2020 FinScope Survey
Fourth Edition
Zambia, 2020
Get Microdata
Reference ID
ZMB-ZSA-FINSCOPE-2020-V1.0
Producer(s)
Zambia Statistics Agency
Metadata
Created on
Aug 17, 2025
Last modified
Feb 26, 2026
Page views
20231
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100
- Data files
-
2020 Finscope
data 7 July
2022_anonymised
D.1.2_S. Specify the method you mainly use to pay for utility bills. (D1_2_S)
Data file: 2020 Finscope data 7 July 2022_anonymised
Overview
Valid:
749
Invalid:
0
Type:
Discrete
Width:
150
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| By exchange of maize | 1 |
0.1%
|
|
| CURRENTLY NOT INCURRING ANY UTILIT BILLS | 1 |
0.1%
|
|
| DO NOT HAVE BILLS | 1 |
0.1%
|
|
| DO NOT PAY BILLS | 1 |
0.1%
|
|
| DO NOT PAY FOR ANY BILLS | 1 |
0.1%
|
|
| DO NOT PAY FOR BILLS | 1 |
0.1%
|
|
| DOES NOT HAVE BILLS | 1 |
0.1%
|
|
| DOES NOT PAY BILLS | 1 |
0.1%
|
|
| DOESNT PAY BILLS | 1 |
0.1%
|
|
| DON'T PAY FOR WATER | 1 |
0.1%
|
|
| DONT BUY THIS | 2 |
0.3%
|
|
| DONT PAY BILLS | 1 |
0.1%
|
|
| DONT PAY UTILITY BILLS | 1 |
0.1%
|
|
| Do not have bills | 1 |
0.1%
|
|
| Does not pay for utility bills | 1 |
0.1%
|
|
| Dont buy this | 1 |
0.1%
|
|
| Dont have bills | 2 |
0.3%
|
|
| Dont pay | 3 |
0.4%
|
|
| Dont pay any bills | 1 |
0.1%
|
|
| Dont pay any utility bills | 1 |
0.1%
|
|
| Dont pay for any utility bills | 1 |
0.1%
|
|
| Dont pay for that | 1 |
0.1%
|
|
| Dont pay for this | 2 |
0.3%
|
|
| Dont pay for water and electricity | 1 |
0.1%
|
|
| Dont pay nothing | 1 |
0.1%
|
|
| Dont such bills | 1 |
0.1%
|
|
| FREE | 2 |
0.3%
|
|
| FREE WATER PROVIDED BY THE EMPLOYER | 1 |
0.1%
|
|
| HAVE A WELL | 1 |
0.1%
|
|
| Have no such bills | 1 |
0.1%
|
|
| I dont have any bills to settle | 1 |
0.1%
|
|
| I dont pay for bills | 1 |
0.1%
|
|
| LANDLORD BUYS | 1 |
0.1%
|
|
| LANDLORD PAYS THE ELECTRICITY BILL | 1 |
0.1%
|
|
| MOBILE MONEY AND CASH EQUALLY | 1 |
0.1%
|
|
| NEVER PAY | 1 |
0.1%
|
|
| NO BILLS OF SUCH | 1 |
0.1%
|
|
| NO NSUCH BILLS | 1 |
0.1%
|
|
| NO SUCH BILL | 1 |
0.1%
|
|
| NO SUCH BILLS | 23 |
3.1%
|
|
| NOT APLICABLE | 1 |
0.1%
|
|
| NOT APPLICABLE | 4 |
0.5%
|
|
| NOT PAYING ANY BILLS | 1 |
0.1%
|
|
| Nill | 1 |
0.1%
|
|
| No bills | 1 |
0.1%
|
|
| Not Aplicable | 1 |
0.1%
|
|
| Not Applicable | 7 |
0.9%
|
|
| Not applicable | 6 |
0.8%
|
|
| Not applicable because respondant is not connected | 1 |
0.1%
|
|
| OWNER OF HOUSE BUYS | 1 |
0.1%
|
|
| PAID FOR BY THE EMPLOYER | 1 |
0.1%
|
|
| PAY MONEY TO LANDLORD | 1 |
0.1%
|
|
| PROVIDED FREE BY THE EMPLOYER | 1 |
0.1%
|
|
| RESPONDENT DOES PAY UTILITY BILLS | 1 |
0.1%
|
|
| RESPONDENT DOESNG PAY UTILITY BILLS | 1 |
0.1%
|
|
| RESPONDENT DOESNT PAY UTILITY BILLS | 2 |
0.3%
|
|
| RESPONDENT DOESNT PAY UTILITY BILLS. | 2 |
0.3%
|
|
| THE OWNEE BUY S | 1 |
0.1%
|
|
| THE HEAD PAYS THE BILLS | 1 |
0.1%
|
|
| The aunt pays for everything | 1 |
0.1%
|
|
| They use uppaid for water | 1 |
0.1%
|
|
| Water cash electricity through the bank | 1 |
0.1%
|
|
| am a dependant | 1 |
0.1%
|
|
| am just a dependand | 1 |
0.1%
|
|
| am just kept | 1 |
0.1%
|
|
