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FinScope Zambia FinScope 2020 Survey
Fourth Edition

Zambia, 2020
Get Microdata
Reference ID
ZMB-ZSA-FINSCOPE-2020-V1.0
Producer(s)
Zambia Statistics Agency
Metadata
Documentation in PDF DDI/XML JSON
Created on
Aug 17, 2025
Last modified
Jan 16, 2026
Page views
8481
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  • Study Description
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  • 2020 Finscope
    data 7 July
    2022_anonymised

H.14_S. Specify the main reason you don't have it. (H14_S)

Data file: 2020 Finscope data 7 July 2022_anonymised

Overview

Valid: 707
Invalid: 0
Type: Discrete
Width: 150
Range: -
Format: character

Questions and instructions

Categories
Value Category Cases
"I dont gain enough money for insuarance ". 1
0.1%
"I dont have money yet". 1
0.1%
"actually he does not have money to save" 1
0.1%
AGED 1
0.1%
Aged and Patially blind 1
0.1%
CURRENTLY NOT WORKING 1
0.1%
Can an not afford 1
0.1%
Challenges 1
0.1%
DO NOT HAVE MONEY 1
0.1%
DO NOT HAVE MONEY AT THE MOMENT 1
0.1%
DO NOT KNOW SOMEONE TO GIVE ME ADVICE 1
0.1%
DON'T HAVE MONEY 1
0.1%
DON'T KNOW ANYTHING 1
0.1%
DONT HAVE GOODS 1
0.1%
DONT HAVE THE INCOME 1
0.1%
DONT KNOW ABOUT IT 1
0.1%
DONT KNOW ANYTHING 1
0.1%
DONT KNOW ANYTHING ABOUT IT 1
0.1%
DONT KNOW HOW IT WORKS 1
0.1%
Didnt have money to pay 1
0.1%
Do not know about 1
0.1%
Does not have an income 1
0.1%
Does not know where to get the services 1
0.1%
Does not understand insturance and what it is 1
0.1%
Doesn't just have 1
0.1%
Doesnt work 1
0.1%
Don't have a things to insure 1
0.1%
Don't have alot of assets 1
0.1%
Don't have money 1
0.1%
Don't know about it 1
0.1%
Don't pay attention 1
0.1%
Dont have moey 1
0.1%
Dont know 1
0.1%
Dont know what it is 1
0.1%
Dont konw 1
0.1%
Dont understand insurance 1
0.1%
Dont want 1
0.1%
HAS NO KNOWLEDGE OF INSURANCE 1
0.1%
HAS NOT PAID ATTENTION TO INSURANCE MATTERS 1
0.1%
HAVE NOTHING TO INSURE 2
0.3%
HAVENT YET BOUGHT A CAR 1
0.1%
Have no money to payout 1
0.1%
Have not taken time to try it. 1
0.1%
Have not thought about it 1
0.1%
He doesnt have any to insure 1
0.1%
I AM STILL AT SCHOOL AND I DEPEND ON KY PARENTS 1
0.1%
I DO NOT HAVE MONEY 1
0.1%
I DONT HAVE A JOB OR MONEY 1
0.1%
I DONT HAVE ANY 1
0.1%
I DONT HAVE ANY MONEY 1
0.1%
I DONT HAVE ANYTHING TO ENSURE 1
0.1%
I DONT HAVE ANYTHING TO INSURE 1
0.1%
I DONT HAVE THE REQUREMENTS 1
0.1%
I DONT KNOW 1
0.1%
I DONT KNOW ANYTHING ABOUT IT 1
0.1%
I DONT KNOW IT 2
0.3%
I DONT KNOW WHAT IT IS 1
0.1%
I DONT WANT TO 1
0.1%
I DONT WORK 1
0.1%
I DONT YAVE ANYTHING TO INSURE 1
0.1%
I HAVE KNO MONEY 1
0.1%
I HAVE NEVER THOUGHT OF THAT BEFORE 1
0.1%
I HAVE NO IDEA ABOUT IT 1
0.1%
I HAVE NO MONEY 1
0.1%
I HAVE NOTHING AND NO MONEY TO INSURE 1
0.1%
I HAVE NOTHING TO INSURE 4
0.6%
I WAS NOT READY TO HAVE IT ,BUT IAM READY 1
0.1%
I am old and I have insufficient knowledge 1
0.1%
I am poor 1
0.1%
I do not have any assert that i can insure 1
0.1%
I do not have anything i feel i should insure 1
0.1%
I don't have anything to insure 1
0.1%
I don't know how insurance work. 1
0.1%
I dont have anything to insure 1
0.1%
I dont have big assets to insure 1
0.1%
I dont know about it 1
0.1%
I dont work 1
0.1%
I earn less 1
0.1%
