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
20808
Downloads
100
- Data files
-
2020 Finscope
data 7 July
2022_anonymised
G.3_S. Specify the main reason why you have not borrowed money. (G3_S)
Data file: 2020 Finscope data 7 July 2022_anonymised
Overview
Valid:
702
Invalid:
0
Type:
Discrete
Width:
150
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| "Am just dependant, so i cant borrow". | 1 |
0.1%
|
|
| AGED | 1 |
0.1%
|
|
| Because the person is dificult the company | 1 |
0.1%
|
|
| Borrowed | 2 |
0.3%
|
|
| Business has been slow | 1 |
0.1%
|
|
| Business has gone down | 1 |
0.1%
|
|
| Cant borrow money, l rely on my children to give m | 1 |
0.1%
|
|
| DID NOT BORROW | 3 |
0.4%
|
|
| DO NOT BORROW BECAUSE I SAVVE WITH BUILDING SOCIET | 1 |
0.1%
|
|
| DO NOT HAVE MONEY TO PAY BACk | 1 |
0.1%
|
|
| DO NOT HAVE THE MONEY TO PAY BACK | 1 |
0.1%
|
|
| DOESNT WORK AND IS SCARED OF BEING SENT TO JAIL IF | 1 |
0.1%
|
|
| DON'T HAVE WERE TO BORROW FROM | 1 |
0.1%
|
|
| Did not borrow | 1 |
0.1%
|
|
| Did not Borrow | 1 |
0.1%
|
|
| Didnot borrow | 1 |
0.1%
|
|
| Do not have an income, so she said she cant borrow | 1 |
0.1%
|
|
| Do not have any source of income. | 1 |
0.1%
|
|
| Does not borrow | 1 |
0.1%
|
|
| Dont have a phone | 1 |
0.1%
|
|
| Dont have a prroper income | 1 |
0.1%
|
|
| Dont have money to pay back | 2 |
0.3%
|
|
| Dont like borrowing | 1 |
0.1%
|
|
| FAMILY | 2 |
0.3%
|
|
| Git Goods in Advace worth K50 | 1 |
0.1%
|
|
| HAD ENOUGH TO BUY THINGS AT HOME | 1 |
0.1%
|
|
| Had something to sustain myself | 1 |
0.1%
|
|
| Hate borrowing | 2 |
0.3%
|
|
| Have a loan with bayport | 1 |
0.1%
|
|
| He doesnt like borriwing money | 1 |
0.1%
|
|
| I ALSO LEND | 1 |
0.1%
|
|
| I Already Have | 1 |
0.1%
|
|
| I DON'T HAVE WERE TO BORROW | 1 |
0.1%
|
|
| I DONT LIKE BORROWING | 1 |
0.1%
|
|
| I am still young and don't have money to pay bavk | 1 |
0.1%
|
|
| I borrowed | 3 |
0.4%
|
|
| I do not borrow | 1 |
0.1%
|
|
| I do not have money to pay | 1 |
0.1%
|
|
| I do not have money to pay back | 1 |
0.1%
|
|
| I don' borroe | 1 |
0.1%
|
|
| I don't have money to pay back | 1 |
0.1%
|
|
| I don't like borrowing | 1 |
0.1%
|
|
| I dont borrow | 1 |
0.1%
|
|
| I hate borrowing | 2 |
0.3%
|
|
| I'm being kept | 1 |
0.1%
|
|
| I'm still at school and depend on the parents | 1 |
0.1%
|
|
| IT IS DIFFICULT YO PAY BACK | 1 |
0.1%
|
|
| Im a pupil | 1 |
0.1%
|
|
| Im a student | 1 |
0.1%
|
|
| In still young | 1 |
0.1%
|
|
| MY DAUGTER GIVES ME WHAT.I NEED | 1 |
0.1%
|
|
| My Dota provides for me | 1 |
0.1%
|
|
| My Income is too little | 1 |
0.1%
|
|
| My husband give all that is needed | 1 |
0.1%
|
|
| NEVER BORROWED | 2 |
0.3%
|
|
| NO MONEY TO PAY BACK | 1 |
0.1%
|
|
| NO MONEY TO SAVE | 1 |
0.1%
|
|
| NO ONE | 1 |
0.1%
|
|
| NO ONE CAN GIVE ME EVEN IF I TRIED TO BORROW | 1 |
0.1%
|
|
| NO SPECIFIC REASON | 2 |
0.3%
|
|
| NONE | 3 |
0.4%
|
|
| NOT APPLICABLE | 1 |
0.1%
|
|
| No I dint borrow | 1 |
0.1%
|
|
