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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
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Aug 17, 2025
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Feb 26, 2026
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F.4_S. Specify the main reason for you to keep your savings. (F4_S)

Data file: 2020 Finscope data 7 July 2022_anonymised

Overview

Valid: 600
Invalid: 0
Type: Discrete
Width: 150
Range: -
Format: character

Questions and instructions

Categories
Value Category Cases
AGRICULTURE PURPOSES 1
0.2%
BECAUSEVSHE DOESNT HAVE MONEY 1
0.2%
CANNOT WITHDRAW AT ANYTIME AND MISUSE THE MONEY 1
0.2%
COVERS SCHOOL FEES 1
0.2%
DIDNT SAVE 1
0.2%
DIFFICULT TO WITHDRAW COMPARED TO MOBILE MONEY 1
0.2%
DO NOT HAVE SAVINGS 1
0.2%
DO NOT SAVE 3
0.5%
DO NOT SAVE MONEY 1
0.2%
DOES NOT SAVE MONEY 1
0.2%
DONT DO IT AT ALL 1
0.2%
DONT DONT THAT 1
0.2%
DONT HAVE SAVINGS 1
0.2%
DONT KEEP MONEY 1
0.2%
DONT SAVE 1
0.2%
DONT SAVE/NERVER SAVED BEFORE 1
0.2%
Do Not save 1
0.2%
Do Not save. 1
0.2%
Do not have savings 3
0.5%
Do not keep savings 2
0.3%
Doesn't earn enough to save money 1
0.2%
Don't have savings 1
0.2%
Don't keep savings 1
0.2%
Don't save at home 1
0.2%
Don't save money 1
0.2%
Don't save money at all 1
0.2%
Don't save. No money to save 1
0.2%
Dont Save 1
0.2%
Dont keep 1
0.2%
Dont save 2
0.3%
EDUCATION 1
0.2%
EMERGENCY USE 1
0.2%
Emergency 1
0.2%
FOR EMERGENCIES 1
0.2%
FOR EMERGENCY USE 1
0.2%
FOR FUTERE PROJECTS 1
0.2%
FOR FUTURE USE 3
0.5%
FOR USE INTIMES OF PROBLEMS. 1
0.2%
FUTURE USE 3
0.5%
Fo the unexpected eventualities 1
0.2%
Food and educatuon for future 1
0.2%
For Emergency 1
0.2%
For emergency 1
0.2%
For future needs 1
0.2%
For future use 5
0.8%
For the future 1
0.2%
For the future use 1
0.2%
For the unexpected 1
0.2%
For unforeseenn circumstances 1
0.2%
Future use 3
0.5%
Future use and emergencies 1
0.2%
GOVERNMENT REQUIREMENT 1
0.2%
I DO NOT SAVE 1
0.2%
I Dont Save 2
0.3%
I HAVE ENOUGH SAVINGS 1
0.2%
I dont save 1
0.2%
I have no money 1
0.2%
INCASE OF AN EMERGENCY 1
0.2%
ITS MY MONELY CONTRIBUTION FROM MY EMPLOYER 1
0.2%
In case of any emergance and business 1
0.2%
MONEY IS SAFE AND PREVENTS HER FROM UNECESSARY S.. 1
0.2%
Mandatory from previous employer 1
0.2%
NO CHARGES WITH CHILIMBA 1
0.2%
NO MONEY 2
0.3%
NOT APPLICABLE 1
0.2%
NOT SAVING 1
0.2%
NOTHING SKIP WAS NOT WORKING 1
0.2%
Never heard 1
0.2%
No Reason 1
0.2%
No enough funds to save 1
0.2%
No income 1
0.2%
No reason 1
0.2%
No savings 2
0.3%
No savngs 1
0.2%
Not Applicable 1
0.2%
Not Applicable 1
0.2%
Not aplicable, dont save anything 1
0.2%
Not applicable 1
0.2%
Not in Employment 1
0.2%
PREPARATION FOR RETIREMENT 1
0.2%
SAVING FOR FUTURE USE 1
0.2%
STUDENT 1
0.2%
Save money 1
0.2%
So that the money can be used when its needed 1
0.2%
TO ADD ON MY CAPITAL 1
0.2%
TO AVOID UN WANTED EXPENDITURE 1
0.2%
TO AVOID UNECESSARY SPENDING 2
0.3%
TO GET FERTILIZER 1
0.2%
TO PAY FOR TUITION FEES 1
0.2%
TO PREPARE FOR THE FUTURE 1
0.2%
TO USE FOR PERSONAL EXPENSES 1
0.2%
To come and invest in business 1
0.2%
To help when unexpected expenses arise 1
0.2%
To use for emergencies 1
0.2%
To use it for future use 1
0.2%
Wants to buy a plot 1
0.2%
aave for later use 1
0.2%
access with members of the community 1
0.2%
am improbing my house 1
