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
20274
Downloads
100
- Data files
-
2020 Finscope
data 7 July
2022_anonymised
E.5_S. Specify how you keep track of your money. (E5_3_S)
Data file: 2020 Finscope data 7 July 2022_anonymised
Overview
Valid:
467
Invalid:
0
Type:
Discrete
Width:
150
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| "she do write in a book" | 1 |
0.2%
|
|
| 5000 | 1 |
0.2%
|
|
| A learned Family member helps with records. | 1 |
0.2%
|
|
| A ledger | 1 |
0.2%
|
|
| BY CALCULATING AGAINST MY EXPENDITURE | 1 |
0.2%
|
|
| BY CHECKING | 2 |
0.4%
|
|
| BY COUNTING | 1 |
0.2%
|
|
| BY PLANNING | 1 |
0.2%
|
|
| BY TAKING NOTE IN A NOTE BOOK | 1 |
0.2%
|
|
| BY WRITTING IN A NOTE BOOK | 3 |
0.6%
|
|
| Bank and mobile money | 1 |
0.2%
|
|
| Book recording | 1 |
0.2%
|
|
| By counting the balance from expenditure | 1 |
0.2%
|
|
| By taking note of the last amount left. | 1 |
0.2%
|
|
| By taking note of the previous balance. | 1 |
0.2%
|
|
| By using mobile money | 1 |
0.2%
|
|
| By way of monitoring the balance | 1 |
0.2%
|
|
| By writting in a note pad | 1 |
0.2%
|
|
| CHECKING BALANCES | 1 |
0.2%
|
|
| Check bank account | 1 |
0.2%
|
|
| Count the money after spending | 1 |
0.2%
|
|
| HAS A RECORD IN A BOOK | 1 |
0.2%
|
|
| Has a village trustee neighbour who helps record | 1 |
0.2%
|
|
| I MONITOR HOW I SPEND | 1 |
0.2%
|
|
| I MONITOR MY BANAK ACCOUNT | 1 |
0.2%
|
|
| I do wright | 1 |
0.2%
|
|
| I write down | 1 |
0.2%
|
|
| IT IS DIFFICULT TO FIND ANOTHER WAY. | 1 |
0.2%
|
|
| In the head | 1 |
0.2%
|
|
| Just remembering | 1 |
0.2%
|
|
| Keep in mind | 1 |
0.2%
|
|
| Keep in my head | 1 |
0.2%
|
|
| Keep in the heard | 1 |
0.2%
|
|
| Keep records in mind | 1 |
0.2%
|
|
| MAKE A BUDGET | 2 |
0.4%
|
|
| MOBILE MONEY | 1 |
0.2%
|
|
| MOBILE PHONE | 1 |
0.2%
|
|
| Maintain a Cash book | 1 |
0.2%
|
|
| Memorisation of all the used funds. | 1 |
0.2%
|
|
| Memorisation of available and used funds | 1 |
0.2%
|
|
| Memorisation of money | 1 |
0.2%
|
|
| Memorisation of transactions | 1 |
0.2%
|
|
| Mobile money banking | 1 |
0.2%
|
|
| Monitorb account balances | 1 |
0.2%
|
|
| NON OF THE ABOVE | 1 |
0.2%
|
|
| NOTING DOWN | 1 |
0.2%
|
|
| Not applicable | 1 |
0.2%
|
|
| Phone | 1 |
0.2%
|
|
| RECEIPTS | 1 |
0.2%
|
|
| RECORD BOOK | 1 |
0.2%
|
|
| RECORD IN A BOOK | 2 |
0.4%
|
|
| RECORD KEEPING | 1 |
0.2%
|
|
| Record in book | 1 |
0.2%
|
|
| Recording in book | 3 |
0.6%
|
|
| Records in the books | 1 |
0.2%
|
|
| SAVING | 1 |
0.2%
|
|
| Spouse helps with the record keeping. | 1 |
0.2%
|
|
| TAKING NOTE IN A NOTE BOOK | 1 |
0.2%
|
|
| The respondent writes down. | 1 |
0.2%
|
|
| They are written in a book with aid of son. | 1 |
0.2%
|
|
| Through what they buy at home | 1 |
0.2%
|
|
| WIFE | 1 |
0.2%
|
|
| WITH MOTHER | 1 |
0.2%
|
|
| WRING A BUDGET | 1 |
0.2%
|
|
| WRITE DOWN A BUDGET | 1 |
0.2%
|
|
| WRITE IN NOT BOOK | 1 |
0.2%
|
|
| WRITING A BUDGET | 1 |
0.2%
|
|
| WRITING DOWN | 1 |
0.2%
