ZMB-ZSA-MSME-2022-V1
DDI-ZMB-ZSA-MSME-2022-V1.0
Ben Mwale
Etambuyu Lukonga
Zambia Statistics Agency
2026-01-16
Nesstar Publisher
Version 1.0 (January 2026)
2022 Micro, Small and Medium Enterprise Finance Survey
First Edition
2022 MSMES
ZMB-ZSA-MSME-2022-V1.0
Zambia Statistics Agency
Bank of Zambia
Ministry of Finance and National Planning
Ministry of Small and Medium Enterprise Development
Deutsche Sparkassenstiftung fu¨r Internationale Kooperation
Nesstar Publisher
Bank of Zambia
Germany Development Cooperation
Rural Finance Expansion Programme
Head of Dissemination
Socio-Economic/Monitoring Survey [hh/sems]
The 2022 MSME survey is the first edition
Business
Capital
Employment
Loan
Income
Asset
Financial products
Micro, Small and Medium Enterprises
Credit
Financial Service Provider
Financial Products and Infrastructure
Startup Capital
Access to Credit
Business Characteristics
Business Performance
Business Assets
Business Challenges
Business Closure
Employment
Record Keeping
Savings and Investments
COVID-19 and Climate Change
Zambia
The MSME Finance Survey was conducted at household level and captured all household members and all thoser individuals of age 15 years or older, who owned either a micro, small or medium business.
Sample survey data [ssd]
Zambia Statistics Agency
Bank of Zambia
Face-to-face [f2f]
Data collection was conducted from 1 to 30 June 2022 by 20 teams. Each team consisted of one supervisor and four to five interviewers. Fieldwork data monitoring was an integral part of the MSME Survey. The Master Trainers were in the field throughout the enumeration period to monitor, review the teams' work and resolve any issues that arose. During data collection, interviewers sent data to the server via internet using tablets
The response rates for the MSME Finance Survey was at 98.8 percent. Of the 3,574 households in the sample, 3,532 were successfully interviewed.
Zambia Statistics Agency
Zambia Statistics Agency, 2022 Micro Small and Medium Enterprise Survey, Version 1.0 of the puublic use dataset. https://nada.zamstats.gov.zm/
Business-Business_Level_21B_Anonymised.NSDstat
The file contains data related to information on demographic and socio-economic characteristics of business owners such as sex, age, marital status, rural/urban segmentation, education and wealth
4063
513
Nesstar 200801
MSME Households-DEMOGRAPHICS_9_anonymised.NSDstat
The file contains data related to demographic characteristics of the household such as household members' relationship to head of household, age, sex, citizenship, highest level of education attained etc.
19733
68
Nesstar 200801
MSME Households-HH_CHARACTERISTICS_8_wealth_anonymised.NSDstat
3610
178
Nesstar 200801
PROVINCE
3985
78
1
Central
366
2
Copperbelt
614
3
Eastern
361
4
Luapula
443
5
Lusaka
567
6
Muchinga
268
7
Northern
327
8
291
9
Southern
376
10
Western
372
Sysmiss
78
REGION
3985
78
1
Rural
2055
2
Urban
1930
Sysmiss
78
3610
453
1
10
2
10
3
10
4
10
5
10
6
10
7
10
8
10
9
10
10
10
11
10
12
10
13
10
14
10
15
10
16
10
17
10
18
10
19
10
20
10
21
10
22
10
23
10
24
10
25
10
26
10
27
10
28
10
29
10
30
10
31
10
32
10
33
10
34
10
35
10
36
10
37
10
38
10
39
10
40
10
41
10
42
10
43
10
44
10
45
10
46
10
47
10
48
10
49
10
50
10
51
10
52
10
53
10
54
10
55
10
56
10
57
10
58
10
59
10
60
10
61
10
62
10
63
10
64
10
65
10
66
10
67
10
68
10
69
10
70
10
71
10
72
10
73
10
74
10
75
10
76
10
77
10
78
10
79
10
80
10
81
10
82
10
83
10
84
10
85
10
86
10
87
10
88
10
89
10
90
10
91
10
92
10
93
10
94
10
95
10
96
10
97
10
98
10
99
10
100
10
101
10
102
10
103
10
104
10
105
10
106
10
107
10
108
10
109
10
110
10
111
10
112
10
113
10
114
10
115
10
116
10
117
10
118
10
119
10
120
10
121
10
122
10
123
10
124
10
125
10
126
10
127
10
128
10
129
10
130
10
131
10
132
10
133
10
134
10
135
10
136
10
137
10
138
10
139
10
140
10
141
10
142
10
143
10
144
10
145
10
146
10
147
10
148
10
149
10
150
10
151
10
152
10
153
10
154
10
155
10
156
10
157
10
158
10
159
10
160
10
161
10
162
10
163
10
164
10
165
10
166
10
167
10
168
10
169
10
170
10
171
10
172
10
173
10
174
10
175
10
176
10
177
10
178
10
179
10
180
10
181
10
182
10
183
10
184
10
185
10
186
10
187
10
188
10
189
10
190
10
191
10
192
10
193
10
194
10
195
10
196
10
197
10
198
10
199
10
200
10
201
10
202
10
203
10
204
10
205
10
206
10
207
10
208
10
209
10
210
10
211
10
212
10
213
10
214
10
215
10
216
10
217
10
218
10
219
10
220
10
221
10
222
10
223
10
224
10
225
10
226
10
227
10
228
10
229
10
230
10
231
10
232
10
233
10
234
10
235
10
236
10
237
10
238
10
239
10
240
10
241
10
242
10
243
10
244
10
245
10
246
10
247
10
248
10
249
10
250
10
251
10
252
10
253
10
254
10
255
10
256
9
257
9
258
9
259
9
260
9
261
8
262
8
263
8
264
8
265
8
266
8
267
8
268
8
269
8
270
8
271
8
272
8
273
8
274
8
275
8
276
8
277
8
278
8
279
8
280
8
281
8
282
8
283
8
284
8
285
8
286
8
287
8
288
8
289
8
290
8
291
8
292
8
293
8
294
8
295
8
296
8
297
8
298
8
299
8
300
8
301
8
302
8
303
8
304
8
305
7
306
7
307
7
308
7
309
7
310
7
311
6
312
6
313
6
314
6
315
6
316
6
317
6
318
6
319
6
320
6
321
6
322
6
323
6
324
6
325
6
326
6
327
6
328
6
329
6
330
6
331
6
332
6
333
6
334
5
335
5
336
5
337
5
338
5
339
5
340
5
341
5
342
5
343
5
344
5
345
5
346
5
347
5
348
5
349
4
350
4
351
4
352
3
353
3
354
3
355
3
356
3
357
3
358
3
359
3
360
3
361
3
362
3
363
3
364
3
365
3
366
3
367
3
368
3
369
3
370
3
371
3
372
3
373
3
374
3
375
3
376
3
377
3
378
3
379
3
380
3
381
3
382
3
383
3
384
3
385
3
386
3
387
3
388
3
389
3
390
3
391
3
392
2
393
2
394
2
395
2
396
2
397
2
398
2
399
2
400
2
401
2
402
2
403
2
404
2
405
2
406
2
407
2
408
2
409
2
410
2
411
2
412
2
413
2
414
2
415
2
416
2
417
2
418
2
419
2
420
2
421
2
422
2
423
2
424
2
425
2
426
2
427
2
428
2
429
2
430
2
431
2
432
2
433
2
434
2
435
2
436
2
437
2
438
2
439
2
440
2
441
2
442
2
443
2
444
2
445
2
446
2
447
2
448
2
449
2
450
2
451
2
452
2
453
2
454
2
455
2
456
2
457
2
458
2
459
2
460
2
461
2
462
2
463
2
464
2
465
2
466
2
467
2
468
2
469
2
470
2
471
2
472
2
473
2
474
2
475
2
476
2
477
2
478
2
479
2
480
2
481
2
482
2
483
2
484
2
485
2
486
2
487
2
488
2
489
2
490
2
491
2
492
2
493
2
494
2
495
2
496
2
497
2
498
2
499
2
500
2
501
2
502
1
503
1
504
1
505
1
506
1
507
1
508
1
509
1
510
1
511
1
512
1
513
1
514
1
515
1
516
1
517
1
518
1
519
1
520
1
521
1
522
1
523
1
524
1
525
1
526
1
527
1
528
1
529
1
530
1
531
1
532
1
533
1
534
1
535
1
536
1
537
1
538
1
539
1
540
1
541
1
542
1
543
1
544
1
545
1
546
1
547
1
548
1
549
1
550
1
551
1
552
1
553
1
554
1
555
1
556
1
557
1
Sysmiss
453
Response Status
3983
80
1
COMPLETED
3968
2
ABSENT
1
4
POSTPONED
13
5
REFUSED
0
6
NON-CONTACT (OCCUPIED)
1
Sysmiss
80
3985
78
33.016
2586.461
389.935
394.534
Person number
3985
78
1
2713
2
1096
3
105
4
26
5
12
6
11
7
5
8
5
9
3
10
7
17
1
26
1
Sysmiss
78
Bussines ID
3985
78
1
3712
2
233
3
32
4
6
5
1
6
1
Sysmiss
78
BD01B.What kind of business or activity is mainly carried out in this business? Describe….
3985
0
BD01D.What kind of business or activity is mainly carried out in this business? Describe….
3985
78
1
Yes
343
2
No
3642
Sysmiss
78
BD01S.What kind of business or activity is mainly carried out in this business? Describe….
352
0
ALCOHOLIC BEVERAGES
1
BAKING AND SELLING OF CAKES
1
1
1
BREWING BEER (KACHASU )
1
BURNING CHARCOAL
1
BUYING AND SELLING MAIZE
1
BUYING AND SELLING OF FISH
1
Baking of cakes
1
Barbershop
1
Bicycle repairing
1
Bottled/Opaque beers
1
1
CHICKEN RARING AND SELING
1
1
COOKING CHIKANDA
1
COSMETICS SELLING
1
CUTTING AND SELLING OF THATCHING GRASS
1
Carpentry; making wooden stools, beds, tables and chairs
1
Ciggarates selling
1
Computer consultacy
1
DESIGNING OF LAYOUTS SUCH BROCHURES, FLIERS AND BANNER
1
Day care services
1
FARMING Of POPCORNS
1
FARMING SUPPORT
1
FISH FARMING
1
FRYING POP CORNS
2
FRYING SAMOSAS
1
3
Farming cassava
1
Farming maize
3
Fishing of chisense
1
1
1
GROWING AND SELLING OF SOYA BEANS
2
GROWING AND SELLING OF TOMATOES
1
GROWING AND SELLING OF WATERMELON
1
1
1
GROWING MAIZE FOR SALE
1
GROWING OF cucumbers
1
GROWING TOMATOES FOR SALE ON WHOLESALE AND RETAIL
1
GROWS VEGETABLES
1
Growing of groundnuts for sale
1
Growing of maize for selling
1
Growing soya beans
1
Grows soya beans
1
Internet cafe
1
1
MAKING AND SELLING OF CHIBWANTU
1
MAKING AND SELLING OF ICE BLOCKS
1
MAKING AND SELLING OF KACHASU
1
1
Maize production
1
Making Flirters
1
Mine suppiers
1
Mobile money services
1
ORDRR AND RE-SALE
1
Ordering of Vehicles on behalf of Clients
1
Ordering second hand clothe and selling to customers
1
PIGGARY FARMING
1
PRINTING AND PHOTOCOPYING
1
Pot flower making
1
RAISING BROILERS
1
RENTING OUT HOUSES
1
1
1
RETAIL SALE OF CHICKENS
1
RETAIL SELL OF CHARCOAL
1
RETAIL SELL OF CHITENGE MATERIALS
1
RETAIL SELL OF DRINKS
1
RETAIL SELL OF GROUNDNUTS
1
RETAIL SELL OF SACK BAGS
1
RETAIL SELL OF TOMATOES
2
RETAIL SELLING OF RICE
1
RETAIL SELLING OF SOFT DRINKS
1
RETAIL SELLING SLIPPERS
1
RETAILING OF BEEF
1
RETAILING OF CHICKEN
1
RETAILING OF FIRST HAND CLOTHES
1
RETAILING OF NEW SHOES
1
RETAILING OF SEEDLINGS AND PESTICIDES
1
RETAILING OF VEGETABLES
1
Rearing of pigs and chickens
1
Restaurant
1
SEELLING CHICKENS
1
1
SELLING BROILER CHICKENS
1
1
SELLING CHARCOAL
1
SELLING CLEAR BEER( KACHASU)
1
SELLING HAIR EXTENSIONS
1
SELLING KACHASU
1
SELLING MAIZE
2
SELLING MUNKOYO
1
1
SELLING OF HERBAL MEDICINES
1
SELLING OF THE TOILORED CLOTHEE
1
SELLING OF TOMATOES AND CABBAGES
1
SELLING RAPE
3
SELLING RAPE AND CHINESE CABBAGE
2
SELLING SCORNS
1
SELLING SECOND HAND CLOTHES
1
SELLING SECOND HAND CLOTHES IN BALES
1
SELLING TALK TIME
1
SELLING TOMATOES RAPE AND EGG PLANTS
1
SELLING VEGETABLES
1
1
SOWING AND SELLING OF CHITENGE SKIRTS FOR CHILDREN
1
SOYA PRODUCTION
1
SUPPLY OF BUILDING MATERIALS
1
Scaning and printing
1
Sell of soft drinks and water
1
1
1
1
Selling Chisense,tomatoes,sugar
1
Selling asorted groceries at a temba
1
Selling beer on retail
1
1
Selling dried kapenta at the market
1
Selling fish on retail
1
1
Selling of charcoal in 90kg and 50kg bags and in plastic bags
1
Selling of dry and fresh fish at home
1
Selling of groceries in small quantities
1
Selling rice
1
Selling rice at home
1
Selling tomatoes
1
Small potion of farming Vegtables
1
Sun flower farming
1
Suppliers of cements, door frames, window frames, doors, chairs, office statioery
1
Talk time seelling
1
Tomatoe seling
1
1
1
1
1
Vehicle repairs and vehicle branding
1
WASHING OF CARS AND CARPETS
1
1
airtal money
1
bakes cakes
1
baking fritters and sell
1
barbershop
1
beans farming
1
brewing munkoyo for sale
1
brewing of munkoyo
1
brewing traditional alcohol
1
buying and selling beef
1
buying and selling drinks
1
buying and selling of bananas
1
buying and selling of sour Milk
1
buying and selling of sour milk
1
buying and selling rice
1
car sales agent
1
charcoal making
1
consultation services and business registration
1
crop farming
2
cross border trading
1
digging of manganese and sell
1
domestic houses construction
1
egg production
1
exchanging ascorted goods with farm products such as maize and soya beans
1
farming groundnuts
1
farming maize
1
farming maize and cassava
1
farming maize and groundnuts
1
farming of beans
1
farming of maize
1
fish (fresh&dry) retail
1
fishing for sell
2
1
fritters and relish
1
garden (vegetable )
1
1
gardenning
1
grocery shop
1
groundnuts machine powder
1
grow soya beans,beans,ground nuts,
1
1
growing and selling of groundnuts
2
growing and selling of maize
1
growing and selling of vegetables
1
growing maize and beans for sell
1
growing maize, soya beans , cassava
1
growing of beans,ground nuts
1
growing of cassava
2
growing of groundnuts and maize grain
1
growing of groundnuts for selling
1
growing of maize
1
growing of maize for sell
1
growing of maize for selling
4
growing of maize, groundnuts and soya beans
1
growing of rice
1
growing of sunflower
3
growing of sunflower and groundnuts
1
growing of sunflower for selling
1
growing of sunflower, soya beans and groundnuts for selling
1
growing of tomatoes
1
growing rape
1
growing sugar cane for sell
1
growing sweet potatoes
1
growing vegetables for sale
1
hair palating and saloon activities
1
hire out entertainment equipment
1
hire out tifany chairs and chilanga mulilo pots
1
landscaping and buy and sale
1
liquor bar
1
maize and rice farming
1
maize farming
2
maize grain
1
make tie and dye chitenge miterial
1
making and selling of fritas
1
making munkoyo
1
making tea
1
1
mobile money
1
mobile money banking
1
mobile money services
1
mobile money transactions
1
money lending
1
nail fixing
2
nd raw honey put in 20 litre backets
1
offers a laundry service at a fee within the community
1
1
outside catering
1
panel beating and spray painting
1
phone charging
2
photocopying and mobile money services
1
piggery. keeping pigs for sale
1
planting and watering
1
pool table
1
providing lodging services
1
raising of boiler chickens
1
raising of livestock
1
rearing pigs
1
1
1
1
1
1
1
retail sale of alcohol and transport
1
retail sale of beer
1
retail sale of bread
1
retail sale of maize grain
1
retail sale of paraffin
1
retail sale of various things
1
retail sale of vegetables
1
1
1
retail selling of cabbage and mealie meal
1
retail selling of fish like chisense
1
retail selling of petrol and lending money
1
retail selling of sweet potatoes
1
sale of azamwina
1
sales cassava mealie meal
1
sales salt and cooking oil
1
1
school shoes selling
1
1
sell of Rice
1
sell skin care products
1
1
selling (mukuyo)
1
selling charcoal
2
selling charcoal, braziers, fire lighting sticks,second hand handbags,ground nuts
1
selling chitenge materials in pieces
1
selling cigarettes
1
selling cut timba (amapulanga) at retail
1
selling diesel
1
selling dry and fresh cassava at retail
1
selling dry fish
1
selling fritters,tomato
1
selling goat meat to butcheries
1
selling groceries on retail
1
selling kapenta
1
selling livestock (pigs)
1
1
1
1
selling of charcoal by the road side
1
1
selling of cigarettes
1
selling of clothing and cosmetics
1
selling of cosmetics
1
selling of fruit trees at the road side
1
selling of groceries
1
selling of kapenta,eggs and tomatoes
1
selling of new clothes
1
selling of non alcoholic beverages
1
selling of pants
1
selling of perfumes in smaller quanties
1
selling of popcorns
1
selling of talk time for all networks
1
selling of tomatoes
3
selling of vegetables
1
selling phones, simcards, charges and talk time
1
selling popped popcorns in small plastics
1
selling raw honey packed in 20litre backets
1
selling soft drinks and water
1
selling the vegetables outside the shop
1
1
selling tomatoes
1
selling tomatoes and onions
1
selling vegetables
2
selling vegetables(rape and tomatoes)
1
sells cassava and groundnuts
1
sells cooking oil,salt,
1
sells dry fish from luangwa in bundles
1
sells freezits
1
sells goat meat in pieces
1
1
sells second hand clothes
1
sells the chicks after incubation
1
small goceries
1
spray painting
1
stationary
1
sun flower farming
2
supply differnt materials
1
transportation
1
vegtable,onion,Sweet potatoes and maize growing including soya
1
wholesale of fish to other towns and grocery
1
BD02Is this business registered with ..... local Authority
3985
78
1
Yes
517
2
No
3468
Sysmiss
78
3985
78
1
Yes
240
2
No
3745
Sysmiss
78
3985
78
1
Yes
99
2
No
3886
Sysmiss
78
BD02Is this business registered with Ministry of Finance/Courts?
