2022 Micro, Small and Medium Enterprise Finance Survey
First Edition
Zambia, 2022 - 2026
Get Microdata
Reference ID
ZMB-ZSA-MSME-2022-V1.0
Producer(s)
Zambia Statistics Agency, Bank of Zambia
Metadata
Created on
Jan 17, 2026
Last modified
Jan 19, 2026
Page views
5997
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18
BC02 What were the challenges that you faced when setting up this business? (BC02_CHALLENGES_FACED)
Data file: Business-Business_Level_21B_Anonymised
Overview
Valid:
1967
Invalid:
0
Type:
Discrete
Width:
76
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| A | 87 |
4.4%
|
|
| AB | 10 |
0.5%
|
|
| ABC | 14 |
0.7%
|
|
| ABCD | 1 |
0.1%
|
|
| ABCDE | 1 |
0.1%
|
|
| ABCE | 1 |
0.1%
|
|
| ABCEF | 1 |
0.1%
|
|
| ABCF | 3 |
0.2%
|
|
| ABCFG | 1 |
0.1%
|
|
| ABCFK | 1 |
0.1%
|
|
| ABCFV | 1 |
0.1%
|
|
| ABCJ | 1 |
0.1%
|
|
| ABCV | 5 |
0.3%
|
|
| ABDFIV | 1 |
0.1%
|
|
| ABE | 1 |
0.1%
|
|
| ABEF | 1 |
0.1%
|
|
| ABEKLTU | 1 |
0.1%
|
|
| ABJ | 2 |
0.1%
|
|
| ABK | 1 |
0.1%
|
|
| ABKLT | 1 |
0.1%
|
|
| ABKTV | 1 |
0.1%
|
|
| ABN | 1 |
0.1%
|
|
| ABV | 2 |
0.1%
|
|
| AC | 145 |
7.4%
|
|
| ACD | 6 |
0.3%
|
|
| ACDF | 1 |
0.1%
|
|
| ACDFJ | 1 |
0.1%
|
|
| ACDFV | 1 |
0.1%
|
|
| ACDJ | 1 |
0.1%
|
|
| ACDJV | 1 |
0.1%
|
|
| ACE | 14 |
0.7%
|
|
| ACEF | 2 |
0.1%
|
|
| ACEK | 1 |
0.1%
|
|
| ACENV | 1 |
0.1%
|
|
| ACEQ | 1 |
0.1%
|
|
| ACET | 1 |
0.1%
|
|
| ACF | 14 |
0.7%
|
|
| ACFJ | 2 |
0.1%
|
|
| ACFJV | 6 |
0.3%
|
|
| ACFLT | 1 |
0.1%
|
|
| ACFN | 2 |
0.1%
|
|
| ACFV | 3 |
0.2%
|
|
| ACG | 1 |
0.1%
|
|
| ACH | 2 |
0.1%
|
|
| ACI | 1 |
0.1%
|
|
| ACIJ | 1 |
0.1%
|
|
| ACJ | 10 |
0.5%
|
|
| ACJL | 1 |
0.1%
|
|
| ACJM | 1 |
0.1%
|
|
| ACJN | 1 |
0.1%
|
|
| ACJTNV | 1 |
0.1%
|
|
| ACJV | 8 |
0.4%
|
|
| ACKM | 1 |
0.1%
|
|
| ACL | 1 |
0.1%
|
|
| ACMN | 1 |
0.1%
|
|
| ACN | 8 |
0.4%
|
|
| ACNV | 2 |
0.1%
|
|
| ACOV | 1 |
0.1%
|
|
| ACQ | 3 |
0.2%
|
|
| ACR | 1 |
0.1%
|
|
| ACRLT | 1 |
0.1%
|
|
| ACRT | 1 |
0.1%
|
|
| ACT | 3 |
0.2%
|
|
| ACTV | 1 |
0.1%
|
|
| ACU | 1 |
0.1%
|
|
| ACV | 23 |
1.2%
|
|
| AD | 3 |
0.2%
|
|
| ADE | 2 |
0.1%
|
|
| ADF | 1 |
0.1%
|
|
| ADFJV | 1 |
0.1%
|
|
| ADJ | 1 |
0.1%
|
|
| ADUO | 1 |
0.1%
|
|
| AE | 14 |
0.7%
|
|
| AEF | 4 |
0.2%
|
|
| AEFJLT | 1 |
0.1%
|
|
| AEFV | 1 |
0.1%
|
|
| AEJV | 1 |
