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.5_S. Specify the main reason you borrowed from ... (G5_S)
Data file: 2020 Finscope data 7 July 2022_anonymised
Overview
Valid:
4781
Invalid:
0
Type:
Discrete
Width:
150
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| "none" | 1 |
0%
|
|
| "nothing" | 1 |
0%
|
|
| "she does not where to borrow" | 1 |
0%
|
|
| ,DID NOT BORROW | 1 |
0%
|
|
| 0000 | 1 |
0%
|
|
| 00000 | 1 |
0%
|
|
| BECAUSE OF LATE SALARY PAYMENTS | 1 |
0%
|
|
| BORROWED FROM GS | 1 |
0%
|
|
| Cant borrow money | 1 |
0%
|
|
| Cant/doesnt borrow money | 1 |
0%
|
|
| Convient | 1 |
0%
|
|
| DID BORROW | 1 |
0%
|
|
| DID NIT BORROW | 1 |
0%
|
|
| DID NOT BOERROW | 1 |
0%
|
|
| DID NOT BOORROW | 1 |
0%
|
|
| DID NOT BOROW | 1 |
0%
|
|
| DID NOT BORROW | 138 |
2.9%
|
|
| DID NOT BORROW ANY MONEY | 1 |
0%
|
|
| DID NOT BORROW ANY MONEY | 11 |
0.2%
|
|
| DID NOT BORROW FROM ANY SOURCE | 2 |
0%
|
|
| DID NOT BORROW MONEY | 10 |
0.2%
|
|
| DID'NT | 1 |
0%
|
|
| DID,NT BORROW | 3 |
0.1%
|
|
| DIDN'T BORROW | 1 |
0%
|
|
| DIDNNOT BORROW | 1 |
0%
|
|
| DIDNOT BORROW | 1 |
0%
|
|
| DIDNOT BORRW | 1 |
0%
|
|
| DIDNOT KNOW | 1 |
0%
|
|
| DIDNT BORROW | 5 |
0.1%
|
|
| DIDNT BORROW ANY MONEY | 2 |
0%
|
|
| DIDNT SAVE | 2 |
0%
|
|
| DO NOT BORROW | 1 |
0%
|
|
| DO NOT BORROW MONEY | 2 |
0%
|
|
| DOD NOT | 1 |
0%
|
|
| DOES NOT BORROW | 1 |
0%
|
|
| DOESNT BORROW | 1 |
0%
|
|
| DONT BORROW MONEY | 1 |
0%
|
|
| DONT LIKE BORROWING | 1 |
0%
|
|
| DUD NOT BORROW | 1 |
0%
|
|
| Did Not Borrow | 2 |
0%
|
|
| Did Not Borrow Money | 1 |
0%
|
|
| Did not Borrow | 7 |
0.1%
|
|
| Did not blorrow | 1 |
0%
|
|
| Did not borrow | 70 |
1.5%
|
|
| Did not borrow any money | 3 |
0.1%
|
|
| Did not borrow anywhere | 1 |
0%
|
|
| Did not borrow money | 17 |
0.4%
|
|
| Did not norrow | 1 |
0%
|
|
| Did't borrow | 1 |
0%
|
|
| Didn't borrow | 36 |
0.8%
|
|
| Didnt borrow | 1 |
0%
|
|
| Didnt Borrow money | 1 |
0%
|
|
| Didnt borrow | 14 |
0.3%
|
|
| Didnt borrow any mone | 1 |
0%
|
|
| Didnt borrow any money | 15 |
0.3%
|
|
| Didnt borrow money | 1 |
0%
|
|
| Didnt borrow money already stated | 1 |
0%
|
|
| Didnt not borrow any money | 1 |
0%
|
|
| Dint borrow | 4 |
0.1%
|
|
| Dint not borrow | 1 |
0%
|
|
| Dis not borrow | 1 |
0%
|
|
| Dis not borrow any money | 1 |
0%
|
|
| Do not borow | 1 |
0%
|
|
| Do not borrow | 8 |
0.2%
|
|
| Does Not Borrow | 1 |
0%
|
|
| Does not borrow | 4 |
0.1%
|
|
| Doesnt borrow | 1 |
0%
|
|
| Don't borrow | 3 |
0.1%
|
|
| Dont borrow | 4 |
0.1%
|
|
| Dont borrow from any source | 1 |
0%
|
|
| Dont borrow money | 1 |
0%
|
|
| Dont like credits | 1 |
0%
|
|
| Dont need to borrow | 1 |
0%
|
|
| Dud not borrow | 1 |
0%
|
|
| Dudn't borrow | 1 |
0%
|
|
| FOR TRANSPORT | 1 |
0%
|
|
| FROM A RELATIVE DID NOT NEED TO PAY BACK | 1 |
0%
|
|
| For Food | 1 |
0%
|
|
| For lobola | 1 |
0%
|
|
| For medical expenses | 1 |
0%
|
|
| Gotten money to pay medical costs for a sick kid | 1 |
0%
|
|
| HAVE NEVER BORROWED | 1 |
0%
|
|
| HAVE NOT BORROWED | 2 |
0%
|
|
| HAVE NOT BORTOWED ANY MONEY | 1 |
0%
|
|
| HAVENT BORROWED | 1 |
0%
|
|
| He did not borrow any money | 1 |
0%
|
|
| He didnt borrow from anyone | 1 |
0%
|
|
| He didnt borrow from anywhere | 3 |
0.1%
|
|
| He didnt borrow from anywhere. | 1 |
0%
|
|
| He didnt borrow money from anywhere | 1 |
0%
|
|
| I DID NOT BORROW | 9 |
0.2%
|
|
| I DID NOT BORROW ANY MONEY | 1 |
0%
|
|
| I DID NOT HAVE TO PAY BACK | 1 |
0%
|
|
| I DIDNT BORROW | 1 |
0%
|
|
| I DO NOT BORROW | 1 |
0%
|
|
| I DONT BORROW MONEY | 3 |
0.1%
|
|
| I DONT BORROWE | 1 |
0%
|
|
| I LIVE WITHIN MY MEANS | 1 |
0%
|
|
| I did not borrow | 2 |
0%
|
|
| I did not borrow from anyone | 1 |
0%
|
|
| I did not borrow money | 5 |
0.1%
|
|
| I did not borrow. | 1 |
0%
|
|
| I didn't borrow | 1 |
0%
|
|
| I didn't borrow from anywhere | 1 |
0%
|
|
| I didnt borrow | 2 |
0%
|
|
| I didnt borrow any money | 1 |
0%
|
|
| I didnt borrow from anywhere | 1 |
0%
|
|