3985
78
1
Yes
32
2
No
3953
Sysmiss
78
3985
78
1
Yes
618
2
No
3367
Sysmiss
78
BD02A. Why is the business not registered
3381
682
1
Complicated / difficult procedure
165
2
Cost is too high
95
3
Lack of registration fees
84
4
Tried but unsuccessful
6
5
I see no benefit
360
6
No time to register
94
8
No action will be taken against me
13
9
Business too small
1331
10
I don’t know about these regulations
1063
11
I don’t want them to know how my business is performing
25
12
Other (specify)
83
13
Refused to answer
62
Sysmiss
682
BD02S. Specify the reason the business not registered
0
0
BD03 Is this business registered with ZRA?
3985
78
1
Yes
289
2
No
3696
Sysmiss
78
BD03A. Why is the business not registered
3704
359
1
Complicated / difficult procedure
196
2
Cost is too high
105
3
Lack of registration fees
94
4
Tried but unsuccessful
12
5
I see no benefit
367
6
No time to register
94
8
No action will be taken against me
17
9
Business too small
1438
10
I don’t know about these regulations
1163
11
I don’t want them to know how my business is performing
68
12
Other (specify)
85
13
Refused to answer
65
Sysmiss
359
BD03S. Specify the reason the business not registered with ZRA
88
0
BUSINESS NOT ALLOWED
1
BUSINESS TOO SMALL TO BE REGISTERED
1
DONT WANT THEM TO KNOW MY BUSINESS
1
HAD A DRAWBACK THIEVES STOLE
1
ILLEGAL BUSINESS
1
It is considered illegal by authorities
1
JUST STARTED DOING THE BUSINESS
1
JUST STARTED THE BUSINESS
2
1
Just started
2
1
Just started the business
2
NO PROPER DOCUMENTATION yet
1
NOT AWARE THAT WE ARE SUPPOSED TO REGISTER THE BUSINESS
1
NOT SURE IF I WILL LAST LONGER IN THIS BUSINESS
1
1
Respondent is still recovering from an illness
1
TOO SMALL TO BE REGISTERED
2
The business just stated
1
There are no such facilities
1
Too small to be registered
1
about to start the process
1
because charcoal burning is illegal
1
because its a mobile business
1
because the business is seasonal
1
1
business is mobile business
1
business is not yet mature
1
1
don't
1
he is the process of registration
1
he was waiting to register with pacra first
1
in registration process
1
in the process
5
in the process of registration
3
its a vilage So they dont want attention From authorities
1
its not full time business
1
its to new
1
just started
1
just started operations
1
just started the business
2
lack of Awareness
1
lack of capital
1
1
my busiess is done online done
1
1
1
new business
1
no aware of it
1
no interest
1
no need
1
no one told me
1
no reason
1
not a zambian
1
not aware
1
not awareof the need to register
1
1
not willing
1
pay levy fees to the local authority
1
pays levies
1
recently started
1
scared because of the nature of the business
1
scared of registering the business
1
small farmer
1
small scale business
1
starting the process
1
still trying to figure out how she can manage the business
1
the business is too small to be registered
1
the company is to be registered in august 2022
1
this business has no specific selling place
1
was sick
2
we do not register gardens
1
1
white book has not been changed
1
will have it registered this year
1
will register after Pacra registration
1
3985
78
1
Family
931
2
Sole proprietor
2964
3
Partnership
82
4
Co-operative/Group
6
5
Corporate
2
Sysmiss
78
BD05 Do you have a written shareholding /partnership agreement?
96
3967
1
Yes
50
2
No
46
Sysmiss
3967
BD06 What is the percentage of your shareholding?
47
4016
15
95
50
17.111
BD07 What is your shareholding status in this business?
85
3978
1
Majority shareholder
27
2
Minority shareholder
11
3
Equal Shareholding
47
Sysmiss
3978
BD08 Are you involved in the day-to-day management of this business?
1033
3030
1
Yes
965
2
No
68
Sysmiss
3030
BD09 In which year did this business start operations?
3984
79
1912
2022
2014.599
8.563
BD10 Where is this business located?
3985
78
1
At home
1441
2
At the market
896
3
On the street or by the roadside
355
4
In a commercial area other than CBD
72
5
In an industrial/ factory site
18
6
No fixed location
353
7
Plantation/ farm/ garden
510
8
Virtual
2
9
Residential area other than own home
108
10
Central Business District
168
11
Other, specify
62
Sysmiss
78
BD10 What was the main reason why you started this particular business?
74
0
ALL ZAMBIAN BORDERS
1
ALONG THE HIGH WAYS
1
AT SCHOOL
2
At a school
1
At market and Home
1
At the habour
1
FRA
1
FRA SITE
1
FRA outside residential area
1
Food reseerve agency
1
Garden at the dam
1
Going around peoples homes
1
Locally and at the Central Business District
1
MOBILE-WALKING AROUND COMPOUNDS SELLING
1
MUFULIRA IN KANKOYO
1
Mobile
1
Ngambela area
1
On the lake
2
On the lake Bangweulu
1
Outside the district
1
Riverside
1
SELLS DOOR TO DOOR
1
THE RIVERSIDE
1
Takes to lusaka
1
1
1
at the Lake
2
at the border of zambia and congo and in solwezi
1
at the gardens side
1
at the work site
1
black mountain
1
by the banks of the zambezi river i the plains
1
1
chahinda market(lusaka)
1
chilenge (lusaka)
1
council main station
1
1
dont have a structure, just take to FRA to sell
1
exports through Lusaka coperatives
1
farm land
1
fishing hub
1
food reserve agency (FRA)
1
1
in another province
1
in the forest
1
just sales and delivers to people in bulk
1
kalulushi town
1
location not fixed
1
lusaka
1
1
mazabuka at the market
1
mobile business
1
on the lake shore
1
on the shores of the lake and main land
1
online business
1
1
out side the district
1
out the province in kasumbalesa
1
outside CBD but within the district
1
outside the city
1
outside the district
1
pack in 50kg and transport to FRA
1
resettlement
1
sales in lusaka
1
school area
1
selling fish at home;maize outside home
1
supplies food reserve agency
1
supply to FOOD RESEERVE AGENCY
1
takes to the millers
1
town centre
1
vending
1
BD11 Who owns the premises of this business? Single Responses
3310
753
1
Owners of this business
1357
2
Private landlord
535
3
Family
604
4
Government/municipality
716
5
Commercial entity
43
6
Other, specify
55
Sysmiss
753
BD11 Who owns the premises of this business? Single Responsess?
58
0
AT A FRIEND's PLACE
1
At the habour
1
COMMUNITY
7
Community
2
Customary land
1
HIS A CARE TAKER AT THIS FARM
1
ITS AN ONLINE BUSINESS
1
Mobile business
1
NO FIXED LOCATION AS SHE MOVES AROUND
1
NO FIXED PLACE FOR TRADING, THE BUSINESS IS MOBILE
1
NO ONE (MAN MADE LAKE)
1
Open Space
1
RENTING FROM THE VILLAGE
1
ROADSIDE MARKET
1
Road side
1
TRADITIONAL LAND
1
Traditional land
1
VILLAGE MARKET
1
along the road
1
along the road at luangwa bridge
1
at the Lake
1
brother inlaw law
1
community
4
community market not owned by the government but villagers
1
customary land
1
home
1
home(fish) and self delivery to FRA
1
mine market
1
mobile
2
mobile business
1
move to different buyer's
1
my friends place
1
my own farm or land
1
no one
2
no premises
1
online business
1
owers of the households
1
1
owners of the project
1
part of it is rented and another part business owned
1
1
1
1
traditional land
1
village intiative just created
1
zmarths
1
BD12 Type of structure business operating from
3298
765
1
Permanent
1377
2
Semi - Permanent e.g. Booths Airtel, Zamtel, MTN
115
3
Temporary
265
4
No structure/open
1484
5
Mobile e.g. Vehicle, Cart
39
6
Other Specify…
18
Sysmiss
765
BD12 Type of structure business operating from
24
0
Home, verandah when client is Buying
1
Makeshift stand
1
My house
1
ON MARKET TABLES
1
do not have any structure just take to fra
1
farm land
2
home based
1
in the bush
1
in the house
2
its a farm
1
its mobile, she moves door to door
1
1
land
2
no structure
1
no structure,after yielding just take to FRA
1
nothing
1
stand
2
stands in a shade
1
temporal stand
1
they store in their house
1
BD13 What were you mainly doing before you began this business?
3985
78
1
Unemployed
1186
2
Home maker (Wife/Husband)
878
3
In school, at various levels
192
4
Employed in public sector
246
5
Employed in a similar line of business
115
6
Employed in a different line of business
429
7
Owned and ran a similar business
185
8
Owned and ran an enterprise in another line of business
536
9
Others specify….
218
Sysmiss
78
BD13 What were you mainly doing before you began this business?
232
0
BRICK LAYING
1
Charcoal burning
1
DOING SUBSISTANCE FARMING
1
E
1
EMPLOYED AS A MAID
1
EMPLOYED AT TBZ
1
Employed as a maid
1
Employed as maid
1
FARMI
1
FARMING
1
FARMING FOR CONSUPTION
1
Farmed for home consumption only
1
Farming
10
1
2
Farming Maize
1
Farming businesses mainly growing of maize
1
Farming cassava for home consumption
4
2
Farming for home consumption
5
Farming for survival
1
Farming maize
1
Farming maize for consumption
1
Farming maize for home consumption
1
GARDENING
1
Gardening
1
Grew up doing this .. so have never
1
INVOLVED WITH GENERAL TRADING
1
MATHS TUITOR
1
Moneylender
1
Nothing
2
1
Peasant farmer
3
SUBSISTENCE FARMER
6
1
Subsistence farm
1
Subsistence farmer
2
Subsistence farming
3
THE WIFE WAS A HOMAKER AND HUSBAND
1
Trading of dry chisense
1
USED TO
1
WAS WORKING FOR TBZ
1
Was busy with Bicylce reparing
1
bricklaying part time
1
burning
1
car machanic
1
car mechanic
1
charcoal burning
1
crop farming
2
1
doing a business in a different line
1
doing agricultural business of selling maize
1
employed in NGO
1
employed in government
1
employed in parastatal
1
employed in private sector
2
1
emplyed as a garden boy at Mutanda farm
1
far
1
farm care taker
1
farmer
3
farming
24
1
1
1
farming cereals
1
farming eg growing of maize and cassava
1
farming for family consuption
1
farming for home consumption
6
farming for home consuption
1
farming for homeuse
1
farming just for home consumption
1
farming of home consumption
1
farming pigs
1
farming such as growing maize and cassava
2
1
fisherman
1
gardening
6
government employee
1
growing cassava and sweet potatoes
1
growing maize for home use
1
growing tobaco
1
he is working in a similar line of business
1
he wasn't born yet but now heis the one running the business
1
influenced by others
1
insurance company (african life insurance)
1
just as house wife
1
just farming
1
1
maid
1
maize crop farming
1
1
1
mushroom business
1
1
1
1
owned a restaurant
2
owned a retail shop
1
part time worker at Food Reserve Agency
1
pastor
1
peace working
1
1
1
preacher
1
ran a family business
1
retired
1
run another type of business
1
school girl
1
1
1
selling beans and charcoal
1
selling chickens boilers live
1
selling clothes
1
selling rice
1
1
she was a charcoal burner
1
still a pastor
1
still employed
2
studing
1
studio production
1
subsistance farmer
1
subsistance farming
2
subsistence farming
3
supplying meat to somalians
1
to help out at home
1
1
used to sale goats and village chickens
1
used to sell beer
1
used to sell cow meat at the market
1
volunteer at chawama clinic
1
was a fish monger
1
1
was doing farming of maize
1
was doing nothing
1
was doing saloon business
1
was employed short contracts
1
was farming
3
was into farming
1
was into farming business
1
was just a peasant farmer
1
was just farming
1
was just farming for homeuse
1
was just growing maize to eat
1
1
1
was selling bananas in town
1
was selling fish
1
was selling fritters
1
was selling local beer
1
was selling nakonde rice
1
1
1
we grew up in this line of business as a family
1
worked as a maid
1
1
working for fsmily
1
working in the farm with parents
1
BD14 What was the main reason why you started this particular business?
3985
78
1
Prefer self-employment
489
2
Better income
1297
3
Could not find employment
371
4
Influenced by advertisement
3
5
High demand/ ready market
120
6
Advised by others
125
7
Family has worked in this business
128
8
Skilled in this activity
57
9
To earn supplementary income
1115
10
Passion
158
11
Other specify….
122
Sysmiss
78
BD14 What was the main reason why you started this particular business?
125
0
Admired fishing
1
After the death of husband
1
BECAUSE OF THE ACDIDENT..LEG AMPUTATED
1
COVID 19 PANDEMIC
1
CREATE EMPLOYMENT
1
DEVELOPMENT OF GDP
1
DREAMT LATE PARENTS TOLD HIM TO START
1
DUE TO RETIREMENT
1
Had challanges to Provide for my Baby after Divorce
1
1
Husband ran away and left me with children,
1
Medical Report
1
NO JOB SECURITY
1
PROVIDE EMPLOYMENT TO OTHER PEOPLE
1
PROVIDER GOT VERY SICK
1
Power in charcoal selling was diminishing
1
Previously was selling beers, stopped due to church regulati
1
RETIRED
1
Retired from being a nurse
1
THE BUSINESS NEEDED SMALLER CAPITAL
1
THE BUSINESS WE WERE DOING COLLAPSED AND STARTED THE CHARCOA
1
TO EARN MONEY FOR THE FAMILY
1
TO TAKE OF MY RETIREMENT
1
The shop and all the goods got burnt
1
To earn a living
14
after death of hubby
1
after divorce needed to earn a living
1
after husband got disabled
1
1
change of location
1
chicken rearing
1
company was closed
1
1
1
death of husband lead start of business
1
due to illness
1
due to poverty
1
due to the death of the husband
1
for self sustainance
1
for sustainance
3
got tired of farming
1
had to find means to survive after the divorce
1
hased by the husband then went back to the village Farming
1
he was stoped from working due to covid 19 pandemic
1
1
1
husband died
1
in order to raise money for the children
1
in order to take care of parents at the farm
1
its a means of income
1
1
loss of her husband s jo
1
loss of husband
1
lost employment
1
lost interest in school
1
lost interest in school and thought it was wasting my time
1
lost my parents and lacked sponsorship
1
market demand
1
my family failed to take me to school
1
my husband died and had no option
1
needed to raise money to feed the family
1
no ready market for the previous business
1
none
1
1
poverty
3
raise money to feed the family
1
retired from employment
1
self sustainance
5
separated from husband
1
she used to sale salaula, then the money was stolen
1
sustainance
5
t
1
the capital became too low to buy flour
1
the previous business had no market
1
thieves broke in my shop and store all the groceries
1
1
1
to earn a living
14
to earn money for a living since she is not employed
1
1
1
to gain a better living
1
to help me raise money for my tertiary education
1
to raise money for school fees
1
too many suppliers of the previous business
2
unemployment : company closed down
1
EMP01 Does this business currently employ / have one or more employees
3985
78
1
Yes
661
2
No
3324
Sysmiss
78
EMP02 Full time employees
663
3400
0
52
1.863
3.845
EMP02 Part time employees
663
3400
0
544
1
52
2
29
3
12
4
6
5
4
6
5
8
3
9
1
10
4
12
1
25
1
50
1
Sysmiss
3400
EMP02 Temporal/Casual employees
663
3400
0
450
1
49
2
51
3
33
4
17
5
10
6
6
7
6
8
5
10
13
13
2
15
6
20
10
25
1
30
1
32
1
40
1
100
1
Sysmiss
3400
661
3402
1
100
4.189
7.149
661
3402
0
50
2.903
4.957
661
3402
0
378
1
142
2
57
3
27
4
14
5
14
6
7
7
4
10
4
11
2
13
1
14
1
15
1
17
2
18
3
20
2
30
1
55
1
Sysmiss
3402
EMP05 Does your business have seasonal demand for employment?