I have intentions to start 1
0.1%
I have no Job 1
0.1%
I will do so when I'll regular income of my own 1
0.1%
IAM NOT READY AT THE MOMENT 1
0.1%
IS NOT IN FORMAL EMPLOYMENT 1
0.1%
ITS FOR PEOPLE IN TOWN 1
0.1%
Im a pupil 1
0.1%
JUST DON'T WANT 1
0.1%
LACK OF MONEY 1
0.1%
LESS INCOME AS AT THE MOMENT 1
0.1%
MY EMPLOYER HAS NOT REGISTERED ME 1
0.1%
NEVER IN MY MIND 1
0.1%
NEVER THOUGHT ABOUT IT 1
0.1%
NO INCOME 1
0.1%
NO INTEREST 1
0.1%
NO MONEY 9
1.3%
NO MONEY FOR SUCH SERVICES 1
0.1%
NO MONEY TO PAY FOR IT AS AT NOW 1
0.1%
NO NEED 1
0.1%
NO REASON 1
0.1%
NO SPECIFIC REASON 1
0.1%
NOT APPLICABLE 1
0.1%
NOT ENOUGH MONEY 1
0.1%
NOT INTRESTED 1
0.1%
NOT INVOLVED AT ALL 1
0.1%
NOT WORKING 1
0.1%
NOTHING 1
0.1%
NOTHING TO INSURE 2
0.3%
NOTHING TO INSURE AND NO MONEY 1
0.1%
Never heard of it 2
0.3%
No Income 1
0.1%
No big asserts 1
0.1%
No enough money 1
0.1%
No idea 1
0.1%
No idea whats this is! 1
0.1%
No income 1
0.1%
No income yet 1
0.1%
No money for premium 1
0.1%
No money to subscribe to the insurance company 1
0.1%
No proper income 3
0.4%
No reason 1
0.1%
No specific reason 2
0.3%
No steady income 1
0.1%
Not in employment 1
0.1%
Not in formal employement yet 1
0.1%
Nothing to Insure 1
0.1%
OLD AGE 1
0.1%
RESPONDENT DOESNT KNOW ABOUT INSURANCE. 1
0.1%
RESPONDENT DOESNT KNOW IT 1
0.1%
Receive the service through spouce 1
0.1%
Respondant is not employed. 1
0.1%
Respondent does not know what insurance is 1
0.1%
SALARY WENT SO NO CAR INSURANCE 1
0.1%
STILL A SCHOOL GIRL 1
0.1%
Stil in school, no income coming 1
0.1%
Still at school 1
0.1%
Still young 1
0.1%
Too far 1
0.1%
Unemployed 1
0.1%
afraid 1
0.1%
agents dont visit the area 1
0.1%
already retired not in employment 1
0.1%
am in the process 1
0.1%
am not employed 1
0.1%
am not ready to have one 1
0.1%
am still in school 1
0.1%
am still young( still in school) 1
0.1%
am yet to acquire enough knowlege about it 1
0.1%
because of money and stay in the village 1
0.1%
because this is not our own house 1
0.1%
becouse they pey out let the money when this need 1
0.1%
being afraid thinking its. for rich people 1
0.1%
cant access their offices because of distance 1
0.1%
cant afford 5
0.7%
cant afford and dont know how it works 1
0.1%
cant afford it 2
0.3%
companies are too far 1
0.1%
costly 1
0.1%
dependant 1
0.1%
did not have money 1
0.1%
distance from insurance companies 1
0.1%
do not have an income 1
0.1%
do not have anything to insure 1
0.1%
do not have money 6
0.8%
do not have property to insure 1
0.1%
do not have things worth insuring 1
0.1%
do not know 2
0.3%
do not know about 1
0.1%
do not know about it 2
0.3%
do not know the product 1
0.1%
do not work 2
0.3%
do want it 1
0.1%
doe not have things worth insuring 1
0.1%
doent know what insurance is all about 1
0.1%
does have a property to insure 1
0.1%
does not care to have it at the moment 1
0.1%
does not have any to insure 1
0.1%
does not have anything to insure 3
0.4%
does not have anything tp insure 1
0.1%
does not have property to insure 1
0.1%
does not have something worth insuring 1
0.1%
does not have things worth insuring 1
0.1%
does not know how to go about it 1
0.1%
does not need it at the moment 1
0.1%
does not really understand it 1
0.1%
does not work 1
0.1%
