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
20456
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- Data files
-
2020 Finscope
data 7 July
2022_anonymised
G.4C_S. Specify who you borrowed the most money from. (G4C_S)
Data file: 2020 Finscope data 7 July 2022_anonymised
Overview
Valid:
5226
Invalid:
0
Type:
Discrete
Width:
150
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| "most of his time he does save" | 1 |
0%
|
|
| "none" | 2 |
0%
|
|
| "she does just rely her parents" | 1 |
0%
|
|
| "she does rely on children" | 1 |
0%
|
|
| "she does rely on people around her" | 1 |
0%
|
|
| 0.00 | 1 |
0%
|
|
| 0000 | 1 |
0%
|
|
| 00000 | 1 |
0%
|
|
| A colleague | 1 |
0%
|
|
| A friend | 1 |
0%
|
|
| AGORA | 2 |
0%
|
|
| AIRTEL MONEY | 1 |
0%
|
|
| Agola | 1 |
0%
|
|
| Aunty did not have to pay back | 1 |
0%
|
|
| BAYPORT | 1 |
0%
|
|
| BORROWED FROM A RELATIVE DIDNT NEED TO PAY BACK | 1 |
0%
|
|
| BORROWED FROM FAMILY THAT DID NIT HAVE TO PAY BACK | 1 |
0%
|
|
| Better i lend people | 1 |
0%
|
|
| Borrowed from no one as parents forbid that. | 1 |
0%
|
|
| CHILDREN | 1 |
0%
|
|
| CHILIMBA | 1 |
0%
|
|
| CHURCH WOMEN GROUP | 1 |
0%
|
|
| COMMUNITY MEMBER | 1 |
0%
|
|
| Cant borrow money | 1 |
0%
|
|
| Cant/doesnt borrow money | 1 |
0%
|
|
| Children | 1 |
0%
|
|
| DID NOT BORROW | 1 |
0%
|
|
| DID N,T BORROW | 1 |
0%
|
|
| DID NIT BORROW ANY MONEY | 1 |
0%
|
|
| DID NOT BOROW | 1 |
0%
|
|
| DID NOT BORROW | 120 |
2.3%
|
|
| DID NOT BORROW ANY MONEY | 11 |
0.2%
|
|
| DID NOT BORROW ANY MONEYY | 1 |
0%
|
|
| DID NOT BORROW ANYWHERE | 1 |
0%
|
|
| DID NOT BORROW AT ALL | 2 |
0%
|
|
| DID NOT BORROW FROM ANYONE | 2 |
0%
|
|
| DID NOT BORROW MONEY | 11 |
0.2%
|
|
| DID NOT BORROW MONEY THE PAST 12 MONTHS | 1 |
0%
|
|
| DID NOT BORTOW | 1 |
0%
|
|
| DID NOT BPRROW | 1 |
0%
|
|
| DID NOY BORROW | 1 |
0%
|
|
| DID'NT BORROW | 1 |
0%
|
|
| DIDI BORROW | 1 |
0%
|
|
| DIDI NOT BORROW | 1 |
0%
|
|
| DIDN,T BORROW | 1 |
0%
|
|
| DIDNOT | 1 |
0%
|
|
| DIDNOT BORROW | 1 |
0%
|
|
| DIDNT BORROW | 3 |
0.1%
|
|
| DIDNT BORROW ANY MONEY | 2 |
0%
|
|
| DIDNT BORROW ANY WHERE | 1 |
0%
|
|
| DIDNT SAVE | 2 |
0%
|
|
| DIMINGA TRANSPORT. | 1 |
0%
|
|
| DO NOT BORROW | 2 |
0%
|
|
| DO NOT BORROW MONEY | 2 |
0%
|
|
| DOES NOT BORROW | 1 |
0%
|
|
| DOESNT BORROW | 1 |
0%
|
|
| DON'T BORROW ANY MONEY | 1 |
0%
|
|
| DONT BORROW | 2 |
0%
|
|
| DONT BORROW MONEY | 1 |
0%
|
|
| DONT LIKE BORROWING | 1 |
0%
|
|
| Dapp | 1 |
0%
|
|
| Did Not Borrow | 4 |
0.1%
|
|
| Did Not Borrow Money From Any One | 1 |
0%
|
|
| Did Not borrow | 2 |
0%
|
|
| Did borrow | 1 |
0%
|
|
| Did nit borrow | 1 |
0%
|
|
| Did not Borrow | 7 |
0.1%
|
|
| Did not Borrow money | 1 |
0%
|
|
| Did not boorow | 1 |
0%
|
|
| Did not borrow | 58 |
1.1%
|
|
| Did not borrow any money | 5 |
0.1%
|
|
| Did not borrow any where | 2 |
0%
|
|
| Did not borrow from anyone | 2 |
0%
|
|
| Did not borrow frpm anywhere | 1 |
0%
|
|
| Did not borrow money | 20 |
0.4%
|
|
| Did not bortow | 1 |
0%
|
|
| Didn't borrow | 9 |
0.2%
|
|
| Didn't borrow at all in the past 12 months | 1 |
0%
|
|
| Didnt borrow | 8 |
0.2%
|
|
| Didnt borrow any money | 14 |
0.3%
|
|
| Didnt borrow from anyone | 1 |
0%
|
|
| Didnt borrow money | 2 |
0%
|
|
| Didnt borrow money from anyone | 1 |
0%
|
|
| Dint borrow | 1 |
0%
|
|
| Do not Borrow | 1 |
0%
|
|
| Do not borrow | 6 |
0.1%
|
|
| Does Not Borrow | 1 |
0%
|
|
| Does not borrow | 6 |
0.1%
|
|
| Don't borrow | 1 |
0%
|
|
| Don't like borrowing/Never borrowed | 1 |
0%
|
|
| Dont borrow | 5 |
0.1%
|
|
| Dont borrow money | 1 |
0%
|
|
| FAMILU | 1 |
0%
|
|
| FAMILY | 25 |
0.5%
|
|
| FAMILY / FRIENDS DID NOT HAVE TO PAY BACK | 1 |
0%
|
|
| FAMILY AND FRIENDS | 1 |
0%
|
|
| FAMILY,/ FRIENDS DID NOT HAVE TO PAY BACK | 1 |
0%
|
|
| FAMILY/FRIENDS | 1 |
0%
|
|
| FINCA | 1 |
0%
|
|
| FRIEND | 2 |
0%
|
|
| FRIEND AT SCHOOL | 1 |
0%
|
|
| FRIENDS | 4 |
0.1%
|
|
| FROM A FRIEND | 1 |
0%
|
|
| FROM FAMILY /FRIENDS DID NOT HAVE TO PAY BACK | 1 |