661
3402
1
Yes
252
2
No
409
Sysmiss
3402
EMP06 Do you engage extra workers to meet the seasonal demand for employment?
255
3808
1
Yes
191
2
No
64
Sysmiss
3808
S01 What was the main source of start-up capital for your business?
3985
78
1
Cooperatives
25
2
Government
11
3
NGOs/Charity funds
12
4
Chilimba/Village Bank
42
5
Microfinance Institution
13
6
Bank
19
7
Money Lender
32
8
Family/Friend
901
9
Own funds
2908
10
Other non-bank financial service provider
14
16
Other, specify...
4
20
Outgrower Scheme
4
Sysmiss
78
S01 OTHER SPECIFY
84
0
Business didn't require any
1
1
Farming
1
Fishing
1
1
From own farm
1
GIVEN BY HUSBAND
1
1
He for a target
1
I didn't use any capital
1
INHERITED THE HOUSE
1
Just started burning charcoal
1
MONEY FROM DECEASED HUSBAND
1
NO CAPITAL NEEDED
1
NO NEED FOR STARTUP CAPITAL
1
NONE
3
NOT YET
1
Never had capital just started
1
No money was involved
1
No statt up capital
1
Non
1
None
9
Nothing
1
Nothing gets sand from river
1
OWNER OF THE VEHICLE
1
Own produce
1
Pension and bank loan
1
RAW CASSAVA FROM HER FIELD
1
SOLD MILLET MEANT FOR HOME CON
1
THEY JUST PICK STONES WITHOUT
1
TPL. TOBACCO PROCESSING LTD
1
TREES
1
1
Tobacco processing limited
1
Tools used to buy when working
1
barter system,clothes and gras
1
benefits from napsa
1
1
1
did a piece work
1
did piece works
1
did some peace work
1
did use any money to start it
1
didn't use any capital
1
employed as a house help
1
farming of agricultural produc
1
1
from a customer
1
from husbands benefits
1
1
got materials from her garden
1
he had no capital as he only
1
it was not in monetary form
1
man power
2
no capital
3
no capital involved
1
no capital, got own farm produ
1
no capital,sells own produce
1
none
1
nothing
1
own produce
2
own production
1
private tobaco companies
1
profit from rice sales
1
salary from previous employmen
1
selling of own agricultural p
1
she started by plaiting hair,
1
silk
1
1
zafico funds
1
S02 In what form was the start-up capital for your business?
1077
2986
1
Loan
177
2
Gift/Grant
874
9
Other, specify...
26
Sysmiss
2986
S01 OTHER SPECIFY
85
0
Borrowed
5
Borrowed from a friend
1
Borrowed from friend
1
Borrowed from friends
1
CHILIMBA
1
CHILIMBA MONEY
1
CHILIMBA OR VILLAGE BANKING
1
CONTRIBUTIONS
1
F
1
Farming
1
GOVERNMENT SALARY
1
1
HU
1
HUSBANDS SICK ALOWANCE
1
Husband catches fish
1
INHERITANCE
1
My Son gave me money
1
NO CAPITAL NEEDED
1
NO START CAPITAL NEEDED
1
NONE
3
NOT YET
1
Natural raw materials
1
No Capital
1
No capital involved
1
Non
1
None
6
None capital own harvest
1
Not start up capital
1
Nothing
2
Purchased
1
1
Sold own produced maize
1
1
Through farming
1
USED TREES TO START THE BUSINE
1
VILLAGE BANK
1
WORKED FOR THE SAME MONEY
1
barter system, no cash
1
cash
1
cash from customers
1
contributed money
1
farm produce
1
first deposit
1
from selling farm products
1
husbands benefits afterhe die
1
i just cut bamboos for free
1
inherited seed from parents
1
it was not in monetary form
1
just from plaiting
1
leave benefits
1
man power
2
money
1
money from parents
1
money from rice sales profit
1
money from savings group
1
no capital
3
no capital used
1
no loan
1
none
3
nothing
1
own produce
3
salary from her former job
1
saved the money
1
selling flours
1
sold own produced beans
1
wage
1
S03 Was this startup capital in...?
1077
2986
1
Monetary
825
2
Non-Monetary
252
Sysmiss
2986
S04 How much was the start-up capital for your business?
3693
370
0
900000
6733.904
40599.835
S05 Does your business have records of income, expenditure, assets and liabilities?
3985
78
1
Yes
1224
2
No
2761
Sysmiss
78
S06 How do you record?
1224
0
A
90
AB
43
ABC
12
ABCDE
1
ABCE
2
ABE
1
ABF
1
AC
2
B
945
BC
54
BCD
3
BCDE
1
BCE
1
BD
12
BE
8
C
13
CD
1
CDE
2
D
20
DE
2
E
5
F
5
S06 Other Specify
6
0
book and computer
1
on the wall
1
phone
1
she does it on the phone
1
stock sheets
1
they record in the phone
1
S07 Who manages your business' financial records
1224
2839
1
I do it myself
1086
2
Bookkeeper / Accounts assistant
26
3
Accountant
20
4
A friend
8
5
A family member
72
6
Other (specify)
12
Sysmiss
2839
S07 OTHER SPECIFY
12
0
MANAGER
1
Member of staff
1
SHOP KEEPER
1
TREASURER
1
The Person Selling
1
Worker
1
an employee
1
bar manager
1
farm manager
1
my worker
1
the senior teacher
1
the whole family
1
S07B Is this person trained to manage financial records?
1183
2880
1
Yes
111
2
No
1072
Sysmiss
2880
S08 Are these financial records audited/checked annually by an accredited accountant?
1224
2839
1
Yes
52
2
No
1172
Sysmiss
2839
S09 What is the main reason your business does not have records of income, expenditure, assets and liabilities?
2762
1301
1
I do not see the need to
969
2
Know everything off my head
1317
3
Do not know how to do it
411
4
Fear recording confidential information
8
6
It is costly
33
7
Other specify…
24
Sysmiss
1301
S09 OTHER SPECIFY
62
0
1
Because its Hand to mouth
1
Business is small
1
Business still small
1
Business too small
2
Doesn't know how to write
1
HAND TO MOUTH
1
HE DOES NOT HAVE THE KNOWLEDGE
1
I DONT HAVE THE INTEREST
1
IMMATURISM
1
Just started this business
1
Just starting
1
Money comes and pumped back in
1
Money is used immediately
1
NO PROPER RECORD KEEPING
1
1
SEE MESSGES IN SIM
1
Stopped recording
1
THE MONEY IS USED IMMEDIATELY
1
We only Work by order
1
YET START RECORD
1
accountant does it
2
all my records were bent in fi
1
because of sicknesses
1
1
1
business has gone down
1
business is still small
1
business small
1
business still small
1
business too small
3
busy person
1
do not see the need
1
does not just want
1
does not pay attention
1
financial challenges
1
i dont just record
1
i dont know how to write
1
i dont think its important
1
just keep receipts
1
just learnt of it and will sta
1
just never thought about it
1
left someone else in charge
1
money is used instantly
1
no need
1
no reason
2
no time
1
none
1
she stopped recording
1
small business
1
still growing the busniess
1
still working on it
1
1
the business is small
1
the business is too small
1
the income is very minimal
1
used to record but not anymore
1
BP01 Do you monitor or measure your business performance?
3984
79
1
Yes
3497
2
No
487
Sysmiss
79
BP02 In the last 12 months, has your business expanded, remained the same or declined?
3984
79
1
Expanded
1569
2
Remained the same
1366
3
Declined
1049
Sysmiss
79
BP03 How did you know that your business has expanded?
1589
0
A
415
AB
183
ABC
6
ABCDEHIJ
1
ABCDHI
1
ABCDJ
1
ABCH
3
ABD
7
ABDE
1
ABDEHJ
1
ABDEHJK
1
ABDH
5
ABDHJ
3
ABDI
1
ABE
9
ABEG
1
ABEGHJ
2
ABEGHK
1
ABEH
5
ABEHI
1
ABEJ
2
ABF
1
ABFH
1
ABFHI
1
ABFHJ
1
ABG
3
ABGHJK
1
ABGJ
1
ABH
55
ABHI
3
ABHJ
12
ABHJK
1
ABHK
2
ABHL
1
ABI
3
ABIJ
1
ABJ
45
ABJK
3
ABK
5
AC
2
ACD
1
ACDH
1
ACE
1
ACEH
2
ACH
4
ACHJ
1
ACI
1
ACJ
1
AD
13
ADE
3
ADEH
1
ADEHJ
1
ADEJ
1
ADFH
1
ADFHJ
1
ADH
19
ADHIJ
1
ADHJ
6
ADHJK
1
ADHK
3
ADJ
9
ADK
1
AE
17
AEF
3
AEFH
1
AEGH
1
AEGHI
1
AEH
14
AEHJ
3
AEHJK
2
AEHK
1
AEI
1
AEIJK
1
AEJ
7
AEJK
1
AEK
1
AF
3
AFH
1
AFJ
1
AG
1
AGH
4
AGHJ
2
AGJ
1
AGJK
1
AH
92
AHI
2
AHIJ
1
AHJ
31
AHJK
6
AHK
8
AI
2
AIJ
2
AJ
92
AJK
3
AK
4
AL
2
B
122
BC
1
BCDEHIJ
1
BCEJ
2
BCH
1
BCHIJ
1
BCHJ
1
BD
11
BDE
1
BDH
1
BDHI
1
BDJ
10
BE
2
BEGH
1
BEH
1
BEHJ
1
BF
1
BFI
1
BG
1
BGH
2
BH
29
BHI
2
BHIK
1
BHJ
11
BHJK
2
BHK
1
BHL
2
BIJ
1
BJ
30
BK
2
BL
3
C
6
CDH
1
CDIJ
1
D
2
DE
2
DEH
1
DEJ
1
DH
4
DJ
1
E
5
EFH
1
EGH
1
EH
8
EHJ
2
EIJ
1
FJ
2
GH
1
H
41
HIJ
1
HJ
23
HJK
1
HK
3
I
2
IJ
1
J
50
JK
1
L
1
BP03 How did you know that your business has expanded? . OTHER SPECIFY
9
0
Quantity been ordered
1
assets have increased
1
increased in number of crates
1
increased in number of orders
1
increased number of chickens
1
increased orders
1
increased orders of vegetables
1
increased total of float, cash
1
managed to open another busine
1
BP04 How did you know that your business has declined?
1059
0
A
236
AB
88
ABC
2
ABCD
1
ABCHI
1
ABD
13
ABDEI
1
ABDFG
1
ABDG
2
ABDI
3
ABDIL
1
ABDL
2
ABE
2
ABEH
1
ABEK
1
ABEL
1
ABG
17
ABGI
2
ABGL
6
ABH
1
ABI
13
ABIL
1
ABK
3
ABL
7
ACG
3
ACGI
1
ACH
1
AD
18
ADE
1
ADF
2
ADG
11
ADGH
1
ADGI
2
ADGK
1
ADGLK
1
ADH
1
ADI
9
ADL
2
AE
4
AEFG
1
AEG
3
AEGI
1
AEI
2
AFGI
1
AFGL
1
AFL
1
AG
39
AGH
1
AGI
12
AGK
3
AGL
8
AI
33
AIK
2
AIL
3
AK
9
AL
4
B
123
BC
2
BCDG
1
BCDLK
1
BCGI
1
BD
11
BDFGHIL
1
BDG
6
BDGI
1
BDI
1
BE
3
BEF
1
BEL
1
BFIK
1
BG
17
BGH
1
BGI
5
BGIL
1
BGK
1
BGL
1
BH
1
BI
15
BIL
2
BK
5
BL
4
CGHI
1
D
30
DEI
1
DG
10
DGL
1
DI
12
DK
1
DL
1
E
5
EG
2
EI
2
EK
1
EL
1
F
3
FGI
1
FIL
1
FL
1
G
40
GHL
1
GI
11
GIL
1
GK
4
GL
5
H
1
HL
2
I
65
IK
5
IL
7
K
34
L
14
BP04 How did you know that your business has declined? Others specify
83
0
1
Because i have an operation
1
1
COVID 19 PANDEMIC
1
DECLINED BECAUSE OF COVID 19
1
DISEL IS EXPERNSIVE
1
1
Due to droughts
1
1
FEW CUSTOMERS
1
FISH CATCH HAS GONE DOWN
1
I FELL SICK, I COULD NOT WORK
1
LACK OF MARKET PLACE
1
MARKET TOO COMPETITIVE
1
MISMANAGEMENT OF FUNDS
1
MODERN TECHNOLOGY WITH NEW VEH
1
Order price getting expensive
1
POLITICAL INFLUCED MINES
1
1
1
SPENT ALL MONEY TO SCHOOL FEES
1
THEIFING
1
TREES HAVE FINISHED
1
Too many competitors
1
1
abrupt power disruption
1
application of the dollar
1
because of the cold weather
1
capital was stolen
1
climate chage (droughts)
1
climate change
1
credit payments from customers
1
customers dont pay on time
1
decline in demand
1
decreased in orders of kapenta
1
delay in payments from credito
1
demand for day old chicks have
1
due to illness
1
had tomc
1
hi
1
1
high cost of order for clothes
1
increase in goods prices
1
it has not declined
1
lack of fertilizer
1
lack of funds
1
less production due to an illn
1
lost mechandise in the fire
1
lost most of the crop
1
no capital
1
no customers
1
no enough materials
1
no money for fertiliser
1
no proper protection no securi
1
non payment
1
old age
2
people are delaying to pay
1
poltical inclined Tenders
1
poor rainfall experienced
1
ran out farming tools
1
redu
1
reduced number of goods
1
reduction in supply of milk
1
reporting losses in the sales
1
she became pregnant so she wor
1
she is growing old (Aging)
1
so many people in this busines
1
some customers fail to pay bac
1
stiff competition
1
the rain pattern because
1
theft
1
thieves stole in my small shop
1
too many family responsibiliti
1
too many suppliers
2
too much competition
1
too much competition in the bu
1
too much shortage by his broth
1
transport cost
1
uses firewood to make and its
1
very busy at the farm
1
was sisck so it slowed down
1
BP05 What is your short term (3 year) plan for your business
3984
79
1
Yes
3640
2
No
344
Sysmiss
79
BP05a If you intend to expand your business in three years’ time, would it be…?
3648
415
1
In the same line of bussines
2395
2
In different line of busines
712
3
In both, the same line of business and different line of bus
541
Sysmiss
415
BP06 What sector would you like to expand into?
1257
0
AF01 Since 2017, have you applied for a loan for business?
