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
17246
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86
AF01A.Why have you not applied for a business loan since 2017 (AF01_WHY_NOT_APPLIED)
Data file: Business-Business_Level_21B_Anonymised
Overview
Valid:
3668
Invalid:
0
Type:
Discrete
Width:
64
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| A | 313 |
8.5%
|
|
| AB | 7 |
0.2%
|
|
| ABC | 9 |
0.2%
|
|
| ABCD | 2 |
0.1%
|
|
| ABCDEFHIJL | 1 |
0%
|
|
| ABCF | 2 |
0.1%
|
|
| ABCFG | 1 |
0%
|
|
| ABCL | 1 |
0%
|
|
| ABCLM | 1 |
0%
|
|
| ABD | 2 |
0.1%
|
|
| ABF | 4 |
0.1%
|
|
| ABFG | 6 |
0.2%
|
|
| ABFGK | 1 |
0%
|
|
| ABFGL | 3 |
0.1%
|
|
| ABFL | 1 |
0%
|
|
| ABG | 4 |
0.1%
|
|
| ABGKL | 1 |
0%
|
|
| ABGL | 1 |
0%
|
|
| ABH | 1 |
0%
|
|
| ABL | 2 |
0.1%
|
|
| ABLO | 1 |
0%
|
|
| ABM | 1 |
0%
|
|
| AC | 10 |
0.3%
|
|
| ACD | 1 |
0%
|
|
| ACDFG | 1 |
0%
|
|
| ACDHL | 1 |
0%
|
|
| ACDO | 1 |
0%
|
|
| ACEFG | 3 |
0.1%
|
|
| ACF | 20 |
0.5%
|
|
| ACFG | 7 |
0.2%
|
|
| ACFL | 4 |
0.1%
|
|
| ACFLM | 1 |
0%
|
|
| ACG | 5 |
0.1%
|
|
| ACGM | 1 |
0%
|
|
| ACI | 1 |
0%
|
|
| ACIJ | 1 |
0%
|
|
| ACJ | 2 |
0.1%
|
|
| ACK | 2 |
0.1%
|
|
| ACL | 4 |
0.1%
|
|
| ACO | 1 |
0%
|
|
| AD | 6 |
0.2%
|
|
| ADF | 4 |
0.1%
|
|
| ADFGM | 1 |
0%
|
|
| ADG | 1 |
0%
|
|
| ADGL | 1 |
0%
|
|
| ADI | 1 |
0%
|
|
| ADIM | 1 |
0%
|
|
| ADL | 2 |
0.1%
|
|
| AE | 1 |
0%
|
|
| AEF | 5 |
0.1%
|
|
| AEFL | 1 |
0%
|
|
| AF | 130 |
3.5%
|
|
| AFG | 54 |
1.5%
|
|
| AFGI | 1 |
0%
|
|
| AFGK | 4 |
0.1%
|
|
| AFGKL | 1 |
0%
|
|
| AFGKO | 2 |
0.1%
|
|
| AFGL | 6 |
0.2%
|
|
| AFH | 1 |
0%
|
|
| AFI | 1 |
0%
|
|
| AFK | 7 |
0.2%
|
|
| AFKO | 1 |
0%
|
|
| AFL | 15 |
0.4%
|
|
| AFLM | 2 |
0.1%
|
|
| AFM | 3 |
0.1%
|
|
| AG | 75 |
2%
|
|
| AGH | 2 |
0.1%
|
|
| AGHIK | 1 |
0%
|
|
| AGI | 1 |
0%
|
|
| AGK | 6 |
0.2%
|
|
| AGKLO | 1 |
0%
|
|
| AGL | 4 |
0.1%
|
|
| AGLM | 1 |
0%
|
|
| AGM | 1 |
0%
|
|
| AH | 1 |
0%
|
|
| AI | 3 |
0.1%
|
|
| AK | 18 |
0.5%
|
|
| AKL | 4 |
0.1%
|
|
| AKLM | 1 |
0%
|
|
| AL | 57 |
1.6%
|
|
| AM | 3 |
0.1%
|
|
| AO | 2 |
0.1%
|
|
| B | 12 |
0.3%
|
|
| BC | 10 |
0.3%
|
|
| BCD | 1 |
0%
|
|
| BCDF | 1 |
0%
|
|
| BCF | 4 |
0.1%
|
|
| BCFL | 1 |
0%
|
|
| BCG | 2 |
0.1%
|
|
| BCH | 1 |
0%
|
|
| BCK | 1 |
0%
|
|
| BDF | 2 |
0.1%
|
|
| BDFG | 2 |
0.1%
|
|
| BDFO | 1 |
0%
|
|
| BDG | 1 |
0%
|
|
| BF | 7 |
0.2%
|
|
| BFG | 14 |
