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
Created on
Jan 17, 2026
Last modified
Feb 26, 2026
Page views
17375
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AM06S What are some of the constraints challenges you encounter in accessing the market for this business' products/produce/services (AM06A_CHALLENGES_OTHER)
Data file: Business-Business_Level_21B_Anonymised
Overview
Valid:
161
Invalid:
0
Type:
Discrete
Width:
255
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| ACCESS TO RAW MATERIALS | 1 |
0.6%
|
|
| ADVERTISEMENT PLATFORM NOT WIDE | 1 |
0.6%
|
|
| Alot of spent especially when there are a lot o | 1 |
0.6%
|
|
| BEING CHASED BY THE BUYERS | 1 |
0.6%
|
|
| Business not doing too well | 1 |
0.6%
|
|
| COMPETITIVE PRICING | 1 |
0.6%
|
|
| Cash flow | 1 |
0.6%
|
|
| DELAYING IN SELLING PRODUCTS AT THE DEPOT | 1 |
0.6%
|
|
| Distance from the purchase points of the required | 1 |
0.6%
|
|
| ECONOMIC CHALLENGES FOR THE DISTRICT | 1 |
0.6%
|
|
| EXPERIENCING TOO MUCH SHORTAGES | 1 |
0.6%
|
|
| Econonomic hardships | 1 |
0.6%
|
|
| FEW CUSTOMERS | 3 |
1.9%
|
|
| FEW ORDERS FOR MILK | 1 |
0.6%
|
|
| Few Customers | 1 |
0.6%
|
|
| Fuel increments | 1 |
0.6%
|
|
| Governement policies on local supliers not good | 1 |
0.6%
|
|
| HIDING FROM AUTHORITIES | 1 |
0.6%
|
|
| High transportation costs. | 1 |
0.6%
|
|
| It's a seasonal business | 1 |
0.6%
|
|
| LESS TRANSACTIONS | 1 |
0.6%
|
|
| LOW CUSTOMER BASE | 1 |
0.6%
|
|
| LOW DEMAND ON PRODUCTS | 1 |
0.6%
|
|
| Lack of adequate fertilizer | 1 |
0.6%
|
|
| Lack of capital | 1 |
0.6%
|
|
| Lack of good will by the government to prioritise | 1 |
0.6%
|
|
| Lack of help in carrying utensils for the business | 1 |
0.6%
|
|
| Late payment by FRA | 1 |
0.6%
|
|
| Less Customer base | 1 |
0.6%
|
|
| Liquidity, business has been slow | 1 |
0.6%
|
|
| MOST PEOPLE NOT KNOWLEDGLE | 1 |
0.6%
|
|
| Most customers have shifted | 1 |
0.6%
|
|
| Movement in the rain season | 1 |
0.6%
|
|
| POLITICAL AFFLIATION | 1 |
0.6%
|
|
| REDUCTION IN NUMBER OF CUSTOMERS | 1 |
0.6%
|
|
| SHORTAGE OF SUPPLY FROM SUPPLIER | 1 |
0.6%
|
|
| Sales of Jerseys are seasonally | 1 |
0.6%
|
|
| Some customers fail to pay on time | 1 |
0.6%
|
|
| Sometimes bags may contain small particles/pieces | 1 |
0.6%
|
|
| TENANTS RUNS AWAY WITH MONEY FOR RENTALS | 1 |
0.6%
|
|
| THEFT OF MONEY BY WORKERS | 1 |
0.6%
|
|
| TOO MANY DOING MACHANIC | 1 |
0.6%
|
|
| TOO MUCH COMPETITION | 1 |
0.6%
|
|
| Tiredness walking around with merchandise | 1 |
0.6%
|
|
| Where to get spare parts from and modifying of spa | 1 |
0.6%
|
|
| a few know her place | 1 |
0.6%
|
|
| bad proruct some times | 1 |
0.6%
|
|
| bottlebreakages | 1 |
0.6%
|
|
| business is slow | 1 |
0.6%
|
|
| clients default | 1 |
0.6%
|
|
| clients dont payback on time | 1 |
0.6%
|
|
| creditors don't pay back on time | 1 |
0.6%
|
|
| customers do not have money for grinding | 1 |
0.6%
|
|
| customers have no money these days | 1 |
0.6%
|
|
| customers have not yet known my business | 1 |
0.6%
|
|
| customers have to cross the river | 1 |
0.6%
|
|
| customers holding on cash | 1 |
0.6%
|
|
| customers what at lower prices | 1 |
0.6%
|
|
| debtors take long to pay back credits | 1 |
0.6%
|
|
| debtors take long to pay back | 1 |
0.6%
|
|
| delay in getting product | 1 |
0.6%
|
|
| delay in paying back | 1 |
0.6%
|
|
| delay in payments by FRA | 1 |
0.6%
|
|
| delay payment by client | 1 |
0.6%
|
|
| delay payments from FRA, army worms | 1 |
0.6%
|
|
| delaying payment | 1 |
0.6%
|
|
| delayment in giving me money | 1 |
0.6%
|
|
| delayment in payments | 1 |
0.6%
|
|
| difficult to find milk | 1 |
0.6%
|
|
| difficult to sale as expected | 1 |
0.6%
|
|
| distance from the farm to home where the facility | 1 |
0.6%
|
|
| distance is too much from where its ordered | 1 |
