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

Page views

8166

Downloads

20

Data file: 2020 Finscope data 7 July 2022_anonymised

Cases:	12781
Variables:	1447

Variables

Cluster

Interviewer

Structure_No

Structure Number

Household_No

Household Number

Province

District

Constituency

Ward

Region

SELECTED_PID

Selected Person PID

R_STATUS

Response Status

HHS

B1_2_Sex

B1_3

B.1.3. What is the relationship of (NAME) to the head of the household?

B1_4_DOB

B.1.4. What is the date of birth of (NAME) (DD/MM/YY)?

B1_4_D

B.1.4D. What is the day of birth of (NAME) (DD)?

B1_4_M

B.1.4M. What is the month of birth of (NAME) (MM)?

B1_4_Y

B.1.4Y. What is the year of birth of (NAME) (YY)?

B1_5

B.1.5. What age is (NAME) since his/her last birthday?

B1_6

B.1.6. What is (NAME) marital status?

B1_7

B.1.7. Can (NAME) read and write in any language?

B1_8

B.1.8. Is (NAME) currently attending school?

B1_9

B.1.9. Has (NAME) ever attended school?

B1_10

B.1.10. What is the highest grade/level (NAME) has completed?

B1_11

B.1.11. In the past month, how did (NAME) spend MOST of his/her day time?

B1_11_S

B.1.11_S. Specify how (NAME) spent most of his/her day in the past month.

B1_12

B.1.12. Does (NAME) own a mobile phone?

C1_1

C.1.1. What kind of building material is the floor of this house mainly made of?

C1_1_S

C.1.1_S. Specify other material the floor of this house mainly made of.

C1_2

C.1.2. What kind of building material are the walls of the house mainly made of?

C1_2_S

C.1.2_S. Specify other kind of building material are the walls of the house main

C1_3

C.1.3. What kind of building material is the roof of the house mainly made of?

C1_3_S

C.1.3_S. Specify other kind of building material is the roof of the house mainly

C1_4

C.1.4. Is your house connected to electricity?

C1_5

C.1.5. What is the main type of energy that your household uses for cooking?

C1_5_S

C.1.5_S. Specify other main type of energy that your household uses for cooking.

C1_6

C.1.6. What is the main type of energy that your household uses for lighting?

C1_6_S

C.1.6_S. Specify other main type of energy that your household uses for lighting

C1_7

C.1.7. What is the main source of water supply for this household?

C1_7_S

C.1.7_S. Specify other main source of water supply for this household.

C1_8

C.1.8. What is the main source of drinking water for this household?

C1_8_S

C.1.8_S. Specify other main source of drinking water for this household.

