FinScope Zambia FinScope 2020 Survey
Fourth Edition

Zambia, 2020

Reference ID

ZMB-ZSA-FINSCOPE-2020-V1.0

Producer(s)

Zambia Statistics Agency

Metadata

Documentation in PDF DDI/XML JSON

Created on

Aug 17, 2025

Last modified

Jan 16, 2026

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Data file: 2020 Finscope data 7 July 2022_anonymised

Cases:	12781
Variables:	1447

Variables

G4B_1

G.4B.1 How did you/are you paying back this money borrowed from a bank

G4B_2

G.4B.2 How did you/are you paying back this money borrowed from a microfinance i

G4B_3

G.4B.3 How did you/are you paying back this money borrowed from a microlender

G4B_4

G.4B.4 How did you/are you paying back this money borrowed from a SACCO

G4B_5

G.4B.5 How did you/are you paying back this money from a Government Scheme/Insti

G4B_6

G.4B.6 How did you/are you paying back this money borrowed from your employer

G4B_7

G.4B.7 How did you/are you paying back this money borrowed from family/friends t

G4B_8

G.4B.8 How did you/are you paying back this money from family/friends that you d

G4B_9

G.4B.9 How did you/are you paying back this money borrowed from savings group

G4B_10

G.4B.10 How did you/are you paying back this money borrowed from a village bank

G4B_11

G.4B.11 How did you/are you paying back this money borrowed from someone in the

G4B_12

G.4B.12 How did you/are you paying back this money borrowed from a church or oth

G4B_13

G.4B.13 How did you/are you paying back this money borrowed against an insurance

G4B_14

G.4B.14 How did you/are you paying back this money borrowed against a pension me

G4B_15

G.4B.15 How did you/are you paying back this money borrowed or goods gotten in a

G4C

G.4C Who did you borrow the most money from?

G4C_S

G.4C_S. Specify who you borrowed the most money from.

G5

G.5 What is the main reason why you borrowed from ?..

G5_S

G.5_S. Specify the main reason you borrowed from ...

G6

G.6 Thinking about the money you borrowed from ?. What was this money for?

G6_S

G.6_S. Specify what this money was for.

G6_1

G.6.1 You said you borrowed most money to help you cope with regular expenses. W

G6_1_S

G.6.1_S. Specify what kind of expenses.

G6_2

G.6.2 You said you borrowed most money to help you cope with unexpected expenses

G6_2_S

G.6.2_S. Specify what kind of expenses.

G6_3

G.6.3 You said you borrowed most money for business purposes. What was this for?

G6_3_S

G.6.3_S. Specify what this was for.

G6_4

G.6.4 You said you borrowed most money for farming/fishing purposes. What was th

G6_4_S

G.6.4_S. Specify what this was for.

G7

G.7 You said you borrowed from ?. Please tell me about your (most recent) experi

G7_1

G.7.1 You were given a written contract

G7_2

G.7.2 The loan agreement terms and conditions were explained to you

G7_3

G.7.3 You were told about all the costs before you took the loan

G7_4

G.7.4 You understood what all the costs would be before you took the loan

G7_5

G.7.5 The regular instalment was about the amount you thought it would be

G7_6

G.7.6 You could easily get the documents needed to apply for the loan

G7_7

G.7.7 You were required to provide security/collateral

G7_8

G.7.8 You were required to make a deposit before you got the loan

G8_1

G.8.1 . In the past 12 months have you missed making a payment when it was due?

G8_2

G.8.2 What was the main reason for you missing a payment? Do not read out

G8_2_S

G.8.2_S. Specify the main reason for you missing a payment.

G9_1

G.9.1 Have you ever applied for a loan from any of the following?

G9_2

G.9.2 Have you been refused a loan by ?.. ?

G9_2A

G.9.2a Have you been refused a loan by ?.. ?

G9_2B

G.9.2b Have you been refused a loan by ?.. ?

G9_2C

G.9.2c Have you been refused a loan by ?.. ?

G9_2D

G.9.2d Have you been refused a loan by ?.. ?

G9_3

G.9.3 What was the main reason given for the refusal?

G9_3A

G.9.3a What was the main reason given for the refusal?

G9_3B

G.9.3b What was the main reason given for the refusal?

G9_3C

G.9.3c What was the main reason given for the refusal?

G9_3D

G.9.3d What was the main reason given for the refusal?

G10A

G.10a. Please tell me what goods/services did you get in this way

G10B_1

G.10b.1. What were Items such as food, sugar, flour, cooking ingredients mostly

G10B_2

G.10b.2. What was Clothing used for?

G10B_9

G.10b.9. What was Bicycle/motorcycle/car used for?

G10B_10

G.10b.10. What were Appliances such as a fridge, stove, furniture used for?

G10B_11

G.10b.11. Building materials such as cement, tiles, bricks

G10B_12

G.10b.12. What were Transport services e.g. taxi used for?