0%
|
|
| Family | 2 |
0%
|
|
| Family friends I did not have to pay back | 1 |
0%
|
|
| Family member did not have to pay back | 3 |
0.1%
|
|
| Family member who i dont pay back | 1 |
0%
|
|
| Family member, did not have to pay back | 1 |
0%
|
|
| Family members | 1 |
0%
|
|
| Family/friend that i had no need to pay back | 1 |
0%
|
|
| Famuly member I did not have to payback | 1 |
0%
|
|
| Father | 1 |
0%
|
|
| Friend | 1 |
0%
|
|
| Friends | 1 |
0%
|
|
| From the shop | 1 |
0%
|
|
| GOODS FROM NEARBY SHOP | 1 |
0%
|
|
| Got goods and services on credit | 1 |
0%
|
|
| Got money from her Dad | 1 |
0%
|
|
| HAVE NEVER BORROWED | 2 |
0%
|
|
| HAVE NOT BORROWED | 2 |
0%
|
|
| HAVE NOT BORROWED ANY MONEY OR GOODS | 1 |
0%
|
|
| HAVENT BORROWED ANY MONEY | 1 |
0%
|
|
| HUSBAND | 1 |
0%
|
|
| Has not borrowed money | 1 |
0%
|
|
| He didnt borroe from anywhere | 1 |
0%
|
|
| He didnt borrow feom anywhere | 1 |
0%
|
|
| He didnt borrow from anyone | 1 |
0%
|
|
| I AM KEPT BY MY CHILDREN SO I DO NOT BORROW | 1 |
0%
|
|
| I DID NOT BORROW | 8 |
0.2%
|
|
| I DIDNT BORROW | 1 |
0%
|
|
| I DONT BORROW MONEY | 7 |
0.1%
|
|
| I DONT BORROWE | 1 |
0%
|
|
| I DiD NOT BORROW | 1 |
0%
|
|
| I HAVE NOT BORROWED | 1 |
0%
|
|
| I NEVER BORROWED | 1 |
0%
|
|
| I did not borrow | 2 |
0%
|
|
| I did not borrow from anyone | 1 |
0%
|
|
| I did not borrow money | 1 |
0%
|
|
| I did not borrow the money from any source | 1 |
0%
|
|
| I didnt borrow | 2 |
0%
|
|
| I didnt borrow any money | 1 |
0%
|
|
| I didnt borrow from anyone | 1 |
0%
|
|
| I didnt borrow from anywhere | 1 |
0%
|
|
| I dint borrow | 3 |
0.1%
|
|
| I dint borrow money | 1 |
0%
|
|
| I do not borrow | 15 |
0.3%
|
|
| I do not borrow money | 1 |
0%
|
|
| I do not borrow. | 1 |
0%
|
|
| I dont believe on borrowing | 1 |
0%
|
|
| I dont borrow | 5 |
0.1%
|
|
| I dont borrow from any source. | 1 |
0%
|
|
| I have not borrowed | 1 |
0%
|
|
| I said I never borrowed | 1 |
0%
|
|
| Indian wholesale shop | 1 |
0%
|
|
| Indicated that is not allowed to borrow | 1 |
0%
|
|
| KYC did not borrow | 1 |
0%
|
|
| Kalepa Club | 1 |
0%
|
|
| Know I didnt borrow | 1 |
0%
|
|
| LOCAL SHOP | 1 |
0%
|
|
| MOBILE MONEY | 2 |
0%
|
|
| MONETA | 1 |
0%
|
|
| MTN MOBILE MONEY | 2 |
0%
|
|
| MTN MONEY | 1 |
0%
|
|
| MTN ZAMBIA | 1 |
0%
|
|
| MTN money | 1 |
0%
|
|
| MY FRIENDS | 1 |
0%
|
|
| MY SAVINGS | 1 |
0%
|
|
| Mobile money | 1 |
0%
|
|
| Money was only given to him by parentsb | 1 |
0%
|
|
| My neighbour | 1 |
0%
|
|
| NEIGHBOUR | 1 |
0%
|
|
| NEIGHBOURHOOD SHOP | 1 |
0%
|
|
| NEVER BORRED ANY MMONE | 1 |
0%
|
|
| NEVER BORROW | 1 |
0%
|
|
| NEVER BORROWED | 82 |
1.6%
|
|
| NEVER BORROWED ANY MONEY | 5 |
0.1%
|
|
| NO ANY OTHER SOURCE BORROWED FROM | 1 |
0%
|
|
| NO ONE | 66 |
1.3%
|
|
| NO OTHER SOURCE NEVER BORROWED | 1 |
0%
|
|
| NO REASON | 2 |
0%
|
|
| NO SKIP INSTRUCTION | 2 |
0%
|
|
| NO SOURCE OF BORROWING | 2 |
0%
|
|
| NO WHERE | 1 |
0%
|
|
| NON OF THE ABOVE | 1 |
0%
|
|
| NONE | 56 |
1.1%
|
|
| NONE OF THE ABOVE | 1 |
0%
|
|
| NONE SKIP NOT WORKING | 1 |
0%
|
|
| NONE. | 1 |
0%
|
|
| NOT ALLOWED TO BORROW | 1 |
0%
|
|
| NOT APPLICAB!LE | 1 |
0%
|
|
| NOT APPLICABLE | 41 |
0.8%
|
|
| NOT APPLICATION | 1 |
0%
|
|
| NOT BIRROWED | 1 |
0%
|
|
| NOT BORROWED | 5 |
0.1%
|
|
| NOT BORROWED ANY | 1 |
0%
|
|
| NOT BORROWED ANY MONEY | 4 |
0.1%
|
|
| NOT BORROWED MONEY | 1 |
0%
|
|
| NOTHING | 1 |
0%
|
|
| Nephew | 1 |
0%
|
|
| Never borrowed | 1 |
0%
|
|
| Never Borrowed | 2 |
0%
|
|
| Never borrowed | 16 |
0.3%
|
|
| Never borrowed in the past 12 months | 1 |
0%
|
|
| Never borrowed money | 4 |
0.1%
|
|
| Never borrowed money from anyone or insitition | 1 |
0%
|
|
| No One | 3 |
0.1%
|
|
| No credit for me | 1 |
0%
|
|
| No i dont borrow | 2 |
0%
|
|
| No ine there is no borrowing here | 1 |
0%
|
|
| No one | 43 |
0.8%
|
|
| No one, didint bortow any money | 1 |
0%
|
|
| No one,i did not borrow | 1 |
0%
|
|
| No where | 3 |
0.1%
|
|
| Non of the above | 3 |
