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
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- Data files
-
2020 Finscope
data 7 July
2022_anonymised
G.3 What is the main reason why you have not borrowed money? (G3)
Data file: 2020 Finscope data 7 July 2022_anonymised
Overview
Valid:
9847
Invalid:
2934
Type:
Discrete
Decimal:
0
Width:
2
Range:
1 - 12
Format:
Numeric
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| 1 | Didn?t need to borrow money, my income is enough to cover al | 1386 |
14.1%
|
| 2 | Don?t want to borrow money/don?t believe in borrowing money | 1318 |
13.4%
|
| 3 | Worried would not be able to pay back the money | 4847 |
49.2%
|
| 4 | Interest charged on borrowed money is too high | 204 |
2.1%
|
| 5 | Do not know where to borrow money from | 225 |
2.3%
|
| 6 | Do not know how to apply for a loan | 86 |
0.9%
|
| 7 | Do not have security or collateral | 193 |
2%
|
| 8 | Cannot get a loan because of my credit history | 9 |
0.1%
|
| 9 | Do not have the right documentation | 92 |
0.9%
|
| 10 | Not allowed to borrow money by spouse, by family or other | 529 |
5.4%
|
| 11 | Tried to borrow, but have been refused | 172 |
1.7%
|
| 12 | Other, specify | 786 |
8%
|
| Sysmiss | 2934 |
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.