| No Income | 2 |
0.3%
|
|
| No income | 1 |
0.1%
|
|
| No need | 2 |
0.3%
|
|
| No one to help | 1 |
0.1%
|
|
| No proper income | 1 |
0.1%
|
|
| No source of income and too old to work | 1 |
0.1%
|
|
| No where to borrow | 1 |
0.1%
|
|
| Not Employed | 1 |
0.1%
|
|
| Not applicable | 1 |
0.1%
|
|
| Nothing | 1 |
0.1%
|
|
| One has credits | 1 |
0.1%
|
|
| Parents provides for me | 1 |
0.1%
|
|
| RESPINDENT BORROWED KU SHOP | 1 |
0.1%
|
|
| RESPONDENT CURRENTLY OWES MONEY | 1 |
0.1%
|
|
| RESPONDENT DIDNT BORROW | 1 |
0.1%
|
|
| RESPONDENT HAS BEEN IN GOOD HEALTH | 1 |
0.1%
|
|
| RESPONDENT HAS NO CAPACITY TO BORROW | 1 |
0.1%
|
|
| RESPONDENT IS IN NO CAPACITY TO BORROW | 1 |
0.1%
|
|
| SHE IS OLD AND DEPENDS ON THE SON AND THE DAUGHTER | 1 |
0.1%
|
|
| Scared of Jail | 1 |
0.1%
|
|
| Scared of credit | 1 |
0.1%
|
|
| Scared to borrow | 1 |
0.1%
|
|
| She doesnt want to be in pressure | 1 |
0.1%
|
|
| Shes not working | 1 |
0.1%
|
|
| Still at School | 1 |
0.1%
|
|
| Still at school | 1 |
0.1%
|
|
| THE RESPONDENT BORROWS MONEY. | 1 |
0.1%
|
|
| The husband sends her money | 1 |
0.1%
|
|
| The respondent does not believe in borrowing | 1 |
0.1%
|
|
| The source of income is inconsitent. | 1 |
0.1%
|
|
| The source of income is seasonal. | 1 |
0.1%
|
|
| USE OF SAVINGS | 1 |
0.1%
|
|
| USE SAVINGS | 1 |
0.1%
|
|
| WANT A BREATHER FROM PREVIOUS LOANS | 1 |
0.1%
|
|
| We dont borrow here | 1 |
0.1%
|
|
| abel to meet the need | 1 |
0.1%
|
|
| afraid to borrow | 1 |
0.1%
|
|
| afriad to be jailed | 1 |
0.1%
|
|
| afriad to to be jailed | 1 |
0.1%
|
|
| aged | 1 |
0.1%
|
|
| all is done by my parents | 1 |
0.1%
|
|
| already have a loan | 1 |
0.1%
|
|
| am a school boy | 1 |
0.1%
|
|
| am a sick person | 1 |
0.1%
|
|
| am afraid to borrow | 1 |
0.1%
|
|
| am allowed by parents | 1 |
0.1%
|
|
| am been kept | 1 |
0.1%
|
|
| am just kept by my mother so i cant borrow a | 1 |
0.1%
|
|
| am just scared of borrowing money | 1 |
0.1%
|
|
| am not working | 1 |
0.1%
|
|
| am old | 1 |
0.1%
|
|
| am scared | 1 |
0.1%
|
|
| am scared of paying back in casei dont have | 1 |
0.1%
|
|
| am stil a school going pupil | 1 |
0.1%
|
|
| am stil at school | 2 |
0.3%
|
|
| am still a dependant | 1 |
0.1%
|
|
| am still in school | 1 |
0.1%
|
|
| am too old | 1 |
0.1%
|
|
| because am just a dependant | 1 |
0.1%
|
|
| because i have | 1 |
0.1%
|
|
| because i have money | 2 |
0.3%
|
|
| because i have no money to pay | 1 |
0.1%
|
|
| because life is just a bit fine | 1 |
0.1%
|
|
| because of the illness cant borrow money | 1 |
0.1%
|
|
| because she saves | 1 |
0.1%
|
|
| been kept | 1 |
0.1%
|
|
| borowed | 1 |
0.1%
|
|
| borrow sometimes | 1 |
0.1%
|
|
| borrowed | 3 |
0.4%
|
|
| borrowed but paid back | 4 |
0.6%
|
|
| borrowed but paid back in full | 1 |
0.1%
|
|
| borrowed to buy solar panel | 1 |
0.1%
|
|
| borrowing delays someone from achieve certain goal | 1 |
0.1%
|
|
| borrowing is a draw back | 1 |
0.1%
|
|
| borrowing is not good | 2 |