| I dint borrow | 2 |
0%
|
|
| I dint borrow money | 1 |
0%
|
|
| I do not borrow | 14 |
0.3%
|
|
| I do not borrow money | 2 |
0%
|
|
| I dont borrow | 1 |
0%
|
|
| I dont borrow money | 1 |
0%
|
|
| I had not borrowed | 2 |
0%
|
|
| I trust and as they trust me also | 1 |
0%
|
|
| I'll help them in future too | 1 |
0%
|
|
| INVEST IN BUSINESS | 1 |
0%
|
|
| It was a gift from parents, skip was ommited | 1 |
0%
|
|
| Its stable and i have confidence | 1 |
0%
|
|
| KYc did not borrow | 1 |
0%
|
|
| NEVER BOROWED | 1 |
0%
|
|
| NEVER BORROW | 1 |
0%
|
|
| NEVER BORROWED | 118 |
2.5%
|
|
| NEVER BORROWED ANY MONEY | 3 |
0.1%
|
|
| NEVER BORROWED, Hence not applicable. | 1 |
0%
|
|
| NILL | 1 |
0%
|
|
| NO INTEREST | 1 |
0%
|
|
| NO INTEREST WAS INVOLVED | 1 |
0%
|
|
| NO INTREST | 1 |
0%
|
|
| NO MONEY TO PAY BACK | 1 |
0%
|
|
| NO REASON | 14 |
0.3%
|
|
| NO SEASON | 1 |
0%
|
|
| NO SKIP INSTRUCTION | 3 |
0.1%
|
|
| NO SKIP INSTRUCTION WHEN THE RESPONDENT SAYS NO | 1 |
0%
|
|
| NO SKIP INSTRUCTIONS | 1 |
0%
|
|
| NON SKIP INSTRUCTION | 1 |
0%
|
|
| NONE | 39 |
0.8%
|
|
| NONE SKIP NOT WORKING | 1 |
0%
|
|
| NOT ALLOWED TO BORROW | 1 |
0%
|
|
| NOT ALOWED TO BORROW MONEY | 1 |
0%
|
|
| NOT APPLICABLE | 41 |
0.9%
|
|
| NOT APPLICABLE AS RESPONDENT NEVER BORROWED AT ALL | 1 |
0%
|
|
| NOT APPLICABLE SINCE RESPONDENT DID NOT BORROW | 1 |
0%
|
|
| NOT APPLICATION | 2 |
0%
|
|
| NOT BORRIWED ANY MONEY | 1 |
0%
|
|
| NOT BORROWED | 5 |
0.1%
|
|
| NOT BORROWED ANY | 1 |
0%
|
|
| NOT BORROWED ANY MONEY | 3 |
0.1%
|
|
| NOT BORROWED FROM ANYONE | 1 |
0%
|
|
| NOTHING | 1 |
0%
|
|
| N\\A | 1 |
0%
|
|
| Needed to buy food | 1 |
0%
|
|
| Never Birrowed | 1 |
0%
|
|
| Never Borrowed | 2 |
0%
|
|
| Never borriwed | 1 |
0%
|
|
| Never borrowed | 15 |
0.3%
|
|
| Never borrowed before | 1 |
0%
|
|
| No credit | 1 |
0%
|
|
| No income | 1 |
0%
|
|
| No one | 1 |
0%
|
|
| Non of the above | 1 |
0%
|
|
| None | 37 |
0.8%
|
|
| None of the | 1 |
0%
|
|
| None of the above | 7 |
0.1%
|
|
| None, didn't borrow any money | 1 |
0%
|
|
| Not /Applicable | 1 |
0%
|
|
| Not Aplicable | 4 |
0.1%
|
|
| Not Applicable | 31 |
0.6%
|
|
| Not Borrowed | 1 |
0%
|
|
| Not aplicable | 1 |
0%
|
|
| Not applicable | 23 |
0.5%
|
|
| Not borrowed | 2 |
0%
|
|
| Not working currently | 1 |
0%
|
|
| Notbapplicable | 1 |
0%
|
|
| Nothing | 2 |
0%
|
|
| Nothinh | 1 |
0%
|
|
| Nowhere | 1 |
0%
|
|
| Only got money he did not have to pay back | 1 |
0%
|
|
| PARENTS PROVIDE | 1 |
0%
|
|
| RESPONDENT DID NOT BORROW ANY MONEY | 14 |
0.3%
|
|
| RESPONDENT DID NOT BORROW ANY MONeY | 1 |
0%
|
|
| RESPONDENT DIDN'T BORROW ANY MONEY | 4 |
0.1%
|
|
| RESPONDENT DIDNT BOROW ANY MONEY | 1 |
0%
|
|
| RESPONDENT DIDNT BORROW | 9 |
0.2%
|
|
| RESPONDENT DIDNT BORROW ANY MONEY | 11 |
0.2%
|
|
| RESPONDENT DIDNT BORROW. | 2 |
0%
|
|
| RESPONDENT DOES NOT BORROW | 1 |
0%
|
|
| RESPONDENT DOESNT BORROW | 1 |
0%
|
|
| RESPONDENT DOESNT BORROW. | 1 |
0%
|
|
| RESPONDENT DOESNT OWE ANY MONEY | 1 |
0%
|
|
| RESPONDENT HAS NO CREDIT HISTORY | 1 |
0%
|
|
| RESPONDENT HAS NOT BORROWED | 1 |
0%
|
|
| RESPONDENT WANTED MONEY URGENTLY | 1 |
0%
|
|
| She didint borrow from any source | 1 |
0%
|
|
| She didnt borrow from anywhere | 4 |
0.1%
|
|
| She didnt borrow from anywherw | 1 |
0%
|
|
| She didnt borrow money from anywhere | 2 |
0%
|
|
| She does not borrow | 1 |
0%
|
|
| She was just given by her parent | 1 |
0%
|
|
| THE PERIOD TO RETAIN IS LONGER | 1 |
0%
|
|
| THINGS WERE HARD | 1 |
0%
|
|
| TO BUY A HOUSE | 1 |
0%
|
|
| TO COVER FOR MY DAILY EXPENSES | 1 |
0%
|
|
| TO HELP COVER MY EXPENSES | 1 |
0%
|
|
| TRANSPORT | 1 |
0%
|
|
| Talk time | 1 |
0%
|
|
| Thats where i want to | 1 |
0%
|
|
| The respondent said has never borrowed | 1 |
0%
|
|
| Theres no given period to pay back | 1 |
0%
|
|
| They were no conditiona attached to it. | 1 |
0%
|
|
| This person has never borrowed money | 1 |
0%
|
|
| This person has not borrowed money | 1 |