3985
78
1
Yes
319
2
No
3666
Sysmiss
78
AF01A.Why have you not applied for a business loan since 2017
3668
0
A
313
AB
7
ABC
9
ABCD
2
ABCDEFHIJL
1
ABCF
2
ABCFG
1
ABCL
1
ABCLM
1
ABD
2
ABF
4
ABFG
6
ABFGK
1
ABFGL
3
ABFL
1
ABG
4
ABGKL
1
ABGL
1
ABH
1
ABL
2
ABLO
1
ABM
1
AC
10
ACD
1
ACDFG
1
ACDHL
1
ACDO
1
ACEFG
3
ACF
20
ACFG
7
ACFL
4
ACFLM
1
ACG
5
ACGM
1
ACI
1
ACIJ
1
ACJ
2
ACK
2
ACL
4
ACO
1
AD
6
ADF
4
ADFGM
1
ADG
1
ADGL
1
ADI
1
ADIM
1
ADL
2
AE
1
AEF
5
AEFL
1
AF
130
AFG
54
AFGI
1
AFGK
4
AFGKL
1
AFGKO
2
AFGL
6
AFH
1
AFI
1
AFK
7
AFKO
1
AFL
15
AFLM
2
AFM
3
AG
75
AGH
2
AGHIK
1
AGI
1
AGK
6
AGKLO
1
AGL
4
AGLM
1
AGM
1
AH
1
AI
3
AK
18
AKL
4
AKLM
1
AL
57
AM
3
AO
2
B
12
BC
10
BCD
1
BCDF
1
BCF
4
BCFL
1
BCG
2
BCH
1
BCK
1
BDF
2
BDFG
2
BDFO
1
BDG
1
BF
7
BFG
14
BFGK
1
BFGM
1
BFL
2
BG
9
BGI
1
BGL
1
BJ
1
BK
2
BKL
1
BL
1
BM
1
C
104
CD
23
CDE
1
CDF
6
CDFIL
1
CDFM
1
CDG
1
CDK
1
CE
2
CF
52
CFG
30
CFGL
1
CFI
2
CFL
7
CFM
1
CFO
2
CG
21
CGH
2
CGI
1
CGKL
1
CGL
3
CGM
1
CH
1
CI
7
CIK
2
CK
7
CKL
1
CKLM
1
CL
8
CM
6
CO
1
D
27
DE
2
DF
7
DFG
5
DFK
1
DFKL
1
DFL
1
DG
6
DGKL
1
DH
1
DHJ
1
DI
1
DJL
1
DK
3
DL
2
DM
1
E
2
EF
1
EFGL
1
EFI
1
EFIJ
1
EFL
2
EFM
1
EGO
1
F
224
FG
51
FGILM
1
FGK
6
FGKL
1
FGL
3
FGM
2
FGO
2
FH
2
FHJKL
1
FI
5
FIL
1
FJ
1
FK
15
FKL
2
FL
19
FLM
1
FLO
2
FO
14
G
219
GH
7
GI
6
GIL
1
GJ
3
GK
26
GKL
4
GL
14
GM
1
GO
7
H
3
I
24
IK
3
IKL
1
IL
1
IM
1
J
4
JK
2
K
206
KL
21
KLM
1
KO
5
L
127
LM
2
LO
5
M
9
N
570
NP
19
O
217
P
492
AF01A.Why have you not applied for a business loan since 2017
275
0
1
AWARENESS LACKING
1
Afraid of getting arrested in case of failure to pay back
1
Already has a loan running
1
Am not used of getting loans
1
Apparent no reason
1
Can't find who give
1
DO NOT KNOW WHERE TO SOURCE THE LOAN
1
DONT KNOW HOWBTO GO ABOUT IT
1
DONT KNOW WHERE TO GET A LOAN
4
Did not know about loans
1
Don't know where to get loan
1
1
1
Dont know where to get
1
FEAR OF CREDITS
1
FEAR TO GET ALOAN
1
1
Fear credits may not manage to pay back
1
Fear loan
1
1
1
Fear that i fail to pay back
1
Fear that its only for employed
1
Fear that money not be paid back
1
Fear to be arrested in case of default
1
Fear to fail pay back
1
Fear to pay back
1
1
I can't get a loan because am no in government
1
IT HAS NEVER CROSSED MY MIND
1
Iam not ready
1
Just started this business
1
LACK INFORMATION
8
LACK OF INFORMATION
5
LUCK OF INFORMATION
4
Lack of access to affordable finance
1
Lack of information on how to go about it
1
Low bussines
1
1
NO ACCES
1
NO INFORMATION
1
NO INFORMATION FOR THIS FINANCIAL SERVICE
1
NO KNOWLEDGE ABOUT LOANS
1
NO OPORTUNITY
1
NO OPPORTUNITY TO GET A LOAN
1
NO SURETY
1
NOT AWARE OF BUSINESS LOANS
1
NOT USED OF GETTING LOANS
1
NOT YET SETTLED IN BUSINESS
1
No acces to the intormation On how you get
1
No access to affordable finance
1
1
Not given an opportunity
1
RISK
1
SCARED MAY NOT BE ABLE TO PAY BACK THE LOAN
1
SCARED OF HOW TO PAY BACK THE MONEY
1
SCARED OF LOANS
1
SCARED OF NOT AFFORDING TO PAY BACK THE MONEY
1
SCARED THAT SHE MAY FAIL TO PAY BACK
1
Scared may not manage to pay back
1
Scared of how to pay back the money
1
Scared to get a loan
1
She fears that she won't be able to pay back
1
Short period to start repaying the loan
1
THEY ONLY OFFER CIVIL SERVANTS
1
TOO SCARED TO BORROW
1
1
1
Think that not qualified
1
WAS NOT INTERESTED
1
Was away from home..
1
Was in formal employment, so i was comfortable with salary
1
afraid of repaying the loan
1
am afraid of loans
1
and fear of default
1
applied before 2017 but was not approved
1
banks do not understand unforseen incident
1
because am not a citizen
1
because of being a refugee
1
because the privous loan wasn't successful
1
1
1
business is the still small
1
delayed to receive information about loaning sources
1
do not know how to go about it..
1
do not like credits
1
do not like loans
1
does not have information of where to apply
1
does not have registration card
1
does not know hoe to write
1
does not know how to apply and where to go
1
does not know how to go about it
1
does not know how to write a loan letter
1
does not know where to apply
1
does not like loans
1
doesn't know that such exits
1
1
doesnt know where to apply for a loan from
1
doesnt know where to obtain a loan from
1
1
don't even know how and where to apply for a loan
1
don't have information of where to get it
1
don't have knowledge on how to go about it
1
don't know how and where to get it
1
don't know where to apply
1
don't know where to get house loan
1
don't know where to go and apply
1
don't know where to go if I want to apply
1
dont have an knowledge abouts loans
1
dont have idea on how to go about it
1
dont have the full information about loans
1
dont how to get the loan
1
dont know how
1
dont know how and where
1
dont know how to go about it
1
dont know that a person can apply for loan
1
1
dont know where loans are offered
1
dont know where to get it
1
dont know where to get the loans
1
fear
1
fear being jailed
1
fear incase you fail to pay back the loan they get your HOUS
1
fear maybe i fail to return i can be in problems
1
fear of default
6
fear of defaut
2
fear of having a loss which may result in failing to pay bac
1
fear of losing money
1
fear of making a loss when she fails to pay
1
fear of paying back
1
fear of repaying
1
fear of repaying the loan
1
fear to be prisoned
1
fear to default and get arrested
1
fear to get a loan
1
had enough capital
1
1
have fear maybe you fail to repay
1
have just started
1
have no access to loan
1
he dies not know how to write
1
he does not know how to apply
1
he was very busy
1
i a, just hearing about it now
1
i am just getting started
1
i didn't that i can qualify
1
i don't have a payslip
1
i don't know how to do it
1
i don't know the procedure and where to get it
1
i don't know where to apply
1
i don't know where to get it
2
i don't known where to get it
1
i dont have thr financial discipline.
1
i dont know about. no information
1
i dont want to go to jail
1
i fear loans because ifbl fail to pay they will arest me
1
i have had no opportunity for a business loan
1
i have no idea where to even start from
1
i have not heard of such things
1
i only know that people who can get a loan are government of
1
if i fail to pay back i can have a problem
1
1
1
1
its just a supplement of a business
1
just started business
1
just started the business
1
1
l don't know anything about loans
2
1
lack information
1
lack of information
2
lack of knowledge about lending institutions
1
lack of knowledge and expertise
1
lack of storage facility
1
little knowledge on how to get a loan
1
loans give pressure
1
may not be able to pay back
1
1
ni information about where to get it
1
no access
2
1
1
no credit facilities
1
no idea
2
no information about how go access the loan
1
no information about where to get it
1
no knowledge
3
no knowledge and not aware
1
no knowledge of it
1
no knowledge of where to apply
1
no knowledge of where to get it
1
no loan facilities in my area
1
no loan facilities in the community
1
no loan services in my community
1
no loans to apply for
1
no much information on how to get a loan
1
no one offers loans here
1
no one to assist me
1
no one to assist me and I don't know where to get it
1
no one to assist me and don't know where to get it
1
no such services in my community
1
no to assist me
1
non availability of institutions offering loans
1
not aware
1
not aware of institutions/people who offer loans
1
not aware of the facility
1
not familiar
1
not knowing some or most of the lending firms
1
not knowing that they could getit and where
1
not knowing where to apply to
1
not ready for it
1
1
1
scared of debt
1
scared of getting a loan
2
scared of getting a loan because they grab household items
1
scared of loans
1
1
scared to be arrested incase of defaulting
1
scared to default and get arrested
1
scared to get one
1
1
1
she doesn't know how
1
she doesn't know how to go about it
1
she doesnt know how to write an application
1
she has no plans of applying a loan
1
she is not doing the business full time
1
1
1
still paying for the loan i got to buy a bus
1
still servicing the previous loan
1
still serving my previous loan
1
submitted the application very late
1
the husband dont allow
1
there is nowhere I can get a loan here
1
1
this is when they have introduced the credit facilities
1
thought loans are given to government workers only
1
tried but
1
1
when you apply the nsme does not come out
1
AF02 How many times have you applied for a loan for business since 2017?
319
3744
1
173
2
79
3
43
4
12
5
9
6
1
7
1
8
1
Sysmiss
3744
AF03 How many times have you been successful in obtaining a loan for business since 2017?
319
3744
0
69
1
149
2
45
3
36
4
11
5
8
8
1
Sysmiss
3744
AF03A Do you have a loan for your business that you are currently repaying?
250
3813
1
Yes
129
2
No
121
Sysmiss
3813
AF03B How much did you borrow?
250
3813
15
210000
16056.96
34685.915
AF04 When was the last time you applied for a loan for business?
319
3744
1
2017
15
2
2018
27
3
2019
35
4
2020
45
5
2021
99
6
2022
98
Sysmiss
3744
AF05 The last time you applied for a business loan, were you successful?â€
27
4036
1
Yes
18
2
No
9
Sysmiss
4036
AF06 When was the last time you successfully obtained a loan for business?
9
4054
1
2017
2
2
2018
3
3
2019
1
4
2020
2
5
2021
1
6
2022
0
Sysmiss
4054
AF07 Where did you obtain the last loan for business?
250
3813
1
Cooperative
17
2
NGO
18
3
Government scheme
4
4
Bank
49
5
Money Lender
38
6
Microfinance institution such as Bayport, FINCA, Goodfellow,
77
7
Village bank/ saving group
31
8
Family/Friends
2
9
Multinational Development Bank such as Africa Development Ba
0
10
Other
14
Sysmiss
3813
AF07 OTHER SPECIFY
15
0
AB BANK
1
AGOLA but still pending
1
AGORA
1
MTN MOBILEMONEY
1
Name of institution is Igola
1
UNHCR
1
Village bank
1
Vision fund
2
ZANGA ZIKWANA
1
agola
1
micro loan
1
mtn mobile phone money
1
name of institution is Igola
1
unity finance
1
AF08 Which Government scheme did you obtain the loan from?
4
4059
1
Youth Empowerment
1
2
Citizens Economic Empowerment Commission (CEEC)
2
3
Public Service Pension Fund (PSPF)
0
4
Public Service Microfinance Company
0
5
Zambia Development Agency (ZDA)
0
6
Other
1
Sysmiss
4059
AF08 OTHER SPECIFY
1
0
zampam
1
AF09 The last time you were successful in obtaining a loan for business, what was it mainly used for?
250
3813
1
Purchase of machinery, tools
39
2
Restocking products or livestock
120
3
Physical expansion/opening more branches or businesses
32
4
Operating expenses (salaries, etc.)
9
5
To repay another loan
2
6
To purchase land/ building
16
7
Other
30
8
Not Stated
2
Sysmiss
3813
AF09 OTHER SPECIFY
32
0
BOUGHT AGRICULTURAL INPUTS
1
BUILDING THE SCHOOL ABLUTIONS
1
BUYING WIGS
1
1
Bought kitchen unit
1
Expanding business
1
For selling macs cool
2
Had a funeral
1
Paid Schools fees for my siste
1
RESTOCK IN THE FISH BUSINESS
1
RESTOCKING IN THE MAIZE BUSINE
1
START UP CAPITAL
1
To expand the business
1
1
bought farm inputs
1
bought fish for business
1
bought frm inputs
1
buy goods for the shop
1
for business and for school
1
for buying dry fish
1
for the grass business
1
ordered vegetables for resale
1
paying school fees
1
purchasing of chemicals for so
1
put up a shelter
1
still waitng for the loan
1
1
to add on my capital
1
to boost the same business
1
to start fish business
1
used it as start up capital
1
AF10 What was the main reason the loan for the business you applied for was denied?
73
3990
1
Did not have a down payment
3
2
Did not have the right documentation;
4
3
No security/collateral
16
4
Income too low
5
5
Too much debt
0
6
No financial history
3
7
Negative credit history
0
8
Other
14
9
Don’t know
28
Sysmiss
3990
AF10 OTHER SPECIFY
15
0
DUE TO COVID THERE WAS LOCK DO
1
NOT A MEMBER OF A COOPERATIVE
1
NOT YET RECEIVED
1
STILL ON THE WAITING LIST
1
STILL WAITING
1
applied as a group
1
change of government
1
complicated, corruption
1
had no connection
1
money that was offered was to
1
non repayments of loans by
1
other people were chosen
1
papers went missing
1
still waiting
1
they did not respond to him
1
AF11 Which of the following documents did you not provide?
3
0
CDF
1
D
1
F
1
AF11 Other, specify
0
0
AF12 What are some of the challenges that hinder you from obtaining a loan for your business?
316
0
A
65
AB
2
ABC
1
ABCF
1
ABFGM
1
ABFLN
1
AC
2
ACDEF
1
ACFGK
1
ACFGM
1
ACFK
1
ACG
1
ACGH
1
ADF
1
ADFK
1
ADG
2
AEFL
1
AF
6
AFG
5
AFGLM
1
AFH
2
AFL
5
AFN
1
AG
13
AGK
3
AH
1
AIL
1
AK
4
AKL
1
AL
15
AM
1
AN
1
B
3
BCF
1
BCGH
1
BEI
1
BEK
1
BF
1
BFG
1
BG
2
BL
1
C
4
CD
1
CDG
1
CF
1
CK
1
CM
2
D
1
DG
1
E
1
EGL
1
F
27
FG
4
FGL
1
FI
2
FK
3
FL
1
FLM
1
G
15
GH
2
GI
1
GK
1
GL
3
HN
1
I
1
J
1
K
5
KL
1
KN
1
L
11
LN
1
M
1
N
35
O
27
AF12 What are some of the challenges......loan for your business. Other, specify
41
0
Doesn't face any challenge
1
FNB,STANBIC,ZANACO OTHER BQNKS NEED 10% IN QCCOUNT BEFORE TRANSFER IS DONE
1
Faced no challenges
1
HAVE NO CHALLENGES
1
MISSCOMMUNICATION
1
NON
1
NONE
5
No challenges
3
No challenges experienced
1
No problem
1
Non
1
PARENTS DONT DEPOSIT TO BANK
1
1
delayment of receiving the loan
1
1
did not have challenges
1
difficulties in obtaining right documents
1
had no challenges
1
never tried
1
no challege
1
no challenges
6
no connections
1
no financial backing
1
no problem
1
none
3
not being told the truth
1
they do not give grace period
1
they normally give those they know
1
AF13 Written Contract
250
3813
1
Yes
212
2
No
38
Sysmiss
3813
AF13 Terms and Conditions
250
3813
1
Yes
230
2
No
20
Sysmiss
3813
AF13 Told About Costs
250
3813
1
Yes
220
2
No
30
Sysmiss
3813
AF13 Understand Costs
250
3813
1
Yes
221
2
No
29
Sysmiss
3813
AF13 Loan Repayment
250
3813
1
Yes
208
2
No
42
Sysmiss
3813
AF13 Provide Documents
250
3813
1
Yes
213
2
No
37
Sysmiss
3813
AF14 Specify Period Unit
246
0
A
127
AB
2
B
80
C
37
AF14 Number of Days
130
3933
1
32
2
21
3
24
4
14
5
14
6
3
7
12
8
1
10
2
12
1
13
1
20
2
21
1
23
1
30
1
Sysmiss
3933
130
3933
1
32
2
21
3
24
4
14
5
14
6
3
7
12
8
1
10
2
12
1
13
1
20
2
21
1
23
1
30
1
Sysmiss
3933
AF14 Number of Weeks
83
3980
1
26
2
40
3
8
5
2
6
1
7
6
Sysmiss
3980
83
3980
7
26
14
40
21
8
35
2
42
1
49
6
Sysmiss
3980
AF14 Number of Months
37
4026
1
19
2
11
3
2
4
2
6
1
8
1
9
1
Sysmiss
4026
37
4026
30
270
63.243
56.914
Application Approval Period
250
3813
1
270
17.068
30.475
AF15 Have you ever defaulted on a loan repayment for your business?
250
3813
1
Yes
20
2
No
230
Sysmiss
3813
AF16 What was the main reason for defaulting?
20
4043
1
I had unexpected expenses and could not pay
8
2
I did not think I needed to pay the loan back at that time
0
3
People / institution I supply goods or services to did not p
1
4
I lost my crop / harvest / livestock / products / produce /
6
5
I did not get a good price for my crop/harvest
0
6
My business was not doing well / failed
3
7
I was sick and could not make repayments
0
8
I did not have money
2
9
Other
0
Sysmiss
4043
AF16 OTHER SPECIFY
1
0
because of covid 19
1
AF17_1 Gift / Grant
3985
78
1
Yes
554
2
No
3431
Sysmiss
78
AF17_2 Private Equity
3985
78
1
Yes
27
2
No
3958
Sysmiss
78
AF17_3 Venture Capital
3985
78
1
Yes
26
2
No
3959
Sysmiss
78
AF17_4 Private Investor
3985
78
1
Yes
26
2
No
3959
Sysmiss
78
AF17_5 Crowd funding
3985
78
1
Yes
82
2
No
3903
Sysmiss
78
AF17_6 Capital Markets
3985
78
1
Yes
18
2
No
3967
Sysmiss
78
AF17_7 Other Specify
3985
78
1
Yes
20
2
No
3965
Sysmiss
78
AF17_7 Specify
20
0
DONE
1
FISP use to give 6 bags of fertilizer
1
MY WIFES SALARY
1
Micro lenders
1
ORDER FACILITY
1
Outgrower scheme
1
1
Savers groups
1
Using Trade Credit from suppliers
1
1
1
1
he worked as a consultant and pit earnings into business
1
just from my Brother
1
1
money from parents
1
own funds after piece jobs
1
own funds from piece jobs
1
village banking
1
vision fund loan
1
SI01A Do you have an Account?