0.1%
|
|
| None | 44 |
0.8%
|
|
| None Of The Above | 1 |
0%
|
|
| None of the above | 8 |
0.2%
|
|
| None, the respondent didnt borrow | 1 |
0%
|
|
| Not Aplicable | 1 |
0%
|
|
| Not Appliable | 1 |
0%
|
|
| Not Applicable | 29 |
0.6%
|
|
| Not Appplicable | 1 |
0%
|
|
| Not applicable | 22 |
0.4%
|
|
| Not applicable didnt borrow | 1 |
0%
|
|
| Not applicable the respondent didnt borrow money | 1 |
0%
|
|
| Not applicable, the respondent didnt borrow | 1 |
0%
|
|
| Not applicable, this person has not borrowed money | 1 |
0%
|
|
| Not borrowed | 2 |
0%
|
|
| Nothing | 2 |
0%
|
|
| Nothing ,i dint borrow | 1 |
0%
|
|
| Nowhere | 5 |
0.1%
|
|
| Nowhere to borrow | 1 |
0%
|
|
| RELATIVES | 1 |
0%
|
|
| RESPONDENT DID BORROW ANY MONEY | 1 |
0%
|
|
| RESPONDENT DID NOT BORROW ANY MONEY | 12 |
0.2%
|
|
| RESPONDENT DID NOT BORROW ANY MONEY FROM THE ABOVE | 1 |
0%
|
|
| RESPONDENT DID NOT BORROW ANY MONEY FROM THE NAMED | 1 |
0%
|
|
| RESPONDENT DIDN'T BORROW ANY MONEY | 3 |
0.1%
|
|
| RESPONDENT DIDNT BORROW | 2 |
0%
|
|
| RESPONDENT DIDNT BORROW ANY MONEY | 13 |
0.2%
|
|
| RESPONDENT DOESNT OWE ANY MONEY | 1 |
0%
|
|
| RESPONDENT IS NOT INTERESTED IN BORROWING | 1 |
0%
|
|
| Respondent didnt borrow | 1 |
0%
|
|
| Respondent does not buy into borrowing | 1 |
0%
|
|
| SCHOOL TUCK SHOP | 1 |
0%
|
|
| SELL OF FRITTERS | 1 |
0%
|
|
| SILC | 1 |
0%
|
|
| SILK | 1 |
0%
|
|
| SILK INSTITUTION | 1 |
0%
|
|
| SOMEONE IN THE COMMUNITY | 2 |
0%
|
|
| SUPPLIERS AND TRADERS | 1 |
0%
|
|
| She didnt borrow from any source | 1 |
0%
|
|
| She didnt borrow from anywhere | 4 |
0.1%
|
|
| Spounce | 1 |
0%
|
|
| Spouse | 2 |
0%
|
|
| TUE RESPONDENT DID NOT BORROW ANY MONEY | 1 |
0%
|
|
| The respondent did not borrow any money | 1 |
0%
|
|
| The respondent did not borrow in the last 12 month | 1 |
0%
|
|
| They don't borrow | 1 |
0%
|
|
| Village Headman | 1 |
0%
|
|
| ZAMBIA NATIONAL BUILDING SOCIETY | 1 |
0%
|
|
| a family member | 1 |
0%
|
|
| a friend | 5 |
0.1%
|
|
| a member of the community | 1 |
0%
|
|
| afriend | 1 |
0%
|
|
| agola | 1 |
0%
|
|
| airtel money | 5 |
0.1%
|
|
| am just a dependant | 1 |
0%
|
|
| amz money lender | 1 |
0%
|
|
| asked for cash from my cousin | 1 |
0%
|
|
| at church | 1 |
0%
|
|
| baypot | 1 |
0%
|
|
| bestfriend | 1 |
0%
|
|
| borrowed didnt have to pay back. | 1 |
0%
|
|
| borrowed for friend i had not to pay back | 1 |
0%
|
|
| borrowed from a church i go to | 1 |
0%
|
|
| borrowed from a shop | 1 |
0%
|
|
| borrowed from her mother | 1 |
0%
|
|
| borrowed from kantemba | 1 |
0%
|
|
| borrowed from no one | 2 |
0%
|
|
| borrowed money from church | 1 |
0%
|
|
| boy friend | 1 |
0%
|
|
| business man | 1 |
0%
|
|
| chilimba | 9 |
0.2%
|
|
| church | 1 |
0%
|
|
| church member | 1 |
0%
|
|
| church members | 1 |
0%
|
|
| church where i go | 1 |
0%
|
|
| client did not borrow any money | 1 |
0%
|
|
| client did not borrow money | 1 |
0%
|
|
| co-operative organization | 1 |
0%
|
|
| colleague | 1 |
0%
|
|
| community | 1 |
0%
|
|
| community member | 3 |
0.1%
|
|
| company | 1 |
0%
|
|
| cousin | 2 |
0%
|
|
| currently not borrowed from anybody | 1 |
0%
|
|
| ddidnt borrow | 1 |
0%
|
|
| did not borrow | 1 |
0%
|
|
| did borrow | 5 |
0.1%
|
|
| did mot borrow | 1 |
0%
|
|
| did no borrow. | 1 |
0%
|
|
| did not | 14 |
0.3%
|
|
| did not borrow | 1 |
0%
|
|
| did not borrow any money | 1 |
0%
|
|
| did not borrow money | 2 |
0%
|
|
| did not barrow | 1 |
0%
|
|
| did not borow | 1 |
0%
|
|
| did not borow any money | 1 |
0%
|
|
| did not borroow | 1 |
0%
|
|
| did not borror | 1 |
0%
|
|
| did not borrow | 762 |
14.6%
|
|
| did not borrow any money | 21 |
0.4%
|
|
| did not borrow any money from anyone | 1 |
0%
|
|
| did not borrow any where | 1 |
0%
|
|
| did not borrow anywere | 1 |
0%
|
|
| did not borrow anywhere | 6 |
0.1%
|
|
| did not borrow anywhere. school going child | 1 |
0%
|
|
| did not borrow but recieved | 1 |
0%
|
|
| did not borrow during this reference | 1 |
