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    Home / Central Data Catalog / ZMB-ZSA-FINSCOPE-2020-V1.0 / variable [F1]
central

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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  • Study Description
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  • 2020 Finscope
    data 7 July
    2022_anonymised

E.17_S. Specify how you mostly cover your expenses until you get money again. (E17_S)

Data file: 2020 Finscope data 7 July 2022_anonymised

Overview

Valid: 863
Invalid: 0
Type: Discrete
Width: 150
Range: -
Format: character

Questions and instructions

Categories
Value Category Cases
"Am just a dependant who entirely do familly work 1
0.1%
"she does nothing as well" 1
0.1%
"she does nothing" 1
0.1%
"she does piece works" 1
0.1%
"she does sold crops e.g maize" 1
0.1%
ADJUST EXPENSES 1
0.1%
ASK FROM CHILDREN 1
0.1%
ASK FROM THE SPOUSE 1
0.1%
Accept The Situation Without Doing Anything. 1
0.1%
Adjusting expenses 1
0.1%
BUSINESS 1
0.1%
BUY THE BASIC NEEDS 1
0.1%
Borrow,savings,ask from friends N family 1
0.1%
By Selling Livestock 1
0.1%
CUT DOWN ON EXPENSES 3
0.3%
CUT DOWN ON OTHER EXPENSES 1
0.1%
CUT DOWN ON UNECCESSARY EXPENSES 1
0.1%
CUT DOWN SOME EXPENSES 1
0.1%
CUTBON SOME EXPENSES 1
0.1%
Cut down expenses 1
0.1%
Cut down on expenses 2
0.2%
Cut down on regular expenses. 1
0.1%
Cut on expenses and do more work 1
0.1%
Cut on expenses. 1
0.1%
DO MORNING FARMING 1
0.1%
DO NOTHING 3
0.3%
DO SOME PEACE WORKS 1
0.1%
DOESNT NOT USUALLY RUN OUT BECAUSE WE PLAN 1
0.1%
DONT HAVE EXPENSES 1
0.1%
DONT HAVE EXPENSES ALL EXPENSES ARE DONE BY PARENT 1
0.1%
Depend on parents 1
0.1%
Do Nothing Over It. 1
0.1%
Do not earn any money 1
0.1%
Do not have money most of the time 1
0.1%
Do piece work 2
0.2%
Doesn't do anything 1
0.1%
Don't do anything 1
0.1%
Don't have expenses 1
0.1%
Don't have expeses 1
0.1%
Dont do anyhting 1
0.1%
Dont get any money, rely on my Aunty to provide 1
0.1%
Dont have ecpenses 1
0.1%
Dont have expenses 2
0.2%
Dont have expeses 1
0.1%
Expenses are taken care of by parents. 1
0.1%
FAMILY PAYS FOR ALL HIS EXPENSES 1
0.1%
FARMING 1
0.1%
Fall back on savings from farming. 1
0.1%
Family covers me 1
0.1%
Farming 1
0.1%
Fishing 2
0.2%
Gardening 1
0.1%
Get from work place 1
0.1%
HAS NO EXPENSES 1
0.1%
HAVE NO INCOME 1
0.1%
Has no income 1
0.1%
Have backup Maize for sale 1
0.1%
Husband provides everything 1
0.1%
I DO NOTHING 1
0.1%
I MAKE A BUDGET ACCORDING TO THE MONEY I HAVE 1
0.1%
I SIT DOWN WITH MY HUSBAND AND SEE THE WAY FORWARD 1
0.1%
I don't di anything 1
0.1%
I dont get money 1
0.1%
I dont have a income 1
0.1%
I go fishing 1
0.1%
I plan out of the little resources on to multiply 1
0.1%
I sell one of my properties 1
0.1%
I'm a dependant. 1
0.1%
INVEST THE REMAINING MONEY INORDER TO MAKE PROFIT 1
0.1%
Invest in the garden 1
0.1%
MANAGE WITH WHAT I HAVE 1
0.1%
MANAGE WITH WHAT I HAVE. 1
0.1%
MONEY FROM HUSBAND 1
0.1%
MONTHLY PENSION 1
0.1%
MY DAUGHTER TAKES CARE OF EVERYTHING 1
0.1%
MY PARENTS DO THAT FOR ME 1
0.1%
MY SPOUSE DOES EVEYTHING 1
0.1%
Minimise on the expenses 1
0.1%
NOTHING 5
0.6%
NOTHING UNLESS THERE IS A LITTLE 1
0.1%
No Income 1
0.1%
Not involved with covering expenses. 1
0.1%
Not Applicable 4
0.5%
Not Applicable,Looked after 1
0.1%
Not applicable 1
0.1%
Nothing 4
0.5%
PARENTS COVER EXPENSES 1
0.1%
PARENTS TAKE CARE OF EXPENSES 1
0.1%
PART TIME JOB 1
0.1%
Parents takes care 1
