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2020 FinScope Survey
Fourth Edition

Zambia, 2020
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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
Feb 26, 2026
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  • Identification
  • Version
  • Scope
  • Coverage
  • Producers and sponsors
  • Sampling
  • Data collection
  • Distributor information
  • Data Access
  • Disclaimer and copyrights
  • Metadata production

    • Identification

    Survey ID number

    ZMB-ZSA-FINSCOPE-2020-V1.0
    Title

    2020 FinScope Survey
    Subtitle

    Fourth Edition
    Country
    Name Country code
    Zambia ZMB
    Abstract

    The FinScope Zambia 2020 survey aimed to;Assess changes in the financial landscape since the prior 2015 survey; Measure the level of financial inclusion among adults across Zambia; and Inform responsive design-identifying gaps and barriers in the financial sector to drive innovation in product design and digital financial services.verview of survey objectives and coverage
    Unit of Analysis

    Individual Adult

    Version

    Version Description

    V1.0

    Scope

    Topics
    Topic
    Financial inclusion & exclusion
    Access & usage of financial products
    Digital financial services
    Savings and investment behavior
    Credit and borrowing practices
    Insurance uptake and risk management
    Payments & remittances
    Keywords
    Financial inclusion Access to finance Usage of financial services Financial literacy Financial health Digital financial Mobile money Savings and investments Credit and borrowing Insurance and risk management Remittances Livelihoods and income sources Household welfare

    Coverage

    Geographic Coverage

    National, Rural/Urban, Province
    Universe

    All individuals aged 16 years and above

    Producers and sponsors

    Primary investigators
    Name Affiliation
    Zambia Statistics Agency Ministry of National Developement Planning
    Producers
    Name Affiliation Role
    Zambia Statistics Agency Ministry of National Developement Planning Survey Implementors
    Bank Of Zambia Coordinators of the survey
    Funding Agency/Sponsor
    Name Role
    Financial Sector Deepening Zambia Financial support and participation in the study
    Rural Finance Expansion Programme Financial support and participation in the study
    German Sparkassenstiftung Financial support and participation in the study
    Ministry of Finance Financial support and participation in the study

    Sampling

    Sampling Procedure

    2-Stage Cluster Sample
    Smapling frame: Based on 2010 Poluation Census
    Sample size: 866 Eas, 12,990 households
    Weighting

    Individual-level weights

    Data collection

    Dates of Data Collection
    Start End
    2020-09-01 2020-10-10
    Mode of data collection
    • Face-to-face CAPI interviews

    Distributor information

    Distributor
    Organization name Affiliation
    Zambia Statistics Agency Ministry of National Developement Planning
    Bank of Zambia

    Data Access

    Confidentiality
    Confidentiality declaration text
    The Agency shall,where statistics are designated as official statistics, protect the confidentiality and identity of the source of data. Under the provision of the Statistics ACT no.13 of 2018, ZamStats is obliged to preserve the confidentiality of respondent information in all its census and survey data Before being granted access to the dataset, all users have to formally agree: 1. To make no copies of any files or portions of files to which s/he is granted access except those authorized by the Agency. 2. Not to use any technique in an attempt to learn the identity of any person, establishment, or sampling unit not identified on public use data files. 3. To hold in strictest confidence the identification of any establishment or individual that may be inadvertently revealed in any documents or discussion, or analysis. Such inadvertent identification revealed in her/his analysis will be immediately brought to the attention of the Agency
    Access conditions

    Micro data records are anonymized as per procedures before these are made available to users.
    Micro data files are all free but under access policy conditions:
    Each dataset has an access policy: Public use file - accessible to all and Licensed datasets - accessible under conditions.

    The dataset has been anonymized and is available as a Public Use Dataset. It is accessible to all for statistical and research purposes only, under the following terms and conditions:

    1. The data and other materials will not be redistributed or sold to other individuals, institutions, or organizations without the written agreement of the Zambia Statistics Agency
    2. The data will be used for statistical and scientific research purposes only. They will be used solely for reporting of aggregated information, and not for investigation of specific individuals or organizations.
    3. No attempt will be made to re-identify respondents, and no use will be made of the identity of any person or establishment discovered inadvertently.

    Disclaimer and copyrights

    Disclaimer

    ZamStats will not bear any responsibility for the erroneous use of its data by researchers. Users should report inconsistencies in the data (both micro and aggregated) to ZamStats as soon as possible.

    The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such use

    Metadata production

    DDI Document ID

    ZMB-ZSA-FINSCOPE-2020-V1.0
    Producers
    Name Affiliation Role
    ZamStats Zambia Statistical Agency Ministry of Finance and National Planning Survey Implementers
    Bank of Zambia Coodintaors of the survey
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