0.2%
avoids me from misuse 1
0.2%
banks are far 1
0.2%
banks are fer away 1
0.2%
because i admired other people's way of life 1
0.2%
because it's his money, he can do whatever he want 1
0.2%
because of no other sources of money 1
0.2%
because the money is not enough 1
0.2%
because we live in villages 1
0.2%
built in future 1
0.2%
business 1
0.2%
bussiness 1
0.2%
buy a plot 1
0.2%
buy cement 1
0.2%
buying farming inputs 1
0.2%
buying fertiliser 1
0.2%
buying something lmportant eg-livestock 1
0.2%
can borrow when in need 1
0.2%
cant afford 1
0.2%
did not 2
0.3%
did not keep money 1
0.2%
did not save 1
0.2%
didnt 1
0.2%
do not belong to any savings group 1
0.2%
do not have enough money 2
0.3%
do not have enough money to save 1
0.2%
do not have money 1
0.2%
do not have money to save 1
0.2%
do not have savings 1
0.2%
do not keep any money 1
0.2%
do not keep any money at the bank 1
0.2%
do not keep my savings 2
0.3%
do not keep savings 1
0.2%
do not save 2
0.3%
do not save any money 1
0.2%
do not use this product 1
0.2%
does not apply 1
0.2%
does not have money to save 1
0.2%
does not kep savings 1
0.2%
does not save 5
0.8%
does not want to aquire loans for needs 1
0.2%
doesn't have savings 1
0.2%
doesnt have savings 2
0.3%
doesnt know 2
0.3%
doesnt save 1
0.2%
doesnt usually save 1
0.2%
don' Save 1
0.2%
don't have enough money for savings 1
0.2%
don't have to save 1
0.2%
don't save 4
0.7%
dont borrow money 1
0.2%
dont do any savings 1
0.2%
dont have any savings 1
0.2%
dont have enogh money 1
0.2%
dont have enough money 1
0.2%
dont have money 5
0.8%
dont hv enough fund to save 1
0.2%
dont keep 1
0.2%
dont keep any 1
0.2%
dont keep money 1
0.2%
dont keep savings 2
0.3%
dont know 5
0.8%
dont save 15
2.5%
dont save at the moment 1
0.2%
dont save money 2
0.3%
dont save only receive for school 1
0.2%
dont want to have a financial crises 1
0.2%
dosent have any savings 1
0.2%
easy to save 1
0.2%
educating my children 1
0.2%
education and rentals 1
0.2%
education money for children 1
0.2%
emergencies 4
0.7%
emergency program 1
0.2%
employer' requirement 1
0.2%
far away the services 1
0.2%
farming purpose 1
0.2%
fo futuer use 1
0.2%
foe e emergencies 1
0.2%
food for the household 1
0.2%
for a better future 1
0.2%
for buy things 1
0.2%
for children 1
0.2%
for development in the family 1
0.2%
for emengecies 1
0.2%
for emergancy 1
0.2%
for emergence use 1
0.2%
for emergencies 3
0.5%
for emergency 2
0.3%
for emergency things 1
0.2%
for emergency use 1
0.2%
for emgercy 1
0.2%
for emmegency purposes 1
0.2%
for farming input purpose 1
0.2%
for farming inputs 1
0.2%
for farming or emergency issiues 1
0.2%
for farming purposes 1
0.2%
for future and bussiness 1
0.2%
for future generation to have a better life 1
0.2%
for future purposes 1
0.2%
for future use 45
7.5%
for future use(eg for buying building material) 1
0.2%
for future user 1
0.2%
for future usr 1
0.2%
for home consuption 1
0.2%
for me to access fertilizer 1
0.2%
for my family 1
0.2%
for savings 1
0.2%
for school 2
0.3%
for school fees and farming inputs 1
0.2%
for security purposes 1
0.2%
for the future 1
0.2%
for unexpected expenses at home 1
0.2%
for unexpected problems 1
0.2%
for unxpected things 1
0.2%
for use at a later period 1
0.2%
for use later in the future 1
0.2%
for using when things go wrong 1