C1_9_BED

C.1.9.1. Do you or someone else in your household own a Bed in working condition

C1_9_SOFA

C.1.9.3. Do you or someone else in your household own a Lounge suite/sofa in wor

C1_9_ELECTRIC_STOVE

C.1.9.4. Do you or someone else in your household own an Electric stove in worki

C1_9_GAS_STOVE

C.1.9.5. Do you or someone else in your household own a Gas stove in working co

C1_9_FRIDGE

C.1.9.6. Do you or someone else in your household own a Refrigerator / Freezer

C1_9_HOME_THEATRE

C.1.9.7. Do you or someone else in your household own a DVDs/VCRs or home theatr

C1_9_RADIO

C.1.9.8. Do you or someone else in your household own a Radio in working condit

C1_9_TELEVISION

C.1.9.9. Do you or someone else in your household own a Television in working co

C1_9_PAY_TV

C.1.9.10. Do you or someone else in your household own a Pay TV e.g DSTV in wor

C1_9_GENERATOR

C.1.9.11. Do you or someone else in your household own a Generator in working co

C1_9_SOLAR_PANEL

C.1.9.12. Do you or someone else in your household own a Solar Panel in working

C1_9_FAN

C.1.9.13. Do you or someone else in your household own a Fan in working conditi

C1_9_AIRCON

C.1.9.14. Do you or someone else in your household own an Air conditioner in wo

C1_9_BICYCLE

C.1.9.15. Do you or someone else in your household own a Bicycle in working con

C1_9_MOTORBIKE

C.1.9.16. Do you or someone else in your household own a Motorcycle/Motorbike i

C1_9_CAR

C.1.9.17. Do you or someone else in your household own a Car in working conditi

C1_9_TRUCK

C.1.9.18. Do you or someone else in your household own a Truck / Van or Pickup

C1_9_WASHMACHINE

C.1.9.19. Do you or someone else in your household own a Washing machine in wor

C1_9_ELECTRIC_IRON

C.1.9.20. Do you or someone else in your household own a Electric iron in workin

C1_9_NON_ELEC_IRON

C.1.9.21. Do you or someone else in your household own a Non-electric Iron in wo

C1_9_TRACTOR

C.1.9.22. Do you or someone else in your household own a Tractor / power tiller

C1_9_PLOUGH

C.1.9.23. Do you or someone else in your household own a Plough for animal tract

C1_9_MOTOR_PUMP

C.1.9.24. Do you or someone else in your household own a Motor pump in working

C1_9_BRAZIER

C.1.9.2. Do you or someone else in your household own a Brazier/Mbaula in workin

C2_2_DOB

C.2.2. What is the date of birth of (NAME) (DD/MM/YY)?

C2_2_D

C.2.2D. What is the day of birth of (NAME) (DD)?

C2_2_M

C.2.2M. What is the month of birth of (NAME) (MM)?

C2_2_Y

C.2.2Y. What is the year of birth of (NAME) (YY)?

C2_3

C.2.3. What age is (NAME) since his/her last birthday?

C2_4

C.2.4. What is the highest level of education you have attained?

C2_1_NRC

C.2.1. National registration card

C2_2_LICENCE

C.2.2. Driver's license

C2_3_PASSPORT

C.2.3. Passport

C2_4_PAYSLIP

C.2.4. Payslip from employer

C2_5_LEASE

C.2.5. Lease or rental agreement in your name

C2_6_TV_SUBSCRIPTION

C.2.6. Subscription (e.g. satellite TV) in your name

C2_7_TI

C.2.7. Tax identification form in your name

C2_8_ELEC_WATER_BILL

C.2.8. Electricity/water bill in your name

C2_9_INSURANCE

C.2.9. Insurance policy in your name

C2_10_PHONE_BILL

C.2.10. Telephone/Zamtel bill in your name

C2_11_TITLE

C.2.11. Title deed in your name

C3_1_TELEVISION

C.3.1.1. Do you personally own (a/an) Television?

C3_2_TELEVISION

C.3.2.1. Would you use the Television as security to borrow money?

C3_1_PAY_TV

C.3.1.2. Do you personally own (a/an) Pay TV e.g DSTV ?

C3_2_PAY_TV

C.3.2.2. Would you use the Pay TV e.g DSTV as security to borrow money?

C3_1_RADIO

C.3.1.3. Do you personally own (a/an) Radio ?

C3_2_RADIO

C.3.2.3. Would you use the Radio as security to borrow money?

C3_1_HOME_THEATRE

C.3.1.4. Do you personally own (a/an) DVDs/VCRs or home theatre?

C3_2_HOME_THEATRE

C.3.2.4. Would you use the DVDs/VCRs or home theatre as security to borrow money

C3_1_SOFA

C.3.1.5. Do you personally own (a/an) Lounge suite/sofa?

C3_2_SOFA

C.3.2.5. Would you use the Lounge suite/sofa as security to borrow money?

C3_1_GENERATOR

C.3.1.6. Do you personally own (a/an) Generator?

C3_2_GENERATOR

C.3.2.6. Would you use the Generator as security to borrow money?

C3_1_SOLAR_PANEL

C.3.1.7. Do you personally own (a/an) Solar Panel ?

C3_2_SOLAR_PANEL

C.3.2.7. Would you use the Solar Panel as security to borrow money?

C3_1_FRIDGE

C.3.1.8. Do you personally own (a/an) Refrigerator / Freezer ?

C3_2_FRIDGE

C.3.2.8. Would you use the Refrigerator / Freezer as security to borrow money?

C3_1_FAN

C.3.1.9. Do you personally own (a/an) Fan ?

C3_2_FAN

C.3.2.9. Would you use the Fan as security to borrow money?

C3_1_BICYCLE

C.3.1.10. Do you personally own (a/an) Bicycle ?