| am kept by my children | 1 |
0.1%
|
|
| borehole | 1 |
0.1%
|
|
| business money | 1 |
0.1%
|
|
| cash | 1 |
0.1%
|
|
| cash when i find someone who is not understanding | 1 |
0.1%
|
|
| church buys for thebhousehold | 1 |
0.1%
|
|
| dad buys | 1 |
0.1%
|
|
| depandant | 1 |
0.1%
|
|
| do not have | 1 |
0.1%
|
|
| do not have any bills to pay | 1 |
0.1%
|
|
| do not have bills to pay | 1 |
0.1%
|
|
| do not have utility bills | 1 |
0.1%
|
|
| do not pay | 6 |
0.8%
|
|
| do not pay any bill | 2 |
0.3%
|
|
| do not pay bills | 2 |
0.3%
|
|
| do not pay for any ultilities | 1 |
0.1%
|
|
| do not pay such bills | 1 |
0.1%
|
|
| do not pay these bills | 2 |
0.3%
|
|
| do not pay utility bills | 3 |
0.4%
|
|
| do not pays for such bills | 1 |
0.1%
|
|
| do not pays such bills | 1 |
0.1%
|
|
| do not such bills | 1 |
0.1%
|
|
| does have utility bill. | 1 |
0.1%
|
|
| does not apply | 2 |
0.3%
|
|
| does not buy | 1 |
0.1%
|
|
| does not have | 1 |
0.1%
|
|
| does not have any utility bills | 1 |
0.1%
|
|
| does not have bills | 1 |
0.1%
|
|
| does not have to pay | 1 |
0.1%
|
|
| does not need to pay for them | 1 |
0.1%
|
|
| does not pay | 6 |
0.8%
|
|
| does not pay any expense | 1 |
0.1%
|
|
| does not pay bills | 1 |
0.1%
|
|
| does not pay for them | 3 |
0.4%
|
|
| does not pay for water from the borehole | 1 |
0.1%
|
|
| does not pay utility bills | 1 |
0.1%
|
|
| does not recieve | 1 |
0.1%
|
|
| does not recieve any bills | 4 |
0.5%
|
|
| does't pay | 1 |
0.1%
|
|
| doesn't have | 1 |
0.1%
|
|
| doesn't have such kind of bills. | 1 |
0.1%
|
|
| doesn't pay anything she is a daughter | 1 |
0.1%
|
|
| doesn't pay for utility bills | 1 |
0.1%
|
|
| doesn't pay, its his | 1 |
0.1%
|
|
| doesn't require to pay | 1 |
0.1%
|
|
| doesnt have those expenses | 1 |
0.1%
|
|
| doesnt pay | 20 |
2.7%
|
|
| doesnt recieve any bills | 1 |
0.1%
|
|
| don"t pay | 1 |
0.1%
|
|
| don't for anything | 1 |
0.1%
|
|
| don't have any bills to pay. | 1 |
0.1%
|
|
| don't have any utility bill to settle | 1 |
0.1%
|
|
| don't have bills | 3 |
0.4%
|
|
| don't pay utility bills | 1 |
0.1%
|
|
| don't pay any | 1 |
0.1%
|
|
| don't pay any bills | 5 |
0.7%
|
|
| don't pay bills | 11 |
1.5%
|
|
| don't pay for borehole | 1 |
0.1%
|
|
| don't pay for such things | 1 |
0.1%
|
|
| don't pay utility bills | 1 |
0.1%
|
|
| don,t pay anything | 1 |
0.1%
|
|
| dont buy | 1 |
0.1%
|
|
| dont have | 1 |
0.1%
|
|
| dont have any | 1 |
0.1%
|
|
| dont have any utility bills | 1 |
0.1%
|
|
| dont have electrcity | 1 |
0.1%
|
|
| dont have electricity | 1 |
0.1%
|
|
| dont have such bills | 1 |
0.1%
|
|
| dont have such services | 3 |
0.4%
|
|
| dont have to pay | 1 |
0.1%
|
|
| dont have utilitu bills | 2 |
0.3%
|
|
| dont have utility | 1 |
0.1%
|
|
| dont have utility bills | 38 |
5.1%
|
|
| dont know | 1 |
0.1%
|
|
| dont owen anything | 1 |
0.1%
|
|
| dont pay | 23 |
3.1%
|
|
| dont pay any | 1 |
0.1%
|
|
| dont pay any bills | 7 |
0.9%
|
|
| dont pay any utility bills | 1 |
0.1%
|
|
| dont pay anyhing | 1 |
0.1%
|
|
| dont pay anything | 14 |
1.9%
