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2022 Micro, Small and Medium Enterprise Finance Survey
First Edition

Zambia, 2022 - 2026
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Reference ID
ZMB-ZSA-MSME-2022-V1.0
Producer(s)
Zambia Statistics Agency, Bank of Zambia
Metadata
Documentation in PDF DDI/XML JSON
Created on
Jan 17, 2026
Last modified
Jan 19, 2026
Page views
5982
Downloads
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  • Study Description
  • Data Dictionary
  • Downloads
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  • Data files
  • Business-Business_Level_21B_Anonymised
  • MSME
    Households-DEMOGRAPHICS_9_anonymised
  • MSME
    Households-HH_CHARACTERISTICS_8_wealth_anonymised

Data file: Business-Business_Level_21B_Anonymised

The file contains data related to information on demographic and socio-economic characteristics of business owners such as sex, age, marital status, rural/urban segmentation, education and wealth

Cases: 4063
Variables: 513

Variables

BCL01_CLOSE_DOWN
In the last five years, did any of your business' activities. Close Down
BCL02_SPECIFY
If yes, what are some of the reasons your business(es) closed
BCL02_OTHER_SPECIFY
BCL02 What are some of the reasons your business (es) closed
PROCEED_2_BUSINESSES
Proceed to Business Interview
business_numbers
AF01_WHY_NOT_APPLIED_NEW
AF01_Reason_High_Interest
AF01_Reason_No_Downpayment
AF01_Reason_No_Documentation
AF01_Reason_No_Business_Plan
AF01_Reason_No_Audited_Statement
AF01_Reason_No_Security
AF01_Reason_Low_Income
AF01_Reason_Indebtedness
AF01_Reason_No_Financial_History
AF01_Reason_Negative_Credit_Hist
AF01_Reason_Unsuitable_Loan_Prod
AF01_Reason_Complicated_Applicat
AF01_Reason_Not_Registered
AF01_Reason_Not_needed
AF01_Reason_Dont_Know
AF01_Reason_Other_Specify
S06_check
s07_check
s07b_check
s09_check
S06_Paper
S06_Ledger_Book
S06_Receipts_Slips
S06_Computer_special_software
S06_Computer_other_software
S06_Other
BC02_Lack_skills_knowledge
BC02_Lack_skilled_workers
BC02_Lack_finance_access
BC02_Land_inaccessibility
BC02_Lack_office_space
BC02_Lack_equipment_materials
BC02_Poor_connectivity
BC02_Delayed_electricity_connect
BC02_Eratic_electricity_supply
BC02_Delayed_water_connectivity
BC02_Eratic_water_supply
BC02_Poor_roads
BC02_Long_licencing_permits_proc
BC02_Too_many_licencing_permits
BC02_Costly_licencing_permits
BC02_High_compliance_costs
BC02_Corruption
BC02_Crime_theft_disorder
BC02_High_credit_interest
BC02_No_market
BC02_No_problems
BC02_Other_specify
BC03_High_electricity_cost
BC03_High_fuel_cost
BC03_High_input_costs
BC03_Inaccessible_inputs
BC03_Difficulties_obtaining_cred
BC03_Alternative_power_lack
BC03_Inaccessible_capital
BC03_Power_interrupton
BC03_High_taxes
BC03_Interference_from_authoriti
BC03_Covid_19_restrictions
BC03_High_rental_costs
BC03_Difficulties_obtaining_expo
BC03_Lack_of_storage_facilities
BC03_Lack_of_skilled_workforce
BC03_Poor_connectivity
BC03_Delayed_payments_by_debtors
BC03_Climate_change
BC03_Unstable_exchage_rates
BC03_Policy_inconsistency
BC03_Other_specify
BC03_Not_stated
AST01_Asset1_Holder
AST01B_01_Agricultural_Equipment
AST01B_02_Bakery_Appliances
AST01B_03_Bakery_Utensils
AST01B_04_Baking_appliances
AST01B_05_Brewing_Utensil
AST01B_06_Bricklaying_equipment
AST01B_07_Building
AST01B_08_Carpentry_equipment
AST01B_09_Catering_Utensils
AST01B_10_Cleaning_equipment
AST01B_11_Construction_equipment
