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
Feb 26, 2026
Page views
17319
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86
BC02 Other specify challenges that you faced when setting up this business. (BC02_SPECIFY)
Data file: Business-Business_Level_21B_Anonymised
Overview
Valid:
93
Invalid:
0
Type:
Discrete
Width:
255
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| ACCESSING LOANS AND EDONOMIC | 1 |
1.1%
|
|
| Access to farming inputs | 1 |
1.1%
|
|
| Army worms | 1 |
1.1%
|
|
| BUILDING STRUCTURES | 1 |
1.1%
|
|
| CUMBERSOME REQUIREMENTS TO REGISTER A BUSINESS | 1 |
1.1%
|
|
| Delayed payments from debtors | 1 |
1.1%
|
|
| FINDING PERSON TO SUPPLY | 1 |
1.1%
|
|
| FLOAT SIZE | 1 |
1.1%
|
|
| Few clients to purchase products | 1 |
1.1%
|
|
| First batch of chickens died due to lack of skills | 1 |
1.1%
|
|
| HIDING FROM AUTHORITIES | 1 |
1.1%
|
|
| LACK OF CUSTOMERS | 1 |
1.1%
|
|
| LACK OF SUPPLIERS | 1 |
1.1%
|
|
| LACK OF WATER SOURCES | 1 |
1.1%
|
|
| LOW PRICES FOR THE PRODUCTS | 1 |
1.1%
|
|
| Lack of finances | 1 |
1.1%
|
|
| Land occupance | 1 |
1.1%
|
|
| Low customer base | 1 |
1.1%
|
|
| Marital problems from spouse | 1 |
1.1%
|
|
| Not enough money paid by the FRA | 1 |
1.1%
|
|
| Ordered poor quality of fish | 1 |
1.1%
|
|
| STORAGE FACILITIES | 1 |
1.1%
|
|
| TRANSPORTATION | 1 |
1.1%
|
|
| Unstable dollar/kwacha exchange rate | 1 |
1.1%
|
|
| at times it takes a month to be highered | 1 |
1.1%
|
|
| be ause he was quite new in the district | 1 |
1.1%
|
|
| challange in clearing land | 1 |
1.1%
|
|
| chicken diseases | 1 |
1.1%
|
|
| chickens dieing | 1 |
1.1%
|
|
| climate change , army worms eating crops | 1 |
1.1%
|
|
| competition was high | 1 |
1.1%
|
|
| controlled prices at the kasumalesa border | 1 |
1.1%
|
|
| convicing customers | 1 |
1.1%
|
|
| convicing people to bring their children here | 1 |
1.1%
|
|
| cost of materials | 1 |
1.1%
|
|
| credit with neighbourhood | 1 |
1.1%
|
|
| customers were delaying to pay | 1 |
1.1%
|
|
| delay in stock | 1 |
1.1%
|
|
| delayed deliveries | 1 |
1.1%
|
|
| delayment in receiving capital from relatives | 1 |
1.1%
|
|
| did not have fertilizer in good time | 1 |
1.1%
|
|
| difficulties in accessing capital | 1 |
1.1%
|
|
| difficulties in finding capital | 1 |
1.1%
|
|
| encountered many losses | 1 |
1.1%
|
|
| expensive labour | 1 |
1.1%
|
|
| expensive transport | 1 |
1.1%
|
|
| few customers | 2 |
2.2%
|
|
| finding a place to place the business | 1 |
1.1%
|
|
| finding space in station | 1 |
1.1%
|
|
| had few customers and tomatoes would rot | 1 |
1.1%
|
|
| had no house | 1 |
1.1%
|
|
| health related challenges | 1 |
1.1%
|
|
| high competition, | 1 |
1.1%
|
|
| high order price of items | 1 |
1.1%
|
|
| high price of clothes | 1 |
1.1%
|
|
| inadequat | 1 |
1.1%
|
|
| lack of adequate startup capital | 1 |
1.1%
|
|
| lack of capital | 1 |
1.1%
|
|
| lack of customers | 1 |
1.1%
|
|
| lack of customers that could by with cash | 1 |
1.1%
|
|
| lack of equipment | 1 |
1.1%
|
|
| lack of funds | 1 |
1.1%
|
|
| lack of money | 1 |
1.1%
|
|
| lack of storage facilities such as a fridge | 1 |
1.1%
|
|
| learners | 1 |
1.1%
|
|
| lo | 1 |
1.1%
|
|
| losses when fish went bad | 1 |
1.1%
|
|
| low customer turn up | 1 |
1.1%
|
|
| low profits sometimes | 1 |
1.1%
|
|
| made loses some clothes were damaged | 1 |
1.1%
|
|
| no customers | 1 |
1.1%
|
|
| no own structure for running business | 1 |
1.1%
|
|
| pests | 1 |
1.1%
|
|
| pests and stock borers | 1 |
1.1%
|
|
| poor rainfall | 1 |
1.1%
|
|
| shotages | 1 |
1.1%
|
|
| start up capital | 2 |
2.2%
|
|
| things sold online are usually doubted by people | 1 |
1.1%
|
|
| to access contracts | 1 |
1.1%
|
|
| too many competitors | 1 |
1.1%
|
|
| took time for customers to know the selling point | 1 |
1.1%
|
|
| transportation | 3 |
3.2%
|
|
| was difficult to gain peoples trust | 1 |
1.1%
|
|
| was injuring my self many times | 1 |
1.1%
|
|
| weather conditions | 1 |
1.1%
|
|
| when growing the seeds animals ate the seeds had to replant the seeds | 1 |
1.1%
|
|
| where to get the livestock | 1 |
1.1%
|
|
| wild animals destroying the crops | 2 |
2.2%
|
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.