3982
81
1
Yes
305
2
No
3677
Sysmiss
81
SI01B Is it a business account?
342
3721
1
Yes
256
2
No
86
Sysmiss
3721
SI01C IF Business account with a bank which institution
312
0
1
3 ACCOUNTS STANBIC,FNB AND ACCES BANK
1
A B Bank
1
AB BANK
5
AB bank
1
ABB BANK
1
ABSA
5
ABSA BANK
3
ACCES BANK
1
1
ACCESS BANK
2
AGORA
1
ATLAS
1
ATLAS MARA
1
ATLASMARA
1
ATLASMARA BANK
1
Ab bank
1
Absa
5
Absa bank
1
Access Bank
1
Airtel money
1
Atlas
1
Atlas mara
4
Atlasmara
2
Atlax mara
1
BANK AB
2
BUILDING SOCIETY BANK
1
Building society
2
CAVMONT
1
CAVMONT (ACCES )
1
ECO BANK
1
Eco Bank
1
FANBAK
1
FINCA
1
1
FIRST NATIONAL BANK
2
1
FNB ( first national bank)
1
FNB BANK
7
1
First National Bank
3
First national bank
3
First national bank (fnb)
1
INDO BANK
5
INDO Bank
2
INDO ZAMBIA
1
INDO ZAMBIA BANK
4
INVESTRUST
1
INVESTRUST BANK
3
Indo Bank
1
Indo Zambia Bank
2
Indo bank
2
Invest trust
1
InvestTrust bank
1
MTN money
1
1
NATIONAL BUILDING SOCIETY
1
NATSAVE
2
NATSAVE BANK
2
Nat save bank
1
Natsave
1
Natsave bank
1
STANBIC
1
STANBIC BANK
4
STANBIC BANK ZAMBIA
1
STANDARD CHARTARED BANK
1
STANDARD CHARTERED BANK
1
STANDARD CHARTERED BQNK
1
STANDARD CHATERED,ECCO BANK,FNB AND ZANACO
1
Stanbic
2
Standard Chartered Bank
2
UBA BANK
2
1
2
Xapit zanaco
1
ZAMBIA NATINAL COOPERATION BANK
1
ZAMBIA NATIONAL COMMERCIAL BANK
2
ZAMBIA NATIONAL COOPERATION
1
ZANACO
39
ZANACO BANK
1
ZANACO,ECCO,FNB,STANDSRD CHARTERED
1
ZNBS
3
1
Zambia National Comercial Bank
1
Zambia National Commercial Bank
3
Zambia National Commercial bank
1
Zambia National commercial bank
1
Zambia national commercial bank
1
Zanaco
15
Zanaco Bank
2
Zanaco bank
1
absa
3
access bank
5
acess
2
apsa
1
atlas mara
6
atlasmara
6
bayport
1
city bank uk
1
finace bank
1
first national bank
9
1
fnb and atlas
1
indo
1
indo bank
2
invest trust bank
1
mobile money
1
natsave
1
natsave bank
2
natsave chilubi branch
1
netsave
1
none
2
rhodes bank
1
stanbic
2
stanbic bank
1
united bank of Africa
1
zanaco
46
zanaco bank
6
zanaco xpress
2
zannaco
2
SI01D Complaints handling procedure
313
3750
1
Yes
241
2
No
56
3
Not aware
16
Sysmiss
3750
SI01E Account Satisfaction
312
3751
1
Extremely dissatisfied
16
2
Dissatisfied
26
3
Neutral
65
4
Satisfied
170
5
Extremely satisfied
35
Sysmiss
3751
SI02A Do you have a Business Investment?
3982
81
1
Yes
4
2
No
3978
Sysmiss
81
SI02B Investment institution
7
0
Harbitant Humanity
1
House
1
Privete household
1
Prudential
1
Silk group
1
access bank
1
the local cou
1
SI02C Complaints handling procedure
6
4057
1
Yes
5
2
No
0
3
Not aware
1
Sysmiss
4057
SI02D Investment Satisfaction
5
4058
1
Extremely dissatisfied
0
2
Dissatisfied
0
3
Neutral
2
4
Satisfied
3
5
Extremely satisfied
0
Sysmiss
4058
SI03A Do you have any Business Securities?
3982
81
1
Yes
2
2
No
3980
Sysmiss
81
SI03B Securities institution
5
0
BUILDING
1
INNOVATE INSURANCE
1
PROFESSIONAL INSURANCE
1
Silk
2
SI03C Complaints handling procedure
5
4058
1
Yes
3
2
No
2
3
Not aware
0
Sysmiss
4058
SI03D Securities Satisfaction
5
4058
1
Extremely dissatisfied
0
2
Dissatisfied
2
3
Neutral
0
4
Satisfied
2
5
Extremely satisfied
1
Sysmiss
4058
SI04A Do you have any Insurance for your business?
3982
81
1
Yes
45
2
No
3937
Sysmiss
81
SI04B Insurance Institution?
46
0
ABSA
2
Agro micro finance
1
GENERAL INSURANCE
1
GOLDMAN INSURANCE
2
Goldman insurance
1
Goldman insurance company
1
Goodson insurance
1
HOLLARD INSURANCE
1
INNOVATE
1
MADISON INSURANCE
1
MADSON INSURANCE
1
Maddison
4
Madison
1
1
Madson insurance company
1
Mayfair insurance company
1
NICO INSURANCE
1
PROFESSIONAL AND MADISON
1
PROFESSIONAL INSURANACE
1
PRUDENTIAL
1
PRUDENTIAL INSURANCE
1
Professional Insurance
1
1
ZAMBIA STATE INSURANCE COMPANY
1
ZCISC
1
ZISC
1
ZISCS
1
ZSIC
1
Zambia State Insurance
1
advance
1
goldman insurance
1
madison
3
madson insurance
1
professional insurance
3
proffessional
1
prudential
1
rhodes bank
1
SI04C Complaints handling procedure
46
4017
1
Yes
42
2
No
3
3
Not aware
1
Sysmiss
4017
SI04D Insurance Satisfaction
46
4017
1
Extremely dissatisfied
1
2
Dissatisfied
1
3
Neutral
6
4
Satisfied
32
5
Extremely satisfied
6
Sysmiss
4017
SI05A Do you have a mobile money account?
3982
81
1
Yes
1288
2
No
2694
Sysmiss
81
SI05B Complaints handling procedure
1310
2753
1
Yes
842
2
No
371
3
Not aware
97
Sysmiss
2753
SI05C Mobile Money satisfaction
1301
2762
1
Extremely dissatisfied
30
2
Dissatisfied
61
3
Neutral
299
4
Satisfied
765
5
Extremely satisfied
146
Sysmiss
2762
SI06A Do you have a Savings Account?
3982
81
1
Yes
96
2
No
3886
Sysmiss
81
SI06B Savings Institution
100
0
AB BANK
2
ABSA
1
ACCESS
1
AIRTEL
1
Ab bank
1
Absa
1
Airtel mobile money
1
Atlasmara
1
Atlax mara
1
FANBAK
1
FIRST NATIONAL BANK
1
FIRST NATIONAL BANKING
1
FNB BANK
4
FNB Zambia
1
1
First National Bank
1
I
1
INDO BANK
1
INDO ZAMBIA
2
MTN MOBILE MONEY
1
NATIONAL BUILDING SOCIETY
1
NATSAVE
1
NATSAVE BANK
2
Natsave
2
STANBIC BANK
1
STANBIC BANK ZAMBIA
1
STANBIC,FNB AND ACCESS
1
1
ZAMBIA NATIONAL COMMERCIAL BANK
1
ZANACO
11
1
Zambia National Comercial
1
Zanaco
6
acces
1
access
1
access bank
1
atlas mara
3
atlasmara
5
fi
1
finace bank
1
1
first national bank
1
indo bank
1
invest trust bank
1
1
mtn mobile account
1
natsave
1
stanbic bank
2
zambia national commercial bank
1
zanaco
16
zanaco abc
1
zanaco xpress
1
zannaca
1
zannaco
3
SI06C Complaints handling procedure
98
3965
1
Yes
77
2
No
19
3
Not aware
2
Sysmiss
3965
SI06D Savings Satisfaction
98
3965
1
Extremely dissatisfied
4
2
Dissatisfied
5
3
Neutral
19
4
Satisfied
60
5
Extremely satisfied
10
Sysmiss
3965
SI07 What do you mainly do with the profit you make in your business?
3982
81
1
Pay for household expenses, bills, school fees, etc
2574
2
Buy stock
230
3
Reinvest in business equipment technology, agricultural inpu
314
4
Buy buildings or land
41
5
Invest in other businesses/start new businesses
99
6
Invest in Treasury Bills / Government Bonds.
1
7
Buy livestock eg. Cattle
56
8
Save the profit/money
302
9
Expanding the business
293
10
Other, specify
72
Sysmiss
81
SI07 Mainly do specify
91
0
BUILT A HOUSE
1
BUY ANIMALS
1
BUY CLOTHES
1
BUY FERTILIZER
1
BUY FERTILIZER AND SEED
3
BUY FERTILIZERS
1
BUY FOOD
3
BUY FOOD AND CLOTHES
1
BUY FOOD FOR HOME
2
BUY MAIZE FOR FOOD
1
BUY RELISH AND SALT
1
BUYING FERTILIZER,GOATS,CHIKENS
1
BUYING FOOD
2
BUYING FOOD STAFFS
2
BUYING GOATS SND CHICKEN
1
Business Just started
1
1
Buying of foodstuffs at home
2
CHURCH PROJECT
1
Expantion of the school
1
Farming for home consumption
1
HELPING MY RELATIVES AND PAYING FOR MY KIDS' SCHOOL FEES
1
Household expenses and reinvesting in the business
1
Just personal
1
Just starting the business
1
Purchasing of household food
1
SETTING UP FEES
1
Spending on both the business and household needs
1
TAKE THE MONEY TO VILLAGE BANKING
1
USE IT FOR HOUSEHOLD NEEDS
1
agricultural inputs and home consumption
1
both household bills and reinvests in business
1
bought a plot
1
building a house
1
business expenses and home consumption
1
buy
1
buy extra tools
1
buy farming imputs
2
buy farming inputs
1
buy food staffs for my family
1
buy rice stock
1
1
buying cattle
1
buying farming inputs
1
buying fertiliser snd food
1
buying food
1
buying household groceries
1
buying households items
1
buying of foodstuffs
1
buying of foodstuffs at home
1
construction of house
1
expanding the business and home consumption
1
family care and livelihood
1
family livelihood
2
family up keep
1
for home and business
1
have not received any money from the buyet
1
he keeps money in his home
1
he uses the profit for his house maintance
1
ho,e consumption
1
home consumption
1
home consumption and business expenses
1
household care
2
household consumption and spending in the business for expansion.
1
household expense and expansion of business
1
household expenses and business dilation
1
household expenses and reinvesting in the business
1
household livelihood
1
just buy food for home
1
just started last week
1
1
purchasing of household food
4
reinvesting and home consumption
1
repair equipment and buy spirit and oil
1
save the money in the houee
1
saves profit for the next faming season to buy farm commodities
1
yet to sell
1
IE01 How do you report the income you make for your business. Is it daily, weekly, monthly or annually
3981
82
1
Daily
990
2
Weekly
673
3
Monthly
874
4
Annually
493
5
Refused
951
Sysmiss
82
IE01a What are the average sales/income for your business?
3036
1027
0
2000000
5440.794
40826.983
IE02 How do you report the expenditure for your business. Is it daily, weekly, monthly or annually
3981
82
1
Daily
664
2
Weekly
750
3
Monthly
1017
4
Annually
469
5
Refused
1081
Sysmiss
82
IE02a What are the average expenses related to your business?
2916
1147
0
1500000
2741.834
30061.33
3980
83
1
Utility bills e.g. electricity/power, water charges
418
2
Rent
216
3
Labour
587
4
Transportation
1609
5
Taxes
16
6
Levies
87
7
Fuel
106
8
Equipment hire
48
9
Other, specify
147
10
Raw materials/inputs
290
11
Finished Goods
100
12
Repair and maintenance
16
13
Storage
4
14
Packaging
26
15
Tools/equipment
10
16
None
300
Sysmiss
83
IE03.Other, specify
938
0
0
1
00
1
0000
1
Annually
1
BEERS AND SPIRITS
1
BUY STOCK
1
1
BUYING BANANAS
1
BUYING CHARCOAL
1
BUYING CHEMICALS
1
BUYING CHICKENS FOR SALE
1
BUYING CLOTHS
1
BUYING FOOD
6
BUYING FOOD STOCKS
1
BUYING HOUSEHOLD GOODS
1
BUYING LOTION,SOAP,CLOTHING
1
BUYING MAIZE FOR MUNNKOYO
1
BUYING MEDICATION FOR THE GOATS
1
BUYING MEDICINE FOR THE CHICKENS
1
BUYING OF RAW MATERIALS
1
BUYING RAW MATERIALS FOR BAKING
1
BUYING SEEDS FOR REPLANTING
1
BUYING SUNDRY LIKE TISSUE, SOAPS ETC
1
1
BUYING THE INPUTS eg Sugar
1
BUYING TREES
1
Bicycle spare parts
1
1
Brewing materials
1
Building a house
1
Buy food stuffs and other home necessities
1
1
1
1
Buying fish for sale
2
Buying food
1
Buying of beer storage bottles
1
Buying of empty bags
1
Buying of pesticides
1
Buying of spare parts
1
Buying of sugar and cooking oil
1
Buying raw material for the restaurant
1
Buying raw materials
1
Buying same products
1
Buying spare parts
1
1
CHEMICALS FOR SPREYING
1
CHICKEN FEED AND VACCINES
1
CLOTHES
1
COOKING OIL
1
Cant remember because it differs
1
Charcoal
1
Chemicals
2
Chemicals for spraying
2
Chicken feed
1
Communication
1
Cooking Oil
3
Cooking oil
2
Cost of raw materials
1
DIESEL PRICE HIGH
1
1
Dont have expeses
1
FAMILY EXPENSES ONLY,,SHE USES BICYCLE TO ORDER
1
1
FARMING EQUIPMENTS E.G CATTLE
1
FARMING INPUTS
1
FEED
3
FEED FOR CHICKENS
1
FEED FOR PIGS
1
FEED,MEDICINE AND SODATS
1
FEEDING
3
FERTILIZER
8
FERTILIZER AND PESTICIDES
1
FERTILIZER AND SEED
1
FIREWOOD
2
FOOD
1
FOOD FOR OPERATION
1
1
Family Expenses
1
Family expenditure
1
Family expenses
3
Farming input
1
Farming inputs
1
Feed
3
Feed for the chicken
1
Feed for the pigs
1
Fertiliser
6
Fertiliser purchasing
1
Fertilizer
3
Firewood
1
Flour and Cooking oil
1
Foodstuffs for home consumption
1
1
HARDWARE GOODS
1
HOME USE
1
HOUSEHOLD EXPENSES
1
HOUSEHOLD GOODS
1
1
Herbicides
1
I DONT SPEND MONEY ON ANYTHING
1
1
INPUTS
3
INPUTS LIKE FERTILISERS AND FUNGICIDES
1
LINING AND SUITING MATERIALS
1
Lini
1
MATERIAL
1
MATERIAL COST
1
MATERIALS TO MAKE THE DOOR MATS
1
Maintenance
1
1
Material for tailoring
1
Materials and transport
1
Meallimeal
1
Medicine For Tomatoes
1
1
NO COSTS
1
NO EXPENSE
1
NO EXPENSES
4
NO costs
1
NON
2
NONE
99
NONE (NO COST INVOLVED)
1
NOTHING
1
1
No any monthly costs
1
No cost
1
No expense
1
No expenses
3
No record
1
NoNE
1
Non
4
None
31
Nothing
6
1
ORDERS
2
PESCIDES
1
PRODUCTS USED IN BAKING
1
PURCHASE OF CHARCOAL
1
1
1
Pestcides
1
Pesticides
4
Pesticides and fertilizers
1
1
Planks (stocks)
1
Plastic for customers
1
1
3
1
Plastics for customers
2
Purchase of Pesticides
1
Purchase of empty sacks
1
Purchasing Cooking oil and Flour
1
Purchasing Fertiliser
2
Purchasing Sugar, Teabags and Charcoal
1
Purchasing cooking oil and flour
1
Purchasing farming inputs like fertiliser
1
Purchasing fishing equipment
1
Purchasing raw materials for the business
1
Purchasing seed
1
Purchasing sugar, yeast and millet.