C3_2_BICYCLE

C.3.2.10. Would you use the Bicycle as security to borrow money?

C3_1_MOTORBIKE

C.3.1.11. Do you personally own (a/an) Motorcycle/Motorbike ?

C3_2_MOTORBIKE

C.3.2.11. Would you use the Motorcycle/Motorbike as security to borrow money?

C3_1_CAR

C.3.1.12. Do you personally own (a/an) Car/truck /Van or Pickup ?

C3_2_CAR

C.3.2.12. Would you use the Car/truck /Van or Pickup as security to borrow mone

C3_1_WASHMACHINE

C.3.1.13. Do you personally own (a/an) Washing machine ?

C3_2_WASHMACHINE

C.3.2.13. Would you use the Washing machine as security to borrow money?

C3_1_ELECTRIC_IRON

C.3.1.14. Do you personally own (a/an) Electric iron?

C3_2_ELECTRIC_IRON

C.3.2.14. Would you use the Electric iron as security to borrow money?

C3_1_NON_ELEC_IRON

C.3.1.15. Do you personally own (a/an) Non-electric Iron?

C3_2_NON_ELEC_IRON

C.3.2.15. Would you use the Non-electric Iron as security to borrow money?

C3_1_AIRCON

C.3.1.16. Do you personally own (a/an) Air conditioner ?

C3_2_AIRCON1

C.3.2.16. Would you use the Air conditioner as security to borrow money?

C3_1_TRACTOR

C.3.1.17. Do you personally own (a/an) Tractor / power tiller ?

C3_2_TRACTOR

C.3.2.17. Would you use the Tractor / power tiller as security to borrow money?

C3_1_PLOUGH

C.3.1.18. Do you personally own (a/an) Plough for animal traction ?

C3_2_PLOUGH

C.3.2.18. Would you use the Plough for animal traction as security to borrow mo

C3_1_ELECTRIC_STOVE

C.3.1.19. Do you personally own (a/an) Electric stove?

C3_2_ELECTRIC_STOVE

C.3.2.19. Would you use the Electric stove as security to borrow money?

C3_1_GAS_STOVE

C.3.1.20. Do you personally own (a/an) Gas stove?

C3_2_GAS_STOVE

C.3.2.20. Would you use the Gas stove as security to borrow money?

C3_1_MOTOR_PUMP

C.3.1.21. Do you personally own (a/an) Motor pump?

C3_2_MOTOR_PUMP

C.3.2.21. Would you use the Motor pump as security to borrow money?

C3_1_AGRIC_LAND

C.3.1.22. Do you personally own (a/an) Agriculture land (for crop and livestock

C3_2_AGRIC_LAND

C.3.2.22. Would you use the Agriculture land (for crop and livestock farming) as

C3_1_OTHER_LAND

C.3.1.23. Do you personally own (a/an) Non-agriculture land e.g residential plot

C3_2_OTHER_LAND

C.3.2.23. Would you use the Non-agriculture land e.g residential plot, commercia

C3_1_HOUSE

C.3.1.24. Do you personally own (a/an) House?

C3_2_HOUSE

C.3.2.24. Would you use the House as security to borrow money?

C3_1_LIVESTOCK

C.3.1.25. Do you personally own (a/an) Livestock?

C3_2_LIVESTOCK

C.3.2.25. Would you use the Livestock as security to borrow money?

C3_1_BUILDING

C.3.1.26. Do you personally own (a/an) Building used as a shop?

C3_2_BUILDING

C.3.2.26. Would you use the Building used as a shop as security to borrow money?

C3_1_SMARTPHONE

C.3.1.27. Do you personally own (a/an) Smart phone?

C3_2_SMARTPHONE

C.3.2.27. Would you use the Smart phone as security to borrow money?

C3_1_FEATURE_PHONE

C.3.1.28. Do you personally own (a/an) Feature phone?

C3_2_FEATURE_PHONE

C.3.2.28. Would you use the Feature phone as security to borrow money?

C3_1_TABLET

C.3.1.29. Do you personally own (a/an) Tablet?

C3_2_TABLET

C.3.2.29. Would you use the Tablet as security to borrow money?

C3_1_LAPTOP

C.3.1.30. Do you personally own (a/an) Laptop?