AST01B_12_Cooking_Utensils
AST01B_13_Electrical_Accessories
AST01B_14_Electrical_appliance
AST01B_15_Electronics_repair_equ
AST01B_16_Fishing_equipment
AST01B_17_Fixtures_and_Fittings
AST01B_18_Food_Preparation_appli
AST01B_19_Food_Preparation_Equip
AST01B_20_Food_processing_machin
AST01B_21_Furniture
AST01B_22_Hairdressing_and_other
AST01B_23_Hairdressing_and_other
AST01B_24_ICT_Equipment
AST01B_25_Kitchen_appliances
AST01B_26_Kitchen_Utensils
AST01B_27_Land
AST01B_28_Livestock
AST01B_29_Mannequin
AST01B_30_Measuring_tools
AST01B_31_Mechanic_tools
AST01B_32_Metal_fabrication_equi
AST01B_33_Motor_Bike
AST01B_34_Motor_Vehicle
AST01B_35_Music_sound_and_entert
AST01B_36_None
AST01B_37_Non_motorised_vehicle
AST01B_38_Office_equipment
AST01B_39_Other
AST01B_40_Other_Plant_Machinery_
AST01B_41_Packaging_material
AST01B_42_Photography_equipment
AST01B_43_Piggery_House
AST01B_44_Poultry_house
AST01B_45_Power_supply_equipment
AST01B_46_Recreation_equipment
AST01B_47_Refrigeration_applianc
AST01B_48_Stationery
AST01B_49_Stock
AST01B_50_Storage_containers
AST01B_51_Storage_facilities
AST01B_52_Tailoring_equipment
AST01B_53_Temporal_structure
AST01B_54_Transportation_equipme
AST01B_55_Water_transport_vessel
AST01_Asset2_Holder
AST01_Asset3_Holder
AST01_Asset4_Holder
AST01_Asset5_Holder
AST01_Asset6_Holder
AST01_Asset7_Holder
AST01_Asset8_Holder
AST01_Asset9_Holder
AST01_Asset10_Holder
AST01_Asset11_Holder
S04_HOW_MUCH_START_UP_CAPITAL_CA
BCL02_Too_few_customers
BCL02_Too_many_competitors
BCL02_Lack_of_operating_funds
BCL02_Lack_of_inputs_or_raw_mate
BCL02_Legal_problems
BCL02_Started_another_business_a
BCL02_Lack_of_skilled_workforce
BCL02_Business_debts
BCL02_Increasing_operating_costs
BCL02_Other
BCL02_Due_to_Covid
BCL02_Due_to_illness_incapacitat
BCL02_Loss_due_to_disaster_or_ot
BCL02_Moved_to_another_place_rel
AF12_High_Interest_rate
AF12_Dont_have_down_payment
AF12_No_right_documentation
AF12_Lack_of_business_plan_propo
AF12_Lacked_audited_financial_st
AF12_No_security_collateral
AF12_Income_too_low
AF12_Too_much_debt
AF12_No_financial_history
AF12_Negative_credit_history
AF12_No_suitable_loan_product
AF12_Complicated_Application_Pro
AF12_Business_not_registered_at_
AF12_Dont_know
AF12_Other_specify_recode
AST02_03_LAND_BUILDING
AST02_03_LAND_BUILDING_TITLE_BN
AF14_WAIT_DAYS_RECODE
Application Approval Period
CC02_Closed_temporarily
CC02_Reduced_operating_hours
CC02_Increased_operating_hours
CC02_Reduced_Sales
CC02_Increased_sales
CC02_Difficulties_getting_raw_ma
CC02_Difficulties_delivering_pro
CC02_Increased_use_of_technology
CC02_Change_in_line_of_business
CC02_Change_in_business_model
CC02_Cost_of_operations
CC02_Loss_of_labour
CC02_Other_specify
CC04_Loss_of_crops
CC04_Loss_of_livestock
CC04_Loss_of_inventory
CC04_Loss_of_business
CC04_Rise_in_cost_of_production
CC04_Destruction_to_business_pre
CC04_Disruptions_in_supply_chain
CC04_Delay_in_accessing_inputs
CC04_Loss_of_revenue
CC04_Load_shedding
CC04_Employed_Alternative
CC05_Claimed_Insurance
CC05_Cut_down_expenses
CC05_Used_retained_earnings_savi
CC05_Relied_on_money_from_family
CC05_Missed_a_loan_repayment
CC05_Borrowed_money_from_a_bank
CC05_Borrowed_money_from_non_ban
CC05_Borrowed_money_from_Savings
CC05_Borrowed_money_from_money_l
CC05_Sold_something_to_get_money
CC05_Government_assistance
CC05_Received_assistance_from_NG
CC05_Did_nothing
CC05_Other_specify
Total: 513
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