0%
|
|
| To buy school books | 1 |
0%
|
|
| USED SAVINGS | 1 |
0%
|
|
| Unza fees | 1 |
0%
|
|
| We do not borrow here | 1 |
0%
|
|
| We dont borrow | 1 |
0%
|
|
| You pay back with no interest | 1 |
0%
|
|
| ______ | 1 |
0%
|
|
| afraid my fail to pay | 1 |
0%
|
|
| am a sick | 1 |
0%
|
|
| am scared | 1 |
0%
|
|
| at all | 1 |
0%
|
|
| because it is a mandate in our saving group | 1 |
0%
|
|
| because she dosnt like borrowing | 1 |
0%
|
|
| because thats where i save | 1 |
0%
|
|
| because they does trust me. | 1 |
0%
|
|
| because they had my money | 1 |
0%
|
|
| because they know very well | 1 |
0%
|
|
| becouse i don't borrow money | 1 |
0%
|
|
| becouse i wanted the money | 1 |
0%
|
|
| boost business | 1 |
0%
|
|
| boost my business | 1 |
0%
|
|
| boost the business | 1 |
0%
|
|
| borrow small amounts | 1 |
0%
|
|
| borrowed in order to meet family needs | 1 |
0%
|
|
| borrowing is not a good thing | 1 |
0%
|
|
| borrows when in need | 1 |
0%
|
|
| bought fertilizer | 1 |
0%
|
|
| bought food | 1 |
0%
|
|
| bought land | 1 |
0%
|
|
| bought maize | 1 |
0%
|
|
| bougt frezier | 1 |
0%
|
|
| building a house | 1 |
0%
|
|
| business | 2 |
0%
|
|
| business purpose | 1 |
0%
|
|
| buying food at home | 1 |
0%
|
|
| buying person things | 1 |
0%
|
|
| can pay back when i have money | 1 |
0%
|
|
| cant borrow | 1 |
0%
|
|
| child fail sick | 1 |
0%
|
|
| client did not borrow | 1 |
0%
|
|
| client did not manage | 1 |
0%
|
|
| corpe up with my expenses | 1 |
0%
|
|
| currently not borrowed | 1 |
0%
|
|
| deosnt borrow | 1 |
0%
|
|
| did not borrow | 1 |
0%
|
|
| did borrow | 3 |
0.1%
|
|
| did did not | 1 |
0%
|
|
| did mot borrow. | 1 |
0%
|
|
| did nit borrow | 2 |
0%
|
|
| did no borrow | 1 |
0%
|
|
| did nor borrow | 1 |
0%
|
|
| did not | 23 |
0.5%
|
|
| did not borrow | 1 |
0%
|
|
| did not bollow | 1 |
0%
|
|
| did not boorrow | 1 |
0%
|
|
| did not borow | 6 |
0.1%
|
|
| did not borow any money | 1 |
0%
|
|
| did not borow money | 1 |
0%
|
|
| did not boroww | 1 |
0%
|
|
| did not borrew | 1 |
0%
|
|
| did not borroe any money | 1 |
0%
|
|
| did not borror | 1 |
0%
|
|
| did not borrow | 828 |
17.3%
|
|
| did not borrow afrad of borrowing | 1 |
0%
|
|
| did not borrow any | 1 |
0%
|
|
| did not borrow any money | 16 |
0.3%
|
|
| did not borrow any moneyb | 1 |
0%
|
|
| did not borrow any monies | 1 |
0%
|
|
| did not borrow any mony | 1 |
0%
|
|
| did not borrow anywhere | 2 |
0%
|
|
| did not borrow believes in survival skills | 1 |
0%
|
|
| did not borrow during this rrference period | 1 |
0%
|
|
| did not borrow from anone | 1 |
0%
|
|
| did not borrow from any one | 1 |
0%
|
|
| did not borrow from anyone | 3 |
0.1%
|
|
| did not borrow from anywhere | 3 |
0.1%
|
|
| did not borrow money | 32 |
0.7%
|
|
| did not borrow money form anyone | 1 |
0%
|
|
| did not borrow money from any one | 1 |
0%
|
|
| did not borrow money from anyone | 2 |
0%
|
|
| did not borrow not allowed by family | 1 |
0%
|
|
| did not borrow the money | 1 |
0%
|
|
| did not borrow. | 2 |
0%
|
|
| did not borrowe from an one | 1 |
0%
|
|
| did not borrpw | 1 |
0%
|
|
| did not borrrow | 2 |
0%
|
|
| did not have money to pay back | 1 |
0%
|
|
| did not money | 1 |
0%
|
|
| did not need it | 1 |
0%
|
|
| did not need to borrow | 2 |
0%
|
|
| did not norrow | 1 |
0%
|
|
| did not skip | 1 |
0%
|
|
| did not trust | 1 |
0%
|
|
| did not want to | 1 |
0%
|
|
| did not want to borrow | 1 |
0%
|
|
| did not. borrow | 1 |
0%
|
|
| did nott borrow | 1 |
0%
|
|
| did nt borrow | 1 |
0%
|
|
| did'nt borrow | 1 |
0%
|
|
| did'nt borrow money | 1 |
0%
|
|
| did't borrow money | 1 |
0%
|
|
| did. not borrow | 1 |
0%
|
|
| didi not borrow | 1 |
0%
|
|
| didmt borrow | 1 |
0%
|
|
| didn t borrow | 1 |
0%
|
|
| didn't Borrow | 1 |
0%
|
|
| didn't borow | 1 |
0%
|
|
| didn't borrow | 88 |
1.8%
|
|
| didn't borrow any money | 2 |
0%
|
|
| didn't borrow from 'other' | 1 |
0%
|
|
| didn't borrow money | 1 |
0%