C3_2_LAPTOP

C.3.2.30. Would you use the Laptop as security to borrow money?

C3_1_DESKTOP

C.3.1.31. Do you personally own (a/an) Desktop?

C3_2_DESKTOP

C.3.2.31. Would you use the Desktop as security to borrow money?

C3_3

C.3.3. Do you have access to a mobile phone (i.e. is there a phone that you can

C3_4

C.3.4. Do you have access to a computer?

C3_4B

C.3.4b. How often do you access the computer?

C3_5

C.3.5. Do you have access to the internet?

C3_5B

C.3.5b. How often do you access the internet?

C3_6

C.3.6. Do you use a mobile phone that belongs to somebody else?

C3_7

C.3.7. What is the main reason why you don?t have a mobile phone?

C3_7_S

C.3.7_S. Specify the main reason why you don't have a mobile phone.

C3_8

C.3.8. What is the main reason why you don?t use a mobile phone?

C3_8_S1

C.3.8_S. Specify the main reason why you don't use a mobile phone.

C3_9

C.3.9. Do you personally have a SIM card?

C3_10

C.3.10. Can you use it when you need to?

C4_1

C.4.1. Please tell me which of the following describes your situation best?

C4_1_S

C.4.1_S. Specify what describes your situation best.

C4_2

C.4.2. How did you get the house?

C4_2_S

C.4.2_S. Specify how you got the house.

C4_3

C.4.3. Where did you get most of the money from to buy/build the house?

C4_3_S

C.4.3_S. Specify where you got most of the money from to buy/build the house.

C4_4

C.4.4. Do you still owe money on the house?

C4_5_Q

C.4.5.Q. Approximately how much of this land do you use for farming purposes? (Q

C4_5_U

C.4.5.U. Approximately how much of this land do you use for farming purposes? (U

D1_1

D.1.1 What method do you mainly use to pay for food/groceries?

D1_1_S

D.1.1_S. Specify the the method you mainly use to pay for food/groceries.

D1_2

D.1.2 What method do you mainly use to pay for utility bills (e.g water, electri

D1_2_S

D.1.2_S. Specify the method you mainly use to pay for utility bills.

D1_3

D.1.3 How do you usually pay for school fees?

D1_3_S

D.1.3_S. Specify how you usually pay for school fees.

D1_4

D.1.4 How would you mainly pay for larger goods/appliances such as a radio, TV,

D1_4_S

D.1.4_S. Specify how you would mainly pay for larger goods/appliances.

D2_1

D2.1 Thinking of your regular expenses, EXCLUDING food and clothing, what is mos

D2_1_S

D2.1_S. Specify your other regular expenses.

d2_1_0

D2.1_S. Specify your other regular expenses.

D3_1

D.3.1 Different people have different ways of getting money, please tell me how

D3_1_S

D.3.1_S. Specify your ways of getting money.

D3_2_1

D.3.2.1. How often do you receive the money you get from Salaries / wages from a

D3_2_2

D.3.2.2. How often do you receive the money you get from Salaries / wages from a

D3_2_3

D.3.2.3. How often do you receive the money you get from Salaries / wages from a

D3_2_4

D.3.2.4. How often do you receive the money you get from Salaries/wages from gov

D3_2_5

D.3.2.5. How often do you receive the money you get from Money from trading/sell

D3_2_6

D.3.2.6. How often do you receive the money you get from Money from providing a

D3_2_7

D.3.2.7. How often do you receive the money you get from Piece work/Casual labor

D3_2_8

D.3.2.8. How often do you receive the money you get from Rental income?

D3_2_9

D.3.2.9. How often do you receive the money you get from Interest from savings,

D3_2_10

D.3.2.10. How often do you receive the money you get from Pension?

D3_2_11

D.3.2.11. How often do you receive the money you get from Social welfare money/g

D3_2_12

D.3.2.12. How often do you receive the money you get from Rely on someone else/o

D3_2_13

D.3.2.13. How often do you receive the money you get from Don?t get money ? some

D3_2_14

D.3.2.14. How often do you receive the money you get from Other, specify?

D3_2_14_S

D.3.2.14_S. Specify your ways of getting money.