0.3%
|
|
| borrowing is the bad idea | 1 |
0.1%
|
|
| borrows money regularly | 1 |
0.1%
|
|
| business is hard | 1 |
0.1%
|
|
| can afford | 1 |
0.1%
|
|
| can bring mis-understanding | 1 |
0.1%
|
|
| can not manage | 1 |
0.1%
|
|
| can only borrow once i find a problem | 1 |
0.1%
|
|
| can't manage to pay back | 1 |
0.1%
|
|
| cant afford | 1 |
0.1%
|
|
| cant borrow | 1 |
0.1%
|
|
| cant borrow because i habe no income | 1 |
0.1%
|
|
| cant manage to pay back and avoid problems | 1 |
0.1%
|
|
| cant pay back | 3 |
0.4%
|
|
| cant pay back no source of money | 1 |
0.1%
|
|
| cash is scarce | 1 |
0.1%
|
|
| cleared all the debts | 1 |
0.1%
|
|
| currently owing someone | 1 |
0.1%
|
|
| depends on parentsn only | 1 |
0.1%
|
|
| did no borrow | 1 |
0.1%
|
|
| did not borrow | 1 |
0.1%
|
|
| did not borrow | 22 |
3.1%
|
|
| did not borrow any moneis | 1 |
0.1%
|
|
| did not borrow money | 2 |
0.3%
|
|
| did not have any pressure to borrow the money | 1 |
0.1%
|
|
| did not have the chance | 1 |
0.1%
|
|
| did not have the need | 1 |
0.1%
|
|
| did not need to borrow | 2 |
0.3%
|
|
| did not want | 1 |
0.1%
|
|
| did not want to borrow | 1 |
0.1%
|
|
| did want | 1 |
0.1%
|
|
| didn't borrow | 1 |
0.1%
|
|
| didn't find any big problem | 1 |
0.1%
|
|
| didnot borrow | 1 |
0.1%
|
|
| didnt borrow | 4 |
0.6%
|
|
| didnt borrow money | 1 |
0.1%
|
|
| didnt need it | 1 |
0.1%
|
|
| didnt want | 1 |
0.1%
|
|
| difficult to return the money you borrowed | 1 |
0.1%
|
|
| do not believe in borrowing | 1 |
0.1%
|
|
| do not borrow | 3 |
0.4%
|
|
| do not have access | 1 |
0.1%
|
|
| do not have an income | 1 |
0.1%
|
|
| do not have any money to pay back | 1 |
0.1%
|
|
| do not have money | 1 |
0.1%
|
|
| do not have money to pay back | 1 |
0.1%
|
|
| do not have way to pay it back | 1 |
0.1%
|
|
| do not like borrowing | 2 |
0.3%
|
|
| do not like pressure | 1 |
0.1%
|
|
| do not like the idea of borrowing | 1 |
0.1%
|
|
| do not need to borrow, he is a dependant | 1 |
0.1%
|
|
| do not want problems | 1 |
0.1%
|
|
| do not want to | 1 |
0.1%
|
|
| do picec works and farming | 1 |
0.1%
|
|
| does mot have money to pl ay back | 1 |
0.1%
|
|
| does not borrow | 1 |
0.1%
|
|
| does not have a problem that require borrowing | 1 |
0.1%
|
|
| does not like borrowing money at all | 1 |
0.1%
|
|
| doesnt borrow | 1 |
0.1%
|
|
| doesnt need to because she can afford | 1 |
0.1%
|
|
| doesnt need to borrow | 1 |
0.1%
|
|
| doing a piecework to earn money than borrowing | 1 |
0.1%
|
|
| don't find a problem that can allow me to borrow | 1 |
0.1%
|
|
| don't have any need for it | 1 |
0.1%
|
|
| don't have such institutions in the community | 1 |
0.1%
|
|
| don't like borrowing money | 2 |
0.3%
|
|
| don't like paying for things i have already used | 1 |
0.1%
|
|
| don't like the idea of borrowing | 1 |
0.1%
|
|
| don't like the idea of borrowing money | 1 |
0.1%
|
|
| don't pay expenses | 1 |
0.1%
|
|
| dont have money to pay | 1 |
0.1%