G10B_13

G.10b.13. What was Motor vehicle repair/servicing used for?

G10B_14

G.10b.14. What was Other used for?

G10C_1

G.10c.1 Which of the following describes how you paid for Items such as food, su

G10C_2

G.10c.2 Which of the following describes how you paid for Clothing

G10C_3

G.10c.3 Which of the following describes how you paid for Personal services (hai

G10C_4

G.10c.4 Which of the following describes how you paid for Personal services (hai

G10C_5

G.10c.5 Which of the following describes how you paid for Farming produce such a

G10C_6

G.10c.6 Which of the following describes how you paid for Farming equipment/fish

G10C_7

G.10c.7 Which of the following describes how you paid for Ploughing/harvesting s

G10C_8

G.10c.8 Which of the following describes how you paid for Stock for business

G10C_9

G.10c.9. Which of the following describes how you paid for Bicycle/motorcycle/ca

G10C_10

G.10c.10. Which of the following describes how you paid for Appliances such as a

G10C_11

G.10c.11. Which of the following describes how you paid for Building materials s

G10C_12

G.10c.12. Which of the following describes how you paid for Transport services e

G10C_13

G.10c.13. Which of the following describes how you paid for Motor vehicle repair

G10C_14

G.10c.14. Which of the following describes how you paid for Other

G10

G.10 Credit uses:

G11_1

G.11.1 Have you heard of the credit reference bureau (CRB)?

G11_2

G.11.2 Have you ever accessed your credit reference bureau (CRB) report?

G11_3

G.11.3 Why have you not accessed your credit reference bureau report?

G11_3_S

G.11.3_S. Specify why you have not accessed your credit reference bureau report.

G11_4

G.11.4 Do you know what would happen to a person who fails to pay back a loan on

G11_4_S

G.11.4_S. Specify what would happen to a person who fails to pay back a loan on

H1

H.1 Have you heard of a pension scheme?

H2

H.2 Where did you first hear about pension schemes?

H2_S

H.2_S. Specify where you first hear about pension schemes.

H3

H.3 Which pension schemes have you heard about?

H3_1

H.3.1 Public Service Pension Fund (PSPF)

H3_2

H.3.2 Local Authority Superannuation Fund (LASF)

H3_3

H.3.3 National Pensions Scheme Authority (NAPSA)

H3_4

H.3.4 Saturnia Regna Pension Fund

H3_5

H.3.5 Kwacha Pension Trust Fund

H3_6

H.3.6 Toyota Zambia Pension Scheme

H3_7

H.3.7 Barclays Bank Staff Pension Scheme

H3_8

H.3.8 Madison Pension Trust Fund

H3_9

H.3.9 Zambia Railways Pension Scheme

H3_10

H.3.10 ZSIC Pension Trust Fund

H3_11

H.3.11 NAPSA Staff Pension Scheme

H3_12

H.3.12 Mukuba Pension Scheme

H3_13

H.3.13 Other, specify

H3_13_S

H.3.13_S. Specify pension schemes you have heard of.

H4

H.4 Do you agree, disagree or not sure on the following statements

H4_1

H.4.1 If you have a pension, it can help you to live a life you want in old age.

H4_2

H.4.2 In addition to compulsory pension schemes like NAPSA, having a private pen

H4_3

H.4.4 You can willingly join a private pension scheme

H4_4

H.4.3 There are private and public pension schemes in Zambia

H4_5

H.4.5 At retirement, some pension schemes pay out lump-sum money and the rest is

H4_6

H.4.6 Pension is a form of long term savings

H4_7

H.4.7 In case of death by the main beneficiary, the dependants will continue to

H4_8

H.4.8 It is better to put your money in other investments rather than contributi

H4_9

H.4.9 Retirees get pension on time in a private pension scheme

H4_10

H.4.10 Retirees get pension on time in a public pension scheme

H4_11

H.4.11 Pension is only paid when a contributing member retires

H4_12

H.4.12 Monthly payments to pensioners increase periodically

H4_13

H.4.13 You can make additional contributions in a private pension scheme to enha

H4_14

H.4.14 If you are in formal employment, the law requires that you belong to a pe

H5

H.5 Do you contribute to any pension scheme?

H6

H.6 Why don?t you have a pension scheme?

H6_S

H.6_S. Specify why you don't have a pension scheme.

H7

H.7.1 Is your pension scheme private?

H71

H.7.2 Is your pension scheme public?

H8

H.8 Would you be willing to save some percentage, say, 5% of your monthly income

H9

H.9 At what age do you think one should start saving for old age?

H10A

H.10A Have you heard about the Pensions and Insurance Authority?