0.1%
Piece Works 1
0.1%
REDUCE ON BUYING THINGS SUCH AS SKIPPING TEA BREAK 1
0.1%
RESPONDENT HAS NO EXPENSES 1
0.1%
RESPONDENT RELIES ON PARENTS 1
0.1%
RESPONDENTS DOES PIERCE WORKS 1
0.1%
Reduce expenditure 1
0.1%
Reduce my expenses 1
0.1%
Reduce on expences 1
0.1%
Reduce on expenses 1
0.1%
Reduce on my expenses 1
0.1%
Rely on a business 1
0.1%
Rely on my family 1
0.1%
Rely on parents 1
0.1%
Respondent cuts down on expenditure 1
0.1%
SALARY ADVANCE 1
0.1%
SALE CHARCOAL 1
0.1%
SELL OFF SOME STORED MILLET FROM PREVIOUS HARVEST 1
0.1%
SELL SOME CROPS WHEN THEY CAN 1
0.1%
SELL WHAT I HAVE TO COVER EXPENSES 1
0.1%
SELLING SOME FARM PRODUCTS 1
0.1%
START SELLING CHICKENS 1
0.1%
Sale some Millet. 1
0.1%
Sale some livestock 1
0.1%
Sale stocked crops 1
0.1%
Sales of vegetable from the garden 1
0.1%
Sales of vegetables from the garden 1
0.1%
Sell One Livestoke 1
0.1%
Sell livestock 1
0.1%
Sell some livestocks. 1
0.1%
Sell the produce 1
0.1%
Selling firewood 1
0.1%
She has no idea 1
0.1%
Sometimes ask for help from parents 1
0.1%
TO BUY ONLY ITEMS THAT ARE ESENTIAL 1
0.1%
The son provides 1
0.1%
Usually relies on well wishers 1
0.1%
WAIT UNTIL THE MONEY COMES IN 1
0.1%
Wait for help from relatives. 1
0.1%
adjust 2
0.2%
adjust in my spending 1
0.1%
adjust on expenses 2
0.2%
adjust the budget 2
0.2%
adjusting expenses 1
0.1%
adjusy the expenses 1
0.1%
always buy to last for a mnth 1
0.1%
always struggle 1
0.1%
am stil to school 1
0.1%
arrend to the most urgent needs 1
0.1%
ask for help money from different people 1
0.1%
ask from children 1
0.1%
ask from my father 1
0.1%
ask from my husband 1
0.1%
ask from my parents 1
0.1%
ask husband 1
0.1%
ask my parent to give me 1
0.1%
asking parents 1
0.1%
being kept by son 1
0.1%
bettway 1
0.1%
borrow from our business 1
0.1%
boyfriend 1
0.1%
brew beer 1
0.1%
brew ilicity beer 1
0.1%
brew local beer 1
0.1%
brew local beer for sell 1
0.1%
brew more beer 1
0.1%
budgeting. 1
0.1%
burn charcoal 1
0.1%
burn charcoal and sell 1
0.1%
burning charcoal 1
0.1%
business 9
1%
business kantemba 1
0.1%
buy all essentials in advance 1
0.1%
buy cassave for stocking 1
0.1%
buy food in advance 1
0.1%
buy in advance 1
0.1%
buy necessities only 1
0.1%
buy selling crops 1
0.1%
buy somethimg to sell 1
0.1%
buy something then resell 3
0.3%
buy something to sell 1
0.1%
by farming 1
0.1%
calling children 1
0.1%
cash 1
0.1%
charcol burnning 1
0.1%
chilimba 4
0.5%
chitobo farmers cooperative group 1
0.1%
church 1
0.1%
church members do help 1
0.1%
church people tend to help 1
0.1%
community helps 1
0.1%
cut doen on regular expensses 1
0.1%
cut down expenses 8
0.9%
cut down expensses 2
0.2%
cut down expess 1
0.1%
cut down my expenses 1
0.1%
cut down on certain expenses 1
0.1%
cut down on eating 1
0.1%
cut down on expences 2
0.2%
cut down on expeneses 1
0.1%
cut down on expenses 26
3%
cut down on general expenses 1
0.1%
cut down on some expenses 1
0.1%
cut down other expenses 1
0.1%
cut down some expenses 2
0.2%
cut off some of expenses 1
0.1%
cut on expenses 2
0.2%
cut some expenses 1
0.1%
cutdown expenses 1
0.1%
cutdown on expenss 1
0.1%
cuts down on expesses 1
0.1%
cuts on expenses 1
0.1%
cutting down expensess 1
0.1%
depend on cassava it doesnt end 1
0.1%
depend on my brother 1
0.1%
dependant 1
0.1%
depends on parents 1
0.1%
digging wells to earn money 1
0.1%
do anythin 1
0.1%
do business 2
0.2%
do more piece works 2
0.2%
do not borrow 1