|
|
| dont work | 1 |
0.1%
|
|
| dont borrow | 2 |
0.3%
|
|
| dont get income | 1 |
0.1%
|
|
| dont have a plan to borrorw | 1 |
0.1%
|
|
| dont have an income | 1 |
0.1%
|
|
| dont have an income to pay back | 1 |
0.1%
|
|
| dont have any means of paying back | 1 |
0.1%
|
|
| dont have any reason to borrow | 1 |
0.1%
|
|
| dont have enough money to pay back | 2 |
0.3%
|
|
| dont have income to pay | 1 |
0.1%
|
|
| dont have money o pay back | 1 |
0.1%
|
|
| dont have money pay back | 1 |
0.1%
|
|
| dont have money to pay | 1 |
0.1%
|
|
| dont have money to pay back | 15 |
2.1%
|
|
| dont have money to payback | 1 |
0.1%
|
|
| dont have people who give loans | 1 |
0.1%
|
|
| dont have the capacity to pay back | 1 |
0.1%
|
|
| dont have where to borrow | 1 |
0.1%
|
|
| dont have where to find money to pay back | 1 |
0.1%
|
|
| dont have where to find the money to pay back | 1 |
0.1%
|
|
| dont like borrowing | 1 |
0.1%
|
|
| dont like bowrrowing money | 1 |
0.1%
|
|
| dont need extra cash | 1 |
0.1%
|
|
| dont want | 10 |
1.4%
|
|
| dont want to be bothered | 1 |
0.1%
|
|
| dont work | 3 |
0.4%
|
|
| due to illness | 1 |
0.1%
|
|
| due to not enough funds | 1 |
0.1%
|
|
| enough savings | 1 |
0.1%
|
|
| everything is taken care of by the bread winner | 1 |
0.1%
|
|
| expenses are paid for | 1 |
0.1%
|
|
| expenses were less | 1 |
0.1%
|
|
| family caters for me | 1 |
0.1%
|
|
| fear | 3 |
0.4%
|
|
| fear borrowing | 1 |
0.1%
|
|
| fear of being jailed | 1 |
0.1%
|
|
| fear of being jailed in case of failure to payback | 1 |
0.1%
|
|
| fear of being sent to jail when fails to pay back | 1 |
0.1%
|
|
| fear of embaracement | 1 |
0.1%
|
|
| fear of failing to pay back | 1 |
0.1%
|
|
| fear of failing to pay back the money in case | 1 |
0.1%
|
|
| fear of not managing to pay back | 1 |
0.1%
|
|
| fear of paying back | 1 |
0.1%
|
|
| fear of trouble | 1 |
0.1%
|
|
| fear to borrow | 1 |
0.1%
|
|
| fears credits | 1 |
0.1%
|
|
| for expanding business | 1 |
0.1%
|
|
| for food | 1 |
0.1%
|
|
| given | 1 |
0.1%
|
|
| had enough money | 1 |
0.1%
|
|
| had enough to assist | 1 |
0.1%
|
|
| had know acces to find a lenfing institution | 1 |
0.1%
|
|
| had money | 2 |
0.3%
|
|
| had my own savings | 1 |
0.1%
|
|
| had no expenses that needed money | 1 |
0.1%
|
|
| had no reason for borrowing | 1 |
0.1%
|
|
| had no use for money | 1 |
0.1%
|
|
| had something to feed on | 1 |
0.1%
|
|
| had the money | 1 |
0.1%
|
|
| has borrowed money | 2 |
0.3%
|
|
| has sufficent income | 1 |
0.1%
|
|
| hate borrowing | 1 |
0.1%
|
|
| have borrowed | 2 |
0.3%
|
|
| have borrowed money to any one | 1 |
0.1%
|
|
| have credited money from someone else | 1 |
0.1%
|
|
| have enough | 1 |
0.1%
|
|
| have no expenses that needs borrowing | 1 |
0.1%
|
|
| have no expeses to pay that would need extra money | 1 |
0.1%
|
|
| have no means of paying back | 1 |
0.1%
|
|
| have no reason for borrowing | 1 |
0.1%
|
|
| have not borrowed | 1 |
0.1%
|
|