H10B

H.10B How would you rate your level of confidence in the Pensions and Insurance

H11

H.11 Please tell me which of the following you agree or disagree with? Read out

H11_1

H.11.1 Insurance is a way of saving

H11_2

H.11.2 Insurance is expensive and unaffordable for the majority of people

H11_3

H.11.3 Having insurance is a way of making sure you have money to use when thing

H11_4

H.11.4 You understand how insurance works

H11_5

H.11.5 You trust insurance companies to pay out when something does go wrong

H11_6

H.11.6 Insurance is for people with more money and valuable assets

H11_7

H.11.7 You are aware of products that can be accessed by everyone

H11_8

H.11.8 Insurance will make you lose money without gain

H12_1

H.12.1 Please tell me which of the following you have?

INSURANCE_1

INSURANCE.1: Insurance

H12_2_1

H12_2.1: H12.2 Is this in your name or are you covered by someone else?s insuran

H12_3_1

H12_3.1: H12.3 How did you get this insurance?

INSURANCE_2

INSURANCE.2: Insurance

H12_2_2

H12_2.2: H12.2 Is this in your name or are you covered by someone else?s insuran

H12_3_2

H12_3.2: H12.3 How did you get this insurance?

INSURANCE_3

INSURANCE.3: Insurance

H12_2_3

H12_2.3: H12.2 Is this in your name or are you covered by someone else?s insuran

H12_3_3

H12_3.3: H12.3 How did you get this insurance?

INSURANCE_4

INSURANCE.4: Insurance

H12_2_4

H12_2.4: H12.2 Is this in your name or are you covered by someone else?s insuran

H12_3_4

H12_3.4: H12.3 How did you get this insurance?

INSURANCE_5

INSURANCE.5: Insurance

H12_2_5

H12_2.5: H12.2 Is this in your name or are you covered by someone else?s insuran

H12_3_5

H12_3.5: H12.3 How did you get this insurance?

INSURANCE_6

INSURANCE.6: Insurance

H12_2_6

H12_2.6: H12.2 Is this in your name or are you covered by someone else?s insuran

H12_3_6

H12_3.6: H12.3 How did you get this insurance?

INSURANCE_7

INSURANCE.7: Insurance

H12_2_7

H12_2.7: H12.2 Is this in your name or are you covered by someone else?s insuran

H12_3_7

H12_3.7: H12.3 How did you get this insurance?

INSURANCE_8

INSURANCE.8: Insurance

H12_2_8

H12_2.8: H12.2 Is this in your name or are you covered by someone else?s insuran

H12_3_8

H12_3.8: H12.3 How did you get this insurance?

INSURANCE_9

INSURANCE.9: Insurance

H12_2_9

H12_2.9: H12.2 Is this in your name or are you covered by someone else?s insuran

H12_3_9

H12_3.9: H12.3 How did you get this insurance?

INSURANCE_10

INSURANCE.10: Insurance

H12_2_10

H12_2.10: H12.2 Is this in your name or are you covered by someone else?s insura

H12_3_10

H12_3.10: H12.3 How did you get this insurance?

INSURANCE_11

INSURANCE.11: Insurance

H12_2_11

H12_2.11: H12.2 Is this in your name or are you covered by someone else?s insura

H12_3_11

H12_3.11: H12.3 How did you get this insurance?

INSURANCE_12

INSURANCE.12: Insurance

H12_2_12

H12_2.12: H12.2 Is this in your name or are you covered by someone else?s insura

H12_3_12

H12_3.12: H12.3 How did you get this insurance?

INSURANCE_13

INSURANCE.13: Insurance

H12_2_13

H12_2.13: H12.2 Is this in your name or are you covered by someone else?s insura

H12_3_13

H12_3.13: H12.3 How did you get this insurance?

INSURANCE_14

INSURANCE.14: Insurance

H12_2_14

H12_2.14: H12.2 Is this in your name or are you covered by someone else?s insura

H12_3_14

H12_3.14: H12.3 How did you get this insurance?

INSURANCE_15

INSURANCE.15: Insurance

H12_2_15

H12_2.15: H12.2 Is this in your name or are you covered by someone else?s insura

H12_3_15

H12_3.15: H12.3 How did you get this insurance?

H13

H.13 There are different reasons for people having the kind of products we have

H13_S

H.13_S. Specify the main reason why you have it.

H14

H.14 There are different reasons for people not having insurance. What is the ma

H14_S

H.14_S. Specify the main reason you don't have it.

H15

H.15 Do you get financial assistance from the Government?

H16

H.16 What do you get?

H16_1

H.16.1 Social Cash transfer

H16_2

H16_3

H.16.3 Farmer Input Support Programme

H16_4

H.16.4 Other, specify

H16_4_S

H.16.4_S. Specify the other assistance you get.

H17

H.17 How often do you receive???

H17_1

H.17.1 Social Cash transfer

H17_2

H17_3

H.17.3 Farmer Input Support Programme

H17_4

H.17.4 Other, specify

H18

H.18 How do you get the payment?

H18_1

H18_2

H.18.2 Mobile money

H18_3

H.18.3 Into a bank account

H18_4

H.18.4 Other, specify

Total: 800

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