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
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AF01A.Why have you not applied for a business loan since 2017 (AF01_WHY_NOT_APPLIED_SECIFY)
Data file: Business-Business_Level_21B_Anonymised
Overview
Valid:
275
Invalid:
0
Type:
Discrete
Width:
255
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| AM JUST SCARED THAT I MAY NOT MANAGE TO PAY BACK | 1 |
0.4%
|
|
| AWARENESS LACKING | 1 |
0.4%
|
|
| Afraid of getting arrested in case of failure to pay back | 1 |
0.4%
|
|
| Already has a loan running | 1 |
0.4%
|
|
| Am not used of getting loans | 1 |
0.4%
|
|
| Apparent no reason | 1 |
0.4%
|
|
| Can't find who give | 1 |
0.4%
|
|
| DO NOT KNOW WHERE TO SOURCE THE LOAN | 1 |
0.4%
|
|
| DONT KNOW HOWBTO GO ABOUT IT | 1 |
0.4%
|
|
| DONT KNOW WHERE TO GET A LOAN | 4 |
1.5%
|
|
| Did not know about loans | 1 |
0.4%
|
|
| Don't know where to get loan | 1 |
0.4%
|
|
| Dont have an account at the bank and l fear loans | 1 |
0.4%
|
|
| Dont know where to get the Loan | 1 |
0.4%
|
|
| Dont know where to get | 1 |
0.4%
|
|
| FEAR OF CREDITS | 1 |
0.4%
|
|
| FEAR TO GET ALOAN | 1 |
0.4%
|
|
| Fear that i may not pay back | 1 |
0.4%
|
|
| Fear credits may not manage to pay back | 1 |
0.4%
|
|
| Fear loan | 1 |
0.4%
|
|
| Fear of failure to pay back | 1 |
0.4%
|
|
| Fear that i may not pay back | 1 |
0.4%
|
|
| Fear that i fail to pay back | 1 |
0.4%
|
|
| Fear that its only for employed | 1 |
0.4%
|
|
| Fear that money not be paid back | 1 |
0.4%
|
|
| Fear to be arrested in case of default | 1 |
0.4%
|
|
| Fear to fail pay back | 1 |
0.4%
|
|
| Fear to pay back | 1 |
0.4%
|
|
| HAS LESS KNOWLEDGE ABOUT LOANS. | 1 |
0.4%
|
|
| I can't get a loan because am no in government | 1 |
0.4%
|
|
| IT HAS NEVER CROSSED MY MIND | 1 |
0.4%
|
|
| Iam not ready | 1 |
0.4%
|
|
| Just started this business | 1 |
0.4%
|
|
| LACK INFORMATION | 8 |
2.9%
|
|
| LACK OF INFORMATION | 5 |
1.8%
|
|
| LUCK OF INFORMATION | 4 |
1.5%
|
|
| Lack of access to affordable finance | 1 |
0.4%
|
|
| Lack of information on how to go about it | 1 |
0.4%
|
|
| Low bussines | 1 |
0.4%
|
|
| NEVER THOUGHT OF APPLYING FOR LOAN | 1 |
0.4%
|
|
| NO ACCES | 1 |
0.4%
|
|
| NO INFORMATION | 1 |
0.4%
|
|
| NO INFORMATION FOR THIS FINANCIAL SERVICE | 1 |
0.4%
|
|
| NO KNOWLEDGE ABOUT LOANS | 1 |
0.4%
|
|
| NO OPORTUNITY | 1 |
0.4%
|
|
| NO OPPORTUNITY TO GET A LOAN | 1 |
0.4%
|
|
| NO SURETY | 1 |
0.4%
|
|
| NOT AWARE OF BUSINESS LOANS | 1 |
0.4%
|
|
| NOT USED OF GETTING LOANS | 1 |
0.4%
|
|
| NOT YET SETTLED IN BUSINESS | 1 |
0.4%
|
|
| No acces to the intormation On how you get | 1 |
0.4%
|
|
| No access to affordable finance | 1 |
0.4%
|
|
| No idea that they can get a loan | 1 |
0.4%
|
|
| Not given an opportunity | 1 |
0.4%
|
|
| RISK | 1 |
0.4%
|
|
| SCARED MAY NOT BE ABLE TO PAY BACK THE LOAN | 1 |
0.4%
|
|
| SCARED OF HOW TO PAY BACK THE MONEY | 1 |
0.4%
|
|
| SCARED OF LOANS | 1 |
0.4%
|
|
| SCARED OF NOT AFFORDING TO PAY BACK THE MONEY | 1 |
0.4%
|
|