| have nowhere to find the money to pay back | 1 |
0.1%
|
|
| have things to do to get money | 1 |
0.1%
|
|
| he does rely on his parents | 1 |
0.1%
|
|
| he does use the money he saved | 1 |
0.1%
|
|
| he doesnt want to lose respect | 1 |
0.1%
|
|
| help my family | 1 |
0.1%
|
|
| i fear | 1 |
0.1%
|
|
| i am a dependant | 2 |
0.3%
|
|
| i avoid problems or comfusions. | 1 |
0.1%
|
|
| i borrowed | 1 |
0.1%
|
|
| i borrowed and paid back | 2 |
0.3%
|
|
| i borrowed goods which was paid for | 1 |
0.1%
|
|
| i can't get money because i don't have money to pa | 1 |
0.1%
|
|
| i cant pay | 1 |
0.1%
|
|
| i did borrow and paid back | 1 |
0.1%
|
|
| i did not borrow money | 2 |
0.3%
|
|
| i did not have money to pay back | 1 |
0.1%
|
|
| i did not want to | 1 |
0.1%
|
|
| i didnt not borrow | 1 |
0.1%
|
|
| i do fear | 1 |
0.1%
|
|
| i do have money to pay back | 1 |
0.1%
|
|
| i do not borrow | 1 |
0.1%
|
|
| i do not have money pay back | 2 |
0.3%
|
|
| i do not have money to pay | 1 |
0.1%
|
|
| i do not have money to pay back | 10 |
1.4%
|
|
| i do not have money to save | 1 |
0.1%
|
|
| i do not like borrowing | 2 |
0.3%
|
|
| i don't | 1 |
0.1%
|
|
| i don't need to borrow | 1 |
0.1%
|
|
| i don't want | 1 |
0.1%
|
|
| i dont borrow | 1 |
0.1%
|
|
| i dont have NRC and banks are far | 1 |
0.1%
|
|
| i dont have a job to pay back the money | 1 |
0.1%
|
|
| i dont have any reason for borrowing money | 1 |
0.1%
|
|
| i dont have enough money to pay back | 1 |
0.1%
|
|
| i dont have income | 1 |
0.1%
|
|
| i dont have money to pay back | 6 |
0.9%
|
|
| i dont have money toay back | 1 |
0.1%
|
|
| i dont have the meams to pay back | 1 |
0.1%
|
|
| i dont have the money to pay back | 1 |
0.1%
|
|
| i dont have were i can borrow from | 1 |
0.1%
|
|
| i dont have where to get the money from to pay | 1 |
0.1%
|
|
| i dont like borrowing | 2 |
0.3%
|
|
| i dont need it | 1 |
0.1%
|
|
| i dont want to have a credit | 1 |
0.1%
|
|
| i dont wanted to | 1 |
0.1%
|
|
| i dont work a student | 1 |
0.1%
|
|
| i dont work am still at work | 1 |
0.1%
|
|
| i dot want to borrow | 1 |
0.1%
|
|
| i fear debt | 1 |
0.1%
|
|
| i fear they can take me to police | 1 |
0.1%
|
|
| i fear to borrow | 2 |
0.3%
|
|
| i fear to know | 1 |
0.1%
|
|
| i get from my little savings | 1 |
0.1%
|
|
| i had no probelm to borrow money | 1 |
0.1%
|
|
| i hate violence | 2 |
0.3%
|
|
| i have not borrowed money | 1 |
0.1%
|
|
| i have it | 1 |
0.1%
|
|
| i have my own money | 1 |
0.1%
|
|
| i have no means of paying back | 1 |
0.1%
|
|
| i have no money pay back | 1 |
0.1%
|
|
| i have no money to pay back | 6 |
0.9%
|
|
| i have not borrowed | 1 |
0.1%
|
|
| i have not borrowed any money | 1 |
0.1%
|
|
| i have not borrwed money to any were | 1 |
0.1%
|
|
| i have nowhere to find the money to pay back | 1 |
0.1%
|
|
| i hve not borrowed mone to any one | 1 |
0.1%
|
|
| i just dont want | 1 |
0.1%
|
|
| i manage from what i get | 1 |
0.1%
|
|
| i never wanted to | 5 |
