Home / Central Data Catalog / ZMB-ZSA-FINSCOPE-2020-V1.0 / variable [F1]
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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
Last modified
Feb 26, 2026
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F.5_S. Specify what you mainly save for. (F5_S)

Data file: 2020 Finscope data 7 July 2022_anonymised

Overview

Valid: 582
Invalid: 0
Type: Discrete
Width: 150
Range: -
Format: character

Questions and instructions

Categories
Value Category Cases
ANYTHING THAT COMES 1
0.2%
BUYING BOOKS 1
0.2%
BUYING CLOTHES 1
0.2%
Building a house 1
0.2%
Buy Land 1
0.2%
Buy airtime 1
0.2%
Buy building materials 1
0.2%
Buying cows 1
0.2%
Buying school materials 1
0.2%
CAPITAL 1
0.2%
CHILDRENS EDUCATION 1
0.2%
Clothes 1
0.2%
DID NOT SAVE ANYTHING 1
0.2%
DID NOT SAVE AT ALL 1
0.2%
DID NOT SAVED ANY 1
0.2%
DID SAVE ANY MONEY 1
0.2%
DIDNT SAVE 3
0.5%
DIDNT SAVE ANY 1
0.2%
DO NOT HAVE SAVINGS 1
0.2%
DO NOT SAVE 6
1%
DO NOT SAVE MONEY 1
0.2%
DOES NOT SAVE 1
0.2%
DON'T SAVE ANY MONEY 1
0.2%
DONT HAVE ACCOUNT 1
0.2%
DONT SAVE 1
0.2%
DONT SAVE AT ALL 1
0.2%
Did not save 1
0.2%
Do not Save. 1
0.2%
Do nt keep savings 1
0.2%
Don't keep savings 1
0.2%
Don't save money 2
0.3%
Dont do any saving 1
0.2%
Dont eave 1
0.2%
Dont know 1
0.2%
Dont save 1
0.2%
EDUCATION 2
0.3%
Educating children 1
0.2%
Education 2
0.3%
Education and developing the land i have 1
0.2%
Emergencies 1
0.2%
Expenses 1
0.2%
FOR BUILDING A HOUSE 1
0.2%
FOR BUYING BUILDING MATERIALS 1
0.2%
FOR EDUCATION 1
0.2%
FOR EXPECTED & UNEXPECTED EXPENSES 1
0.2%
FOR FARMING 1
0.2%
FOR FUTURE USE 1
0.2%
FOR REWRITING GCE 1
0.2%
FOR SCHOOL FEES 1
0.2%
FOR THE FUTURE OF THE CHILDREN 1
0.2%
FUTURE PURPOSES 1
0.2%
Farming purposes 1
0.2%
For college tution fees 1
0.2%
For future use 2
0.3%
For regular and unexpected expences 1
0.2%
For the unexpected 1
0.2%
Future use 2
0.3%
Future use and emergencies 1
0.2%
HELP OUT WITH BOTH REGULAR & UNEXPECTED EXPENSES 1
0.2%
HELP WITH BOTH EXPECTED AND UNEXPECTED EXPENSES 1
0.2%
Has not saved 1
0.2%
Have no savings 1
0.2%
He doenst have any money to save at the moment 1
0.2%
I Dont Save 1
0.2%
I Dont Save Money 1
0.2%
I HAVE A DUTY TO PAY ELECTRICITY BILLS EVERY MONTH 1
0.2%
I dont save 1
0.2%
I have no savings 1
0.2%
I wasn't my money 1
0.2%
Intends to start a business 1
0.2%
Money to use for school 1
0.2%
NEVER SAVED BEFORE 1
0.2%
NOT APPLICABLE 1
0.2%
NOTHING SKIP NOT WORKING 1
0.2%
No savings 5
0.9%
Not Applicable 2
0.3%
Not keeping yet 1
0.2%
Nothing 1
0.2%
RESPONDENT CURENTLY HAS NO MONEY SAVED 1
0.2%
RETIREMENT 1
0.2%
SCHOOL 1
0.2%
SCHOOL FEES 2
0.3%
School fees 1
0.2%
TO HELP ME WHEN AM OLD 1
0.2%
The future 1
0.2%
Things the respondent plans to buy or pay for 1
0.2%
To buy clothes and other gudgets 1
0.2%
To generate more money through interest accrued. 1
0.2%
To inhence on education 1
0.2%
Vehicle/Car 1
0.2%
Want to buy a phone 1
0.2%
achieve financial goals 1
0.2%
airtime 1
0.2%
already old no need to save 1
0.2%
avoid spending it on unitttended things 1
0.2%
beer 2
0.3%
bicycle 1
0.2%
boosting the business 1
0.2%
both regular and unexpected expenses 1
0.2%
bought a cow 1
0.2%
bought cows 1
0.2%
bought goat 1
0.2%
building expenses and school 1
0.2%
building my own school 1
0.2%
business 1
0.2%
bussiness 1
0.2%
buy airtime 1
0.2%
buy a phone 1
0.2%
buy a plot 1
0.2%
buy an asset 1
0.2%
buy clothes 2
0.3%
buy fertilizer and food stuffs 1
0.2%
buy livestock 1
0.2%
buy livestock and build a house 1
0.2%
buy plot to build a house 1
0.2%
buying a phone 1
0.2%
buying a plot 1
0.2%
buying and selling fish 1
0.2%
buying animals 1
0.2%
buying books and school shoes 1
0.2%
buying cattle 1
0.2%
buying clothes 2
0.3%
buying clothes and plaiting hair 1
0.2%
buying fertilizer 1
0.2%
buying inputs 1
0.2%