| SCARED THAT SHE MAY FAIL TO PAY BACK | 1 |
0.4%
|
|
| Scared may not manage to pay back | 1 |
0.4%
|
|
| Scared of how to pay back the money | 1 |
0.4%
|
|
| Scared to get a loan | 1 |
0.4%
|
|
| She fears that she won't be able to pay back | 1 |
0.4%
|
|
| Short period to start repaying the loan | 1 |
0.4%
|
|
| THEY ONLY OFFER CIVIL SERVANTS | 1 |
0.4%
|
|
| TOO SCARED TO BORROW | 1 |
0.4%
|
|
| The business is too small for us to apply for a loan | 1 |
0.4%
|
|
| They don't give loans | 1 |
0.4%
|
|
| Think that not qualified | 1 |
0.4%
|
|
| WAS NOT INTERESTED | 1 |
0.4%
|
|
| Was away from home.. | 1 |
0.4%
|
|
| Was in formal employment, so i was comfortable with salary | 1 |
0.4%
|
|
| afraid of repaying the loan | 1 |
0.4%
|
|
| am afraid of loans | 1 |
0.4%
|
|
| and fear of default | 1 |
0.4%
|
|
| applied before 2017 but was not approved | 1 |
0.4%
|
|
| banks do not understand unforseen incident | 1 |
0.4%
|
|
| because am not a citizen | 1 |
0.4%
|
|
| because of being a refugee | 1 |
0.4%
|
|
| because the privous loan wasn't successful | 1 |
0.4%
|
|
| business is new | 1 |
0.4%
|
|
| business too small | 1 |
0.4%
|
|
| business is the still small | 1 |
0.4%
|
|
| delayed to receive information about loaning sources | 1 |
0.4%
|
|
| do not know how to go about it.. | 1 |
0.4%
|
|
| do not like credits | 1 |
0.4%
|
|
| do not like loans | 1 |
0.4%
|
|
| does not have information of where to apply | 1 |
0.4%
|
|
| does not have registration card | 1 |
0.4%
|
|
| does not know hoe to write | 1 |
0.4%
|
|
| does not know how to apply and where to go | 1 |
0.4%
|
|
| does not know how to go about it | 1 |
0.4%
|
|
| does not know how to write a loan letter | 1 |
0.4%
|
|
| does not know where to apply | 1 |
0.4%
|
|
| does not like loans | 1 |
0.4%
|
|
| doesn't know that such exits | 1 |
0.4%
|
|
| doesnt have any knowledge on loans | 1 |
0.4%
|
|
| doesnt know where to apply for a loan from | 1 |
0.4%
|
|
| doesnt know where to obtain a loan from | 1 |
0.4%
|
|
| don't know the application procedure | 1 |
0.4%
|
|
| don't even know how and where to apply for a loan | 1 |
0.4%
|
|
| don't have information of where to get it | 1 |
0.4%
|
|
| don't have knowledge on how to go about it | 1 |
0.4%
|
|
| don't know how and where to get it | 1 |
0.4%
|
|
| don't know where to apply | 1 |
0.4%
|
|
| don't know where to get house loan | 1 |
0.4%
|
|
| don't know where to go and apply | 1 |
0.4%
|
|
| don't know where to go if I want to apply | 1 |
0.4%
|
|
| dont have an knowledge abouts loans | 1 |
0.4%
|
|
| dont have idea on how to go about it | 1 |
0.4%
|
|
| dont have the full information about loans | 1 |
0.4%
|
|
| dont how to get the loan | 1 |
0.4%
|
|
| dont know how | 1 |
0.4%
|
|
| dont know how and where | 1 |
0.4%
|
|
| dont know how to go about it | 1 |
0.4%
|
|
| dont know that a person can apply for loan | 1 |
0.4%
|
|
| dont know the application procedure | 1 |
0.4%
|
|
| dont know where loans are offered | 1 |
0.4%
|
|
| dont know where to get it | 1 |
0.4%
|
|