0.7%
|
|
| i not have money to save | 1 |
0.1%
|
|
| i paid back | 1 |
0.1%
|
|
| i use savings | 1 |
0.1%
|
|
| i wanted to buy shoes | 1 |
0.1%
|
|
| i was able to manage my financies | 1 |
0.1%
|
|
| i will not be able to pay back | 1 |
0.1%
|
|
| i would nit be able to pay back | 1 |
0.1%
|
|
| iI MAY DISTROY MY FUTURE GOALS | 1 |
0.1%
|
|
| iam scared of owing someone | 1 |
0.1%
|
|
| im a dependant | 1 |
0.1%
|
|
| im a pupil so no one can borrow me money | 1 |
0.1%
|
|
| im young still at school | 1 |
0.1%
|
|
| it brings problems | 1 |
0.1%
|
|
| it is incoviencing | 1 |
0.1%
|
|
| it's not a good thing to borrow | 1 |
0.1%
|
|
| its against my belief to borrow money | 1 |
0.1%
|
|
| its difficult to pay back | 1 |
0.1%
|
|
| its hard to pay back | 2 |
0.3%
|
|
| its pressure | 1 |
0.1%
|
|
| ive borrowed | 1 |
0.1%
|
|
| just avoided borrowing | 1 |
0.1%
|
|
| just didnt borrow | 1 |
0.1%
|
|
| just do not like | 1 |
0.1%
|
|
| just do not like borrowing | 1 |
0.1%
|
|
| just dont borrow | 1 |
0.1%
|
|
| just dont want | 1 |
0.1%
|
|
| know where to borrow money | 1 |
0.1%
|
|
| l avoid to do so | 1 |
0.1%
|
|
| l borrow money | 1 |
0.1%
|
|
| l can't borrow | 1 |
0.1%
|
|
| l don't do it | 1 |
0.1%
|
|
| l don't like borrowing | 1 |
0.1%
|
|
| l don't like it | 1 |
0.1%
|
|
| l dont know where to borrow | 1 |
0.1%
|
|
| l fear credits | 1 |
0.1%
|
|
| l have a credit | 1 |
0.1%
|
|
| l have no earning | 1 |
0.1%
|
|
| l have no money to pay back | 1 |
0.1%
|
|
| lam still a pupil | 1 |
0.1%
|
|
| manage with what l have | 1 |
0.1%
|
|
| manages to meet daily needs | 1 |
0.1%
|
|
| managing with what l have | 1 |
0.1%
|
|
| mentally sick | 1 |
0.1%
|
|
| mom does everything for me | 1 |
0.1%
|
|
| money to pay back can warry me | 1 |
0.1%
|
|
| my children send for me | 1 |
0.1%
|
|
| my husband earns enough so we can afford | 1 |
0.1%
|
|
| my parents buy everything for me | 1 |
0.1%
|
|
| my parents get me what i need | 1 |
0.1%
|
|
| my parents provide | 1 |
0.1%
|
|
| never borrow | 1 |
0.1%
|
|
| never borrowed | 10 |
1.4%
|
|
| never borrowed money | 1 |
0.1%
|
|
| never had need | 1 |
0.1%
|
|
| never wanted to borrow | 1 |
0.1%
|
|
| no didnt | 1 |
0.1%
|
|
| no enoough money to return | 1 |
0.1%
|
|
| no enough funds to pay back | 1 |
0.1%
|
|
| no enough money to pay back | 2 |
0.3%
|
|
| no enough to pay back | 1 |
0.1%
|
|
| no income | 3 |
0.4%
|
|
| no money | 2 |
0.3%
|
|
| no money to pay back | 16 |
2.3%
|
|
| no money to save | 1 |
0.1%
|
|
| no moneyntonpay back | 1 |
0.1%
|
|
| no need | 3 |
0.4%
|
|
| no need for money | 1 |
0.1%
|
|
| no need of borrowing | 1 |
0.1%
|
|
| no need to borrow | 2 |
0.3%
|
|
| no one to borrow from | 1 |
0.1%
|
|
| no reason | 4 |
0.6%
|
|
| no reasons | 1 |
0.1%
|
|
| no setuation that as forced me to borrow money | 1 |
0.1%
|
|
| no source | 1 |
0.1%
|
|
| no specific reason | 3 |
0.4%
|
|
| no were to borrow from in the community | 1 |
0.1%
|
|