doesn't have enough money at the moment. 1
0.1%
doesn't have money 1
0.1%
doesn't have properties to insure 2
0.3%
doesnt feel like his assests are worth insuring 1
0.1%
doesnt have something to insure yet 1
0.1%
doesnt have the money 1
0.1%
doesnt know 1
0.1%
doesnt know how it works 1
0.1%
doesnt want it 1
0.1%
don not know 1
0.1%
don't feel the need for it 1
0.1%
don't have anything or asset to insure 1
0.1%
don't have enough money 1
0.1%
don't have money 1
0.1%
don't have the money 1
0.1%
don't have things to insure 1
0.1%
don't know 1
0.1%
don't know about it 1
0.1%
don't know how it works 1
0.1%
don't know the meaning 1
0.1%
don't things to insure 1
0.1%
dont earn an income still in school 1
0.1%
dont have a property to insure 1
0.1%
dont have an insurance plan 1
0.1%
dont have anything to insure 1
0.1%
dont have anything yo insure 1
0.1%
dont have anytjing that needs to be insured 1
0.1%
dont have assets to insure 2
0.3%
dont have enough money 3
0.4%
dont have enough money or big assets 1
0.1%
dont have enough money to register 1
0.1%
dont have insuarance 1
0.1%
dont have it here 1
0.1%
dont have money 4
0.6%
dont have money and big assets to insure 1
0.1%
dont have money or assets 1
0.1%
dont have money or big assets to insure 1
0.1%
dont have money to buy a policy 1
0.1%
dont have money to save 1
0.1%
dont have money yo get an insurance 1
0.1%
dont have need for it 1
0.1%
dont have property to insure 2
0.3%
dont have stable income 1
0.1%
dont have things i would want to ensure 1
0.1%
dont have things to insure 1
0.1%
dont have valluable assets 1
0.1%
dont have valuable assets 1
0.1%
dont have valuable property to insure 1
0.1%
dont have variable asets to ensure yet 1
0.1%
dont kno 1
0.1%
dont know 5
0.7%
dont know about insuranse 1
0.1%
dont know anything about insurance 1
0.1%
dont know anything about it 1
0.1%
dont know insurance 1
0.1%
dont know it 3
0.4%
dont know much about it and dont have money for it 1
0.1%
dont know the meaning 1
0.1%
dont know what insurance is 1
0.1%
dont know where to find it and procedure 1
0.1%
dont need it 1
0.1%
dont pay attention 1
0.1%
dont think of it 1
0.1%
dont trust them 1
0.1%
dont want 2
0.3%
dont work 3
0.4%
due to illiness 1
0.1%
due to the house its not there property 1
0.1%
expensive 1
0.1%
feels assets arent valuable enough 1
0.1%
financial capacity cant allow 1
0.1%
for people working 1
0.1%
for you to access your you need to suffer 1
0.1%
friends and family are not insured 1
0.1%
has never just thought about it 1
0.1%
has no assets considered valuble 1
0.1%
has no job 1
0.1%
hasnt yet planned for it 1
0.1%
have got nothing to take there 1
0.1%
have no big assets to insure 1
0.1%
have no enough income 1
0.1%
have no enough money 1
0.1%
have no income 1
0.1%
have no money 2
0.3%
have no need 1
0.1%
have no reason 2
0.3%
have no things to secure 1
0.1%
have nothing to be insured 1
0.1%
have nothing to insure 8
1.1%
havent reached the level yet 1
0.1%
havent thought about it 1
0.1%
he does not know 1
0.1%
he does not yet started working. 1
0.1%
he has not heard about insurance 1
0.1%
head but doesn't know the meaning 1
0.1%
i am not a government worker 1
0.1%
i am not sure of their products that they offer 1
0.1%
i do not have money 1
0.1%
i do not know 1