0.1%
|
|
| AENV | 1 |
0.1%
|
|
| AER | 1 |
0.1%
|
|
| AET | 1 |
0.1%
|
|
| AF | 12 |
0.6%
|
|
| AFGV | 1 |
0.1%
|
|
| AFJV | 1 |
0.1%
|
|
| AFR | 1 |
0.1%
|
|
| AFV | 1 |
0.1%
|
|
| AI | 1 |
0.1%
|
|
| AIV | 1 |
0.1%
|
|
| AJ | 20 |
1%
|
|
| AJN | 1 |
0.1%
|
|
| AJNV | 1 |
0.1%
|
|
| AJV | 2 |
0.1%
|
|
| AK | 1 |
0.1%
|
|
| AKLT | 1 |
0.1%
|
|
| AMNV | 1 |
0.1%
|
|
| AN | 4 |
0.2%
|
|
| ANV | 2 |
0.1%
|
|
| AQ | 3 |
0.2%
|
|
| AR | 1 |
0.1%
|
|
| ASJ | 1 |
0.1%
|
|
| AU | 1 |
0.1%
|
|
| AUNV | 1 |
0.1%
|
|
| AV | 25 |
1.3%
|
|
| B | 8 |
0.4%
|
|
| BC | 7 |
0.4%
|
|
| BCD | 1 |
0.1%
|
|
| BCDE | 2 |
0.1%
|
|
| BCDJ | 2 |
0.1%
|
|
| BCE | 1 |
0.1%
|
|
| BCEJ | 1 |
0.1%
|
|
| BCEKLT | 1 |
0.1%
|
|
| BCEKT | 1 |
0.1%
|
|
| BCEQ | 1 |
0.1%
|
|
| BCF | 2 |
0.1%
|
|
| BCJ | 1 |
0.1%
|
|
| BCJL | 1 |
0.1%
|
|
| BCN | 1 |
0.1%
|
|
| BCQ | 1 |
0.1%
|
|
| BCT | 1 |
0.1%
|
|
| BCV | 2 |
0.1%
|
|
| BDJ | 1 |
0.1%
|
|
| BDT | 1 |
0.1%
|
|
| BE | 4 |
0.2%
|
|
| BEF | 1 |
0.1%
|
|
| BEK | 1 |
0.1%
|
|
| BEL | 1 |
0.1%
|
|
| BF | 2 |
0.1%
|
|
| BFO | 1 |
0.1%
|
|
| BFV | 1 |
0.1%
|
|
| BIJ | 1 |
0.1%
|
|
| BIU | 1 |
0.1%
|
|
| BJN | 1 |
0.1%
|
|
| BLMV | 1 |
0.1%
|
|
| BN | 2 |
0.1%
|
|
| BO | 1 |
0.1%
|
|
| BV | 3 |
0.2%
|
|
| C | 601 |
30.6%
|
|
| CD | 43 |
2.2%
|
|
| CDE | 4 |
0.2%
|
|
| CDEFJ | 1 |
0.1%
|
|
| CDEJ | 1 |
0.1%
|
|
| CDF | 4 |
0.2%
|
|
| CDJ | 2 |
0.1%
|
|
| CDV | 2 |
0.1%
|
|
| CE | 82 |
4.2%
|
|
| CEF | 6 |
0.3%
|
|
| CEFRJN | 1 |
0.1%
|
|
| CEGJO | 1 |
0.1%
|
|
| CEH | 1 |
0.1%
|
|
| CEIJ | 1 |
0.1%
|
|
| CEJ | 3 |
0.2%
|
|
| CEJV | 1 |
0.1%
|
|
| CEK | 1 |
0.1%
|
|
| CEKOV | 1 |
0.1%
|
|
| CEN | 3 |
0.2%
|
|
| CEUV | 1 |
0.1%
|
|
| CEV | 4 |
0.2%
|
|
| CF | 29 |
1.5%
|
|
| CFG | 1 |
0.1%
|
|
| CFH | 1 |
0.1%
|
|
| CFIJ | 1 |
0.1%
|
|
| CFJ | 3 |
0.2%
|
|
| CFJN | 1 |
0.1%
|
|
| CFJV | 4 |
0.2%
|
|
| CFL | 1 |
0.1%
|
|
| CFNV | 1 |
0.1%
|
|
| CFO | 1 |
0.1%
|
|
| CFQ | 1 |
0.1%
|
|
| CFV | 4 |
0.2%
|
|
| CG | 4 |
0.2%
|
|
| CGJ | 1 |
0.1%
|
|
| CH | 1 |
0.1%
|
|
| CHJ | 1 |
0.1%
|
|
| CI | 3 |
0.2%
|
|
| CJ | 53 |
2.7%
|
|
| CJLT | 1 |
0.1%
|
|
| CJM | 1 |
0.1%
|
|
| CJN | 2 |
0.1%
|
|
| CJO | 1 |
0.1%
|
|
| CJV | 3 |
0.2%
|
|
| CK | 2 |
0.1%
|
|
| CKLM | 1 |
0.1%
|
|
| CKLOV | 1 |
0.1%
|
|
| CKLQ | 1 |
0.1%
|
|