0.1%
do not have a income 2
0.2%
do not have expenses 4
0.5%
do nothing 24
2.8%
do nothing because i dont work 1
0.1%
do nothing im still young 1
0.1%
do nothing until i harvest my crops 1
0.1%
do pice work 1
0.1%
do piece work 4
0.5%
do piece works 11
1.3%
do piecework 2
0.2%
do pieceworks 1
0.1%
do some extra work 1
0.1%
do some piece work 1
0.1%
does farming 1
0.1%
does nothing 6
0.7%
does nothing fear credit 1
0.1%
does nothing us everything is provided by parents 1
0.1%
does sell crops 1
0.1%
does. not p a y for expenses 1
0.1%
doing nothing 1
0.1%
doing piece works 1
0.1%
don't have expences 1
0.1%
don't have expences most of expenses are meant bro 1
0.1%
don't have expense 1
0.1%
don't have expenses 2
0.2%
dont borrow 1
0.1%
dont buy 1
0.1%
dont do any thing 1
0.1%
dont do anything 2
0.2%
dont find myself in this situation 1
0.1%
dont get incom 1
0.1%
dont have expences 1
0.1%
dont have expenses 9
1%
dont have expenses his kept and not working 1
0.1%
dont have income 1
0.1%
dont have money 1
0.1%
dont have the expenses 1
0.1%
dont run out of money 1
0.1%
dont work 1
0.1%
economise 1
0.1%
employer 1
0.1%
engage in multi businesses 1
0.1%
expenses are paid by parents 1
0.1%
expenses done by household members 1
0.1%
extra piece works 1
0.1%
family support 1
0.1%
farm work 1
0.1%
farming 8
0.9%
fishing 3
0.3%
from business 2
0.2%
from children 1
0.1%
from farming 3
0.3%
from fishing 1
0.1%
from my small business 1
0.1%
garden helps me 1
0.1%
gardening 5
0.6%
get from husband 1
0.1%
get from my parents 1
0.1%
get from running business 1
0.1%
get from spouse 1
0.1%
get groceries in advance from shops 1
0.1%
get help from church people 1
0.1%
get inadvance the most important things 1
0.1%
get money from chilimba 1
0.1%
get money from debtors 1
0.1%
get the goods on credit and pay later 1
0.1%
get vital things first 1
0.1%
gey a salary advance from work 1
0.1%
gifts from church 1
0.1%
given by daughter 1
0.1%
go and catch fish for sale 1
0.1%
go for peace work 1
0.1%
go for piece working 1
0.1%
go for piece works 1
0.1%
go in the bush to cut fire wood to burn charcoal 1
0.1%
go to my farm and and some food 1
0.1%
going to the farm to my parents to get money 1
0.1%
grow more vegetables 1
0.1%
have never experienced that 2
0.2%
have no ecpenses 1
0.1%
he does gardening 1
0.1%
he sold crops e.g cassava 1
0.1%
her parents provide 1
0.1%
hubby borrow 1
0.1%
i buy according the amount i hv 1
0.1%
i continue doing piece work 1
0.1%
i do not contribute anything because am not workin 1
0.1%
i do nothing 2
0.2%
i do nothing im being kept 1
0.1%
i do piece work 1
0.1%
i don't do anything 1
0.1%
i don't have money related expenses 1
0.1%
i dont have any expenses 1
0.1%
i dont have expense 1
0.1%
i dont have expenses 1
0.1%
i dont work and i dont usually have money to spend 1
0.1%
i economise what i have 1
0.1%
i get on my knees nd pray 1
0.1%
i go back to work 1
0.1%
i just pray 1
0.1%
i rely on my mum 1
0.1%
i sale a chicken 1
0.1%
i sale cattle 1
0.1%
i sell charcoal 1
0.1%
i sell some livestock 1
0.1%
i sell somthing 1
0.1%
i spend the money wisely 1
0.1%
i stick to the budget, no misusing 1
0.1%
i sufer just like this because am old 1
0.1%
i usually do not run out of money 1
0.1%
i wait to be given by my parents again 1
0.1%
i wait until my guardians gives me what to use 1
0.1%
iam being kept 1
0.1%
income 1
0.1%
invest in alcohol 1
0.1%
invest in business 1