| dont know where to get the loans | 1 |
0.4%
|
|
| fear | 1 |
0.4%
|
|
| fear being jailed | 1 |
0.4%
|
|
| fear incase you fail to pay back the loan they get your HOUS | 1 |
0.4%
|
|
| fear maybe i fail to return i can be in problems | 1 |
0.4%
|
|
| fear of default | 6 |
2.2%
|
|
| fear of defaut | 2 |
0.7%
|
|
| fear of having a loss which may result in failing to pay bac | 1 |
0.4%
|
|
| fear of losing money | 1 |
0.4%
|
|
| fear of making a loss when she fails to pay | 1 |
0.4%
|
|
| fear of paying back | 1 |
0.4%
|
|
| fear of repaying | 1 |
0.4%
|
|
| fear of repaying the loan | 1 |
0.4%
|
|
| fear to be prisoned | 1 |
0.4%
|
|
| fear to default and get arrested | 1 |
0.4%
|
|
| fear to get a loan | 1 |
0.4%
|
|
| had enough capital | 1 |
0.4%
|
|
| had no idea on how to apply for a bussines loan | 1 |
0.4%
|
|
| have fear maybe you fail to repay | 1 |
0.4%
|
|
| have just started | 1 |
0.4%
|
|
| have no access to loan | 1 |
0.4%
|
|
| he dies not know how to write | 1 |
0.4%
|
|
| he does not know how to apply | 1 |
0.4%
|
|
| he was very busy | 1 |
0.4%
|
|
| i a, just hearing about it now | 1 |
0.4%
|
|
| i am just getting started | 1 |
0.4%
|
|
| i didn't that i can qualify | 1 |
0.4%
|
|
| i don't have a payslip | 1 |
0.4%
|
|
| i don't know how to do it | 1 |
0.4%
|
|
| i don't know the procedure and where to get it | 1 |
0.4%
|
|
| i don't know where to apply | 1 |
0.4%
|
|
| i don't know where to get it | 2 |
0.7%
|
|
| i don't known where to get it | 1 |
0.4%
|
|
| i dont have thr financial discipline. | 1 |
0.4%
|
|
| i dont know about. no information | 1 |
0.4%
|
|
| i dont want to go to jail | 1 |
0.4%
|
|
| i fear loans because ifbl fail to pay they will arest me | 1 |
0.4%
|
|
| i have had no opportunity for a business loan | 1 |
0.4%
|
|
| i have no idea where to even start from | 1 |
0.4%
|
|
| i have not heard of such things | 1 |
0.4%
|
|
| i only know that people who can get a loan are government of | 1 |
0.4%
|
|
| if i fail to pay back i can have a problem | 1 |
0.4%
|
|
| inadequate information on loans | 1 |
0.4%
|
|
| inadequate information on loans | 1 |
0.4%
|
|
| instability of the business | 1 |
0.4%
|
|
| its just a supplement of a business | 1 |
0.4%
|
|
| just started business | 1 |
0.4%
|
|
| just started the business | 1 |
0.4%
|
|
| l didn't know that the banks give loans | 1 |
0.4%
|
|
| l don't know anything about loans | 2 |
0.7%
|
|
| l have n | 1 |
0.4%
|
|
| lack information | 1 |
0.4%
|
|
| lack of information | 2 |
0.7%
|
|
| lack of knowledge about lending institutions | 1 |
0.4%
|
|
| lack of knowledge and expertise | 1 |
0.4%
|
|
| lack of storage facility | 1 |
0.4%
|
|
| little knowledge on how to get a loan | 1 |
0.4%
|
|
| loans give pressure | 1 |
0.4%
|
|
| may not be able to pay back | 1 |
0.4%
|
|
| never given chance | 1 |
0.4%
|
|
| ni information about where to get it | 1 |
0.4%
|
|
| no access | 2 |
0.7%
|
|
| no access (bias ) | 1 |
0.4%
|
|
| no back up from authorities that should ,ake recommendation | 1 |