D3_3_1

D.3.3.1. How do you usually receive the money you get from Salaries / wages from

D3_3_2

D.3.3.2. How do you usually receive the money you get from Salaries / wages from

D3_3_3

D.3.3.3. How do you usually receive the money you get from Salaries / wages from

D3_3_4

D.3.3.4. How do you usually receive the money you get from Salaries/wages from g

D3_3_5

D.3.3.5. How do you usually receive the money you get from Money from trading/se

D3_3_6

D.3.3.6. How do you usually receive the money you get from Money from providing

D3_3_7

D.3.3.7. How do you usually receive the money you get from Piece work/Casual lab

D3_3_8

D.3.3.8. How do you usually receive the money you get from Rental income?

D3_3_9

D.3.3.9. How do you usually receive the money you get from Interest from savings

D3_3_10

D.3.3.10. How do you usually receive the money you get from Pension?

D3_3_11

D.3.3.11. How do you usually receive the money you get from Social welfare money

D3_3_12

D.3.3.12. How do you usually receive the money you get from Rely on someone else

D3_3_13

D.3.3.13. How do you usually receive the money you get from Don?t get money ? so

D3_3_14

D.3.3.14. How do you usually receive the money you get from Other, specify?

D3_4

D.3.4. On which of these sources do you rely most to cover your expenses?

D3_4_S1

D.3.4_S. Specify which source you rely on most to cover your expenses.

D4

D4. Do you work full-time, part-time, seasonally or once in a while/from time to

D5

D5. You said you get money from selling things ? what kind of things do you MAIN

D5_S

D5_S. Specify other things you MAINLY sell (get most money from)?

D6

D6. You said you get money from providing a service ? what kind of services do y

D6_S

D.6_S. Specify what kind of service you mainly provide.

D7_TOT

D7_TOT. How many people other than yourself do you employ in Total?

D7_FT

D7_FT. How many people other than yourself do you employ on Full-Time?

D7_PT

D7_PT. How many people other than yourself do you employ on Part-Time?

D8

D8. Who do you mainly sell your goods/services to?

D8_S

D.8_S. Specify who you mainly sell your goods/services to.

D9

D9. You said that you rely on others for money or to pay your expenses. Who do y

D9_S

D.9_S. Specify who you rely on mostly.

D10

D.10. For your farming/fishing activities, you need things like farming equipmen

D10_S

D.10_S. Specify where you mainly get the money for these things.

D11

D.11. You said that you get money from a household member/someone in the househo

D11_S

D.11_S. Specify who gives you money/pays your expenses?

D12

D.12. I would like to get an idea of the total amount of money you get from ?. a

D14

D.14. On average, how much money do you get in a month? Please include money fro

D15

D.15. On average, how much money do you get in a year? Please include money from

D16

D.16. How often do you have money of your own that you use as you wish? Read out

D17

D.17. EXCLUDING yourself, how many others depend on the money you get, including

D18

D.18. What is the main reason why you don?t have money of your own?

D18_S

D.18_S. Specify the main reason why you don't have money of your own.

D19

D.19 Did this household purchase/consume/receive milk (fresh), milk (powdered,

E1

E.1. At this point in your life, which one of the following is MOST IMPORTANT to

E1_S

E.1_S. Specify which is the most important to you.

E2

E.2. Are you involved in your household?s financial decisions? By this I mean wh

E3

E.3. Who would you go to if you needed financial advice?

E3_S

E.3_S. Specify who you would go to if you needed financial advice.

E4_1

E.4.1a. Do you agree that: You keep track of money that you receive and spend

E4_2

E.4.1b. Do you agree that: You know how much money you spent last week

E4_3

E.4.1c. Do you agree that: You know how much money you have at present

E4_4

E.4.1d. Do you agree that: You adjust your expenses according to the money you h

E4_5

E.4.1e. Do you agree that: You often have to spend more money than you have avai

E5_1

E.5a. To keep track of your money, do you: Keep a record?

E5_2

E.5b. To keep track of your money, do you: Monitor account balance?

E5_3

E.5c. To keep track of your money, do you: Other (Specify)?

E5_3_S

E.5_S. Specify how you keep track of your money.

