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
20983
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AF10 What was the main reason the loan for the business you applied for was denied? (AF10_MAIN_REASON_LOAN_BUSINESS_D)
Data file: Business-Business_Level_21B_Anonymised
Overview
Valid:
73
Invalid:
3990
Type:
Discrete
Decimal:
0
Width:
1
Range:
1 - 9
Format:
Numeric
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| 1 | Did not have a down payment | 3 |
4.1%
|
| 2 | Did not have the right documentation; | 4 |
5.5%
|
| 3 | No security/collateral | 16 |
21.9%
|
| 4 | Income too low | 5 |
6.8%
|
| 5 | Too much debt | 0 |
0%
|
| 6 | No financial history | 3 |
4.1%
|
| 7 | Negative credit history | 0 |
0%
|
| 8 | Other | 14 |
19.2%
|
| 9 | Don’t know | 28 |
38.4%
|
| Sysmiss | 3990 |
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.