|
|
| didn't borrwow | 1 |
0%
|
|
| didn't goodie | 1 |
0%
|
|
| didnot | 1 |
0%
|
|
| didnot borrow | 25 |
0.5%
|
|
| didnot borrow money | 1 |
0%
|
|
| didnot. borrow | 1 |
0%
|
|
| didnt | 1 |
0%
|
|
| didnt borow | 2 |
0%
|
|
| didnt borrow | 297 |
6.2%
|
|
| didnt borrow any money | 3 |
0.1%
|
|
| didnt borrow any more | 1 |
0%
|
|
| didnt borrow anywhere | 2 |
0%
|
|
| didnt borrow but can if there is need | 1 |
0%
|
|
| didnt borrow money | 8 |
0.2%
|
|
| didnt borrow the system has provision | 1 |
0%
|
|
| didnt borrow. | 1 |
0%
|
|
| didnt borrowe | 1 |
0%
|
|
| didnt borrowed | 1 |
0%
|
|
| didnt borrrow | 1 |
0%
|
|
| didnt get money | 1 |
0%
|
|
| didnt have what to pay back | 1 |
0%
|
|
| didnt. borrow | 1 |
0%
|
|
| didt borrow | 1 |
0%
|
|
| didt borrow money | 2 |
0%
|
|
| didtn borrow | 1 |
0%
|
|
| dif not borrow | 3 |
0.1%
|
|
| dint borrow | 12 |
0.3%
|
|
| dis not borrow | 1 |
0%
|
|
| dislikes | 1 |
0%
|
|
| do have acess | 1 |
0%
|
|
| do not | 1 |
0%
|
|
| do not believe in borrowing | 1 |
0%
|
|
| do not borrow | 29 |
0.6%
|
|
| do not borrow (fears) | 1 |
0%
|
|
| do not borrow money | 3 |
0.1%
|
|
| do not brorrow | 1 |
0%
|
|
| do not know | 1 |
0%
|
|
| do not know any of them | 1 |
0%
|
|
| dod not borrow | 4 |
0.1%
|
|
| dodnt borrow | 1 |
0%
|
|
| doen't borrow | 1 |
0%
|
|
| does not borrow | 27 |
0.6%
|
|
| does not borrow from anyone | 1 |
0%
|
|
| does not borrow money | 2 |
0%
|
|
| does not borrow money due to her condition | 1 |
0%
|
|
| does not bortow supported by children | 1 |
0%
|
|
| does not credit | 1 |
0%
|
|
| doesent borrow | 1 |
0%
|
|
| doesn't borrow money | 1 |
0%
|
|
| doesnt borow | 1 |
0%
|
|
| doesnt borrow | 8 |
0.2%
|
|
| doesnt borrow money | 3 |
0.1%
|
|
| don' have money to pay back | 1 |
0%
|
|
| don't borrow | 4 |
0.1%
|
|
| don't borrow depend on myself and children | 1 |
0%
|
|
| don't borrow from anywhere | 1 |
0%
|
|
| don't borrow money | 3 |
0.1%
|
|
| don't have money to pay back | 1 |
0%
|
|
| don't know other sources to borrow from | 1 |
0%
|
|
| don't like borrowing | 1 |
0%
|
|
| don't like the idea of borrowing | 1 |
0%
|
|
| don't work still at school | 1 |
0%
|
|
| dont | 1 |
0%
|
|
| dont borrowed | 1 |
0%
|
|
| dont believe in borrowing | 1 |
0%
|
|
| dont borow | 1 |
0%
|
|
| dont borrow | 71 |
1.5%
|
|
| dont borrow and is not nallowed | 1 |
0%
|
|
| dont borrow from banks | 1 |
0%
|
|
| dont borrow he depends on children | 1 |
0%
|
|
| dont borrow iam been kept | 1 |
0%
|
|
| dont borrow mmoney | 1 |
0%
|
|
| dont borrow money | 9 |
0.2%
|
|
| dont borrowe | 1 |
0%
|
|
| dont bowrrow money | 1 |
0%
|
|
| dont have a reason | 1 |
0%
|
|
| dont have access | 4 |
0.1%
|
|
| dont have acess | 2 |
0%
|
|
| dont have money | 1 |
0%
|
|
| dont have money to pay | 1 |
0%
|
|
| dont have money to pay back | 1 |
0%
|
|
| dont have money to save | 1 |
0%
|
|
| dont like borrowing | 2 |
0%
|
|
| dont like borrowing money | 1 |
0%
|
|
| dont money | 1 |
0%
|
|
| dud not borrow | 2 |
0%
|
|
| dud not borrow money | 3 |
0.1%
|
|
| dudnot borrow | 1 |
0%
|
|
| dudnt borrow | 1 |
0%
|
|
| easy to pay back | 1 |
0%
|
|
| education | 3 |
0.1%
|
|
| education purpose | 1 |
0%
|
|
| expenses | 1 |
0%
|
|
| farming | 1 |
0%
|
|
| farming imputes | 1 |
0%
|
|
| fear | 1 |
0%
|
|
| fear to be embarassed | 1 |
0%
|
|
| feat | 1 |
0%
|
|
| for berivement | 1 |
0%
|
|
| for business | 2 |
0%
|
|
| for business purposes | 1 |
0%
|
|
| for bussines purposes | 1 |
0%
|
|
| for food | 1 |
0%
|
|
| for food and development | 1 |
0%
|
|
| for school fees | 1 |
0%
|
|
| for seeds | 1 |
0%
|
|
| from neighbour | 1 |
0%
|
|
| funeral | 1 |
0%
|
|
| gas not borrowed | 1 |
0%
|
|
| getting my money from pension | 1 |
0%
|
|
| gives more money and longer period to pay | 1 |
0%
|
|
| got from a friend because of trust | 1 |
0%
|
|
| had a petient | 1 |
0%
|
|
| had an emergency | 1 |
0%
|
|
| had financial crisis | 1 |
0%
|
|