buying iron sheets 1
0.2%
buying items i am lacking 1
0.2%
buying livestock 1
0.2%
buying livestock eg cattle 1
0.2%
buying school books 1
0.2%
buying things needed for school 1
0.2%
child birth 1
0.2%
children's education 1
0.2%
childrens 1
0.2%
childrens education 1
0.2%
clothes 3
0.5%
construction 1
0.2%
develop my land 1
0.2%
did not 1
0.2%
did not keep the money 1
0.2%
did not save 6
1%
did not save any money 2
0.3%
did noy save 1
0.2%
did't save any 1
0.2%
didn't 1
0.2%
didn't save any 1
0.2%
didn't save any money 1
0.2%
didnt save 5
0.9%
didnt save any money. 1
0.2%
didnt save anything 1
0.2%
do not have money 1
0.2%
do not save 7
1.2%
do not save money 1
0.2%
does not keep savings 1
0.2%
does not save 2
0.3%
does not save any money 1
0.2%
does not save money 1
0.2%
doesn't have savings 1
0.2%
doesnt 1
0.2%
doesnt have savings 1
0.2%
don't save 1
0.2%
dont borrow 1
0.2%
dont have any savings 1
0.2%
dont have money 2
0.3%
dont have money saved 1
0.2%
dont keep any savings 1
0.2%
dont know 2
0.3%
dont save 12
2.1%
dont save any money 1
0.2%
dont save money 1
0.2%
dont save. 1
0.2%
educ!tion 1
0.2%
educatiing my childrens 1
0.2%
educating my children 1
0.2%
educating my self and my family 1
0.2%
education 24
4.1%
education /garden materials 1
0.2%
education expenses 1
0.2%
education fees 1
0.2%
education for children 2
0.3%
education for my children 1
0.2%
education purposes 1
0.2%
education up grading 1
0.2%
educational expenses 1
0.2%
educational fees 1
0.2%
ememgencies 1
0.2%
emergencies 4
0.7%
emergency 1
0.2%
emergicies 1
0.2%
expecting a baby 1
0.2%
extend my house 1
0.2%
farming 1
0.2%
farming and business purposes. 1
0.2%
farming and living expenses 1
0.2%
farming and school childern 1
0.2%
farming or emegerncy purposes 1
0.2%
farming/land 1
0.2%
fertilizer 2
0.3%
fishing 1
0.2%
food 2
0.3%
for a better future 1
0.2%
for a phone 1
0.2%
for building 1
0.2%
for building a house 1
0.2%
for building purpose and school fees 1
0.2%
for buying lotion and cloths 1
0.2%
for chickens 1
0.2%
for children school fees 1
0.2%
for church 1
0.2%
for driving course 1
0.2%
for educaction 1
0.2%
for educating my children or anything that may com 1
0.2%
for education 3
0.5%
for education purposes 1
0.2%
for electricity 1
0.2%
for emergences 1
0.2%
for emergencies 1
0.2%
for emergency 2
0.3%
for emergency purposes 1
0.2%
for emmergency 1
0.2%
for entertainment eg talktime 1
0.2%
for future use 9
1.5%
for future use and other expected circumstances 1
0.2%
for future use or emergency 1
0.2%
for ironsheets and matress 1
0.2%
for living expencess 1
0.2%
for my childen 1
0.2%
for my education 2
0.3%
for my kids 1
0.2%
for my personal emergencies 1
0.2%
for my wife andchildren 1
0.2%
for paying school fees 1
0.2%
for personal use 2
0.3%
for rentals 1
0.2%
for safety 1
0.2%
for school 8
1.4%
for school children 1
0.2%
for school fees 2
0.3%
for talk time 1
0.2%
for the future 1
0.2%
for tuition fees 1
0.2%
for use 1
0.2%
for use ar 1
0.2%
for when i stop work or retire 1
0.2%
future 1
0.2%
future emergencies 1
0.2%
future expenses 1
0.2%
future plans 1
0.2%
future use 5
0.9%
garden products 1
0.2%
hand to mouth 1
0.2%
has no savings 2
0.3%
hasn't saved anything 1
0.2%
have no saved money 1
0.2%
have no saving 1
0.2%
have not saved any money 1
0.2%
have not saved anything 1
0.2%
have not used the money yet 1
0.2%
haven't used it yet 1
0.2%
havent saved 1
0.2%
he does save for buy property such as iron sheets" 1
0.2%
he does save for farming and living expenses. 1
0.2%
he dosent have any savings 1
0.2%
he has not saved anything yet new account 1
0.2%
he wants to strt betting 1
0.2%
help you when you are old and cant work 1
0.2%
helped a family member who was sick 1
0.2%
helping a relative with education 1
0.2%
household expenses 1
0.2%
i avoid miss using 1