0.1%
invest in charcoal 1
0.1%
invest in small business 1
0.1%
its not me to cover expenses the household do so 1
0.1%
just kept by grand mother 1
0.1%
just stay 1
0.1%
just use what is available 1
0.1%
just wait for the next money 1
0.1%
just wait until she has money 1
0.1%
l depend on my parents 1
0.1%
l do farming 1
0.1%
l do look for more piece works 1
0.1%
l do piece work 1
0.1%
l dont have an income 1
0.1%
l have do business to cover my money 1
0.1%
l sell some thing 1
0.1%
lend the money and got later with interest 1
0.1%
let husband know 1
0.1%
life remains the same 1
0.1%
look for it. 1
0.1%
look for peace works 1
0.1%
look for piece work 1
0.1%
looking for work 1
0.1%
maintain with the little that is availble 1
0.1%
make another plan 1
0.1%
make more chacoal 1
0.1%
make more sales 1
0.1%
make mukoyo and sell 1
0.1%
manage what i have 1
0.1%
manage what she has 1
0.1%
member of village banking 1
0.1%
mom covers my expenses 1
0.1%
mum does everything 1
0.1%
my children send money 1
0.1%
my father pays for all my expenses 1
0.1%
my father provides 1
0.1%
my husband is the provider 1
0.1%
my mother borrows from chilimba 1
0.1%
my mum 1
0.1%
my parent does everything for me 1
0.1%
my parent does that responsibility 1
0.1%
my parent provides for me 1
0.1%
my parents provides for me 1
0.1%
my parents will provide 1
0.1%
my son helps me 1
0.1%
never experinced that 1
0.1%
never runs out of money 1
0.1%
never spends money 1
0.1%
no expence 1
0.1%
no expenses 4
0.5%
no expenses on me 1
0.1%
no need 1
0.1%
no plan 1
0.1%
no where 1
0.1%
no where to go 1
0.1%
none 6
0.7%
not applicable 6
0.7%
not appplicable 1
0.1%
not spending 1
0.1%
nothing 72
8.3%
nothing all expenses are paid for 1
0.1%
nothing am old 1
0.1%
nothing he does just depend on his parents 1
0.1%
nothing just use the one i use on business 1
0.1%
nothing just wait for next salary 1
0.1%
nowhere 1
0.1%
only buy necessities 1
0.1%
only farming 1
0.1%
order a few goods for sale 1
0.1%
parent 1
0.1%
parents 3
0.3%
parents are in charge 1
0.1%
parents do this 1
0.1%
parents look after him 1
0.1%
parents pay for expenses 1
0.1%
parents provide 1
0.1%
peace works 2
0.2%
peice works 1
0.1%
perents 1
0.1%
piece 1
0.1%
piece of work 1
0.1%
piece work 9
1%
piece works 7
0.8%
planning on how to get money next 1
0.1%
planting vegetables 1
0.1%
process more beer 1
0.1%
produce charcoal 1
0.1%
punic farming 1
0.1%
raise money from fishing 1
0.1%
rastioning 1
0.1%
reduce expenditure 1
0.1%
reduce expenses 2
0.2%
reduce on expenditure 1
0.1%
reduce on expense 1
0.1%
reduce on expenses 5
0.6%
reduce on expesses 1
0.1%
reduce on some expenses 1
0.1%
reduce on unnecessary spending 1
0.1%
reduce the budget 1
0.1%
reduces expenses 1
0.1%
reducing amount spent on expenses 1
0.1%
reducing on expenses 1
0.1%
relies on the business for the vehicle 1
0.1%
rely on bussiness 1
0.1%
rely on his livestock 1
0.1%
rely on husband 2
0.2%
rely on my husband 1
0.1%
rely on my parents to provide 1
0.1%
rely on parents 4
0.5%
rely on parrent 1
0.1%
rely on the head of the household 1
0.1%
rentals 1
0.1%
rentals from fathers house 1
0.1%
respondant isn't applicable 1
0.1%
run for piece works 1
0.1%
run to my parents 1
0.1%
sale a chicken 1
0.1%
sale belonging 1
0.1%
sale cattle 1
0.1%
sale crops 2
0.2%
sale livestock 3
0.3%
sale livestoct 1
0.1%
sale my crops 1
0.1%
sale of produce 1
0.1%
sale produce from garden 1
0.1%
