: F.3c Approximately how much money do you save every time you save using

F3_D_17

F3_D.17: F.3d When did you last use ? ?

F3_E_17

F3_E.17: F.3e Why did you not use ... more often?

F3_F_17

F3_F.17: F.3f Is ... the product that suits your savings needs best?

F3_18

F3.18: F3 Savings products

F3_A_18

F3_A.18: F.3a Do you have ...

F3_B_18

F3_B.18: F.3b In general, how often do you put money aside using ?..

F3_C_18

F3_C.18: F.3c Approximately how much money do you save every time you save using

F3_D_18

F3_D.18: F.3d When did you last use ? ?

F3_E_18

F3_E.18: F.3e Why did you not use ... more often?

F3_F_18

F3_F.18: F.3f Is ... the product that suits your savings needs best?

F3_19

F3.19: F3 Savings products

F3_A_19

F3_A.19: F.3a Do you have ...

F3_B_19

F3_B.19: F.3b In general, how often do you put money aside using ?..

F3_C_19

F3_C.19: F.3c Approximately how much money do you save every time you save using

F3_D_19

F3_D.19: F.3d When did you last use ? ?

F3_E_19

F3_E.19: F.3e Why did you not use ... more often?

F3_F_19

F3_F.19: F.3f Is ... the product that suits your savings needs best?

F3_20

F3.20: F3 Savings products

F3_A_20

F3_A.20: F.3a Do you have ...

F3_B_20

F3_B.20: F.3b In general, how often do you put money aside using ?..

F3_C_20

F3_C.20: F.3c Approximately how much money do you save every time you save using

F3_D_20

F3_D.20: F.3d When did you last use ? ?

F3_E_20

F3_E.20: F.3e Why did you not use ... more often?

F3_F_20

F3_F.20: F.3f Is ... the product that suits your savings needs best?

H12_S

H12_S. Specify other insurance product

F4

F.4 What is the main reason for you to keep your savings ?

F4_S

F.4_S. Specify the main reason for you to keep your savings.

F5

F.5 Thinking about the money you saved. What did you mainly save for?

F5_S

F.5_S. Specify what you mainly save for.

F6_1

F.6.1 You said you saved mainly to help you cope with regular expenses. What kin

F6_1_S

F.6.1_S. Specify what kind of expenses.

F6_2

F.6.2 You said you saved mainly to help you cope with unexpected expenses. What

F6_2_S

F.6.2_S. Specify what kind of expenses.

F6_3

F.6.3 You said you saved mainly for business purposes. What was this for?

F6_3_S

F.6.3_S. Specify what this was for.

F6_4

F.6.4 You said you mainly saved to help you with for farming/fishing expenses. W

F6_4_S

F.6.4_S. Specify what this was for.

F7

F.7 Approximately how much money do you currently have saved or put away?

F8

F.8 In the past 12 months, have you bought/built/started anything with the inten

F9

F.9 What was the last thing you bought/built/started for this purpose?

F9_S

F.9_S. Specify the last thing you bought/built/started for this purpose.

F10

F.10 In the past 12 months, have you bought/built/started anything with the inte

F11

F.11 What was the last thing you bought/built/started for this purpose?

F11_S

F.11_S. Specify the last thing you bought/built/started for this purpose.

F12

F12.1 Are you familiar with ...

F12_1

F12.1 Are you familiar with Securities and Exchange Commission (SEC)?

F12_2

F12.2 Are you familiar with Lusaka Securities Exchange (LuSE)?

F12_3

F12.3 Are you familiar with Capital Markets Association of Zambia (CMAZ)?

F12_4

F12.4 Are you familiar with Listed company e.g. ZAFFICO Plc. ZCCM IH, Zanaco Ban

F12_5

F12.5 Are you familiar with Dividends?

F12_6

F12.6 Are you familiar with Corporate bonds / Government bonds / Treasury Bills/

F12_7

F12.7 Are you familiar with Collective Investment Scheme or Unit Trust?

F12_8

F12.8 Are you familiar with Stockbroker / Dealer / Investment Adviser ?

F13_1

F.13.1 How did you first hear about Securities and Exchange Commission (SEC)?

F13_1S

F.13.1_S. Specify how you first heard about it.

F13_2

F.13.2 How did you first hear about Lusaka Securities Exchange (LuSE)?

F13_2S

F.13.2_S. Specify how you first heard about it.

F13_3

F.13.3 How did you first hear about Capital Markets Association of Zambia (CMAZ)

F13_3S

F.13.3_S. Specify how you first heard about it.

F13_4

F.13.4 How did you first hear about Listed company e.g. ZAFFICO Plc. ZCCM IH, Za

F13_4S

F.13.4_S. Specify how you first heard about it.

F13_5

F.13.5 How did you first hear about Dividends?

F13_5S

F.13.5_S. Specify how you first heard about it.

F13_6

F.13.6 How did you first hear about Corporate bonds / Government bonds / Treasur

F13_6S

F.13.6_S. Specify how you first heard about it.