| had no other choice had to pay outstanding debt | 1 |
0%
|
|
| had not borrowed | 15 |
0.3%
|
|
| had not borrwed | 1 |
0%
|
|
| had to send money to my brother | 1 |
0%
|
|
| had to top up | 1 |
0%
|
|
| has not borrowed | 6 |
0.1%
|
|
| has not borrowed any money | 1 |
0%
|
|
| has not borrowed from anywhere | 1 |
0%
|
|
| has not borrowed money | 1 |
0%
|
|
| hasband doesnt allow wife to borrow | 1 |
0%
|
|
| have never borrowed | 2 |
0%
|
|
| have never borrowed from anyone | 1 |
0%
|
|
| have never borrowed money | 4 |
0.1%
|
|
| have never borrowed money before | 1 |
0%
|
|
| have never borrwed | 1 |
0%
|
|
| have no debts | 1 |
0%
|
|
| have not borowed anything | 1 |
0%
|
|
| have not borrowed | 16 |
0.3%
|
|
| have not borrowed any money | 1 |
0%
|
|
| have not borrowed from any one | 1 |
0%
|
|
| have not borrowed from anywhere | 1 |
0%
|
|
| have not borrowed money | 1 |
0%
|
|
| have not borrowed to anyone | 1 |
0%
|
|
| have not borrowef anywhere | 1 |
0%
|
|
| haven't borrowed | 1 |
0%
|
|
| haven't borrowed from anyone | 1 |
0%
|
|
| havent borrowed | 4 |
0.1%
|
|
| he did not | 1 |
0%
|
|
| he did not borrow | 1 |
0%
|
|
| he did not borrow any money from someone. | 1 |
0%
|
|
| he did not borrow any money from someone. | 10 |
0.2%
|
|
| he doesnt borrow | 1 |
0%
|
|
| he is the only one who was lending money | 1 |
0%
|
|
| help regular expenses | 1 |
0%
|
|
| help with expences | 1 |
0%
|
|
| i can pay back anytime i want | 1 |
0%
|
|
| i cant afford | 1 |
0%
|
|
| i cant borrow | 1 |
0%
|
|
| i cant pay back im too old i dont work | 1 |
0%
|
|
| i did not borrow any money | 1 |
0%
|
|
| i did mot borrow money | 1 |
0%
|
|
| i did not | 2 |
0%
|
|
| i did not borrew | 1 |
0%
|
|
| i did not borrow | 14 |
0.3%
|
|
| i did not borrow any money | 1 |
0%
|
|
| i did not borrow any monry | 1 |
0%
|
|
| i did not borrow from any one | 1 |
0%
|
|
| i did not borrow from anyone | 1 |
0%
|
|
| i did not borrow money | 26 |
0.5%
|
|
| i did not borrow money from anyone | 4 |
0.1%
|
|
| i did not buy anything | 1 |
0%
|
|
| i didn't borrow | 1 |
0%
|
|
| i didn't borrow any money | 2 |
0%
|
|
| i didnot borrow | 2 |
0%
|
|
| i didnot borrow money | 1 |
0%
|
|
| i didnot borrow money from anyone | 1 |
0%
|
|
| i didnt | 5 |
0.1%
|
|
| i didnt borroe money | 1 |
0%
|
|
| i didnt borrow | 23 |
0.5%
|
|
| i didnt borrow am old | 1 |
0%
|
|
| i didnt borrow any money | 6 |
0.1%
|
|
| i didnt borrow any money in the last 12 months | 1 |
0%
|
|
| i didnt borrow any where | 1 |
0%
|
|
| i didnt borrow anywhere. | 1 |
0%
|
|
| i didnt borrow from any one | 1 |
0%
|
|
| i didnt borrow from anyone | 4 |
0.1%
|
|
| i didnt borrow money | 4 |
0.1%
|
|
| i didnt borrow money any where | 1 |
0%
|
|
| i didnt borrow money from anyone | 2 |
0%
|
|
| i didnt bprrpw money | 1 |
0%
|
|
| i didnt buy money | 1 |
0%
|
|
| i didnt not borrow money from anyone | 1 |
0%
|
|
| i didnt where | 1 |
0%
|
|
| i dint borrow | 2 |
0%
|
|
| i diny borrow any where | 1 |
0%
|
|
| i do not borrow | 1 |
0%
|
|
| i do not borrow | 5 |
0.1%
|
|
| i do not borrow because i have no income | 1 |
0%
|
|
| i do not borrow money | 1 |
0%
|
|
| i do not borrwo money | 1 |
0%
|
|
| i don't borrow | 3 |
0.1%
|
|
| i don't borrow money | 6 |
0.1%
|
|
| i don't have debts | 2 |
0%
|
|
| i don't have money to pay back | 2 |
0%
|
|
| i don't have where to get the money from | 1 |
0%
|
|
| i dont | 1 |
0%
|
|
| i dont believe in borrowing money | 1 |
0%
|
|
| i dont borrow | 36 |
0.8%
|
|
| i dont borrow money | 7 |
0.1%
|
|
| i dont borrow too old | 1 |
0%
|
|
| i dont borrow,if need comes where he has to borrow | 1 |
0%
|
|
| i dont borroww | 1 |
0%
|
|
| i dont have | 1 |
0%
|
|
| i dont have acess to them | 1 |
0%
|
|
| i dont have money | 1 |
0%
|
|
| i dont have money to pay back | 1 |
0%
|
|
| i dont have money to save | 1 |
0%
|
|
| i dont need it | 1 |
0%
|
|
| i dont want | 1 |
0%
|
|
| i dont want to borrow | 1 |