| CKO | 1 |
0.1%
|
|
| CL | 3 |
0.2%
|
|
| CLT | 1 |
0.1%
|
|
| CM | 1 |
0.1%
|
|
| CMN | 1 |
0.1%
|
|
| CMO | 1 |
0.1%
|
|
| CN | 22 |
1.1%
|
|
| CNO | 1 |
0.1%
|
|
| CNV | 3 |
0.2%
|
|
| CO | 5 |
0.3%
|
|
| COV | 1 |
0.1%
|
|
| CQ | 14 |
0.7%
|
|
| CR | 1 |
0.1%
|
|
| CS | 1 |
0.1%
|
|
| CT | 6 |
0.3%
|
|
| CTV | 1 |
0.1%
|
|
| CU | 1 |
0.1%
|
|
| CUMO | 1 |
0.1%
|
|
| CUV | 2 |
0.1%
|
|
| CV | 38 |
1.9%
|
|
| D | 12 |
0.6%
|
|
| DE | 2 |
0.1%
|
|
| DEF | 1 |
0.1%
|
|
| DEHJLT | 1 |
0.1%
|
|
| DEN | 1 |
0.1%
|
|
| DF | 2 |
0.1%
|
|
| DFS | 1 |
0.1%
|
|
| DG | 1 |
0.1%
|
|
| DJ | 1 |
0.1%
|
|
| DQ | 1 |
0.1%
|
|
| DV | 3 |
0.2%
|
|
| DVQ | 1 |
0.1%
|
|
| E | 30 |
1.5%
|
|
| EF | 4 |
0.2%
|
|
| EFHINV | 1 |
0.1%
|
|
| EFJ | 1 |
0.1%
|
|
| EFK | 1 |
0.1%
|
|
| EFM | 1 |
0.1%
|
|
| EFV | 2 |
0.1%
|
|
| EH | 3 |
0.2%
|
|
| EJ | 2 |
0.1%
|
|
| EJN | 1 |
0.1%
|
|
| EKL | 1 |
0.1%
|
|
| EN | 1 |
0.1%
|
|
| EQ | 3 |
0.2%
|
|
| ER | 1 |
0.1%
|
|
| ETU | 1 |
0.1%
|
|
| EU | 1 |
0.1%
|
|
| EV | 6 |
0.3%
|
|
| F | 18 |
0.9%
|
|
| FGJV | 1 |
0.1%
|
|
| FI | 1 |
0.1%
|
|
| FJ | 6 |
0.3%
|
|
| FJN | 1 |
0.1%
|
|
| FJV | 1 |
0.1%
|
|
| FK | 2 |
0.1%
|
|
| FKLTU | 1 |
0.1%
|
|
| FKLTV | 1 |
0.1%
|
|
| FKNOV | 1 |
0.1%
|
|
| FN | 2 |
0.1%
|
|
| FO | 1 |
0.1%
|
|
| FQ | 3 |
0.2%
|
|
| FSI | 1 |
0.1%
|
|
| FU | 2 |
0.1%
|
|
| FV | 4 |
0.2%
|
|
| H | 1 |
0.1%
|
|
| HIJN | 1 |
0.1%
|
|
| I | 2 |
0.1%
|
|
| IJ | 2 |
0.1%
|
|
| IJN | 1 |
0.1%
|
|
| IQ | 1 |
0.1%
|
|
| IV | 2 |
0.1%
|
|
| J | 25 |
1.3%
|
|
| JKT | 1 |
0.1%
|
|
| JL | 1 |
0.1%
|
|
| JMN | 1 |
0.1%
|
|
| JN | 3 |
0.2%
|
|
| JNV | 1 |
0.1%
|
|
| JQ | 1 |
0.1%
|
|
| JTV | 1 |
0.1%
|
|
| JU | 1 |
0.1%
|
|
| JV | 4 |
0.2%
|
|
| KLT | 1 |
0.1%
|
|
| KLTUO | 1 |
0.1%
|
|
| KLTV | 1 |
0.1%
|
|
| KT | 1 |
0.1%
|
|
| KTV | 2 |
0.1%
|
|
| L | 1 |
0.1%
|
|
| LO | 1 |
0.1%
|
|
| LT | 1 |
0.1%
|
|
| LV | 1 |
0.1%
|
|
| N | 13 |
0.7%
|
|
| NO | 1 |
0.1%
|
|
| NQ | 1 |
0.1%
|
|
| NV | 2 |
0.1%
|
|
| O | 3 |
0.2%
|
|
| P | 45 |
2.3%
|
|
| Q | 48 |
2.4%
|
|
| R | 2 |
0.1%
|
|
| S | 1 |
0.1%
|
|
| SI | 1 |
0.1%
|
|
| SJ | 2 |
0.1%
|
|
| T | 2 |
0.1%
|
|
| U | 2 |
0.1%
|
|
| UO | 1 |
0.1%
|
|
| UV | 1 |
0.1%
|
|
| V | 61 |
3.1%
|
|
| VQ | 5 |
0.3%
|
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.