0.6%
|
|
| don't get fuel as expected | 1 |
0.6%
|
|
| electrical connection | 1 |
0.6%
|
|
| fear of forest department | 1 |
0.6%
|
|
| feed and medication does not have | 1 |
0.6%
|
|
| fertilizer | 1 |
0.6%
|
|
| few customers | 1 |
0.6%
|
|
| finding customers to buy off the cabbages | 1 |
0.6%
|
|
| finding someone to sell | 1 |
0.6%
|
|
| flooding of the prduct on the market | 1 |
0.6%
|
|
| food reserve delay paying us | 1 |
0.6%
|
|
| harassment by council police | 1 |
0.6%
|
|
| he has to cross the stream | 1 |
0.6%
|
|
| high competition | 2 |
1.2%
|
|
| high cost of transportation | 1 |
0.6%
|
|
| high ordering prices for beer | 1 |
0.6%
|
|
| high transport costs | 1 |
0.6%
|
|
| if the baro have poor clothes | 1 |
0.6%
|
|
| inadequate capital | 1 |
0.6%
|
|
| labour | 1 |
0.6%
|
|
| lac | 1 |
0.6%
|
|
| lack of equipment | 1 |
0.6%
|
|
| lack of customers | 1 |
0.6%
|
|
| lack of electricity | 1 |
0.6%
|
|
| lack of enough capital | 1 |
0.6%
|
|
| lack of money | 1 |
0.6%
|
|
| lack of permanent shop , | 1 |
0.6%
|
|
| lack of resources | 1 |
0.6%
|
|
| lack of sponsors | 1 |
0.6%
|
|
| lack of trading space | 1 |
0.6%
|
|
| lack of trust from peoples as it was a new product | 1 |
0.6%
|
|
| lack of well managed drying facilities | 1 |
0.6%
|
|
| less customers | 1 |
0.6%
|
|
| less money to do more | 1 |
0.6%
|
|
| location of shop and stand | 1 |
0.6%
|
|
| long distance from source of fish | 1 |
0.6%
|
|
| long distance from the farm to FRA | 1 |
0.6%
|
|
| long distances where to buy the products | 1 |
0.6%
|
|
| loss of livestock as they are transported | 1 |
0.6%
|
|
| low demand due to low population Density | 1 |
0.6%
|
|
| low income to purchase fertilizer | 1 |
0.6%
|
|
| low profit due to low customer network | 1 |
0.6%
|
|
| luck of production matrials | 1 |
0.6%
|
|
| most customers have to cross the river | 1 |
0.6%
|
|
| motality detah high before selling | 1 |
0.6%
|
|
| much of the works goes to the people who can finan | 1 |
0.6%
|
|
| neighbours troubling on credits | 1 |
0.6%
|
|
| no challenge | 1 |
0.6%
|
|
| no challenged | 1 |
0.6%
|
|
| no electricity, where to order goods is very far | 1 |
0.6%
|
|
| no fertilizer and no adequate seeds | 1 |
0.6%
|
|
| no market during rain season | 1 |
0.6%
|
|
| no proper marketing place | 1 |
0.6%
|
|
| none | 2 |
1.2%
|
|
| not easy to find clients | 1 |
0.6%
|
|
| order price of fish is expensive | 1 |
0.6%
|
|
| paying they lend money to dont pay | 1 |
0.6%
|
|
| poor sales sometimes | 1 |
0.6%
|
|
| risky water transport | 1 |
0.6%
|
|
| stocking up with good alcoholic drinks | 1 |
0.6%
|
|
| the business is too competitive | 1 |
0.6%
|
|
| the freezits were damaged | 1 |
0.6%
|
|
| there was no money for chemicals | 1 |
0.6%
|
|
| too few customers | 1 |
0.6%
|
|
| too many contractors competition is high | 1 |
0.6%
|
|
| too many grocery shops | 1 |
0.6%
|
|
| too much competition | 1 |
0.6%
|
|
| too much movements | 1 |
0.6%
|
|
| too risky to transport charcoal on the lake | 1 |
0.6%
|
|
| transport | 5 |
3.1%
|
|
| transport costs is high, wait to long for the fra | 1 |
0.6%
|
|
| transportation is expensive | 1 |
0.6%
|
|
| transportation of material from place of purchase | 1 |
0.6%
|
|
| transporters are too expensive | 1 |
0.6%
|
|
| vehicles which are not registered also are allowed | 1 |
0.6%
|
|
| very few can aford to buy with cash | 1 |
0.6%
|
|
| waited for sometime days for the maize to be weigh | 1 |
0.6%
|
|
| wastage of the product when delayed to be bought | 1 |
0.6%
|
|
| water challenge | 1 |
0.6%
|
|
| water transport is risky when it's windy | 1 |
0.6%
|
|
| water transport is risky. | 1 |
0.6%
|
|
| where flour is purchased is very far | 1 |
0.6%
|
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.