0%
|
|
| did not borrow from any | 1 |
0%
|
|
| did not borrow from any one | 1 |
0%
|
|
| did not borrow from any source | 1 |
0%
|
|
| did not borrow from anyone | 5 |
0.1%
|
|
| did not borrow from anyone in past 12 months | 1 |
0%
|
|
| did not borrow from anywhere | 3 |
0.1%
|
|
| did not borrow money | 40 |
0.8%
|
|
| did not borrow money an ywhere | 1 |
0%
|
|
| did not borrow money anywhere | 1 |
0%
|
|
| did not borrow money form anyone | 1 |
0%
|
|
| did not borrow money from any one | 5 |
0.1%
|
|
| did not borrow money from anyone | 4 |
0.1%
|
|
| did not borrow money from anyone or institution | 1 |
0%
|
|
| did not borrow money fromany one | 1 |
0%
|
|
| did not borrow money in the last 12 months | 1 |
0%
|
|
| did not borrow. | 4 |
0.1%
|
|
| did not borrowed from anyone | 1 |
0%
|
|
| did not borrowfrom anyone | 1 |
0%
|
|
| did not borrrow | 1 |
0%
|
|
| did not bottle any money | 1 |
0%
|
|
| did not brorow | 1 |
0%
|
|
| did not brrow any money | 1 |
0%
|
|
| did not credit | 1 |
0%
|
|
| did not money | 1 |
0%
|
|
| did not not borrow | 1 |
0%
|
|
| did not. borrow | 2 |
0%
|
|
| did noy borrow | 2 |
0%
|
|
| did nt borrow | 1 |
0%
|
|
| did'nt borrow | 2 |
0%
|
|
| did. not borrow | 1 |
0%
|
|
| didi. not borrow | 1 |
0%
|
|
| didknt borrow | 1 |
0%
|
|
| didn' t borrow any money | 1 |
0%
|
|
| didn't Borrow | 1 |
0%
|
|
| didn't borrow | 78 |
1.5%
|
|
| didn't borrow any money | 2 |
0%
|
|
| didn't borrow anymoney | 1 |
0%
|
|
| didn't borrow money | 5 |
0.1%
|
|
| didng borrow | 1 |
0%
|
|
| didnot borrow | 25 |
0.5%
|
|
| didnot borrow any money | 1 |
0%
|
|
| didnot borrow money | 2 |
0%
|
|
| didnt | 1 |
0%
|
|
| didnt borrowed | 1 |
0%
|
|
| didnt bborrow | 1 |
0%
|
|
| didnt borow | 5 |
0.1%
|
|
| didnt borroe | 1 |
0%
|
|
| didnt borrow | 283 |
5.4%
|
|
| didnt borrow Money | 1 |
0%
|
|
| didnt borrow any money | 5 |
0.1%
|
|
| didnt borrow any more | 1 |
0%
|
|
| didnt borrow anywhere | 3 |
0.1%
|
|
| didnt borrow from any | 1 |
0%
|
|
| didnt borrow from anyone | 1 |
0%
|
|
| didnt borrow from anyone or anywhere | 1 |
0%
|
|
| didnt borrow money | 8 |
0.2%
|
|
| didnt borrowe | 1 |
0%
|
|
| didnt borrowed | 1 |
0%
|
|
| didnt bortow | 1 |
0%
|
|
| didntb | 1 |
0%
|
|
| didt borrow from anyone | 1 |
0%
|
|
| didt not know | 1 |
0%
|
|
| dif not borrow | 1 |
0%
|
|
| din't borrow | 2 |
0%
|
|
| dint borrow | 10 |
0.2%
|
|
| dint borrow from anyone | 1 |
0%
|
|
| dis not borrow | 1 |
0%
|
|
| do not borrow | 21 |
0.4%
|
|
| do not borrow i depend on my piece works | 1 |
0%
|
|
| do not borrow money | 3 |
0.1%
|
|
| do not borrow money from anyone | 1 |
0%
|
|
| do not borroww | 1 |
0%
|
|
| dod not borrow | 1 |
0%
|
|
| does not believe in borrowing | 2 |
0%
|
|
| does not borrow | 27 |
0.5%
|
|
| does not borrow from anyone | 1 |
0%
|
|
| does not borrow money | 4 |
0.1%
|
|
| does not borrow money due to her condition | 1 |
0%
|
|
| does not credit | 1 |
0%
|
|
| does not need to borrow | 1 |
0%
|
|
| doesn't borrow | 2 |
0%
|
|
| doesnt borrow | 10 |
0.2%
|
|
| doesnt borrow money | 2 |
0%
|
|
| doesnt borrrow money | 1 |
0%
|
|
| don't borrow | 5 |
0.1%
|
|
| don't borrow money | 1 |
0%
|
|
| don't borrow money only goods | 1 |
0%
|
|
| don't like borrowing | 1 |
0%
|
|
| donot borrow because i have no income | 1 |
0%
|
|
| dont | 1 |
0%
|
|
| dont believe in borrowing | 1 |
0%
|
|
| dont borow | 2 |
0%
|
|
| dont borrow | 78 |
1.5%
|
|
| dont borrow money | 13 |
0.2%
|
|
| dont borrow money my business is enough for me | 1 |
0%
|
|
| dont borrow not alowed | 1 |
0%
|
|
| dont borrowe | 1 |
0%
|
|
| dont borrowe money | 1 |
0%
|
|
| dont have access | 4 |
0.1%
|
|
| dont have acess | 1 |
0%
|
|
| dont like borrowing | 1 |
0%
|
|
| family | 13 |
0.2%
|
|
| family and didnt have to pay back | 2 |
0%
|
|
| family and dont have to pay back | 1 |
0%
|
|
| family and dontbhave to pay back | 1 |
0%
|
|
| family and friends | 2 |
0%
|
|