0.4%
|
|
| no credit facilities | 1 |
0.4%
|
|
| no idea | 2 |
0.7%
|
|
| no information about how go access the loan | 1 |
0.4%
|
|
| no information about where to get it | 1 |
0.4%
|
|
| no knowledge | 3 |
1.1%
|
|
| no knowledge and not aware | 1 |
0.4%
|
|
| no knowledge of it | 1 |
0.4%
|
|
| no knowledge of where to apply | 1 |
0.4%
|
|
| no knowledge of where to get it | 1 |
0.4%
|
|
| no loan facilities in my area | 1 |
0.4%
|
|
| no loan facilities in the community | 1 |
0.4%
|
|
| no loan services in my community | 1 |
0.4%
|
|
| no loans to apply for | 1 |
0.4%
|
|
| no much information on how to get a loan | 1 |
0.4%
|
|
| no one offers loans here | 1 |
0.4%
|
|
| no one to assist me | 1 |
0.4%
|
|
| no one to assist me and I don't know where to get it | 1 |
0.4%
|
|
| no one to assist me and don't know where to get it | 1 |
0.4%
|
|
| no such services in my community | 1 |
0.4%
|
|
| no to assist me | 1 |
0.4%
|
|
| non availability of institutions offering loans | 1 |
0.4%
|
|
| not aware | 1 |
0.4%
|
|
| not aware of institutions/people who offer loans | 1 |
0.4%
|
|
| not aware of the facility | 1 |
0.4%
|
|
| not familiar | 1 |
0.4%
|
|
| not knowing some or most of the lending firms | 1 |
0.4%
|
|
| not knowing that they could getit and where | 1 |
0.4%
|
|
| not knowing where to apply to | 1 |
0.4%
|
|
| not ready for it | 1 |
0.4%
|
|
| politically discouraged | 1 |
0.4%
|
|
| scared to default | 1 |
0.4%
|
|
| scared of debt | 1 |
0.4%
|
|
| scared of getting a loan | 2 |
0.7%
|
|
| scared of getting a loan because they grab household items | 1 |
0.4%
|
|
| scared of loans | 1 |
0.4%
|
|
| scared to apply for a loan | 1 |
0.4%
|
|
| scared to be arrested incase of defaulting | 1 |
0.4%
|
|
| scared to default and get arrested | 1 |
0.4%
|
|
| scared to get one | 1 |
0.4%
|
|
| scared, could run a loss and be prosecuted | 1 |
0.4%
|
|
| she thinks only civil servants are entitled to get loans | 1 |
0.4%
|
|
| she doesn't know how | 1 |
0.4%
|
|
| she doesn't know how to go about it | 1 |
0.4%
|
|
| she doesnt know how to write an application | 1 |
0.4%
|
|
| she has no plans of applying a loan | 1 |
0.4%
|
|
| she is not doing the business full time | 1 |
0.4%
|
|
| she thinks loans are for civil servants only | 1 |
0.4%
|
|
| sont know the application procedure | 1 |
0.4%
|
|
| still paying for the loan i got to buy a bus | 1 |
0.4%
|
|
| still servicing the previous loan | 1 |
0.4%
|
|
| still serving my previous loan | 1 |
0.4%
|
|
| submitted the application very late | 1 |
0.4%
|
|
| the husband dont allow | 1 |
0.4%
|
|
| there is nowhere I can get a loan here | 1 |
0.4%
|
|
| think only those in employment canget a loan | 1 |
0.4%
|
|
| this is when they have introduced the credit facilities | 1 |
0.4%
|
|
| thought loans are given to government workers only | 1 |
0.4%
|
|
| tried but | 1 |
0.4%
|
|
| was disadvantaged by age | 1 |
0.4%
|
|
| when you apply the nsme does not come out | 1 |
0.4%
|
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.