|
|
| WRITTEN BUDGET | 1 |
0.2%
|
|
| WRITTING IN A NOTE BOOK | 2 |
0.4%
|
|
| Wife asists with keeping track | 1 |
0.2%
|
|
| Write down all expenses | 1 |
0.2%
|
|
| Write down important | 1 |
0.2%
|
|
| Write in a diary | 1 |
0.2%
|
|
| Write on paper | 1 |
0.2%
|
|
| Writes in notepad | 1 |
0.2%
|
|
| Writing down | 1 |
0.2%
|
|
| Writing some where | 1 |
0.2%
|
|
| Writing them down | 1 |
0.2%
|
|
| accountant | 1 |
0.2%
|
|
| airtel money | 1 |
0.2%
|
|
| airtel money balance | 1 |
0.2%
|
|
| always | 1 |
0.2%
|
|
| ask a friend | 1 |
0.2%
|
|
| bank | 1 |
0.2%
|
|
| because l need to balance up,how much l have | 1 |
0.2%
|
|
| book record | 1 |
0.2%
|
|
| book recording | 1 |
0.2%
|
|
| book records | 1 |
0.2%
|
|
| books and reciept | 1 |
0.2%
|
|
| brain | 1 |
0.2%
|
|
| brian | 1 |
0.2%
|
|
| budget | 2 |
0.4%
|
|
| budget for the money | 1 |
0.2%
|
|
| budgeting | 1 |
0.2%
|
|
| buy crops and sold them in future | 1 |
0.2%
|
|
| buy keeping recipts | 1 |
0.2%
|
|
| buying things as budgeted | 1 |
0.2%
|
|
| by checking my balance | 1 |
0.2%
|
|
| by checking my expenses | 1 |
0.2%
|
|
| by checking the account balance | 1 |
0.2%
|
|
| by checking what i have spent the money on | 1 |
0.2%
|
|
| by checking your balance | 1 |
0.2%
|
|
| by ckecking my balance | 1 |
0.2%
|
|
| by comparing the current money i have to the total | 1 |
0.2%
|
|
| by counting it | 1 |
0.2%
|
|
| by following up the expenses | 1 |
0.2%
|
|
| by keeping a record | 1 |
0.2%
|
|
| by keeping a written record | 1 |
0.2%
|
|
| by keeping it in mind | 1 |
0.2%
|
|
| by keeping records of what we buy and purchase | 1 |
0.2%
|
|
| by keeping records of what we purchase | 1 |
0.2%
|
|
| by keeping the receipt and checking my account bal | 1 |
0.2%
|
|
| by keeping the receipts | 1 |
0.2%
|
|
| by keeping the recipts and checking my account bal | 1 |
0.2%
|
|
| by keeping the records | 1 |
0.2%
|
|
| by listing the things bought | 1 |
0.2%
|
|
| by looking at the balance compared to the previous | 1 |
0.2%
|
|
| by looking of how much he has spend | 1 |
0.2%
|
|
| by memorising | 1 |
0.2%
|
|
| by monitoring my balace | 1 |
0.2%
|
|
| by monitoring my business | 1 |
0.2%
|
|
| by puting them in a safe place | 1 |
0.2%
|
|
| by putting money in a moble account | 1 |
0.2%
|
|
| by recording all the expenses | 1 |
0.2%
|
|
| by recording in a book | 1 |
0.2%
|
|
| by remembering | 1 |
0.2%
|
|
| by remembering what i have bought | 1 |
0.2%
|
|
| by reviewing through the things i have bought | 1 |
0.2%
|
|
| by saving | 1 |
0.2%
|
|
| by using mobile money | 1 |
0.2%
|
|
| by using my brains | 1 |
0.2%
|
|
| by using the brain | 1 |
0.2%
|
|
| by writing | 2 |
0.4%
|
|
| by writing down expenses | 1 |
0.2%
|
|
| by writing in a book | 1 |
0.2%
|
|
| by writing in the book | 1 |
0.2%
|
|
| by writing on a book | 1 |
0.2%
|
|
| by writting | 2 |
0.4%
|
|
| by writting my bugdet | 1 |
0.2%
|
|
| by writting in a book | 1 |
0.2%
|
|