| nomarlly buys cash | 1 |
0.1%
|
|
| none | 13 |
1.9%
|
|
| not applicable | 14 |
2%
|
|
| not borrowed | 1 |
0.1%
|
|
| not doing anything so cant borrow | 1 |
0.1%
|
|
| not enough money | 1 |
0.1%
|
|
| not interested | 1 |
0.1%
|
|
| not interested in borrowing | 1 |
0.1%
|
|
| not now | 2 |
0.3%
|
|
| not work | 1 |
0.1%
|
|
| not working | 2 |
0.3%
|
|
| not yet finished on ohtet debts | 1 |
0.1%
|
|
| nothing | 16 |
2.3%
|
|
| nothing hapend for me to borrow | 1 |
0.1%
|
|
| nowhere to borrow | 1 |
0.1%
|
|
| nowhere to borrow from | 1 |
0.1%
|
|
| old age | 1 |
0.1%
|
|
| one of the household takes carely of me | 1 |
0.1%
|
|
| only borrow when i dont have enough | 1 |
0.1%
|
|
| paid back | 1 |
0.1%
|
|
| parents provides everything I need | 1 |
0.1%
|
|
| people here dont borrow out there money or things | 1 |
0.1%
|
|
| poor | 1 |
0.1%
|
|
| pressure in payment | 1 |
0.1%
|
|
| presures of payments | 1 |
0.1%
|
|
| pupil | 3 |
0.4%
|
|
| refused to answer | 2 |
0.3%
|
|
| rely on my children | 1 |
0.1%
|
|
| respondant works hard in order not to borrow money | 1 |
0.1%
|
|
| respondent did not borrow money | 1 |
0.1%
|
|
| sale my livestock when need be | 1 |
0.1%
|
|
| saved up | 1 |
0.1%
|
|
| scared | 4 |
0.6%
|
|
| scared of being jailed | 1 |
0.1%
|
|
| scared of borrowing | 3 |
0.4%
|
|
| scared of costs of borrowing | 1 |
0.1%
|
|
| scared of debt | 1 |
0.1%
|
|
| scared of failing to pay | 1 |
0.1%
|
|
| scared of getting arrested | 1 |
0.1%
|
|
| scared of not paying on time | 1 |
0.1%
|
|
| scared to borrow | 1 |
0.1%
|
|
| scared to borrow money | 1 |
0.1%
|
|
| scared to borrow money from people | 1 |
0.1%
|
|
| scared to borrowed | 1 |
0.1%
|
|
| scared to go police | 1 |
0.1%
|
|
| scared to go to jail | 1 |
0.1%
|
|
| scared to loose property | 1 |
0.1%
|
|
| scared to pay back | 1 |
0.1%
|
|
| sells things to cover up for the things needed | 1 |
0.1%
|
|
| she is afraid to be insulted once fail to pay it | 1 |
0.1%
|
|
| so that i don't stress | 1 |
0.1%
|
|
| sometimes people dont help | 1 |
0.1%
|
|
| still a pupil no need of it | 1 |
0.1%
|
|
| still a young student | 1 |
0.1%
|
|
| still young and schooling he has no access | 1 |
0.1%
|
|
| still young no one can lend me money | 1 |
0.1%
|
|
| still young to borrow | 1 |
0.1%
|
|
| stundent | 1 |
0.1%
|
|
| the interest is too high | 1 |
0.1%
|
|
| there is no one who lends(only kaloba ) | 1 |
0.1%
|
|
| there is no progression in life when one has debts | 1 |
0.1%
|
|
| to avoid being in problems | 1 |
0.1%
|
|
| to buy a phone | 1 |
0.1%
|
|
| to cover my unexpected expenses | 1 |
0.1%
|
|
| too old , can not pay back | 1 |
0.1%
|
|
| too old to borrow | 1 |
0.1%
|
|
| too young | 1 |
0.1%
|
|
| tooo young to start borrowing | 1 |
0.1%
|
|
| unemployed | 1 |
0.1%
|
|
| use savings | 1 |
0.1%
|
|
| we just belive in working in the farms | 1 |
0.1%
|
|
| when i have a problem i sell cattle | 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.