| family and friends and did not pay back | 1 |
0%
|
|
| family and friends that dont need to be payed back | 1 |
0%
|
|
| family and indont have to pay back | 1 |
0%
|
|
| family business | 1 |
0%
|
|
| family but i didnot have to pay back | 1 |
0%
|
|
| family but not to repay | 1 |
0%
|
|
| family did not have to pay back | 1 |
0%
|
|
| family friend | 2 |
0%
|
|
| family friend and did not pay back | 1 |
0%
|
|
| family friends | 1 |
0%
|
|
| family friends and dont pay back | 1 |
0%
|
|
| family friends didnt have to pay back | 1 |
0%
|
|
| family member | 8 |
0.2%
|
|
| family member i didnt have to pay back | 1 |
0%
|
|
| family member that i didnt have to pay back | 1 |
0%
|
|
| family members | 1 |
0%
|
|
| family members and friends | 1 |
0%
|
|
| family memeber | 1 |
0%
|
|
| family that i did not have to pay back | 1 |
0%
|
|
| family that you dont have to pay bacl | 1 |
0%
|
|
| family without paying back | 1 |
0%
|
|
| family, but did not have to pay back | 1 |
0%
|
|
| fimily member | 1 |
0%
|
|
| finca | 1 |
0%
|
|
| food reserve agency | 1 |
0%
|
|
| friend | 31 |
0.6%
|
|
| friend i did not have to pay back | 1 |
0%
|
|
| friend/family member | 1 |
0%
|
|
| friends | 17 |
0.3%
|
|
| friends and family | 1 |
0%
|
|
| friends with shops | 1 |
0%
|
|
| friends(william) | 1 |
0%
|
|
| friends/family that he didn't need to reimburse | 1 |
0%
|
|
| from a friend | 4 |
0.1%
|
|
| from a shop | 2 |
0%
|
|
| from a the shop | 1 |
0%
|
|
| from chilimba. | 1 |
0%
|
|
| from church | 2 |
0%
|
|
| from family | 1 |
0%
|
|
| from family member | 1 |
0%
|
|
| from family members | 1 |
0%
|
|
| from father | 1 |
0%
|
|
| from friend | 2 |
0%
|
|
| from friends and family | 1 |
0%
|
|
| from money lender | 1 |
0%
|
|
| from mtn | 1 |
0%
|
|
| from my business | 1 |
0%
|
|
| from my employer | 1 |
0%
|
|
| from my father but didnt have to pay back | 1 |
0%
|
|
| from neighbours | 1 |
0%
|
|
| from no one | 5 |
0.1%
|
|
| from no where | 1 |
0%
|
|
| from parents, not paying back | 1 |
0%
|
|
| from savings | 1 |
0%
|
|
| from sister not to payback | 1 |
0%
|
|
| from someone | 1 |
0%
|
|
| from the church where i go | 1 |
0%
|
|
| from the company offering farming inputs | 1 |
0%
|
|
| from the school | 1 |
0%
|
|
| from the shop | 1 |
0%
|
|
| fwmily member | 1 |
0%
|
|
| got clothes not money | 1 |
0%
|
|
| got household goods on credits | 1 |
0%
|
|
| grocery store | 3 |
0.1%
|
|
| had not borrowed | 20 |
0.4%
|
|
| has not borrowed | 3 |
0.1%
|
|
| has not borrowed from anyone/anywhere | 1 |
0%
|
|
| has not borrowed from anywhere | 1 |
0%
|
|
| has not borrowed fron anyone | 1 |
0%
|
|
| has not borrowed money | 1 |
0%
|
|
| have never borrowed | 1 |
0%
|
|
| have never borrowed money | 8 |
0.2%
|
|
| have never borrowed money before | 1 |
0%
|
|
| have never borrowed money from anyone | 1 |
0%
|
|
| have not borrow | 1 |
0%
|
|
| have not borrowed | 13 |
0.2%
|
|
| have not borrowed any | 1 |
0%
|
|
| have not borrowed any money | 1 |
0%
|
|
| have not borrowed from anyone | 2 |
0%
|
|
| have not borrowed money | 3 |
0.1%
|
|
| have not got money to anyone | 1 |
0%
|
|
| havent borrowed | 1 |
0%
|
|
| havent borrowed any money | 1 |
0%
|
|
| he did not borrow any money from someone. | 1 |
0%
|
|
| he can borrow is at school | 1 |
0%
|
|
| he did not | 1 |
0%
|
|
| he did not borrow any money from someone. | 1 |
0%
|
|
| he did not borrow any money from someone. | 1 |
0%
|
|
| he did not borrow any money from someone | 1 |
0%
|
|
| he did not borrow any money from someone. | 7 |
0.1%
|
|
| he did'nt borrow any money | 1 |
0%
|
|
| he does borrow mostly to his farming | 1 |
0%
|
|
| he does not believe in borrowing | 1 |
0%
|
|
| he doesnt borrow | 2 |
0%
|
|
| he doesnt borrow depends on children | 1 |
0%
|
|
| he never borrowed any money | 1 |
0%
|
|
| headmaster (nearby school) | 1 |
0%
|
|
| her sister | 1 |
0%
|
|
| i am scared | 1 |
0%
|
|
| i can't borrow | 1 |
0%
|
|
| i cant borrow | 2 |
0%
|