| by writting in a note book | 1 |
0.2%
|
|
| cash book | 1 |
0.2%
|
|
| check the account balance | 1 |
0.2%
|
|
| checking account balance | 1 |
0.2%
|
|
| checking book balance | 1 |
0.2%
|
|
| checking his balance | 1 |
0.2%
|
|
| checking my account | 1 |
0.2%
|
|
| checking the account balance | 4 |
0.9%
|
|
| checking through my budget | 1 |
0.2%
|
|
| cheking the account balance | 1 |
0.2%
|
|
| count how much i have left | 1 |
0.2%
|
|
| counting the items bought | 2 |
0.4%
|
|
| counting the total amount left | 1 |
0.2%
|
|
| expenses | 1 |
0.2%
|
|
| follow expenses | 1 |
0.2%
|
|
| follow expensess | 1 |
0.2%
|
|
| from bank account | 1 |
0.2%
|
|
| giving someone | 1 |
0.2%
|
|
| he does write on small book. | 1 |
0.2%
|
|
| he riviews through his expenditures | 1 |
0.2%
|
|
| head | 3 |
0.6%
|
|
| head calculations | 1 |
0.2%
|
|
| hiding it in my house | 1 |
0.2%
|
|
| i check from my hand retain receipt | 1 |
0.2%
|
|
| i check the balance i have | 1 |
0.2%
|
|
| i dont have | 1 |
0.2%
|
|
| i just calculate myself without writing down | 1 |
0.2%
|
|
| i just count in my note book | 1 |
0.2%
|
|
| i just count my self | 1 |
0.2%
|
|
| i just remeber how much i have | 1 |
0.2%
|
|
| i keep and write all my recepts wigh a big purchas | 1 |
0.2%
|
|
| i keep in my airtel money | 1 |
0.2%
|
|
| i know through checking on what i have bought | 1 |
0.2%
|
|
| i master in my head | 1 |
0.2%
|
|
| i memorise | 1 |
0.2%
|
|
| i put a mark to the money | 1 |
0.2%
|
|
| i record | 1 |
0.2%
|
|
| i record in the book | 1 |
0.2%
|
|
| i remember | 1 |
0.2%
|
|
| i think about my expenditures | 1 |
0.2%
|
|
| i think about the money i had and what i have used | 1 |
0.2%
|
|
| i use the phone to check my balance | 1 |
0.2%
|
|
| i use the phone/mobile money | 1 |
0.2%
|
|
| i write | 3 |
0.6%
|
|
| i write a budget | 1 |
0.2%
|
|
| i write in a book | 1 |
0.2%
|
|
| i write in a cash book | 1 |
0.2%
|
|
| i write on a diary | 1 |
0.2%
|
|
| i write on a piece of paper | 1 |
0.2%
|
|
| i! a private bag | 1 |
0.2%
|
|
| in my heart | 1 |
0.2%
|
|
| in the mind | 4 |
0.9%
|
|
| inquiry at the bank | 1 |
0.2%
|
|
| involving your siblings | 1 |
0.2%
|
|
| just by looking and knowing how much ive removed | 1 |
0.2%
|
|
| just counting the money | 1 |
0.2%
|
|
| just have it in mind | 1 |
0.2%
|
|
| just in mind | 1 |
0.2%
|
|
| just record using my heard | 1 |
0.2%
|
|
| just remember | 1 |
0.2%
|
|
| keep | 1 |
0.2%
|
|
| keep in mind | 2 |
0.4%
|
|
| keep in the head | 3 |
0.6%
|
|
| keep in the mind | 1 |
0.2%
|
|
| keep it in my head | 1 |
0.2%
|
|
| keep it through record in the book | 1 |
0.2%
|
|
| keep receipts | 2 |
0.4%
|
|
| keep reciepts | 1 |
0.2%
|
|
| keep record | 1 |
0.2%
|
|
| keep record in a book | 1 |
0.2%
|
|
| keep record in a book/laptop | 1 |
0.2%
|
|
| keep record in the head | 2 |
0.4%
|
|
| keep records | 1 |
0.2%
|
|
| keep recripts | 1 |
0.2%
|
|
| keep track mobile money account | 1 |
0.2%
|
|
| keep writting | 1 |