1
Purchasing wigs
1
RAW MATERIALS
1
RAW MATERIALS LIKE PLANKS, BOARDS AND NAILS
1
RAW MATERIALS LIKE SUGAR AND MALT
1
REPAIRING EQUIPMENT
1
RESTOCKING OF PRODUCTS
1
RESTOCKING THE BUSINESS
1
RESTOKING THE BUSINESS AND BUYING FOOD STAFFS
1
Raw materials
1
Raw materials, e.g groungnuts and chikanda
1
SACKS
1
SEED
1
SEED AND FERTILIZERS
1
1
SEEDS AND FERTILIZERS
1
Seeds and fertilizer
1
Stock
1
Stock feed
1
Sugar
1
TIMBER PURCHASE
1
TWINE FOR SAWING NETS
1
Talk time amd transport
1
They are just starting up
1
Things to use in bussiness
1
1
VEHICLE SERVICING
2
Vehicle servicing
1
1
agricultural inputs and labour
1
bags
1
baking flour
1
baking ingredients
1
baking products
1
book and pen
1
both labour and transport
1
bottles
1
building of a house
1
1
1
1
1
1
1
buying business orders of fruits
1
buying cassava for making mealie meal
1
buying cattle
1
buying chemicals
1
buying chisense
1
buying empty bags to pack charchoal in it
1
1
buying equipment
1
buying farm equiment
1
buying feed
1
buying fertiliser
1
buying fish
1
buying fish to sell
1
buying fishing nets
1
buying flour
1
buying flour and ingredients
1
buying food for the family
2
buying food staffs
1
buying food stuff
1
buying food stuff at home
1
buying goats, chicken and groceries
1
buying goods for the household
1
buying grocery
1
buying grocery things
1
buying household goods
5
buying houshold goods
1
buying imputs for maize growth
1
buying imputs like fertilizer
3
buying imputs like fertilizer and seeds
2
buying more products for production
1
buying of
1
buying of carrier bags
1
buying of cotton or threads and glue
1
buying of empty bags for packaging
1
buying of farming inputs fertiliser seed and other
1
buying of food at home
1
buying of foodstuffs at home
1
buying of ingredients to make fritters
1
buying of inpu
1
buying of materials
1
buying of menthrated spirits, powder paraffin
1
buying of methylated spirit and oil
1
buying of poultry inputs like meds feed etc
1
buying of roofing sheet material
1
buying of sugar and east
1
buying of tools
1
buying offals (stock)
1
buying pesticides
1
buying raw materials e.g feed for the chickens
1
buying raw materials e.g fertilizer
1
buying spirit and oil
1
buying stock
1
buying sugar for kachaso business
1
buying the supply
1
buying the talk time
1
buying the vegetables
1
buying things to use like flour
1
buying tomatoes
1
buying trees
1
buying vegetables to sell
1
buying what to use like cotton
1
buying wigs for the business
1
1
carrier bags
8
carrier bags and newspapers
1
charcaol
2
charcoal
5
chemicals
6
chemicals for the field
1
chemicals for the products
1
chemicalsand fertiliser
1
chicken feed
7
chicken feed, chicken medicines
1
chickens for selling
1
chicks, feed and Electricity
1
chiken feed
1
children welfare
1
1
chocoal
1
club Registration
1
combs, vaseline,
1
communication
1
construction building
1
consumption
2
containers for selling beers
1
cooking oil
5
cooking oil and floor
1
cooking oil is now very expensive
1
cost of inputs
1
cotton and needles
1
do not spend anything
1
does not know
1
don't know
1
education
1
empty bottles for selling beers
1
1
family livelihood
2
farm inputs
2
farming inputs
4
farming inputs e.g fertiliser
1
feed
13
feed for chickens
2
feed for the chicken
1
feed for the chickens
3
feed or input
1
1
feeding the family
1
fertiliser
9
fertiliser and chemicals
4
fertiliser and food
1
fertiliser and insecticide
1
fertiliser and seed
1
fertilisers
1
fertilizer
2
fire hood and bottles
1
firewood
3
fishing hooks
1
fishing net
1
flour
2
flour and cooking oil
2
flour and yeast
1
food
20
1
food and groceries
1
food and lodging
1
food expenses
1
food staffs
1
food stuffs
1
foodstuffs
1
grinding maize
1
groceries
2
high cost of flour and cooking oil
1
high cost of goods
1
high cost of ingredients, like flour
1
high cost of ingredients, sugar,cooking oil
1
1
high price of ingredients like sugar and yeast
1
high prices of sugar sold at retail prices
1
home care
1
home consumption
2
home food
2
home groceries
1
home use
2
house expenditure
1
house rentals
1
2
1
household care
9
1
household expenses
2
household expeses eg food
1
household groceries
1
household livelihood
2
household things
1
household utilities
1
1
ice blocks
1
ingredients
2
1
ingredients like salt and cooking oil..buying of charcoal
1
ingredients like sugar and maize
1
1
input and fertilizer
1
inputs or chemicals
1
inputs. or weed killers
1
insecticide for spraying
1
insecticides
1
just home consumption
1
just on up keep
1
just spend money on orders nothingelse
1
just use a bicycle going to order
1
labour and rent
2
labour and transportation
3
locks
1
lunch
1
1
maize grain
2
maize meal, munkoyo roots and hammer mill expenses
1
make there own feed and medicine
1
1
manure and pesticides
1
materials
3
1
medicine
2
needle and cotton
1
needles and cotton
1
newspaper's
1
nil
8
no cost
2
no cost at all
1
no cost uses a bicycle
1
1
no costs at all (nothing)
1
no expense
1
no expense as business is near where i order from.
1
no expense she buys from within the community
1
no expenses
7
no expenses at all
1
no expenses or costs
1
no idea
1
no monthly costs
5
no record
8
no records
1
no specific
1
non
8
none
55
none, no costs
1
none.
1
not application just go by foot
1
noth
1
nothing
13
nothing except household needs
1
nothing its just for home consumptions
1
1
odering the bell
1
on feed
1
on inputs like flour,cooking oil,baking powder
1
on internet bundles
1
order Stock
1
order of vegetables
1
order price of commodity
1
ordering bananas
1
ordering new clothes
1
ordering of business items
1
ordering of more charcoal
1
ordering of the item
1
ordering on higher prices
1
orders of products to sale
1
our garden was destroyed by too much rainfalls
1
packaging
1
1
1
paying back the bunisess money lenders
1
paying for school fees for children
1
pestcides
1
pesticides
2
pesticides and fertiliser
1
pesticides and groceries
1
plastic bags
2
plastic bags and newspapers
1
plastic bags for packaging
1
plastics for packaging
1
plastics for packing in fish
1
popcorn
1
poultry feed
1
production materials
1
1
1
purchase of empty bags
1
purchase of equipment
1
purchase of firewood
1
1
1
1
2
1
1
purchasing firewood
1
purchasing of chikens
1
purchasing of fertiliser
1
purchasing of household food
12
1
1
raw materials
4
raw materials for baking e.g cooking oil and suger
1
raw matrials e.g feed
1
reinvestment
1
1
rent,water and food
1
renting the freezit mechine making
1
reorder of stock
1
repair bicycle
1
repairing of business assets
1
restocking
1
restocking materials
1
restocking supplies
1
rice seed
1
rubber bands, sacks
1
sacks and ropes
1
saving for expnsion
1
school fees
2
school needs
1
seed, weed killer fertilizer
1
servicing machine
1
servicing monthly
1
she
1
1
she buy things nearby home
1
she pays K2 every day at th market
1
spare parts
1
spares and repairing costs
1
spirit
1
sprays
1
stock feed
2
stocks
4
stocks (eggs)
1
storage
1
sugar
1
the loan
1
they thier own scotch cart to transport
1
timber
1
tires
1
transport and fertiliser
1
un monitored
1
unknown circumstances
1
unmonitored
1
vaccines
1
variety of personal things
1
weed killer
1
welding Loads and Cutting discs
1
welding rods
1
wires, pat, paint
1
wood
1
3980
83
0
500000
1592.634
13272.717
AST01A Asset
3980
0
1 Boat
1
1 COMPUTER
1
10 Drums
1
13 Feeders
1
2 BARBING (SHAVING )MACHINES
1
2 BARBING MACHINES
1
2 Bicycles
1
2 Boats
1
2 DEEP FREEZERS
1
2 DRUMS
1
2 POOL TABLES
1
2 Printers
1
2 Radios
1
2 SHOPS
1
2.5 CONTAINERS
1
2.5LT CONTAINERS
1
20 CARS
1
20 LITRE CONTAINERS
2
20 LTR CONTAINERS
1
20000
1
20LT CONTAINERS
1
2HAIR CLIPPERS
1
2PUMPS
1
3 BUCKETS
2
3 Boats
1
3 Computers
1
3 ENCH PEDRO PUMP
1
3 FRIDGES
1
3 HOES
1
3 LIGHT TRUCKS
1
3 Phones
1
1
4 BIG POTS
1
4 FLATS
1
4 HOUSES
1
40 " TV
1
8 Pots
1
A BUCKET
1
A FAN
1
A Fishing NET
1
A House
1
A PLOT
1
AIR COMPRESSOR
1
AIR Compressor
1
AIRPLANE
1
ANGEL GRINDER
1
ANIMALS
1
AXE
27
AXES
14
Agriculture LAND
1
Axe
1
Axes
2
BACKET
1
BAG
1
BAGS
7
BAKING MIXER
1
BAKING PAN
1
BAKING PANS
6
BAKING Powder
1
BAKING TINS
1
BAKING TRAY
1
BAKING TRYS
1
BALES OF CLOTHING
1
BARBECUE STAND
1
BARBING MACHINE
4
BARBING MACHINES
3
BARBING Machine
1
BARBING Machines
1
BARBINGMACHINE
1
BASKET
5
BASKETS
4
BED
1
BEDS
2
BEE Hives
1
BEEHIVES
1
BEER CONTAINERS
1
BELLS
1
BENCH
1
BENCHES
2
BICYCLE
33
BICYCLES
1
BICYLE
2
BICYLES
1
BIG BAGS
2
BIG FRYING PAN
1
BIG PAN
1
BIG POT
3
BIG POT (SHOMEKA)
1
BIG WELDING MACHINE
1
BIYCLLE
1
BLACK BOARD
1
BLACK SMITHING TOOLS
1
BLOW DRYER
1
BLOWER
7
BLOWERS
1
BLOWING MACHINE
1
BOAT
4
BOATS
3
BOATS And ENGINES
1
BOOTH
13
BOTH
1
BOTTLES
2
BOXES
1
BRAAI STAND
1
BRAII
1
BRAISER
2
BRAIZIER FOR BAKING
1
BRAY STAND
1
BRAZIER
8
BREWING MACHINE
1
BRICK MORTAR
1
BRICK MOULDERS
1
BRICKMAKING Machine
1
BROWER
1
BRUM
1
BUCKET
29
BUCKETS
21
1
BUIDINGS
1
BUILDERS TAP
1
BUILDING
16
BUILDINGS
3
BULLS
1
BUS
3
BUSES
2
BUSKET
5
BUSKETS
2
BUTCHER MAN MACHINE
1
BYCICLE
2
BYCYCLE
1
Baking PANS
2
Barbing Machines
1
Basket
3
Baskets
1
Battery
1
BiCYCLE
2
Bicycle
21
Bicycles
2
Big Pan
1
Blower
1
Blowers
1
Boat
1
Brewing Pot
1
Brick Maker
1
Bucket
3
Buckets
3
Building
6
CAGES
1
CALABASH
1
CANAO
1
CANE
1
CANOE
7
CANTER VEHICLE
1
CAR
15
CARS
3
CASTLE
1
CATRARY
1
CATTLE
4
CATTLE RANCH
1
CATTLES
1
CHAFFING DISHES
2
CHAIN SAW
3
CHAIN SAWS
1
CHAINSAW
1
CHAIR
4
CHAIRS
5
CHARCOAL OVEN
1
CHARCOAL STOVE
1
CHEFFING DISHES
1
CHICKEN RAN
1
CHICKEN RUN
4
CHICKEN Run
1
CHISEL
1
CHISSEL
1
CLOTHES
1
COAT HANGERS
1
COMERA
1
COMPRESSOR
1
COMPUTER
7
COMPUTERS
6
COMPUTERS TWO
1
CONCRETE MIXER
1
CONTAINER
2
CONTAINERS
5
COOKING POTS
1
COOLER BOX
3
COUCH
1
COUNTER
1
COWS
3
CRANE
1
CRATE
1
CRATES
2
CRATES AND BOTTLES
1
CRATES OF EMPTY BOTTLES
1
CRATES WND BOTTLES
1
CREATS
1
CRETE
2
CUP
1
CURLES
1
CUTER
1
CUTING AXLE
1
CUTTERS
1
CUTTING MACHINE
1
Cages,FEEDER
1
Canoe
2
Chicken CAGE
1
Chicken Poultry
1
Chicken RUN
2
Compressor
1
Computer
2
Container
1
Containers
2
DEEP FREEZER
7
DEEP FREEZERS
2
DEEP FREZER
1
DEEP FRY
1
DEEP FRYER
1
DEEP Freezer
1
DESKS
1
DESKTOP
1
DESKTOP COMPUTER
1
DESKTOP COMPUTERS
1
DIRAYER
1
DISC
1
DISH
23
DISH,
1
DISHES
15
DISTILLER
1
DIZZING MACHINE
1
DOLLYS TO DISPLY THE CLOTHS
1
DONE
19
DRAM
1
DRAMS
1
DRIER
4
DRIERS
4
DRINKER
2
DRINKERS
12
DRINKERS, FEEDERS
1
DRIPPERS
1
DRIVERS
1
DROUGHT POWER
1
DRUM
25
DRUM FOR COOKING MUNKOYO
1
DRUM USED TO COOK THE KACHASU
1
DRUM, BUCKETS
1
DRUMS
19
DRYER
1
DRYERS
6
DUMMIES
1
Deep Freezer
1
Desktop
1
Dishes
2
Drinkers
4
Drum, BUCKETS AND Containers
1
Drums
2
Dryers
1
EGG TRAYS
1
ELECTRIC TOOL BOX
1
EMPTY SACKS
1
ENGINE PUMP
1
1
Empty GRAIN BAGS
1
FAN
1
FARM
2
FARM LAND
3
FEEDER
6
FEEDERS
22
FEEDERS ,DRINKERS,PANELS.