|
|
| dont pay bills | 23 |
3.1%
|
|
| dont pay bils | 1 |
0.1%
|
|
| dont pay for any water bills | 1 |
0.1%
|
|
| dont pay for bills | 3 |
0.4%
|
|
| dont pay for either | 1 |
0.1%
|
|
| dont pay for it | 1 |
0.1%
|
|
| dont pay for this | 1 |
0.1%
|
|
| dont pay for this the company pays | 1 |
0.1%
|
|
| dont pay for water bills | 1 |
0.1%
|
|
| dont pay it | 1 |
0.1%
|
|
| dont pay utilities | 1 |
0.1%
|
|
| dont pay utility bills | 5 |
0.7%
|
|
| dont pays | 2 |
0.3%
|
|
| dont payy anything | 1 |
0.1%
|
|
| dont recieve any bills | 2 |
0.3%
|
|
| dont recieve bills | 1 |
0.1%
|
|
| dont use | 1 |
0.1%
|
|
| dont use any | 1 |
0.1%
|
|
| dont use electricity | 1 |
0.1%
|
|
| dont use them | 1 |
0.1%
|
|
| dosen't pay utility bills | 2 |
0.3%
|
|
| free from borehole | 1 |
0.1%
|
|
| free water from the community | 1 |
0.1%
|
|
| from farming | 1 |
0.1%
|
|
| grandmother pays | 1 |
0.1%
|
|
| has no utilities | 1 |
0.1%
|
|
| have no bills | 1 |
0.1%
|
|
| have no bills to pay for | 1 |
0.1%
|
|
| he does not have such bills | 1 |
0.1%
|
|
| he does not pay any bills | 1 |
0.1%
|
|
| he dosent | 1 |
0.1%
|
|
| he is a dependant | 1 |
0.1%
|
|
| house owned by me | 1 |
0.1%
|
|
| house rent | 1 |
0.1%
|
|
| husband bank account | 1 |
0.1%
|
|
| husband pays | 1 |
0.1%
|
|
| husband usually pays | 1 |
0.1%
|
|
| i do not pay | 1 |
0.1%
|
|
| i do not pay for such bills | 1 |
0.1%
|
|
| i don't have utility bills | 1 |
0.1%
|
|
| i dont buy | 1 |
0.1%
|
|
| i dont buy these | 1 |
0.1%
|
|
| i dont have any expenses | 1 |
0.1%
|
|
| i dont pay | 3 |
0.4%
|
|
| i dont pay bill | 1 |
0.1%
|
|
| i dont pay bills | 1 |
0.1%
|
|
| i dont pay for such expenses | 1 |
0.1%
|
|
| i dont pay for them | 1 |
0.1%
|
|
| i dont pay for utility | 1 |
0.1%
|
|
| i dont pay these | 1 |
0.1%
|
|
| i have no bills | 2 |
0.3%
|
|
| i have no expenses to pay for | 1 |
0.1%
|
|
| i have nobody to take to school | 1 |
0.1%
|
|
| idont have any of the above mentioned | 1 |
0.1%
|
|
| it is supplied to us by our employer | 1 |
0.1%
|
|
| landlord pays all bills | 1 |
0.1%
|
|
| mobile money | 2 |
0.3%
|
|
| mobile phone | 1 |
0.1%
|
|
| money from business | 1 |
0.1%
|
|
| mother pays all bills | 1 |
0.1%
|
|
| mother pays for him | 1 |
0.1%
|
|
| my parent buys | 1 |
0.1%
|
|
| my parents pays | 1 |
0.1%
|
|
| never pays for any utility bills | 1 |
0.1%
|
|
| never use money | 1 |
0.1%
|
|
| nill | 1 |
0.1%
|
|
| no applicable | 1 |
0.1%
|
|
| no bills | 39 |
5.2%
|
|
| no bills are paid | 1 |
0.1%
|
|
| no bills to pay | 4 |
0.5%
|
|
| no electric power | 1 |
0.1%
|
|
| no electricity | 4 |
0.5%
|
|
| no electricity and water bils | 1 |
0.1%
|
|
| no electrict | 1 |
0.1%
|
|
| no eletrict | 1 |
0.1%
|
|
| no expense | 1 |
0.1%
|
|
| no need | 1 |
0.1%
|
|
| no one goes to school | 1 |
0.1%
|
|
| no such services | 1 |
0.1%
|
|
| no utility bill | 1 |
0.1%
|
|
| no utility bills | 8 |
1.1%
|
|
| no utility bills are used in this household | 1 |
0.1%
|
|
| no utility bills paid | 1 |
0.1%
|
|
| no utility bills payed | 3 |
0.4%
|
|