|
| i did not borrew | 1 |
0%
|
|
| i did not borroe money | 1 |
0%
|
|
| i did not borrow | 12 |
0.2%
|
|
| i did not borrow any money | 2 |
0%
|
|
| i did not borrow any where | 1 |
0%
|
|
| i did not borrow anywhere | 1 |
0%
|
|
| i did not borrow from any one | 1 |
0%
|
|
| i did not borrow from anywhere | 1 |
0%
|
|
| i did not borrow money | 21 |
0.4%
|
|
| i did not borrow money from any | 1 |
0%
|
|
| i did not borrow money for anyone | 1 |
0%
|
|
| i did not borrow money from anyone | 1 |
0%
|
|
| i did not borrow money from anyone in my community | 1 |
0%
|
|
| i did not borrow money in the last 12 months | 1 |
0%
|
|
| i did not bortow the money | 1 |
0%
|
|
| i did noy borrow money | 1 |
0%
|
|
| i didn't borrow | 4 |
0.1%
|
|
| i didn't borrow any money | 4 |
0.1%
|
|
| i didn't borrow from anyone | 1 |
0%
|
|
| i didn't borrow from anywhere | 1 |
0%
|
|
| i didnnt borrow | 1 |
0%
|
|
| i didnot borrow | 3 |
0.1%
|
|
| i didnot borrow money | 1 |
0%
|
|
| i didnot borrwo money | 1 |
0%
|
|
| i didnt | 1 |
0%
|
|
| i didnt borrow money | 1 |
0%
|
|
| i didnt borrow | 16 |
0.3%
|
|
| i didnt borrow am old | 1 |
0%
|
|
| i didnt borrow any money | 2 |
0%
|
|
| i didnt borrow any where | 2 |
0%
|
|
| i didnt borrow anyone | 1 |
0%
|
|
| i didnt borrow money | 11 |
0.2%
|
|
| i didnt borrow money any where | 1 |
0%
|
|
| i didnt borrow money from anyone | 3 |
0.1%
|
|
| i didnt get credit | 1 |
0%
|
|
| i didnt not borrow any money | 1 |
0%
|
|
| i didvnot borrow money | 1 |
0%
|
|
| i dint borrow any where | 2 |
0%
|
|
| i dint borrow from anyone last 12 months | 1 |
0%
|
|
| i dint not borrow money | 1 |
0%
|
|
| i do not borrow | 2 |
0%
|
|
| i do not borrow money | 1 |
0%
|
|
| i do piece of work | 1 |
0%
|
|
| i don't borrow | 2 |
0%
|
|
| i don't borrow money | 8 |
0.2%
|
|
| i don't realy borrow money | 1 |
0%
|
|
| i dont | 2 |
0%
|
|
| i dont borrew | 1 |
0%
|
|
| i dont borrew money | 1 |
0%
|
|
| i dont borrow | 33 |
0.6%
|
|
| i dont borrow any where | 1 |
0%
|
|
| i dont borrow money | 6 |
0.1%
|
|
| i dont borrow money ,paying back is a challange | 1 |
0%
|
|
| i dont borrow money any where | 1 |
0%
|
|
| i dont borrow money i have morw than enough | 1 |
0%
|
|
| i dont borrow to any of the institution | 1 |
0%
|
|
| i dont have | 1 |
0%
|
|
| i dont have money | 1 |
0%
|
|
| i dont have money to pay back | 1 |
0%
|
|
| i dont have money to save | 2 |
0%
|
|
| i have never borowed any money | 1 |
0%
|
|
| i have never borrowed | 5 |
0.1%
|
|
| i have never borrowed any money | 1 |
0%
|
|
| i have never borrowed money | 1 |
0%
|
|
| i have never borrwed | 1 |
0%
|
|
| i have no borrowed | 1 |
0%
|
|
| i have not borrowed anywhere | 1 |
0%
|
|
| i have not borrowed | 3 |
0.1%
|
|
| i have not borrowed any | 1 |
0%
|
|
| i have not borrowed any money | 1 |
0%
|
|
| i have not borrowed any money from any one | 1 |
0%
|
|
| i have not borrowed money | 1 |
0%
|
|
| i have not borrowed money from anyone | 1 |
0%
|
|
| i have not borrowed money to any one | 2 |
0%
|
|
| i have other source of in income | 1 |
0%
|
|
| i help people with money | 1 |
0%
|
|
| i never borrowed | 8 |
0.2%
|
|
| i never borrowed the money | 2 |
0%
|
|
| i provide myself | 1 |
0%
|
|
| idid not borrow any money | 1 |
0%
|
|
| isnt allowed to borrow | 1 |
0%
|
|
| just a person i know | 1 |
0%
|
|
| just a person i know from the community | 1 |
0%
|
|
| just started work | 1 |
0%
|
|
| l borrow money | 1 |
0%
|
|
| l did moy borrow any money | 1 |
0%
|
|
| l did not borrow from anybody | 1 |
0%
|
|
| l did not borrow money | 2 |
0%
|
|
| l did not borrow money from anyone | 1 |
0%
|
|
| l dont borrow money | 1 |
0%
|
|
| l dont borrow | 4 |
0.1%
|
|
| l dont borrow l usually use my savings | 1 |
0%
|
|
| l dont borrow money | 8 |
0.2%
|
|
| l dont borrow to any one | 1 |
0%
|
|
| l have never borrowed money | 1 |
0%
|
|
| l have not borrowed | 1 |
0%
|
|
| l have not borrowed from anybody | 1 |
0%