1
FEEDING BOTTLES
1
FEEDING PANS
1
FIDERS
1
FIRDGE
1
FISH BUCKETS
1
FISH NET
4
FISH NETS
1
1
FISHING BOATS
1
FISHING HOOKS
1
FISHING NET
2
FISHING NETS
9
FLATS
2
FOLKS
1
FREDGE
1
FREEGE
1
FREEZER
9
FREEZERS
1
FRIDGE
32
FRIDGE(9)
1
FRIDGES
11
FRIYING PAN
1
FRYER
1
FRYING PAN
2
FRYING PANS
1
FUEL CAN
1
FULL DRAMS AND CUT DRUMS(Iron
1
FUNITURES
1
FUNNEL
1
FURNITURE
1
FURNITURE AND FITTINGS
1
1
Fishing NETS
1
Fishing Nets
2
Freezer
1
Fridge
1
1
GARDEN FORK
1
GENERATOR
2
GENESET
2
GRAINDER Machine
1
GRASS COUNTER
1
GRINDER
2
GRINDING MACHING
1
GRINDING MEAL
1
GRINDING MILL
1
GROCERY SHOP
1
GUN
1
Gallons
3
Gallons, Scale
1
Generator
1
Generator, PIPES
1
Gray POT
1
HAIR DRYER
2
HAIR WASHING SINK
1
HAMMER
3
HAMMER MILL
5
HAMMER, HAND PLANE
1
HAMMERMIL
1
HAMMERMILL
1
HAMMERS
1
HAMMERS (4)
1
HAND MEASURE
1
HAND SAW
1
HANG WIRES
5
HARA
1
1
HASCAVANA
1
HEATERS
1
HOE
119
HOE AND AXE
1
HOE, AXE AND WATER Canes
1
HOES
139
HOES (4)
1
HOES (Farming)
1
HOES AND AXES
6
HOLE
1
HOLES
1
HOLES, SPRAYER
1
HOME Theatre
2
HOOKS
1
HORSE PIPE
2
HOUSE
16
HOUSE(SHOP)
1
HOUSES
5
HOUSING UNIT
1
HUMMER
3
HUMMER MEAL MACHINE
1
HUMMER MILL
1
Hammer Mill
2
Hammer mill
1
Hammermill
2
Hoe
7
Hoes
10
House
1
Houses
2
ICE CREAM MACHINE
1
INCUBATORS
2
INCUBETOR
1
INDUSTRIAL SEWING MACHINES
1
INFRA RED BULBS
1
IRON SHEETS
1
IRRIGATION PIOES
1
JARS
1
JUMPING Castle
1
KA MBIYA(POT)
1
KAZANG MACHINE
1
KILN
1
KITCHEN UTENSILS SUCH AS POTS
1
KNIFE
2
KNIFES
3
Knife
1
LAND
10
LAPTOP
3
LAYER CAGES
1
LCD SEPARETING MACHINE
1
LEVEL
2
MACHINE
1
MACHINE FOR Cutting MEET
1
MACHINES
2
MAKESHIFT STAND
1
MANIKINS
1
MANNUAL BRICK MOULDER
1
MANYCANS
1
MAT
1
MBAULA
3
MEASURING TAPE
1
MEDA
3
MEDAS
1
MEGA
1
MENTAL DRUM
1
METAL DRUM
1
METALLIC FRYING PAN
1
MICROPHONE
1
MILL GRINDER
1
MINCER
1
MINES
1
MINI BUS
2
MINIBUS
1
MOBILE MONEY BOOTH
1
MONEY
1
MORTAL
1
MOTOR CYCLE
2
MOTOR VEHICLE
6
MOULDING SOAP PALLETS
1
MOULDS
1
MTN BOOTH
1
1
MUSIC System
1
Mirrors
1
Motor BIKE
1
Motor BiCYCLE
1
Motor Cycle
3
Motor Vehicle
1
NEEDLES
2
NEST (KIKUMBI)
1
NETS
1
NOAH BUS
1
NON
1
NON SMART PHONE
1
NON SMART PHONES
1
NONE
1965
NONE DONE
1
None
43
OIL MAKING MACHINE
1
OIL PRESSER
1
1
OXEN
1
OXYCART
1
PAINTING BRUSHES
1
PAN
14
PANGA
1
PANS
7
PATH FIDER
1
PEANUT BUTTER MACHINE
1
PHONE
7
PHONE HANDSET
1
PHONES
2
PHOTO COPIER
1
PIGARY HOUSE
1
PIGERY
1
PIGGARY
1
PIGGARY HOUSE
1
PIPE
1
PIPES
1
PLAIN
6
PLAINE
1
PLAINER
1
PLANE
1
PLANE, SAW,HAMMER
1
PLANES
1
PLANNER
1
PLASTIC BAG
1
PLASTIC BAGS
1
PLASTICS
2
PLATES
2
PLOT
1
PLOUGH
54
PLOUGH,ARROW,CHAIN AND A Culti
1
PLOUGHS
2
POOL TABLE
1
POOL TABLES
1
POOL TQBLE
1
POPCON Machine
1
1
POPCORN MACHINE
2
POPCORN POPING MACHINE
1
POT
4
POT PAN
1
POTATO CHOPER
1
POTS
17
POTTERY HOUSE
1
POULTRY
1
POULTRY BUILDING
1
POULTRY HOUSE
1
POULTRY HOUSES
1
POULTRY UNIT
1
POUTRY HOUSE
2
PRESSING DRILING MACHINE
1
PRINTER
2
PRINTERS
2
PS Three
1
PUMP
4
1
Peanut Butter Machine
1
Photocopying Machine
1
Piggery House
1
Pipe
1
Plastic
1
Plastic bag
1
Plastics
1
Plough
6
Plough, Cultivator
1
Popcorn MACHINE
1
Popcorn Making Machine
1
Poultry
1
Pressure Washer
1
Property Building
1
RADIO
7
READY PAY LIGHT
1
REEDS Basket
2
REFRIDGERATOR
1
REFRIGERATOR
1
RIPER
1
ROSA BUS
1
Radio
10
Refrigerator
3
Rollers
1
SACK
4
SACK BAGS
1
SACKS
23
SANDLE
1
SANDLE (HAMMER)
1
SAUSAGE FILLER
1
SAW
2
SAW BLADE
1
SAW MILL MACHINE
1
SAWING MACHINE
9
SAWING NEEDLE
1
SCALE
3
SCHOOL BUILDINGS
1
SCHOOL CLASSROOM BLOCK
1
SCHOOL PRESPMISES
1
SCISSORS
1
SCOCTH CART
1
SCONE TRIES
1
SCORCH CART
1
SCORTCH CAT
7
SCOTCH CART
4
SCOTH-CART
1
SEWING MACHINE
12
SEWING MACHINES
5
SEWING Machine
3
SEWING Machines
1
SHALVES
1
SHAVEL
4
SHAVING MACHINE
2
SHAVING MACHINES (3)
1
SHAVING Machine
1
SHAVING Machines(hAIR CLIPPERS
1
SHAWAMA MWCHINE
1
SHED
1
SHELLER
1
SHELVES
7
SHEVING MATCHINE
1
SHOP
20
SHOP (A BUIDING)
1
SHOP BUILDING
2
SHOP. BUILDING
1
SHOPS
2
SHOVEL
7
SHOVELS
2
SICKLE
2
SICKLES
3
SLASHER
1
1
SMALL DISH
1
SMALL PHONE
1
SMALL STRUCTURE
1
SMARTPHONE
1
SMOKERS
1
SOLA PANEL
1
SOLOR PANEL
1
SORDERING WIRE
1
SOWING MACHINE
2
SPANNER
1
SPANNERS
2
SPEAKERS
3
SPEAKERS SYSTEMS
1
SPECIL BRAZIER
1
SPLIT LEVEL
1
SPRAY GUNS
1
SPRAYER
15
SPRAYERS
2
SPREAR
1
SPRINKLERS
1
STAND
2
STAND FOR CLOTHES
1
STANDS
1
STOCK
1
STORAGE CONTAINER
1
STORAGE CONTAINER FOR CLOTHES
1
STORAGE CONTAINERS
1
STORTCH CART
1
STOVE
4
STOVES
2
SUCKS
2
SWEET BUCKET
1
Sacks
2
Sacks,
1
Sandals
1
Sawing Machine
1
Sawmill
1
Screw Driver
1
Sewing Machine
1
Shaving Machine
1
Shop
1
Sickle
1
Sowing Machines
1
Spray
1
Stereo
1
Stove
1
Structure
1
TABLE
65
1
TABLE BENCH
1
TABLES
20
TABLES AND CHAIRS
2
TARDITIONAL BREWING MACHINE
1
TEIAN
1
TELEVISION
4
TEMPORARY PIGGERY
1
TENT
1
TENTS
1
TESTER Machine
1
THE Building
1
TIFFANY CHAIRS
1
TILA LAMPS
1
TILE LAMPS
1
TINS
1
1
TOOL BOX
2
TOOLS
1
TOOLS BOX
1
TRACK
1
TRACTOR
3
TRACTOR,PLOUGH, PLANTER ETC
1
TRADO MACHINE
1
TRAY
2
TRAYS
2
TREYS
1
TREYS FOR Selling Tomatoes
1
TROUGH
1
TRUCK
1
TRUCKS
4
TRUNK
1
TWO HOSES
1
TWO LAPTOPS
1
TYRE MENDING EQUIPMENT
1
Table
8
Tables
1
1
Tattoos GUN
1
1
Television
1
The HOUSE
1
Tines
1
Tobacco Carrier BAGS
1
Tobacco PACKAGING SACKS
1
1
Treadle Pump
1
UKWA BAG
1
UKWA BAGS
1
VACUUM MACHINE
1
VAN
1
VEHICL3
1
VEHICLE
9
VEHICLES
2
VILLAGE STOVE
1
Vehicle
3
WARMER FOR FOOD
1
WATER CANE
2
WATER PUMP
15
WATER PUMP, HOE,PIPES, SLASHES
1
WATER PUMPIMG MACHINE
1
WATER TANK
1
WATERING CAN
1
WELDING MACHINE
10
WELDING MACHING, GRINDER
1
WHEEL BARROWS
1
WHEELBAROWS
1
WOODEN BENCH
1
WOODEN STAND
1
WOODMIZER
1
WOVEN BASKET
1
Washing dish
1
Water pump
1
Welding MACHINE
1
Welding Machine
1
Wheelbarrow
3
XBOX 360
1
vehicles
1
AST01A Asset
2031
0
1 AXE
1
1
1 Laptop
1
10 BUMPER CARS
1
13 Drinkers
1
1
2 FRIDGES
1
2 HOES
1
2 MIRRORS
1
2 Photocopying Machines
1
2 SPRAYERS
1
2 TINS
1
2 WATER
1
2.5LT CONTAINERS
3
20 LITRE CONTAINER
1
210 LITRE DRUMS
1
2BOREHOLES
1
3 ENCH POLY PUMP
1
1
3 Printers
1
3 SAWING MWCHINE
1
3 TABLE
1
4 HOES
1
4 SHOVEL
1
4 Saving Dishes
1
1
5 LITLE BOTTLE
1
1
5LT MEDA
1
9 Cattle
1
A STAND
1
A TV
1
ADAPTER
1
AMPLIFIER
2
AN HOOK
1
ANGLE GRINDER
1
ANK BOATS
1
AXE
61
AXES
39
AXLE FOR CUTTING
1
Axe
2
Axes
2
BAG
3
BAGS
1
BAKERY OVENS
1
BAKING PAN
1
BAKING Pan
1
BAKING TINS
1
BAN TRAY(Metallic )
1
BASKET
7
BASKETS
1
BATTERY
3
BEDS
1
BEEHIVE
1
BENCH
1
BENCH VICE
1
BENCHES
2
BICYCLE
3
BIG BAGS
1
BIG BASKETS
1
BIG COOKING STICK
1
BIG DISH
1
BLOWER
7
BLOWER,
1
BLOWERS
6
BOAT
2
BODY JACK
1
BONANZA MICHINES
1
BOOTH
3
BOREHOLE
1
BOTTLES
1
BOW SAW
1
BOXES
1
BRAII STAND
1
BRAIZIER
1
BRASIERS
1
BRAZIA
1
BRAZIER
8
BRAZIERS
3
1
BREZER
1
BRICK LAYING KNIFE
1
BRICK LAYING SHAVEL
1
BRICK MOULDING MACHINE
1
BUCKET
13
BUCKET FOR WASHING HANDS
1
BUCKETS
22
BUILDING
3
BUILDINGS
1
BULLS
1
BUSKETS
1
BUTCHER BOW
1
Basket
2
Baskets
1
Battery
3
Bicycle
3
Bicycles
2
Boat
1
Boats
1
Booth
1
Brush
1
Bucket
5
Building
1
CAKE MIXER
1
CAKE MIXTURE
1
CALABASH
1
CALABASHI
1
CALCULATOR
1
CANOE
3
CANOE BOAT
1
CANOES
1
CANTER
1
CAR
6
CAR KIT TOOL BOX
1
CATTLE
5
CELL PHONE
1
CHAFFING DISHES
2
CHAIN MACHINE
1
CHAIR
13
CHAIRS
16
CHARCOAL OVEN
1
CHICKEN FEEDERS
1
CHICKEN RUN
1
CHISEL
1
CHITENGE
1
CHOOPING BOARD
1
COMBS
1
COMPACTERS
1
COMPUTER
2
COMPUTR
1
CONTAINER
2
CONTAINERS
8
1
COOKING STICK
6
COOKING STICKS
2
COOLER BOX
3
COPIERS
1
COTTONS
1
COUNTER
2
CRATE FOR. VEGETABLE PACKAGE
1
CRATES
2
CREATES
1
CREATS
1
CRETE
3
CUN WATER
1
CUP
2
CUPS
7
CUPS PLASTIC CONTAINERS
1
CURLES
1
CUT CONTAINERS (FEEDING VESSEL
1
CUTLERY
3
CUTTER
1
Calculator
1
Cattle
2
Charcoal
1
Compressor
1
Computers
1
Container
1
Containers
1
Cups
1
DEEP FREEZER
2
DEEP FRYER
1
DESK
2
DESKS
3
DISCS
1
DISH
11
DISHES
6
DISHES AND MEDAS
1
DISTILLATION VESSEL
1
DISTY
1
DONE
798
DONES
1
DRAMS
1
DRIER
1
DRIERS
1
DRIKERS
1
DRILLER
1
DRILLING MACHINE
1
DRINKER
2
DRINKERS
27
DROUGHT CATTLE
1
DRUM
4
DRUM FOR Making BEER
1
DRUMS
2
DRYER
3
DRYERS
1
Done
18
2
Drinkers
2
Drip Irrigation Pipes
1
Dryers
1
EGG TRAYS
1
ELECTRIC IRON
1
EMPTY DRUMS
1
EMPTY SACKS
1
ENGINE
2
EXTENSION CABLES
1
FAN
1
FARM
1
FARM LAND
1
FEED
1
FEEDER
1
FEEDERS
23
FIDERS
1
FISHING BOATS
1
FISHING HOOKS
1
FISHING NET
2
FISHING NETS
3
FOUR COMPUTERS
1
FREEZER
7
FREEZERS
1
FRIDE
1
FRIDGE
15
FRIDGERATOR
1
FRYING PAN
2
FUNEL
1
FUNNEL
1
1
Feature PHONE
1
Fishing NETS
1
Fishing Nets
1
Folks
1
Fraying PAN
1
Fridge
1
Frying PAN
1
Frying Pan
1
GAM BOOTS
1
GARDEN FOLKS
1
GAS Cylinder
1
GAUGE
2
GENISET
1
GRIDING MACHING
1
GRINDER
7
GRINDER Machine
1
GRINDING MACHINE
2
GROUNDUNTS MACHINE POWDER
1
Gardening Fork
1
Grain Grinder
1
Grinder
1
HAIR BLOWER
2
HAIR CLIPPERS
2
HAIR TONER
1
HAIRBTONNER
1
HAMMER
2
HAND SPRAYERS
1
HANG WIRE
1
HANG WIRES
1
HANGLE GRINDER
1
HANGWIRES
1
HARA
9
HARROW
3
HEADHONES
1
HOE
35
HOES
49
HOES AND AXES
1
HOLES
1
HOME THEATRE
1
HONDA
1
HOOKS
2
HOOVERS
1
HORSE PIPE
2
HOSEPIPE
2
HOUSES
1
Hair Blowers
1
1
Hang wires
1
Hoe
2
In Venter
1
JACK
2
JARKS
1
KNIFE
2
KNIFES
1
KNIVES
1
Knitting Machine
1
LAMB
1
LAMINATING MACHINE
1
LAND
5
LAP TOP
1
LAPTOP
1
LAZER PRINTER
1
LEVETING MACHINE
1
LIGHTING LAMPS
1
LIPPING SAW
1
Laptop Computer
1
Large Format Printer
1
Livestock
1
MACHINE
1
MANKINS
1
MATRESESS
1
MATRESS
1
MATTRESSES
1
MBAULA
1
MEASURING
1
1
MEASURING CUP
1
MEASURING TAPE
1
MEDAS
1
MEGA PHONE
1
METAL PIPES
1
MICROPHONES
1
MICROWAVE
1
MILK PROCCESSOR
1
MIRROR
2
MIRRORS
2
MOBILE DISPLAY STAND
1
MOTOR BIKE
1
MOTOR VEHIVCE
1
MOVABLE DISPLAY STAND
1
MUSIC Equipment
1
MUSIC MACHINES
1
MUSIC PLAYER
1
MUSIC SYSTEM
1
MUSIC VIDEO LIGHTS
1
Machete
1
Mattress
1
Measuring Tapes
1
Microphone
1
Monitor Speakers
1
Motorcycles
1
NEEDLES
2
NETS
1
NONE
10
Nets
1
OFFICE Furniture
1
OVER LOCKING MACHINE
1
OX CART
1
OX PLOUGH
1
OX-CART
3
OXCART
1
OXEN
1
PAN
7
PANS
7
PGOTOCOPIER
1
PHONE
3
PHONES
1
PHOTOCOPIER
2
PICK
1
PIECE OF CLOTH
1
PIECE OF LAND
1
PIPE
7
PIPES
7
PIT SEW
1
PITTY SAW
1
PLAIN
1
PLANE
2
PLANTER
1
PLASMA TV
1
1
PLASTIC CHAIR
1
PLASTIC CONTAINERS
1
PLASTIC DRUM
2
PLASTICS
2
PLATES
5
PLIERS
2
PLOUGH
15
PLOUGHS
1
POKER VIBRATOR
1
POP CORN MACHINE
1
PORTABLE STAND
1
POT
5
POTS
3
POTTERY FEEDING BOTTLES
1
POUGH
1
POULTRY HOUSE
1
POWER CABLES
1
PRESSING IRON
1
PRESSURE TESTING INSTRUMENTS
1
PRESSURE WASH
1
PRINTER
3
PRINTERING MACHINE