0.1%
i do not know anything about insurance 1
0.1%
i don't assets to insura 1
0.1%
i don't have anything to insure 1
0.1%
i don't have money 5
0.7%
i don't have money for now i will stat soon 1
0.1%
i don't have money to join 1
0.1%
i don't have valuable assets 1
0.1%
i don't know 1
0.1%
i don't know about insurance 1
0.1%
i don't work 1
0.1%
i dont have 1
0.1%
i dont have an asset 1
0.1%
i dont have any personal property to insure 1
0.1%
i dont have any source of income 1
0.1%
i dont have anything i think is worth insuring 1
0.1%
i dont have formal employment 1
0.1%
i dont have means to pay for it 1
0.1%
i dont have money 2
0.3%
i dont have money still in school as a pupil 1
0.1%
i dont have money to access it 1
0.1%
i dont have money to buy it 1
0.1%
i dont have one 1
0.1%
i dont have what to insure 1
0.1%
i dont know 4
0.6%
i dont know insurance 1
0.1%
i dont know it 5
0.7%
i dont know the benefits 1
0.1%
i dont know them 1
0.1%
i dont know what it is 1
0.1%
i dont know where the offices are 1
0.1%
i dont qualify 1
0.1%
i dont something to insure 1
0.1%
i dont think i qualify 1
0.1%
i dont understand them 1
0.1%
i dont want any 1
0.1%
i dont want it 1
0.1%
i dont work 1
0.1%
i dont work and its a village nothing to insure 1
0.1%
i have never paid attention to it 1
0.1%
i have never paid attention to think about it 1
0.1%
i have no income 1
0.1%
i have no reason 1
0.1%
i have not yet put it in mind 1
0.1%
i have nothing to insure 1
0.1%
i have nothing worth ensuring 1
0.1%
i havent joined 1
0.1%
i heard but forgot what it is 1
0.1%
i just dont want 2
0.3%
i think its for government workers 1
0.1%
im insured 1
0.1%
im still young 1
0.1%
in the process of getting it 1
0.1%
inaccessible were we stay 1
0.1%
insufficient knowledge about them 1
0.1%
insurance companies are far and no knowledge about 1
0.1%
interest 1
0.1%
is not insured 1
0.1%
is yet yo get a policy 1
0.1%
isn't employed 1
0.1%
it is expensive 1
0.1%
it is far away from my village 1
0.1%
it is too far 1
0.1%
it not yet time for me to have insurance 1
0.1%
its expensive 2
0.3%
its far away 1
0.1%
its for rich people 1
0.1%
its for the rich people 1
0.1%
its just time i ll have it 1
0.1%
its too fair 1
0.1%
its too far 1
0.1%
just dont want to 1
0.1%
l don't have assets 1
0.1%
l don't understand 1
0.1%
l dont have enough money 1
0.1%
l dont have money 1
0.1%
l dont have money to pay for any insurance 1
0.1%
l dont have plans for thay 1
0.1%
l have just learn 1
0.1%
lack of formal employment 1
0.1%
lack of income 1
0.1%
lack of knowledge 1
0.1%
lacky of finances 1
0.1%
long procedures 1
0.1%
low income 1
0.1%
luck of money 1
0.1%
might not gain anything from them 1
0.1%
my husband has one 1
0.1%
never bothered to join 1
0.1%
never head 2
0.3%
never hear about it 1
0.1%
never heard 3
0.4%
never heard and cant afford 1
0.1%
never heard it 1
0.1%
never heard of insurance 1
0.1%
never heard of it 2
0.3%
never thought about it 1
0.1%
never thought it 1
0.1%
never thought of having one despite knowing it 1
0.1%
never thought of it 3
0.4%
never tried 1
0.1%
nit interested 1
0.1%
no assests to insure 1
0.1%
no assets 1
0.1%
no assets to insure 1
0.1%
no broker nearby 1
0.1%
no car yet 1
0.1%
no enough money 1
0.1%