0%
|
|
| i had a shortage of fertilizer to use in the garde | 1 |
0%
|
|
| i had enough for my family | 1 |
0%
|
|
| i had not borrowef | 1 |
0%
|
|
| i had shortful | 1 |
0%
|
|
| i had totally nothing to eat | 1 |
0%
|
|
| i have enough | 1 |
0%
|
|
| i have insuficient funds | 1 |
0%
|
|
| i have nevee borrowed | 1 |
0%
|
|
| i have never borrowed | 2 |
0%
|
|
| i have never borrowed before | 1 |
0%
|
|
| i have no business | 1 |
0%
|
|
| i have no debts | 1 |
0%
|
|
| i have not | 1 |
0%
|
|
| i have not borrowd | 1 |
0%
|
|
| i have not borrowed | 6 |
0.1%
|
|
| i have not borrowed any money | 1 |
0%
|
|
| i have not borrowed from anyone | 1 |
0%
|
|
| i have not borrowed money | 1 |
0%
|
|
| i have not borrwed | 1 |
0%
|
|
| i havent borrowed | 1 |
0%
|
|
| i havent borrowed from anyone | 2 |
0%
|
|
| i lost my father | 1 |
0%
|
|
| i need did not borrow money from anyone | 1 |
0%
|
|
| i need to buy something | 1 |
0%
|
|
| i needed to use it | 1 |
0%
|
|
| i never borrowed | 10 |
0.2%
|
|
| i never borrowed any amount of money | 1 |
0%
|
|
| i never borrowed any one | 1 |
0%
|
|
| i never borrowed from anyone | 1 |
0%
|
|
| i never borrowed money | 4 |
0.1%
|
|
| i scared to borrow money from people | 1 |
0%
|
|
| i wanted to buy school books | 1 |
0%
|
|
| i wanted to buy seed | 1 |
0%
|
|
| i wanted to start doing business | 1 |
0%
|
|
| i was brock | 1 |
0%
|
|
| i was building a house | 1 |
0%
|
|
| i was in need of that money | 1 |
0%
|
|
| i was not paying back | 1 |
0%
|
|
| i was paying for my children at school | 1 |
0%
|
|
| i was toping up bus fare for my relative | 1 |
0%
|
|
| is the only one allowed to borrow | 1 |
0%
|
|
| it was a gift | 1 |
0%
|
|
| it was agent my wife needed money for personal use | 1 |
0%
|
|
| its a mandate to borrow from the group | 1 |
0%
|
|
| its a rule for the group i belong to borrow | 1 |
0%
|
|
| its easy to get from relatives than un known peopl | 1 |
0%
|
|
| its my farmily | 1 |
0%
|
|
| ive not borrowed | 1 |
0%
|
|
| just sell my livestock to meet my need | 1 |
0%
|
|
| just when i dont have | 1 |
0%
|
|
| l did not borrow money | 1 |
0%
|
|
| l did not borrow money from anybody | 1 |
0%
|
|
| l did not borrow money from anyone | 1 |
0%
|
|
| l do not borrow from any one | 1 |
0%
|
|
| l do not like credits | 1 |
0%
|
|
| l don't believe in it | 1 |
0%
|
|
| l don't like credits | 1 |
0%
|
|
| l don't like it | 2 |
0%
|
|
| l don't love credits | 1 |
0%
|
|
| l dont borrow | 8 |
0.2%
|
|
| l dont borrow money | 6 |
0.1%
|
|
| l hate borrowing | 1 |
0%
|
|
| l have never borrowed money | 1 |
0%
|
|
| l have no capacity | 1 |
0%
|
|
| l have no credit | 1 |
0%
|
|
| l have not borrowed | 1 |
0%
|
|
| l have not borrowed from anybody | 2 |
0%
|
|
| l havent borrowed any money | 1 |
0%
|
|
| lack of finance | 1 |
0%
|
|
| lhave not borrowed from any one | 1 |
0%
|
|
| li dont borrow money | 1 |
0%
|
|
| medical expenses | 2 |
0%
|
|
| medication | 1 |
0%
|
|
| money | 1 |
0%
|
|
| more flexible than banks | 1 |
0%
|
|
| my parents gives me enough | 1 |
0%
|
|
| my wife was pregnant | 1 |
0%
|
|
| ndver borrowed | 1 |
0%
|
|
| needed money for business capital | 1 |
0%
|
|
| needed to buy relish | 1 |
0%
|
|
| needed to buy some unexpected expenses | 1 |
0%
|
|
| nev!r borrowed | 1 |
0%
|
|
| neve borrowed | 1 |
0%
|
|
| neveer borroed | 1 |
0%
|
|
| never | 4 |
0.1%
|
|
| never borrowed | 2 |
0%
|
|
| never allowed to borrow | 1 |
0%
|
|
| never borrewed | 1 |
0%
|
|
| never borriwed | 1 |
0%
|
|
| never borroewd | 2 |
0%
|
|
| never borrored | 1 |
0%
|
|
| never borrorwed money | 1 |
0%
|
|
| never borrow | 7 |
0.1%
|
|
| never borrow money | 1 |
0%
|
|
| never borrowd money | 1 |
0%
|
|
| never borrowe | 1 |
0%
|
|
| never borrowed | 422 |
8.8%
|
|
| never borrowed any money | 7 |
0.1%
|
|
| never borrowed anything | 1 |
0%
|
|
| never borrowed anywhere | 1 |
0%
|
|
| never borrowed before | 3 |
0.1%
|
|