0.4%
|
|
| BFGK | 1 |
0%
|
|
| BFGM | 1 |
0%
|
|
| BFL | 2 |
0.1%
|
|
| BG | 9 |
0.2%
|
|
| BGI | 1 |
0%
|
|
| BGL | 1 |
0%
|
|
| BJ | 1 |
0%
|
|
| BK | 2 |
0.1%
|
|
| BKL | 1 |
0%
|
|
| BL | 1 |
0%
|
|
| BM | 1 |
0%
|
|
| C | 104 |
2.8%
|
|
| CD | 23 |
0.6%
|
|
| CDE | 1 |
0%
|
|
| CDF | 6 |
0.2%
|
|
| CDFIL | 1 |
0%
|
|
| CDFM | 1 |
0%
|
|
| CDG | 1 |
0%
|
|
| CDK | 1 |
0%
|
|
| CE | 2 |
0.1%
|
|
| CF | 52 |
1.4%
|
|
| CFG | 30 |
0.8%
|
|
| CFGL | 1 |
0%
|
|
| CFI | 2 |
0.1%
|
|
| CFL | 7 |
0.2%
|
|
| CFM | 1 |
0%
|
|
| CFO | 2 |
0.1%
|
|
| CG | 21 |
0.6%
|
|
| CGH | 2 |
0.1%
|
|
| CGI | 1 |
0%
|
|
| CGKL | 1 |
0%
|
|
| CGL | 3 |
0.1%
|
|
| CGM | 1 |
0%
|
|
| CH | 1 |
0%
|
|
| CI | 7 |
0.2%
|
|
| CIK | 2 |
0.1%
|
|
| CK | 7 |
0.2%
|
|
| CKL | 1 |
0%
|
|
| CKLM | 1 |
0%
|
|
| CL | 8 |
0.2%
|
|
| CM | 6 |
0.2%
|
|
| CO | 1 |
0%
|
|
| D | 27 |
0.7%
|
|
| DE | 2 |
0.1%
|
|
| DF | 7 |
0.2%
|
|
| DFG | 5 |
0.1%
|
|
| DFK | 1 |
0%
|
|
| DFKL | 1 |
0%
|
|
| DFL | 1 |
0%
|
|
| DG | 6 |
0.2%
|
|
| DGKL | 1 |
0%
|
|
| DH | 1 |
0%
|
|
| DHJ | 1 |
0%
|
|
| DI | 1 |
0%
|
|
| DJL | 1 |
0%
|
|
| DK | 3 |
0.1%
|
|
| DL | 2 |
0.1%
|
|
| DM | 1 |
0%
|
|
| E | 2 |
0.1%
|
|
| EF | 1 |
0%
|
|
| EFGL | 1 |
0%
|
|
| EFI | 1 |
0%
|
|
| EFIJ | 1 |
0%
|
|
| EFL | 2 |
0.1%
|
|
| EFM | 1 |
0%
|
|
| EGO | 1 |
0%
|
|
| F | 224 |
6.1%
|
|
| FG | 51 |
1.4%
|
|
| FGILM | 1 |
0%
|
|
| FGK | 6 |
0.2%
|
|
| FGKL | 1 |
0%
|
|
| FGL | 3 |
0.1%
|
|
| FGM | 2 |
0.1%
|
|
| FGO | 2 |
0.1%
|
|
| FH | 2 |
0.1%
|
|
| FHJKL | 1 |
0%
|
|
| FI | 5 |
0.1%
|
|
| FIL | 1 |
0%
|
|
| FJ | 1 |
0%
|
|
| FK | 15 |
0.4%
|
|
| FKL | 2 |
0.1%
|
|
| FL | 19 |
0.5%
|
|
| FLM | 1 |
0%
|
|
| FLO | 2 |
0.1%
|
|
| FO | 14 |
0.4%
|
|
| G | 219 |
6%
|
|
| GH | 7 |
0.2%
|
|
| GI | 6 |
0.2%
|
|
| GIL | 1 |
0%
|
|
| GJ | 3 |
0.1%
|
|
| GK | 26 |
0.7%
|
|
| GKL | 4 |
0.1%
|
|
| GL | 14 |
0.4%
|
|
| GM | 1 |
0%
|
|
| GO | 7 |
0.2%
|
|
| H | 3 |
0.1%
|
|
| I | 24 |
0.7%
|
|
| IK | 3 |
0.1%
|
|
| IKL | 1 |
0%
|
|
| IL | 1 |
0%
|
|
| IM | 1 |
0%
|
|
| J | 4 |
0.1%
|
|
| JK | 2 |
0.1%
|
|
| K | 206 |
5.6%
|
|
| KL | 21 |
0.6%
|
|
| KLM | 1 |
0%
|
|
| KO | 5 |
0.1%
|
|
| L | 127 |
3.5%
|
|
| LM | 2 |
0.1%
|
|
| LO | 5 |
0.1%
|
|
| M | 9 |
0.2%
|
|
| N | 570 |
15.5%
|
|
| NP | 19 |
0.5%
|
|
| O | 217 |
5.9%
|
|
| P | 492 |
13.4%
|
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.