0.2%
futura 1
0.2%
future plans 2
0.3%
future use 18
3%
goverment policy 1
0.2%
grow buissiness 1
0.2%
has no savings 2
0.3%
have enough money for farming 1
0.2%
have money to keep on drinking beer 1
0.2%
have no savings 3
0.5%
have no source of income 1
0.2%
have some money for emergency 1
0.2%
have some money in case of any real emergency 1
0.2%
help in times of need 1
0.2%
help me in case of anything 1
0.2%
help me to manage 1
0.2%
help us with unexpected expenses 1
0.2%
help use it in future 1
0.2%
helpes me buy things i cant afford 1
0.2%
helps in unexpectd expenses 1
0.2%
helps me save and get fertilizer 1
0.2%
helps you save money 1
0.2%
i always have less money in my house 1
0.2%
i cause of anything 1
0.2%
i consume everything i earn. 1
0.2%
i did'g have money 1
0.2%
i do not keep any savings 1
0.2%
i don't have money to be in same mean savings 1
0.2%
i don't have savings 2
0.3%
i don't havev enoug h money to save 1
0.2%
i don't money 1
0.2%
i don't save 1
0.2%
i dont have an account 1
0.2%
i dont have any savings 2
0.3%
i dont have money to save 1
0.2%
i dont have savings 1
0.2%
i dont hv enough money to save 1
0.2%
i dont keep savings 2
0.3%
i dont keep servings 1
0.2%
i dont save 3
0.5%
i dont save any money 1
0.2%
i dont serve 1
0.2%
i dont use this 1
0.2%
i dont want to miss use 1
0.2%
i have becouse i can have unexpected expenses 1
0.2%
i have no savings 1
0.2%
i never have money 1
0.2%
i save becuase i may need to use it in future 1
0.2%
i want to have my own plot 1
0.2%
in case l need it for unexpected expenes 1
0.2%
in case of an emergency 2
0.3%
in case of emergency 2
0.3%
in case of unforsen circustance 1
0.2%
incase i need something in future 1
0.2%
incase of emergency 1
0.2%
incase problems that need finacial attention arise 1
0.2%
inoder for not using everyday 1
0.2%
interest but is willing to try it 1
0.2%
interest is low 1
0.2%
it grows quickly 1
0.2%
it helps to cope with unforeseen chalenges 1
0.2%
it is mandatory 1
0.2%
it is the only way of saving that is known 1
0.2%
it is to get when there is emergency 1
0.2%
it will assist in the near future 1
0.2%
it's the best way of saving since my money is smal 1
0.2%
its mandatory 1
0.2%
its mandotory to contribute 1
0.2%
just to increase the total amount for reguler expe 1
0.2%
just to try and not misuse money 1
0.2%
keep safe 1
0.2%
keeping money safe to use for farming 1
0.2%
l dont have money 1
0.2%
l dont have savings 2
0.3%
l dont save 1
0.2%
l dont use 1
0.2%
l dosent have any savings 1
0.2%
l have no any other way to save 1
0.2%
l want to start building 1
0.2%
low income earned 1
0.2%
may use savings when there is an emmegency 1
0.2%
money is not inhelf 1
0.2%
money is safe 1
0.2%
money too little 1
0.2%
monthly pension 1
0.2%
never borrowed 1
0.2%
never head of it 1
0.2%
no contact 1
0.2%
no enough money 1
0.2%
no idea 1
0.2%
no income 1
0.2%
no money 1
0.2%
no money for saving 1
0.2%
no money to save 1
0.2%
no plan 1
0.2%
no reason 1
0.2%
no reason at all 1
0.2%
no saving 2
0.3%
no savings 12
2%
non applicable 2
0.3%
none 7
1.2%
none of the above 1
0.2%
not aplicable 1
0.2%
not applicable 15
2.5%
not applicable - no saving 1
0.2%
not applicable to main respondant 1
0.2%
not application 1
0.2%
not applicsble 1
0.2%
not enough money 1
0.2%
not expensive to use 1