0.2%
|
|
| keeping a cash flow stetment | 1 |
0.2%
|
|
| keeping in home | 1 |
0.2%
|
|
| keeping in the mind | 1 |
0.2%
|
|
| keeping in the pace | 1 |
0.2%
|
|
| keeping it in my head | 1 |
0.2%
|
|
| keeping money in house | 1 |
0.2%
|
|
| keeping payslips | 1 |
0.2%
|
|
| keeping recept | 1 |
0.2%
|
|
| keeping recepts | 1 |
0.2%
|
|
| keeping reciepts safe | 1 |
0.2%
|
|
| keeping recodr | 1 |
0.2%
|
|
| keeping records of spending | 1 |
0.2%
|
|
| keeping the recording in my phone | 1 |
0.2%
|
|
| keeping track in mind | 1 |
0.2%
|
|
| keeps in the head | 1 |
0.2%
|
|
| keeps the record on his phone | 1 |
0.2%
|
|
| keeps track of money spent in her head | 1 |
0.2%
|
|
| l alway check | 1 |
0.2%
|
|
| l have a book whichl write thing l wznt to buy | 1 |
0.2%
|
|
| list making | 1 |
0.2%
|
|
| looking at how much i have at that time | 1 |
0.2%
|
|
| looking at the balance | 1 |
0.2%
|
|
| make a list | 1 |
0.2%
|
|
| make budget | 1 |
0.2%
|
|
| making a budget | 1 |
0.2%
|
|
| math | 1 |
0.2%
|
|
| math calculation | 1 |
0.2%
|
|
| memorising | 1 |
0.2%
|
|
| memorize | 1 |
0.2%
|
|
| memorizing | 1 |
0.2%
|
|
| memorizing my expenses | 1 |
0.2%
|
|
| memory | 14 |
3%
|
|
| messages | 1 |
0.2%
|
|
| mind | 5 |
1.1%
|
|
| mobile banking | 1 |
0.2%
|
|
| mobile money | 3 |
0.6%
|
|
| moniting my balance | 1 |
0.2%
|
|
| monitor mobile balance | 1 |
0.2%
|
|
| monitoring mobile money account | 1 |
0.2%
|
|
| monitoring the account balance | 1 |
0.2%
|
|
| mtn money | 1 |
0.2%
|
|
| newspaper and internet | 1 |
0.2%
|
|
| no other | 1 |
0.2%
|
|
| none | 1 |
0.2%
|
|
| not applicable | 3 |
0.6%
|
|
| note book | 1 |
0.2%
|
|
| online bank statement | 1 |
0.2%
|
|
| only writing | 1 |
0.2%
|
|
| personal | 1 |
0.2%
|
|
| personal diary | 1 |
0.2%
|
|
| phone | 3 |
0.6%
|
|
| photocopy the receipts | 1 |
0.2%
|
|
| planning in the head | 1 |
0.2%
|
|
| put everything in the head | 1 |
0.2%
|
|
| put them in a box | 1 |
0.2%
|
|
| putting money into bank account | 1 |
0.2%
|
|
| recaling the price of the items | 1 |
0.2%
|
|
| receipts | 1 |
0.2%
|
|
| recode in a book | 1 |
0.2%
|
|
| recond what we buy | 1 |
0.2%
|
|
| record | 3 |
0.6%
|
|
| record book | 1 |
0.2%
|
|
| record in a book | 1 |
0.2%
|
|
| record in a diary | 1 |
0.2%
|
|
| record in book of accounts | 1 |
0.2%
|
|
| record in the book | 1 |
0.2%
|
|
| record keeping in the head | 1 |
0.2%
|
|
| record on book | 1 |
0.2%
|
|
| recorded in a cashbook | 1 |
0.2%
|
|
| recording | 7 |
1.5%
|
|
| recording expenses | 1 |
0.2%
|
|
| recording in a book | 1 |
0.2%
|
|
| recording my expensses | 1 |
0.2%
|
|
| records | 5 |
1.1%
|
|
| refer to budgets | 1 |
0.2%
|
|
| remembering | 3 |
0.6%
|
|
| review the things i have spent the money on | 1 |
0.2%
|
|
| reviewing my expenditures | 1 |
0.2%
|
|
| reviewing what i have spent my money on. | 1 |
0.2%
|
|
| save for future use | 1 |
0.2%
|
|
| saves in a piggy bag | 1 |
0.2%
|
|
| savings | 1 |
0.2%
|