| no utility bills to pay | 1 |
0.1%
|
|
| no utility bils | 1 |
0.1%
|
|
| non applicable | 4 |
0.5%
|
|
| none | 14 |
1.9%
|
|
| none of the above is applicable | 1 |
0.1%
|
|
| none utility | 1 |
0.1%
|
|
| not aplicable | 9 |
1.2%
|
|
| not appliacable | 1 |
0.1%
|
|
| not applicable | 147 |
19.6%
|
|
| not applicable here | 1 |
0.1%
|
|
| not applicable, | 1 |
0.1%
|
|
| not applicable, dont have such services | 1 |
0.1%
|
|
| not applicable.no bills paid | 1 |
0.1%
|
|
| not connected to electricity | 1 |
0.1%
|
|
| not eligible to pay bills | 1 |
0.1%
|
|
| nothing | 1 |
0.1%
|
|
| nothing like water bills | 1 |
0.1%
|
|
| online transactions | 1 |
0.1%
|
|
| paid by my husband cash | 1 |
0.1%
|
|
| parents pay | 1 |
0.1%
|
|
| parents pay for me | 1 |
0.1%
|
|
| piece works | 1 |
0.1%
|
|
| piece. work | 1 |
0.1%
|
|
| provided by the goverment | 1 |
0.1%
|
|
| rental | 1 |
0.1%
|
|
| repondent dont pay for bills | 1 |
0.1%
|
|
| respodent doesnt pay bills | 1 |
0.1%
|
|
| respondent dependent | 1 |
0.1%
|
|
| respondent does not pay for bills | 2 |
0.3%
|
|
| respondent does pay for such bills | 1 |
0.1%
|
|
| respondent doesnt pay for any bills | 1 |
0.1%
|
|
| respondent doesnt pay for bills | 4 |
0.5%
|
|
| respondent dont pay for bills | 5 |
0.7%
|
|
| respondent dont pay for such bills | 2 |
0.3%
|
|
| respondent is a dependant | 1 |
0.1%
|
|
| she does have utility bills | 1 |
0.1%
|
|
| she doesn't any bills at the moment. | 1 |
0.1%
|
|
| she doesn't any bills. | 1 |
0.1%
|
|
| she doesn't have such bills | 1 |
0.1%
|
|
| she doesnt have bills | 1 |
0.1%
|
|
| she has no income | 1 |
0.1%
|
|
| she is single | 1 |
0.1%
|
|
| the company pays | 1 |
0.1%
|
|
| the father pays | 1 |
0.1%
|
|
| the head pays for this | 1 |
0.1%
|
|
| the household doesnot pay for water | 1 |
0.1%
|
|
| the household dosent pay for this | 1 |
0.1%
|
|
| the situation doesnt apply at this house | 1 |
0.1%
|
|
| their house is connected to electricity | 1 |
0.1%
|
|
| their house is not connected to electricity | 1 |
0.1%
|
|
| there is no electricity | 1 |
0.1%
|
|
| there is no power | 1 |
0.1%
|
|
| there's no power and water | 1 |
0.1%
|
|
| they do not pay for water | 1 |
0.1%
|
|
| they don't have electricity | 1 |
0.1%
|
|
| they dont pay any bill | 1 |
0.1%
|
|
| they dont pay any utility bills | 1 |
0.1%
|
|
| they dont pay water billsor electricity bills | 1 |
0.1%
|
|
| they facilities are free | 1 |
0.1%
|
|
| under someone | 1 |
0.1%
|
|
| use a well | 1 |
0.1%
|
|
| use cash | 1 |
0.1%
|
|
| we do not buy or pay bills here | 1 |
0.1%
|
|
| we do not pay such bills | 1 |
0.1%
|
|
| we do not pay such bills here | 1 |
0.1%
|
|
| we dont have utilities | 1 |
0.1%
|
|
| we dont pay | 1 |
0.1%
|
|
| we dont pay bills | 1 |
0.1%
|
|
| we dont use the because the donors provide them | 1 |
0.1%
|
|
| we have no bills at all | 1 |
0.1%
|
|
| we have no bills to pay | 1 |
0.1%
|
Warning: these figures indicate the number of cases found in the data file. They cannot be interpreted as summary statistics of the population of interest.