0.2%
i bought cattle 1
0.2%
i bought iron sheets for roofing my house 1
0.2%
i currently have no savings 1
0.2%
i did not save any 1
0.2%
i did not save at all. 1
0.2%
i dindn't save anything 1
0.2%
i do not keep savings 1
0.2%
i do not save 1
0.2%
i don't have expenses 1
0.2%
i don't have money 1
0.2%
i don't save 1
0.2%
i dont have any savings 1
0.2%
i dont have savings 1
0.2%
i dont save 3
0.5%
i dont save money 3
0.5%
i dont serve 1
0.2%
i gave back i owwed money 1
0.2%
i have no money 1
0.2%
i have no money to save 2
0.3%
i have no savings 1
0.2%
i never saved money 1
0.2%
i want to go colleage next year 1
0.2%
immergency 1
0.2%
improving lives 1
0.2%
in cause of anyting 1
0.2%
interest is low 1
0.2%
iron sheets 1
0.2%
it for the education 1
0.2%
it is saved for a particular purpose 1
0.2%
just for keeping 1
0.2%
just savung for any case of emergeny 1
0.2%
l Don't save 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%
laptop 1
0.2%
live stock 1
0.2%
lobola 1
0.2%
medical 1
0.2%
medication 1
0.2%
money for fertilizer 1
0.2%
money for school 1
0.2%
money to go back to school 1
0.2%
money to use later 1
0.2%
money to use later when need arises 1
0.2%
money used to educate my children 1
0.2%
my children 1
0.2%
never borrowed 1
0.2%
never have money to save 1
0.2%
never saved 1
0.2%
no contact 1
0.2%
no money 2
0.3%
no money has been kept 1
0.2%
no money to save 3
0.5%
no saving 4
0.7%
no savings 16
2.7%
none 4
0.7%
none applicable 1
0.2%
none of the above 1
0.2%
not aplicable 2
0.3%
not aplicsble 1
0.2%
not applicable 13
2.2%
not applicable to main respondant 1
0.2%
not money 1
0.2%
not saved 2
0.3%
not saved any money 1
0.2%
not saving 1
0.2%
not so sure 1
0.2%
not worsting 1
0.2%
not yet made a decision 1
0.2%
not yet started saving 1
0.2%
nothing 3
0.5%
notn applicable 1
0.2%
parents do it 1
0.2%
pay credit 1
0.2%
pay school fees 1
0.2%
paying bride price 1
0.2%
paying for school fees 1
0.2%
paying tution fees and food 1
0.2%
personal expenses 2
0.3%
personal usage 1
0.2%
respondent want to buy a new bicycle 1
0.2%
retirement package 1
0.2%
safe keeping 1
0.2%
saved for emengency 1
0.2%
saving 1
0.2%
saving for school 2
0.3%
saving to get a license 1
0.2%
school 4
0.7%
school expenses 1
0.2%
school expensses 1
0.2%
school fees 7
1.2%
school fees for kids 1
0.2%
school materials 1
0.2%
school things 1
0.2%
she does not save 1
0.2%
she doesn't save 1
0.2%
so to cover for old age 1
0.2%
spend as i want 1
0.2%
start up capital 1
0.2%
talk time 2
0.3%
the respondant said she is been kept 1
0.2%
to borrow 1
0.2%
to build a house 2
0.3%
to buy a phone 3
0.5%
to buy books 1
0.2%
to buy cloths 1
0.2%
to buy farming inputs 1
0.2%
to buy fertilizer 1
0.2%
to buy fishing equipments 1
0.2%
to buy food 2
0.3%
to buy land 1
0.2%
to buy livestock 1
0.2%
to buy myself things when i need such as snacks 1
0.2%
to buy seed 1
0.2%
to earn interest 1
0.2%
to help with childrens education 1
0.2%
to help with school fees for my children 1
0.2%
to obtain drivers license 1
0.2%
to pay for school fees 1
0.2%
to pay school fees 1
0.2%
to pay school fees for my grandkids 1
0.2%
to start a bussiness 1
0.2%
to use for emergencies 1
0.2%
to use it when i want it 1
0.2%
trasport when going to school 1
0.2%
tution fees 1
0.2%
unexpected expenses 2
0.3%
unknown expenses 1
0.2%
unxpected expenses at home 1
0.2%
up keep for school 1
0.2%
use for regular and unexpected expenses 1
0.2%
use when i need it 1
0.2%
used to pay electricity connections 1
0.2%
used to play 1
0.2%
want to buy livestock 1
0.2%
wants to buy something for her mom on her birthday 1
0.2%
we bought food 1
0.2%
went out for a party 1
0.2%
when have a problem i can use it 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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