sale rape from garden 1
0.1%
sale simething and use the money gotten 1
0.1%
sale some livestock 1
0.1%
sale some of my crops 1
0.1%
sale the remaining crops 1
0.1%
sale vagetables from the garden 1
0.1%
school child- no expenses 1
0.1%
sell a livestock 1
0.1%
sell a property 1
0.1%
sell agric products 1
0.1%
sell an asset 2
0.2%
sell an item 1
0.1%
sell b 1
0.1%
sell broilers 1
0.1%
sell chacoal sometimes 1
0.1%
sell chickens 4
0.5%
sell chickens and goats 1
0.1%
sell cows 1
0.1%
sell crops 2
0.2%
sell crops being produced 1
0.1%
sell ducks 1
0.1%
sell extra food from farm 1
0.1%
sell farm produce 7
0.8%
sell farm product 1
0.1%
sell farming produce 1
0.1%
sell food produced from farming 1
0.1%
sell goat or chicken 1
0.1%
sell goats 1
0.1%
sell goods to cover 1
0.1%
sell groundnuts 1
0.1%
sell item 1
0.1%
sell items 1
0.1%
sell livestock 11
1.3%
sell livestock or poultry 1
0.1%
sell maize grains 1
0.1%
sell more crops from the reserve 1
0.1%
sell my chickens 2
0.2%
sell my live stock 1
0.1%
sell our goods like chickens 1
0.1%
sell produce 2
0.2%
sell some assets 1
0.1%
sell some belongings 1
0.1%
sell some chickens 1
0.1%
sell some hoisehold items 1
0.1%
sell some items 2
0.2%
sell some livestock 4
0.5%
sell some more farm produce 1
0.1%
sell something 7
0.8%
sell something like livestocks 1
0.1%
sell something not intended for this purpose 1
0.1%
sell stock crops 1
0.1%
sell stock of crops 1
0.1%
sell the reserved farm produce meant for eating 1
0.1%
sell things 2
0.2%
selling charcoal 1
0.1%
selling livestock 2
0.2%
selling livestock like chicken or goat 1
0.1%
selling livestocks 1
0.1%
selling livestocks or farm produce 1
0.1%
selling of livestock 1
0.1%
selling of livestock like cow, chicken etc. 1
0.1%
selling own livestock 1
0.1%
sells alcohol 1
0.1%
sells farm and garden produce as well as livestock 1
0.1%
sells livestock to cover up the expenses 1
0.1%
sells part ofhis production 1
0.1%
send children to her mum 1
0.1%
she does family work. 1
0.1%
she does piece works assess 1
0.1%
she does sold crops e.g maize and tomatos 1
0.1%
she does sold grasses as roof to different people 1
0.1%
she is a dependant 1
0.1%
shoe repairing 1
0.1%
small jobs 1
0.1%
sold crops 1
0.1%
sold katata and kachaso 1
0.1%
sold more livestock 1
0.1%
spend less 1
0.1%
spouse pays expense 1
0.1%
start a small business 1
0.1%
start selling tomatoes 1
0.1%
start up a business 1
0.1%
start up something eg farming 1
0.1%
starting a bussiness 1
0.1%
still at school 3
0.3%
still going to school 1
0.1%
tell the husbsnd 1
0.1%
tell the spouse 1
0.1%
they did nothing 1
0.1%
they do things for me 1
0.1%
through depending on my family 1
0.1%
timber making 1
0.1%
try and levy for more time 1
0.1%
usaully no money 1
0.1%
use from own bussines 1
0.1%
use less of the money i havw 1
0.1%
use oxcat for hire and sale livestock 1
0.1%
village bank 1
0.1%
wair for rental payment 1
0.1%
wait 2
0.2%
wait for salary 2
0.2%
wait for social cash tranfer 1
0.1%
wait for the next season 1
0.1%
wait for the salary 1
0.1%
wait till i have money 1
0.1%
wait until harvest time 1
0.1%
wait until we have money 1
0.1%
wait untill they grow their crops and harvest 1
0.1%
we do piece works 1
0.1%
when am given money 1
0.1%
work advance 1
0.1%
work extra hard and family 1
0.1%
work extra hours 1
0.1%
work hard 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.
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