0.2%
not keeping yet 1
0.2%
not saved 1
0.2%
not to spend uneccersarily 1
0.2%
not working 2
0.3%
not yet joined community groups 1
0.2%
nothing 2
0.3%
other saving options not available in our locality 1
0.2%
parent do it 1
0.2%
pension 1
0.2%
poverty (hand to mouth) 1
0.2%
refused 1
0.2%
requirement 1
0.2%
save for future use 1
0.2%
save for the future 1
0.2%
save money 1
0.2%
save so that i can educate my farmily 1
0.2%
saving 1
0.2%
security 1
0.2%
security purposes 1
0.2%
service charges are low 1
0.2%
she does'nt keep any money 1
0.2%
she doesn't save 1
0.2%
she dont have any income to save money 1
0.2%
she has no servings 1
0.2%
skip did not work 1
0.2%
so it can be used in case of anything 1
0.2%
so that I dont struggle when farming season starts 1
0.2%
so that i can use the money later 2
0.3%
so that i can use when i need it 1
0.2%
so that i dont spend it unnecessarily 1
0.2%
so that i save for future use 1
0.2%
so that it can be used when needed 1
0.2%
so that it keeps me going 1
0.2%
so that money is not wasted 1
0.2%
so that my account is not closed 1
0.2%
so that we use when we have unexpected expenses 1
0.2%
solv problems 1
0.2%
something to fall back when things are bad 1
0.2%
suits my saving needs 1
0.2%
the repondant dont save 1
0.2%
they don"t save 1
0.2%
they dont charge anything 1
0.2%
they dont keep any 1
0.2%
to avoid misusing the money 1
0.2%
to avoid over spending 1
0.2%
to avoid using money on unplanned expences 1
0.2%
to be used when things go wrong 1
0.2%
to buy food and cllothes 1
0.2%
to buy something 1
0.2%
to buy what I want later 1
0.2%
to buy whatbi want 1
0.2%
to cater for unforseen expected ivents 1
0.2%
to cope regular expenses 1
0.2%
to cope unexpected expenses 1
0.2%
to have interest 1
0.2%
to have money for future 1
0.2%
to have the money grow and use it at a later stage 1
0.2%
to help him save 1
0.2%
to help in the future 1
0.2%
to help me buy what i want 1
0.2%
to help me cope in unexpected expenses 1
0.2%
to help when in need 1
0.2%
to help when needed 1
0.2%
to improve my business 1
0.2%
to keep money for school 1
0.2%
to keep the money safe and get when i need to use 1
0.2%
to make a better future 1
0.2%
to not misuse it 1
0.2%
to save 1
0.2%
to save for education 1
0.2%
to save money 2
0.3%
to save money to help me when i need 1
0.2%
to secure future for my children 1
0.2%
to store or save 1
0.2%
to the maize to the harmmer mill 1
0.2%
to use at a later stage when the need arises 1
0.2%
to use for emergency 1
0.2%
to use for farming purposes 1
0.2%
to use in case of ememergecy 1
0.2%
to use in future 2
0.3%
to use it at a later stage 1
0.2%
to use it in future 1
0.2%
to use it later 1
0.2%
to use later 1
0.2%
to use the money later 1
0.2%
to use the money when emegency arises 1
0.2%
to use when in need 1
0.2%
to use when things are hard 1
0.2%
unexpected expenses 1
0.2%
unexpected problems 1
0.2%
unnexpected expenses 1
0.2%
use for later 1
0.2%
use in emergency 1
0.2%
use later for an emergency 1
0.2%
use the money in terms of need 1
0.2%
want to build house 1
0.2%
want to buy a motorbike 1
0.2%
want to buy assets when money accumulates sufficie 1
0.2%
want to buy clothes 1
0.2%
wsnt to buy land 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.
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