| never borrowed befors | 1 |
0%
|
|
| never borrowed but can borrow if there is need | 1 |
0%
|
|
| never borrowed from anyone | 1 |
0%
|
|
| never borrowed from anywhere | 1 |
0%
|
|
| never borrowed from bank | 1 |
0%
|
|
| never borrowed in the reference period | 2 |
0%
|
|
| never borrowed mnoey | 1 |
0%
|
|
| never borrowed momey | 1 |
0%
|
|
| never borrowed money | 31 |
0.6%
|
|
| never borrowed money from anyone | 1 |
0%
|
|
| never borrowed money from anywhere | 1 |
0%
|
|
| never borrowed money, only goods | 1 |
0%
|
|
| never borrowed. | 2 |
0%
|
|
| never borrowef | 2 |
0%
|
|
| never borrowered | 1 |
0%
|
|
| never borrowwed any money | 1 |
0%
|
|
| never borrwed | 1 |
0%
|
|
| never borrwoed | 1 |
0%
|
|
| never bortowed | 1 |
0%
|
|
| never browed | 1 |
0%
|
|
| never brrowed | 1 |
0%
|
|
| never did | 1 |
0%
|
|
| never needed to borrow | 2 |
0%
|
|
| never taken | 2 |
0%
|
|
| never. borrowed | 1 |
0%
|
|
| neverborrowed | 1 |
0%
|
|
| nevet borrowed | 1 |
0%
|
|
| nevver borrowed | 1 |
0%
|
|
| nnothing | 1 |
0%
|
|
| no borrowed from anybody | 1 |
0%
|
|
| no credit | 14 |
0.3%
|
|
| no credits | 1 |
0%
|
|
| no didnt borrow | 1 |
0%
|
|
| no food | 1 |
0%
|
|
| no indidn borrow | 1 |
0%
|
|
| no interest charged | 2 |
0%
|
|
| no interest rates | 1 |
0%
|
|
| no intrest | 1 |
0%
|
|
| no intrest added | 1 |
0%
|
|
| no intrest rates | 1 |
0%
|
|
| no money | 1 |
0%
|
|
| no money to pay back | 1 |
0%
|
|
| no need | 2 |
0%
|
|
| no need borrowing | 1 |
0%
|
|
| no need for that | 1 |
0%
|
|
| no need to borrow | 1 |
0%
|
|
| no one | 25 |
0.5%
|
|
| no other | 1 |
0%
|
|
| no paying back | 1 |
0%
|
|
| no reason | 9 |
0.2%
|
|
| no were | 1 |
0%
|
|
| no where | 7 |
0.1%
|
|
| nobody | 2 |
0%
|
|
| nobody or nowhere | 1 |
0%
|
|
| non applicable | 3 |
0.1%
|
|
| non at all | 1 |
0%
|
|
| non of the above | 3 |
0.1%
|
|
| non of these | 2 |
0%
|
|
| non, am schooling | 1 |
0%
|
|
| none | 414 |
8.7%
|
|
| none doesnt apply | 1 |
0%
|
|
| none of the above | 7 |
0.1%
|
|
| none of these | 1 |
0%
|
|
| nonee | 1 |
0%
|
|
| nonr | 1 |
0%
|
|
| northing | 1 |
0%
|
|
| not Applicable | 1 |
0%
|
|
| not a member | 1 |
0%
|
|
| not allowed by parents | 1 |
0%
|
|
| not allowed to borrow | 4 |
0.1%
|
|
| not alowed to borrow | 1 |
0%
|
|
| not aplicable | 5 |
0.1%
|
|
| not apllicable | 2 |
0%
|
|
| not appicable | 2 |
0%
|
|
| not applcable | 1 |
0%
|
|
| not appliable | 1 |
0%
|
|
| not applicabe | 2 |
0%
|
|
| not applicable | 376 |
7.9%
|
|
| not applicablr | 2 |
0%
|
|
| not applicale | 1 |
0%
|
|
| not applicatwd | 1 |
0%
|
|
| not applucable | 1 |
0%
|
|
| not appplicable | 1 |
0%
|
|
| not appricable | 1 |
0%
|
|
| not available | 1 |
0%
|
|
| not borerowed | 1 |
0%
|
|
| not borrow from any one | 1 |
0%
|
|
| not borrowed | 40 |
0.8%
|
|
| not borrowed anywhere | 2 |
0%
|
|
| not borrowed before | 1 |
0%
|
|
| not borrowed from any body | 1 |
0%
|
|
| not borrowed from anybody | 7 |
0.1%
|
|
| not borrowed from anyone | 1 |
0%
|
|
| not borrowed from anywhere | 1 |
0%
|
|
| not borrowed money | 1 |
0%
|
|
| not borrowed money to any | 1 |
0%
|
|
| not borrowed to any | 2 |
0%
|
|
| not borrowwd | 1 |
0%
|
|
| not borrwed | 1 |
0%
|
|
| not eligible | 1 |
0%
|
|
| not permitted to borrow | 1 |
0%
|
|
| not trusted by family and friends | 1 |
0%
|
|
| note applicable | 1 |
0%
|
|
| nothing | 20 |
0.4%
|
|
| nowhere | 7 |
0.1%
|
|
| only option he had | 1 |
0%
|
|
| only option i had | 1 |
0%
|
|
| only option known and suitable | 1 |
0%
|
|
| only people who can lend me | 1 |
0%
|
|
| ono borrowed | 1 |
0%
|
|
| parents pay my expenses | 1 |
0%
|
|
| pay for fertiliser | 1 |
0%
|
|
| pay for rent and food | 1 |
0%
|
|
| pay for school | 1 |
0%
|
|
| pay for school fees | 1 |
0%
|
|
| pay school fees | 2 |
0%
|
|
| paying to cooperative | 1 |
0%
|
|
| payment for tablet repairs | 1 |
0%
|
|
| people dont give money | 1 |
0%
|
|
| personal reason | 1 |
0%