F13_7

F.13.7 How did you first hear about Collective Investment Scheme or Unit Trust?

F13_7S

F.13.7_S. Specify how you first heard about it.

F13_8

F.13.8 How did you first hear about Stockbroker / Dealer / Investment Adviser?

F13_8S

F.13.8_S. Specify how you first heard about it.

F14

F.14 Please tell me which of the following you agree with? Read out; Multiple me

F14_1

F.14.1 An individual can invest in Treasury bills/bonds/shares/collective invest

F14_2

F.14.2 Investing in Treasury bills/bonds/shares/collective investment schemes (u

F14_3

F.14.3 Investing in Treasury bills/bonds/shares/collective investment schemes (u

F14_4

F.14.4 Investing in Treasury bills/bonds/shares/collective investment schemes (u

F14_5

F.14.5 You may lose or gain by investing in Treasury bills/bonds/shares/collecti

F14_6

F.14.6 A company can raise capital through the capital market

F14_7

F.14.7 You understand how investment in Treasury bills/bonds/shares/collective i

F14_8

F.14.8 You trust financial service providers that offer investment products

F14_9

F.14.9 Share prices of a listed company may rise or fall

F14_10

F.14.10 You become a part owner of a company if you buy shares

F14_11

F.14.11 As an investor, you have the right to participate at a listed company's

F15

F.15 Have you ever invested in a treasury bills/bonds/shares/collective investme

F16

F.16 Please tell me which of the following products you have invested in?

F17

F.17 What was the main reason you invested in a capital markets product?

F17_S

F.17_S. Specify the main reason you invested in a capital markets product.

F18

F.18 What is the main reason you have NOT invested in treasury bills/bonds/share

F18_S

F.18_S. Specify the main reason you have NOT invested in treasury bills/bonds/sh

F19

F.19 How frequently do you invest in the capital markets? Read out; Single menti

F20

F.20 Have you received investment advice regarding a product in the capital mark

F21

F.21 Who gave you the investment advice?

F21_S

F.21_S. Specify who gave you the investment advice.

F22

F.22 Do the products being provided in the capital markets meet your financial g

F23

F.23 Where would you first go if you had a complaint regarding a capital markets

F23_S

F.23_S. Specify where you would first go if you had a complaint regarding a capi

G1

G.1 Do you agree with the following statements?

G1_1

G.1.1 You avoid borrowing money if you can

G1_2

G.1.2 You prefer to save money for something rather than borrow to pay for it

G1_3

G.1.3 If you borrow money it is okay to pay it a bit later than agreed

G1_4

G.1.4 It is okay to borrow money to pay back outstanding debt

G1_5

G.1.5 It is better to remain with debt than to sell something to pay it

G1_6

G.1.6 It is better to keep savings than to use it to pay off debt

G1_7

G.1.7 Without borrowing you would not be able to feed your family

G1_8

G.1.8 You don?t mind borrowing money to get something you really need

G1_9

G.1.9 Being able to borrow money when you need it is more important than the amo

G2

G2 Credit Status

G2_1A

G.2.1a Did you borrow money from anybody or any institution during the past 12 m

G2_1B

G.2.1b Approximately how much money did you borrow the last time you borrowed?

G2_2

G.2.2 Have you, in the past 12 months, been paying back money that you borrowed

G2_3

G.2.3 During the past 12 months, got any goods/services in advance and had to pay for them later?

G2_4A

G.2.4a Do you currently owe any money?

G2_4B

G.2.4b Approximately how much money do you currently owe?

G2_5A

G.2.5a Do you use money that you get from farming activities to pay back the mon

G2_5B

G.2.5b Do you use money that you get from your business to pay back the money yo

G3

G.3 What is the main reason why you have not borrowed money?

G3_S

G.3_S. Specify the main reason why you have not borrowed money.

G4

Loan sources: Still talking about borrowing money:

G4_1

G.4.1 Borrowed money from a bank

G4_2

G.4.2 Borrowed money from a microfinance institution such as EFC

G4_3

G.4.3 Borrowed money from a microlender such as YesCash

G4_4

G.4.4 Borrowed money from a SACC0

G4_5

G.4.5 Got a loan from a Government Scheme/Institution

G4_6

G.4.6 Borrowed money from your employer

G4_7

G.4.7 Borrowed money from family/friends that you had to pay back

G4_8

G.4.8 Got money from family/friends that you did not have to pay back

G4_9

G.4.9 Borrowed money from savings group

G4_10

G.4.10 Borrowed money from a village bank

G4_11

G.4.11 Borrowed money from someone in the community who lends money to others (m

G4_12

G.4.12 Borrowed money from a church or other community based organisation that y

G4_13

G.4.13 Borrowing against an insurance policy

G4_14

G.4.14 Borrowing against a pension membership

G4_15

G.4.15 Did you borrow money or get goods in advance from any other source that I

G4_15_S

G.4.15_S. Specify the other source that you borrowed money or got goods in advan

Total: 800

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