|
| she remembers all the expenses no records | 1 |
0.2%
|
|
| signing somewhere for transactions above k50 | 1 |
0.2%
|
|
| sometimes | 1 |
0.2%
|
|
| spend the money as planned | 1 |
0.2%
|
|
| stock taking on shop income | 1 |
0.2%
|
|
| store them some where | 1 |
0.2%
|
|
| stork taking | 1 |
0.2%
|
|
| take down notes | 1 |
0.2%
|
|
| tells wife | 1 |
0.2%
|
|
| they draw a bugdet | 1 |
0.2%
|
|
| they use bank statement | 1 |
0.2%
|
|
| think about what i have bought | 1 |
0.2%
|
|
| thougth the messge | 1 |
0.2%
|
|
| throgh checking the bank balance | 1 |
0.2%
|
|
| through a phone | 1 |
0.2%
|
|
| through assets | 1 |
0.2%
|
|
| through mobile money | 1 |
0.2%
|
|
| through phone transactions | 1 |
0.2%
|
|
| through recording a book | 1 |
0.2%
|
|
| through sms | 1 |
0.2%
|
|
| through the phone | 1 |
0.2%
|
|
| use of memory | 1 |
0.2%
|
|
| using a book to record | 1 |
0.2%
|
|
| using a mobile money account | 1 |
0.2%
|
|
| using cash books | 1 |
0.2%
|
|
| using mobile money | 1 |
0.2%
|
|
| we record | 1 |
0.2%
|
|
| when i buy what i want | 1 |
0.2%
|
|
| witting in a book | 1 |
0.2%
|
|
| write a budget | 1 |
0.2%
|
|
| write down | 3 |
0.6%
|
|
| write down in a book | 1 |
0.2%
|
|
| write down in the book | 1 |
0.2%
|
|
| write down my expences | 1 |
0.2%
|
|
| write everthing down | 1 |
0.2%
|
|
| write expenses in a notepad | 1 |
0.2%
|
|
| write in a note book | 1 |
0.2%
|
|
| write in a book | 6 |
1.3%
|
|
| write in a note book | 2 |
0.4%
|
|
| write in an excercise book | 1 |
0.2%
|
|
| write in book | 1 |
0.2%
|
|
| write in my book | 1 |
0.2%
|
|
| write in the book | 1 |
0.2%
|
|
| write it down in a book | 1 |
0.2%
|
|
| write on a piece of paper | 1 |
0.2%
|
|
| write on paper | 3 |
0.6%
|
|
| write records | 1 |
0.2%
|
|
| write somewhere | 1 |
0.2%
|
|
| write the budget | 1 |
0.2%
|
|
| write what i buy | 1 |
0.2%
|
|
| writes a budget | 1 |
0.2%
|
|
| writes down | 4 |
0.9%
|
|
| writes in a note book | 5 |
1.1%
|
|
| writes somewhere | 1 |
0.2%
|
|
| writes what l buy and the record | 1 |
0.2%
|
|
| writing | 1 |
0.2%
|
|
| writing a record | 1 |
0.2%
|
|
| writing down | 2 |
0.4%
|
|
| writing down all the money used | 1 |
0.2%
|
|
| writing down in a book | 1 |
0.2%
|
|
| writing in a book | 2 |
0.4%
|
|
| writing in book | 1 |
0.2%
|
|
| writing in the book | 1 |
0.2%
|
|
| writing on a book | 1 |
0.2%
|
|
| writing on a paper | 1 |
0.2%
|
|
| writing what i have spent | 1 |
0.2%
|
|
| writring down in the book | 1 |
0.2%
|
|
| writte | 1 |
0.2%
|
|
| written budget | 1 |
0.2%
|
|
| written record | 1 |
0.2%
|
|
| writting | 6 |
1.3%
|
|
| writting down each expense | 1 |
0.2%
|
|
| writting in a book | 2 |
0.4%
|
|
| writting in my note book | 1 |
0.2%
|
|
| writting in the book | 1 |
0.2%
|
|
| writting it on the book | 1 |
0.2%
|
|
| writting them down | 1 |
0.2%
|
|
| writtings | 1 |
0.2%
|
|
| wtite on paper | 1 |
0.2%
|
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.