|
|
| l have not borrowed to any | 1 |
0%
|
|
| l have not borrowedfom anybody | 1 |
0%
|
|
| l havent borrowed money | 1 |
0%
|
|
| mainly don't borrow | 1 |
0%
|
|
| mobile money | 12 |
0.2%
|
|
| mobile money (nasova) | 1 |
0%
|
|
| moble money | 1 |
0%
|
|
| mombile money mtn | 1 |
0%
|
|
| mot needed | 1 |
0%
|
|
| mother | 1 |
0%
|
|
| mtn mobile | 1 |
0%
|
|
| mtn mobile money | 5 |
0.1%
|
|
| mtn money | 4 |
0.1%
|
|
| my child | 1 |
0%
|
|
| my children dont have to pay | 1 |
0%
|
|
| my children just assist me | 1 |
0%
|
|
| my father | 3 |
0.1%
|
|
| my friend from church | 1 |
0%
|
|
| my grandmother cant allow me to borrow money | 1 |
0%
|
|
| my husband | 1 |
0%
|
|
| my money is enough | 1 |
0%
|
|
| my neighbor | 1 |
0%
|
|
| my paster | 1 |
0%
|
|
| my savings | 1 |
0%
|
|
| my sister | 1 |
0%
|
|
| my spouse | 2 |
0%
|
|
| my uncle | 1 |
0%
|
|
| my young brother | 1 |
0%
|
|
| ndver borrowed | 4 |
0.1%
|
|
| neighbour | 3 |
0.1%
|
|
| nerver borrowed | 1 |
0%
|
|
| nerver borrowed money | 1 |
0%
|
|
| never | 5 |
0.1%
|
|
| never allowed to borrow | 1 |
0%
|
|
| never borowed | 3 |
0.1%
|
|
| never borroed | 1 |
0%
|
|
| never borrow | 6 |
0.1%
|
|
| never borrow money | 6 |
0.1%
|
|
| never borrowd | 4 |
0.1%
|
|
| never borrowde | 1 |
0%
|
|
| never borrowed | 331 |
6.3%
|
|
| never borrowed any money | 7 |
0.1%
|
|
| never borrowed any money from anyone | 1 |
0%
|
|
| never borrowed any where | 1 |
0%
|
|
| never borrowed before | 5 |
0.1%
|
|
| never borrowed from anyone | 2 |
0%
|
|
| never borrowed from anywhere | 1 |
0%
|
|
| never borrowed in the reference period | 1 |
0%
|
|
| never borrowed momey | 1 |
0%
|
|
| never borrowed money | 33 |
0.6%
|
|
| never borrowed money anywere | 1 |
0%
|
|
| never borrowed money for the past 12months | 1 |
0%
|
|
| never borrowed money from any one | 1 |
0%
|
|
| never borrowed scared | 1 |
0%
|
|
| never borrowed the money | 1 |
0%
|
|
| never borrowed to anyone | 1 |
0%
|
|
| never borrowef | 2 |
0%
|
|
| never borrrowed | 1 |
0%
|
|
| never borrwled | 1 |
0%
|
|
| never browed money | 2 |
0%
|
|
| neverborrowed | 1 |
0%
|
|
| nevet borrowed | 1 |
0%
|
|
| nevr borrowed | 1 |
0%
|
|
| nevver borrowed money | 1 |
0%
|
|
| nno one | 1 |
0%
|
|
| no any institution | 1 |
0%
|
|
| no applicable | 1 |
0%
|
|
| no body | 2 |
0%
|
|
| no borrowed from anybody | 1 |
0%
|
|
| no credit | 12 |
0.2%
|
|
| no institution | 1 |
0%
|
|
| no need | 4 |
0.1%
|
|
| no need borrowing | 3 |
0.1%
|
|
| no need to borrow | 1 |
0%
|
|
| no ome | 1 |
0%
|
|
| no one | 259 |
5%
|
|
| no one else | 1 |
0%
|
|
| no one. has not borrowed | 1 |
0%
|
|
| no other | 3 |
0.1%
|
|
| no present | 1 |
0%
|
|
| no reason | 1 |
0%
|
|
| no were | 3 |
0.1%
|
|
| no where | 36 |
0.7%
|
|
| nobody | 17 |
0.3%
|
|
| nobody (didn't borrow) | 1 |
0%
|
|
| non applicable | 1 |
0%
|
|
| non did not borrow | 2 |
0%
|
|
| non didnt borrow | 3 |
0.1%
|
|
| non didnt borrow from anyone | 1 |
0%
|
|
| non never borrowed | 3 |
0.1%
|
|
| non of the above | 8 |
0.2%
|
|
| non of the above listed things | 1 |
0%
|
|
| non of them | 1 |
0%
|
|
| non of these | 8 |
0.2%
|
|
| non, am schooling | 1 |
0%
|
|
| none | 574 |
11%
|
|
| none application | 1 |
0%
|
|
| none of above | 1 |
0%
|
|
| none of the abive | 1 |
0%
|
|
| none of the above | 30 |
0.6%
|
|
| none of them, does not like to borrow | 1 |
0%
|
|
| none.dont borrow | 1 |
0%
|
|
| none/didnt borrow to any one | 1 |
0%
|
|
| nono | 1 |
0%
|
|
| nonr | 1 |
0%
|
|
| nonw | 1 |
0%
|
|
| not allowed by parents | 1 |
0%
|
|
| not allowed to borrow | 5 |
0.1%
|
|
| not aplicable | 5 |
0.1%
|
|
| not app | 1 |
0%
|
|
| not appliable | 2 |
0%
|
|
| not appliacable | 1 |
0%
|
|
| not applicabe | 2 |
0%
|
|
| not applicable | 333 |
6.4%
|
|
| not applicable did manage | 1 |
0%
|
|
| not applicable(doesn't borrow) | 1 |
0%
|
|
| not applicablr | 1 |
0%
|
|
| not applicble | 1 |
0%
|
|
| not applicqble | 1 |
0%
|
|
| not applucable | 1 |