E6_1

E.6a. Do you have a budget, spending plan or financial plan that you use to guide

E6_2

E.6b. Do you have a plan to achieve your longer-term financial goals?

E6_3

E.6c. Do you have a plan for how to spend your money for things like food, cloth

E7_1

E.7a. Thinking about paying for your REGULAR expenses, which of the following ap

E7_2

E.7b. Thinking about paying for your UNEXPECTED expenses, which of the following

E8

E.8. How well are you keeping up with your bils and credit commitments? Do you p

E9

E.9. The following are major events in most people?s lives. Which do you think i

E10

E.10. How/where will you get most of the money to pay for?.(read option mentione

E10_S

E.10_S. Specify how/where you will get most of the money to pay for ....

E11

E.11. Are you doing anything to make sure that you can deal with such unexpected expenses such as medical costs, funeral costs, etc.

E12

E.12. What are you MOSTLY doing about it?

E12_S

E.12_S. Specify what you are MOSTLY doing about it?

E13_1

E.13a. On average, how much money do you spend in a month?

E13_2

E.13b. On average over the past 12 months, how do you describe your spending pat

E14_1

E.14.1. Did you/your household experience: Illness in your household that requir

E15_1

E.15.1. How did you cope financially when Illness in your household that require

E14_2

E.14.2. Did you/your household experience: Death of a household or family member

E15_2

E.15.2. How did you cope financially when Death of a household or family member

E14_3

E.14.3. Did you/your household experience: Loss of the income of an income earne

E15_3

E.15.3. How did you cope financially when Loss of the income of an income earner

E14_4

E.14.4. Did you/your household experience: Large unforeseen school expenses e.g

E15_4

E.15.4. How did you cope financially when Large unforeseen school expenses e.g s

E14_5

E.14.5. Did you/your household experience: Unexpected rise in the price of goods

E15_5

E.15.5. How did you cope financially when Unexpected rise in the price of goods

E14_6

E.14.6. Did you/your household experience: Harvest/crop failure/loss of livestoc

E15_6

E.15.6. How did you cope financially when Harvest/crop failure/loss of livestock

E14_7

E.14.7. Did you/your household experience: Loss of income as a result of an unex

E15_7

E.15.7. How did you cope financially when Loss of income as a result of an unexp

E16_1

E.16.1. Do you agree that: You have people in the community that you can turn to

E16_2

E.16.2. Do you agree that: You have people in your life who can help you financi

E16_3

E.16.3. Do you agree that: You would rather turn to strangers than people in the

E16_4

E.16.4. Do you agree that: People in your community have a strong sense of invol

E16_5

E.16.5. Do you agree that: There is a strong tendency in your community where yo

E16_6

E.16.6. Do you agree that: Being part of the community is important to you ?

E16_7

E.16.7. Do you agree that: You are a member of a group/association other than a

E17

E.17 When you see you are going to run out of money ? how do you MOSTLY cover yo

E17_S

E.17_S. Specify how you mostly cover your expenses until you get money again.

E18

E.18 In your community, if someone passes away, who pays most of the funeral cos

E18_S

E.18_S. Specify who pays most of the funeral costs if someone in your community

E19_1

E.19.1. In the last 6 months has your household: Gone without enough food to eat

E20_1

E.20.1. How often have you: Gone without enough food to eat?

E19_2

E.19.2. In the last 6 months has your household: Gone without medicine or medica

E20_2

E.20.2. How often have you: Gone without medicine or medical treatment that was

E19_3

E.19.3. In the last 6 months has your household: Had to miss an important family

E20_3

E.20.3. How often have you: Had to miss an important family event (funeral, wedd

E19_4

E.19.4. In the last 6 months has a: child or any person belonging to your househ

E20_4

E.20.4. How often has a: Child or any person you support sent home for lack of s

E19_5

E.19.5. In the last 6 months has your household: Failed to go out with a friend/

E20_5

E.20.5. How often have you: Failed to go out with a friend/family for entertainm

E21_1

E.21.1 If you needed K500 in case of an emergency, would you be able to raise it

E21_2

E.21.2 If you needed K1,000 in case of an emergency, would you be able to raise

E22_1

E.22.1 What would be your MAIN source of money if you needed it in 1 day?

Total: 800

1 2 3 >

Back to Catalog