|
|
| personal use | 1 |
0%
|
|
| poverty | 1 |
0%
|
|
| prevents problems | 1 |
0%
|
|
| regular eexpenses | 1 |
0%
|
|
| regular expenses | 1 |
0%
|
|
| resdondant did not borrow | 1 |
0%
|
|
| respondent did not borrow | 3 |
0.1%
|
|
| respondent did not borrow any money | 1 |
0%
|
|
| respondent didnt borrow | 10 |
0.2%
|
|
| respondent manage what he has | 1 |
0%
|
|
| respondent never borrowed money | 7 |
0.1%
|
|
| respondent wanted to buy a belt | 1 |
0%
|
|
| respondent wanted to buy seed | 1 |
0%
|
|
| scared | 1 |
0%
|
|
| scared of borrowing money | 1 |
0%
|
|
| scared to borrow money | 1 |
0%
|
|
| school feels | 1 |
0%
|
|
| school fees | 3 |
0.1%
|
|
| she did not borrow any money from someone. | 1 |
0%
|
|
| she did not borrow any money from someone | 1 |
0%
|
|
| she did not borrow any money from someone. | 15 |
0.3%
|
|
| she did not borrow from anyone | 2 |
0%
|
|
| she didnt borrow | 1 |
0%
|
|
| she didnt borrow,its not applicable | 1 |
0%
|
|
| she does borrow | 1 |
0%
|
|
| she does not believe in borrowing | 1 |
0%
|
|
| she doesnt borrow | 1 |
0%
|
|
| she dosent borrow | 1 |
0%
|
|
| she has never borrowed money | 1 |
0%
|
|
| she has not borrowed | 1 |
0%
|
|
| she hasnt borrowed | 1 |
0%
|
|
| she is pupil | 1 |
0%
|
|
| she is the only one who has money that time | 1 |
0%
|
|
| sickness | 1 |
0%
|
|
| skip not working | 1 |
0%
|
|
| sufering | 1 |
0%
|
|
| survived within her means | 1 |
0%
|
|
| talk time | 1 |
0%
|
|
| the are understanding | 1 |
0%
|
|
| the respondant does not borrow | 1 |
0%
|
|
| the respondent did borrow | 1 |
0%
|
|
| the respondent did not borrow | 1 |
0%
|
|
| the respondent didnt borrow | 2 |
0%
|
|
| the respondent didnt borrow any money | 1 |
0%
|
|
| the respondent didnt borrow in the last 12 months | 1 |
0%
|
|
| there was no interest to be paid | 1 |
0%
|
|
| there was no need to borrow | 1 |
0%
|
|
| they agreed to give me, while the others refused | 1 |
0%
|
|
| they are the ones who where accepting | 1 |
0%
|
|
| they are the only once who could | 1 |
0%
|
|
| they cannot take me to jail if i fail to pay back | 1 |
0%
|
|
| they do rifus to borrew me money | 1 |
0%
|
|
| they were willing to lend me | 1 |
0%
|
|
| to buy farming inputs | 1 |
0%
|
|
| to buy fertiliser | 1 |
0%
|
|
| to buy fertilizer | 1 |
0%
|
|
| to buy food | 2 |
0%
|
|
| to buy food stuff | 1 |
0%
|
|
| to buy household goods | 1 |
0%
|
|
| to buy iron sheets | 1 |
0%
|
|
| to buy maize | 1 |
0%
|
|
| to buy maize for food | 1 |
0%
|
|
| to buy saop for both wasshing and bathing | 1 |
0%
|
|
| to buy something | 1 |
0%
|
|
| to help with expenses | 1 |
0%
|
|
| to improve on the business | 1 |
0%
|
|
| to pay for my rent | 1 |
0%
|
|
| to pay school fees for the children | 1 |
0%
|
|
| to start beer brewing and fishing | 1 |
0%
|
|
| to start building my house | 1 |
0%
|
|
| to start up a business | 1 |
0%
|
|
| to visit family | 1 |
0%
|
|
| tranaport money for my grandson from board school | 1 |
0%
|
|
| transport | 2 |
0%
|
|
| transport for my child | 1 |
0%
|
|
| transport to take my baby to hospitol | 1 |
0%
|
|
| trasport | 1 |
0%
|
|
| tuition fees | 1 |
0%
|
|
| urgent problem | 1 |
0%
|
|
| urgently needed assistance without need to reimbur | 1 |
0%
|
|
| used to buy fertilize | 1 |
0%
|
|
| wanted to buy beer for selling | 1 |
0%
|
|
| wanted to buy farming imputs | 1 |
0%
|
|
| wanted to buy food | 1 |
0%
|
|
| wanted to buy pots | 1 |
0%
|
|
| wanted to buy soap | 1 |
0%
|
|
| wanted to buy wher to sleep | 1 |
0%
|
|
| wanted to finish my education | 1 |
0%
|
|
| wanted to pay my childs school feels | 1 |
0%
|
|
| we bought a land | 1 |
0%
|
|
| we have to | 1 |
0%
|
|
| wedding and building | 1 |
0%
|
|
| working at his farm | 1 |
0%
|
|
| worried how to pay back | 1 |
0%
|
|
| worried i will not be able to pay back | 1 |
0%
|
|
| worried i wont have money to pay back | 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.