0%
|
|
| not available | 1 |
0%
|
|
| not borrow | 3 |
0.1%
|
|
| not borrow to anybody | 1 |
0%
|
|
| not borrowed | 44 |
0.8%
|
|
| not borrowed any | 1 |
0%
|
|
| not borrowed any money | 1 |
0%
|
|
| not borrowed anywhere | 2 |
0%
|
|
| not borrowed befor | 1 |
0%
|
|
| not borrowed from ang body | 1 |
0%
|
|
| not borrowed from any one | 3 |
0.1%
|
|
| not borrowed from anybody | 4 |
0.1%
|
|
| not borrowed money | 2 |
0%
|
|
| not borrowed money from any instution | 1 |
0%
|
|
| not in past 12 months. | 1 |
0%
|
|
| not mensioned anything | 1 |
0%
|
|
| not not applicable | 1 |
0%
|
|
| not spplicable | 1 |
0%
|
|
| notapplicable | 1 |
0%
|
|
| nothing | 7 |
0.1%
|
|
| nothing did not borrow | 1 |
0%
|
|
| nowere did not borrow money | 1 |
0%
|
|
| nowhere | 24 |
0.5%
|
|
| nowhere, has nit borrowed | 1 |
0%
|
|
| nowheren | 1 |
0%
|
|
| noy borrowed at all | 1 |
0%
|
|
| npt applicable | 1 |
0%
|
|
| nver borrowed | 1 |
0%
|
|
| on where else | 1 |
0%
|
|
| one acher fund | 1 |
0%
|
|
| only my from pension | 1 |
0%
|
|
| other elder from the community | 1 |
0%
|
|
| other relative | 1 |
0%
|
|
| other relatives | 1 |
0%
|
|
| parents | 3 |
0.1%
|
|
| people here dont borrow out money | 1 |
0%
|
|
| person | 1 |
0%
|
|
| previous years | 1 |
0%
|
|
| refused to answer | 1 |
0%
|
|
| rely on her mother to give her. | 1 |
0%
|
|
| rely on piece of work | 1 |
0%
|
|
| respondant did not borrow | 1 |
0%
|
|
| respondant didnt borrow | 1 |
0%
|
|
| respondant does not borrow | 2 |
0%
|
|
| respondant hasnt borrowed | 1 |
0%
|
|
| respondant never borrowed | 1 |
0%
|
|
| respondent did not borrow | 2 |
0%
|
|
| respondent did not borrow any money | 1 |
0%
|
|
| respondent did not borrow money | 1 |
0%
|
|
| respondent didnt borrow | 6 |
0.1%
|
|
| respondent didnt borrow from any | 1 |
0%
|
|
| respondent does not borrow | 1 |
0%
|
|
| respondent never borrowed any money | 2 |
0%
|
|
| respondent never borrowed money | 7 |
0.1%
|
|
| saving group | 1 |
0%
|
|
| savings | 1 |
0%
|
|
| scared of loan | 1 |
0%
|
|
| scared to borrow money | 1 |
0%
|
|
| she did not borrow any money from someone. | 1 |
0%
|
|
| she did not borrow | 1 |
0%
|
|
| she did not borrow any money from someone | 1 |
0%
|
|
| she did not borrow any money from someone. | 14 |
0.3%
|
|
| she did not borrow from anyone | 2 |
0%
|
|
| she did not borrrow any money from someone. | 1 |
0%
|
|
| she didnt borrow | 1 |
0%
|
|
| she didnt borrow any money | 1 |
0%
|
|
| she does not have credit | 1 |
0%
|
|
| she doesnt borrow money | 1 |
0%
|
|
| she dosent borrow money | 1 |
0%
|
|
| she fears to borrow | 1 |
0%
|
|
| she hasnt borrowed from anyone | 1 |
0%
|
|
| she is been kept | 1 |
0%
|
|
| she not borrowed before | 1 |
0%
|
|
| shop keeper | 1 |
0%
|
|
| shop within community | 1 |
0%
|
|
| shops | 1 |
0%
|
|
| shylock | 1 |
0%
|
|
| sidnt borrow | 1 |
0%
|
|
| silk | 1 |
0%
|
|
| silk group | 2 |
0%
|
|
| siluck | 1 |
0%
|
|
| sis not borrow | 1 |
0%
|
|
| sister | 1 |
0%
|
|
| skip not working | 1 |
0%
|
|
| someone in the community | 1 |
0%
|
|
| someone who borrows money | 1 |
0%
|
|
| spouse | 2 |
0%
|
|
| spouse/ family-friend | 1 |
0%
|
|
| still in school | 1 |
0%
|
|
| supported by children | 1 |
0%
|
|
| the household didnot borrow money | 1 |
0%
|
|
| the reapondent didnt borrow any money | 1 |
0%
|
|
| the respondant dont borrow | 1 |
0%
|
|
| the respondent didnt borrow | 3 |
0.1%
|
|
| the respondent didnt borrow money | 1 |
0%
|
|
| the respondent has not borrowed | 1 |
0%
|
|
| they do not borrow | 1 |
0%
|
|
| they refuse to give me the money | 1 |
0%
|
|
| through business | 1 |
0%
|
|
| to my friend | 1 |
0%
|
|
| to my land lord | 1 |
0%
|
|
| unable to borrow cause of not being able to pay | 1 |
0%
|
|
| uncle | 1 |
0%
|
|
| unity finance | 1 |
0%
|
|
| wemans group | 1 |
0%
|
|
| work place | 1 |
0%
|
|
| world divission | 1 |
0%
|
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.