no enough money for insurance 1
0.1%
no finances 1
0.1%
no fixed job 1
0.1%
no formal employment 1
0.1%
no goods to insure 1
0.1%
no idea 1
0.1%
no idear 1
0.1%
no idear about it 1
0.1%
no income 1
0.1%
no income too much on her plate to spare something 1
0.1%
no insurance company near by 1
0.1%
no insurance near 1
0.1%
no interest 1
0.1%
no money 12
1.7%
no money for insurance 1
0.1%
no money to start paying 1
0.1%
no money to take there 2
0.3%
no nearby facility 1
0.1%
no need for it 1
0.1%
no need for such 1
0.1%
no personal assets 1
0.1%
no property to issure 1
0.1%
no reason 17
2.4%
no reason plans to do it later 1
0.1%
no specific reason 11
1.6%
no stable income currently 1
0.1%
no such offers here 1
0.1%
none 17
2.4%
northing worth insuring 1
0.1%
not aplicable 1
0.1%
not applicable 25
3.5%
not application 1
0.1%
not aware 1
0.1%
not decided 1
0.1%
not decided yet 1
0.1%
not employed 2
0.3%
not enogh. money 1
0.1%
not enough funds at the moment 1
0.1%
not exposed to information 1
0.1%
not financially stable 2
0.3%
not have 1
0.1%
not have capacity 1
0.1%
not having enough money 1
0.1%
not here 1
0.1%
not important 1
0.1%
not in employment 1
0.1%
not in formal employment 1
0.1%
not interested 6
0.8%
not intrested 1
0.1%
not know insurance 1
0.1%
not knowledgeable 1
0.1%
not now 1
0.1%
not prepared 1
0.1%
not ready 2
0.3%
not working 5
0.7%
not yet decided 1
0.1%
not yet interested to join 1
0.1%
not yet old enough 1
0.1%
not yet planned for it 1
0.1%
nothing 27
3.8%
nothing insurable 1
0.1%
nothing to insure 4
0.6%
nothing to lnsure 1
0.1%
nothing to save 1
0.1%
old age 1
0.1%
plan to have 1
0.1%
planning to have 1
0.1%
planning to have one 1
0.1%
planning to have one soon 1
0.1%
planning too soon 1
0.1%
plans to have eventually 1
0.1%
poverty 1
0.1%
processes if registration 1
0.1%
providers are far away 1
0.1%
respondant does not have valuable assets to insure 1
0.1%
senstaziation 1
0.1%
she does have money and too old. 1
0.1%
she doesn't know 1
0.1%
she doesnt want 1
0.1%
she will have when she completes school 1
0.1%
sill in school 1
0.1%
so not need it right now 1
0.1%
soon 1
0.1%
soon will have 1
0.1%
still a child 1
0.1%
still at school 2
0.3%
still attending school and does not know hoit work 1
0.1%
still in school 2
0.3%
still in school, no income 1
0.1%
still schooling 2
0.3%
still young 3
0.4%
still young and at school 1
0.1%
student 2
0.3%
the insurance company closed 1
0.1%
the insurance companies are too far away 1
0.1%
the providers are far away 1
0.1%
there are no companies here 1
0.1%
there are no such institutions in this community 1
0.1%
they dont easily pay 1
0.1%
they dont have money to pay 1
0.1%
they only give those with cars 1
0.1%
thinhs are not okay 1
0.1%
thinking about it 1
0.1%
too demanding 1
0.1%
too young 1
0.1%
too young to have insurance and afford it 1
0.1%
very far from insurance agents 1
0.1%
waiting for the future 1
0.1%
wants to use it but has nothing valuable to ensure 1
0.1%
we dont have any insurance in my community 1
0.1%
we have where to do insurance 1
0.1%
when i start work i will register 1
0.1%
wouldn't be able to pay monthly premiums 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.
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