1
PRINTERS
1
PUN
1
Packing BUCKET FOR TOMATO
1
Photocopying Machine
1
PlASTIC DRUMS
1
Plastic
1
Plastic Bag
2
Plastics
1
Plates
1
Plough
3
Printer
1
RADIO
9
RADIO SYSTEM
1
RADIOS
1
RAKE
3
RAKES
2
RED REBON BAG
1
REFRIGERATOR
1
REFRIGIRATOR
1
ROASTING WIRE
1
RODS
1
ROOP
1
ROUND TABLES
1
RULE
1
Refrigerator
1
Rigg
1
S.CART
1
SACH CLUMP
1
SACK
4
SACKS
9
SACKS FOR PACKAGING
1
SANDAL
1
SANDLE
1
SAW
4
SAWS
1
SCALE
5
SCOCTH CART
2
SCORCH CART
2
SCOT CART
1
SCOTCH CART
11
SCOTHCART
1
SENCER
1
SERVICING WIRE
1
SERVING DISHES
1
SHALVES
1
SHAVEL
3
SHAVOL
1
SHELTER
1
SHELVES
5
SHINES
1
SHOP
3
SHOVEL
4
SHOVELS
2
SICKLES
2
SIM CARDS
1
SIM RIPER
1
SIMCARD
2
SLASHER
3
SLASHERS
1
SMALL PHONE
1
SMALL TV
1
SNAPES
1
SODING Wire
1
SOFAS
1
SOLAR
1
SOLAR PANEL
1
SOLAR PANELS
2
SOLDER STATION
1
1
SOUND MACHINE
1
SOUND MIXERS
1
SOW
1
SPACIO TOYOTA
1
SPADE
3
SPANNERS
1
SPARYING MACHINE
1
SPEAKERS
1
SPIRIT LEVEL
3
SPOONS
4
SPRAYER
14
SQUARE LEVEL
1
STAND
2
STANDO
1
STEARING STICK
1
STEEL 382
1
STOOL
3
STOOLS
1
STOVE
2
STRUCTURE
1
STUDIO MONITORS
1
SUCK BAG
1
SUCKS
2
Sacks
1
Scissors
3
Shop
1
Shop Building
1
Solar
2
Solar Panel
1
Solar Panels
2
Spanners
1
Spatulas
1
Speakers
2
Speed BOAT Engines
1
Spoons
1
Spray
1
Suck
2
TABLE
13
TABLES
14
TABLES AND CHAIRS
2
TASTER
1
TAXI
1
TELEVISION
4
TELEVISION SET
1
TENT
1
TESTER
1
THE BUILDING
1
TINE
1
TIPE
1
TOMATO CRATE
1
TONER
1
TONNER
1
TOOLS BOXES
1
TOOLS FOR TYING TOBACO
1
TOOLS KIT
1
TOWERS
1
TOYAOTA HIACE BUS
1
TRACKOR
1
TRACTOR
1
TRANK
1
TRAWEL
1
TRAY
2
TRAYS
1
TRENDAL PUMP
1
TRIDO PUMP
1
TRUCK
1
TRUNKS
1
TRY
1
TVS(9)
1
TWO DESK TOPS
1
TWO LAPTOPS
1
TWO PANNEL SOLARS
1
TWO WATER PUMPS
1
Television
2
Televisions
1
Tractor
1
1
UNCUBATOR
1
VEHICLE
1
VEHICLES
1
Vehicle
1
WARMER FOR FOOD
1
WAT
1
WATER BUCKETS
1
WATER CAN
1
WATER CANE
3
WATER CANS
1
WATER PUMP
6
WATER Pump
1
WATERING BUCKETS
1
WATERING CAN
1
WATERING CANS
1
WELL
1
WHEEL BARROW
2
WHEELBAROW
1
WHEELBARROWS
3
WHITE Board
1
WIRES FOR PICKING SCONES
1
WOODEN CHAIR
1
WOVEN
1
Welding Machine
1
Wheelbarrow
2
YOLK
1
nets
1
suck
1
AST01A Asset
1242
0
1 AXE
2
1 Laminating Machine
1
1 Printer
1
10 EMPTY MOSI BOTTLES
1
12 Farming Cattle
1
1
2 Calculators
1
2 Motor Cycles
1
2.5LT CONTAINERS
3
20 LITTLE BUDGET
1
1
3 HOES
1
3TUNKS
1
4 CHAIRS
1
1
A DVD
1
A STOOL
1
A TV SET
1
ACKSEW
1
ANGLE GRINDER
1
ASSORTED TOOLS
1
AXE
19
AXES
9
AXIS
1
AXLE
1
AZXE
1
Amplifier
1
Amplifier And Speakers
1
Axes
3
BABING MACHINE
1
BACKET
1
BACKETS
2
BAKING PANS
2
BED
1
BEDINGS
1
BEDS
2
BELLS(SACKS)
1
BICYCLE
3
BIG BOWL
1
BIG POT ( A SHOMEKA)
1
BIG SPOON
1
BIG UMBRELLA
1
BOAT
1
BODY FILE
1
BOREHOLE
1
BOTTLE
1
BOTTLES
3
BRAAI STAND
1
BRAISER
1
BRAISIER (MBAULA)
1
BRASIERS
1
BRAZIER
4
BRAZIERS
1
BRUSH
1
BUCKET
10
BUCKETS
11
BUILDING
1
BUS
1
BUTCHERY Equipment
1
BYCICLE
1
Battery
2
Benches
1
Bicycle
5
Boat
1
Bowl
1
Brazers
1
Brazier
2
Broom
1
Bucket
6
Building
1
CAGES
1
CANOE
1
CAR JACK
1
CARD CUTER
1
CATTLE
5
CHAIR
9
CHAIRS
19
CHAIRS AND TABLES
2
CHALK BOARDS
1
CHARGERS
1
CHEZO
1
CHICKEN RUN
1
CHINGOLE
1
CHOPPING BOARD
1
CLUMP
2
COMBS
1
COMPRESOR
1
COMPRESOR MACHINE
1
COMPUTER
1
COMPUTERS
4
CONTAINERS
9
COOKING STICKS
2
COPIERS
1
COTACHCUT
1
COUNTER
4
CRAPS
1
CRATES
1
CRATES FOR TOMATOES
1
CRAWL HAMMER
1
CROCK POT
1
CUP
2
CUPS
4
CUTLERY
2
CUTTERLY
1
Cattle
1
Chairs
1
Chopping BOARD TRAY
1
Container
2
Cooking Sticks
1
Cramps
1
Cutters
1
D
2
DECODOR
1
DEEP FREEZER
1
DEEP FREEZR
1
DEEP FRYER
1
DESKS
1
DISH
6
DISHES
3
DISPLAY CUPBOARD
1
DOLLS FOR DISPLAYING CLOT
1
DONE
501
DRAM
1
DRAMS
1
DRESSING MIRRORS
1
DRILLING MACHINE
3
DRINK CRATES
1
DRINKERS
5
DRUM
2
DRUMS
1
DSTV
1
DSTV Decoder
1
DVD
1
Deep Frier
1
Dishes
1
Done
21
1
ELECTRICTY
1
EMPTY SACKS
2
ENGINE
1
ENGINE BOAT
2
ENGINE BOATS
1
1
FAN
1
FEEDERS
6
FISH HOOK
1
FISHING HOOKS
1
FISHING NETS
1
FITST AID BOX
1
FLOOTS
1
FOLK
1
FRIDGE
3
FRIDGES
1
FUNEL
1
Folks
1
Furniture
1
G-CRAMPS
1
GAMING STANDS
1
GARDEN FOLK
1
GEN SET 3KVA
1
GENERATER
1
GOGGLES
1
GRAIN GRINDER
1
GRENARY
2
GRIDING MACHINE
1
GRINDER
3
GRINDERS
1
GUN ( USED For Burning )
1
1
Garden FOLK
2
Guillotine
1
HAG HOOKS
1
HAIR DRYER
2
HAIR EXTENSION
1
HAIR TONER
1
HAIR TONNERS
1
HAMMER
2
HAND COMPACTOR
1
HAND SAW
1
HANG WIRES
1
HARA
4
HARROW
2
HAWL
2
HEAT LAMPS
1
HEATERS
2
HOE
9
HOES
17
HOLES
2
HOME THEARTHER
1
HORSE PIPE
2
HOSE SPRAYER
1
HOSPIPE
2
HYDROLICK CABLE CUTTER
1
Hammer
1
Heaters
1
IMBORSING MACHINE
1
INFRA RED LIGHT
1
INFRA REDS
1
INVECTOR
1
INVERTER
1
IRON
1
1
Inventor
1
Inverter
4
KETTLES
1
KNIFE
1
Knapsack
1
LADDER
1
LAND
6
LAPTOP
1
LAPTOP (2)
1
LAPTOP PHOTO PRINTING MACHINE
1
LAPTOPS
1
LARGE BucketS
1
LAYING BOX
1
LIGHTS
1
LIVESTOCK
1
Lights
1
MAKE SHIFT
1
MANIKINS
1
MBAULA
1
MEASURING TAPE
3
MEDA
1
MEDAS
1
1
METAL PIPE
1
METALLIC POTS
1
MICROPHONE
1
MINI CANTER
1
MIRROR
2
MIRRORS
5
MIXER
1
MUPEN
1
MUSIC MACHINE
1
Mechanical Tools
1
Microphones
1
Mirrors
1
NEEDLES
5
NONE
9
O70
1
1
OFFICE EQUIPMENT
1
OFFICE Furniture
2
OTHER PIECES OF FURNITURE
1
OX CART
1
OXCART
1
Office DRAWER
1
PA SYSTEMS
1
PADDLIG STICK
1
PAN
1
PANS
1
PENS
1
PHOTOCOPIER
1
PICK
1
PIPE
1
PIPES
3
PIPES SPRAYER
1
PLANE
1
PLASTIC CHAIRS
1
PLASTICS
1
PLATES
1
PLONTO
1
PLOTS
1
PLOTTER CUTTER
1
PLOUGH
5
POT
1
POTS
7
PRINTER
2
PROCESSING FACILITIES
1
PROTECTIVE CLOTHING LIKE GROVS
1
PUMP
2
Plastic
2
Plough
1
Poultry House
1
RADIO
2
RAKE
6
RAKE AXE
1
RAKES
2
RALE
1
Radio
1
Rake
1
S0RAYES
1
SACK
2
SACKS
18
SAND PAPERS
1
SAW
1
SAWL
1
SCALE
1
SCISSORS
4
SCORCH CART
2
SCOTCH CART
2
SCOTH CART
1
SEEVER
1
SERVICE WIRE
1
SERVING DISHES
2
SERVING POTS
1
SHAVEL
13
SHOMEKA
1
SHOP
1
SHOVEL
3
SHOVELS
2
SICISORS
1
SIEVE
2
SLASHER
4
SLASHERS
7
SNEPSE
1
SODERING GUN
1
SOLAR PANEL
1
SOLDERING GUN
1
SOLDIERING WIRES
1
SOUND CARD
1
SPANNERS
1
SPARAER
1
SPOON
3
SPOONS
6
SPRAYER
14
SPRAYERS
2
SQUARE
2
STEREO
1
STOOL
3
STREGHTENER
1
STU
1
Scissors
1
Screw Driver
1
Shovel
1
Smart Phone
1
Solar
1
Solar Panels
1
Sound Card
1
Sprayers
1
Stereo
1
Stove
1
TABLE
5
TABLES
9
TAPE
1
TELEVISION
3
TELEVISION SET
1
TELEVISION SETS
1
TESTER
1
THIMBLE
1
TONA
1
TONER
5
TONERS
1
TONNER
3
TONNERS
1
TOOL BOX
1
TOOLS
1
TOUR BOXE CAPENTRY EQUIPMENT
1
TRAILOR
1
TRAY
1
TRIAL SQUARE
1
TRIANGLE
1
TRUCK
2
TV SET
1
TWO WATER TANK
1
Table
1
TableS
1
Tables
3
Television
3
UTENSILS
1
Vehicle
1
WARMER
1
WATER CANE
2
WATER CONTAINER
1
WATER DRINKERS
1
WATER PUMP
4
WATERING CANS
2
WATERPUMP
1
WELDING MACHINE
2
WHEEL BARROW
1
WHEELBARROW
3
WIRE
1
WIRE FOR PICKING FRITAS
1
Washing Dish
1
Welding Machine
2
Wheelbarrow
1
Wheelbarrows
1
Wooden Sticks
1
AST01A Asset
740
0
1 Fan
1
1 Stapler
1
2 BARBING Machines
1
2 CATTLES
1
2 Computers
1
2 SPADES
1
2 TONE TRUCK
1
25 TONE TIPPER
1
3 Bicycles
1
3 PERFORATORS
1
3 nets
1
40 " TV
1
5 LittleS BOTTLE
1
8 CONTAINER (20 LITRE CONTAINE
1
ACCESORIES
1
AEXES
1
AIR COMPRESSER
1
ANGLE GRINDER
1
AXE
2
AXES
8
Amplifier
2
BARBING MACHINE
1
BASINS
1
BED
1
BED AND MATTRESS
1
BENCH
1
BENCHES
1
BICYCLE
2
BIG DISHES
1
BIG POT
1
BIG POTS
1
BLAZE
1
BLOWERS (4)
1
BOREHOLE
1
BOTTLES
1
BRAZIER
1
BRAZIERS
2
BUCKET
6
BUCKETS
6
BULBS
1
BUS
1
Battery
2
Big Cooking Stick
1
Bucket
1
Business Vehicle
1
CAR
1
CARPETS
1
CATTLE
7
CHAINSAW
1
CHAIRS
10
CHEFFING Dishes
1
CLIMPILING TOOLS
1
CLUMP
1
COLD STORAGE FACILITIES
1
COMB
1
CONTAINERS
4
1
COOKING STICK
2
COOKING STICKS
1
CORNNER REVIEW
1
COTTON
1
CUPS
2
Chairs
1
Chisels
1
1
Construction Materials
1
Container
1
1
DESKS
1
DIGITAL CAMERA
1
DISH
2
DISHES
2
DISPLAY
1
DONE
349
DONES
1
DRILLING MACHINE
4
DRIP LINES
1
DRUM
1
Done
22
Drilling Machine
1
ELECTRIC GRINDER
1
ENGINE BOATS
1
ENVETER
1
1
FARM
1
FILE HAMMER
1
FIRST AID BOX
1
FOLK
1
FORK
1
FRIDGE
4
FRIDGES
1
FUNNELS
1
Fishing NETS
1
Fridges
1
G.CLAMP
1
GARDEN FOLK
1
GARDEN FOLKS
1
GAUGE
1
GENERATER
1
GITER
1
GLASSES
1
GOGOLES
1
GRENARY
1
HACK SAW
1
HAIR DRYER
1
HAIR DRYERS
1
HAIR STEAMERS
1
HAIR TONNER
1
HAMMER
1
HAMMERS
2
HEAT PRESS
1
HEATERS
1
HEATING LIGHTS
1
HOE
5
HOES
6
HORSE PIPE
2
HOSEPIPE
1
HOUSE
1
Hammer
1
Hosepipe
2
Incubator
1
JARS
1
JIG SAW
1
JOINT SAW
1
KNIFE
1
KNIFES
1
KNIVES
1
LAND
1
LAPTOP
1
Laminating Machine
1
Laptop
1
MEASHERING TAPE
1
2
MEASURING TAPE
5
MEASURING TAPES
2
MEDA
2
METAL CHAIRS
1
METAL PIPE
1
METAL PIPES
1
MIRRIOR
1
MIRROR
3
MIXING BOWL
1
MOTOR Machine
1
Machine For Freezits
1
Mirror
1
Mixing Bowl
1
NAILS
1
NEEDLES
1
NONE
6
PAN
1
PANS
1
PENS
1
PETROL
1
PHONE
1
PHOTOCOPIERS
1
PICK
1
PINS
1
PIPE
1
PIPES
1
PLANNING BOARD
1
PLASMA TV
1
PLASTICS
1
PLATES
3
PLAY STATION
1
PLOUGH
1
POKER VIBRATOR
1
POOL TABLE
1
POPCORN MACHINE
1
PORTABLE DRILLING MACHINE
1
POULTRY HOUSE
1
PRAIZE
1
PRINTERS
1
Piggery House
1
1
RADIO
1
RADIO CASSETTE PLAYER
1
RADIOS(3)
1
RAKE
3
REFRIGERATOR
1
REFRIGERATORS
1
RIMS
1
ROLLER STICKS
1
ROLLERS
1
ROLLING PIN
1
ROUTER
1
SACK
1
SACKS
2
SAWL
1
SCALE
1
SCANNERS
1
SCISSOPS
1
SCISSORS
2
SCORCH CARTS
1
SCOTCH CART
1
SEATS
1
SEEVER
1
SHASHING BESHINE
1
SHAVEL
8
SHAVELS
1
SHELTER
1
SHELVES
3
SHELVING DISHES
1
SHOVEL
1
SHOVELS
2
SHOVELS AND SPADES
1
SLASHA
1
SLASHERS
2
SMALL DISH
1
SMALL PLATE FOR Measuring
1
SOLA Panel
1
SOLAR PANELS
1
SPEAKER
1
SPIRIT BOTTLE
1
SPOONS
1
SPOONS SERVING DISHES
1
SPRAY CONTAINER
1
SPRAYER
8
SPRAYERS
4
SPRAYING CONTAINER
2
SQUARE
1
SQUARE RULER
1
STOOL
2
STOOLS
2
STOVE
1
SUCH CRAMP
1
Scroll Drive
1
TABLE
2
TABLES
10
TABLES AND CHAIRS
1
TELEVISION
4
TELEVISION SET
1
TENTS
1
THREE WELDING MACHINES
1
TONNER
1
TOO BOX OF SPURNERS
1
TOOL BOX
1
TOWELLS
1
TREADLEPUMP
1
TRUNK
1
Tables
1
Television
1
Television SET
1
Toolboxes
1
WATER CANE
1
WATER CANS
1
WATER PIPES
1
WATER Pump
1
WELLINGS
1
WHEELBORROW
1
WIGS
1
Wheelbarrow
1
Wheelbarrows
1
AST01A Asset
393
0
1 PERFORATOR
1
2 CHAIRS
1
2 Wheelbarrows
1
3 Pans
1
ARA
1
AXE
2
AXES
2
BAKERY Equipment
1
BALL FOR SOURCE
1
BARBA MASHINE
1
BATTERY
1
BENCHES
2
BIG POT
1
BLOWERES
1
BLOWERS
1
BOOK
1
BOTTLES AND CRATES
1
BRAZIER
1
BUCKETS
5
Bucket
1
CALABASH
1
CHAIR
1
CHAIRS
8
CHEMICAL MIXER
1
CLAW HAMMER
1
COMBS
2
COMPUTER
2
COMPUTERS
1
CONTAINER
2
COOKING STICK
1
CRAMPS
1
CREAMS
1
CUPS
1
Chisels
1
Containers
1
DECODER (DSTV)
1
DISHES
1
DISK
1
DISPLAY
1
DONE
189
DRESSING MIRRORS
1
DRILLER
1
DRILLING TOOLS
1
DRIP IRRIGATIONS
1
DRUMS
1
Done
22
ELECTRIC AND NON ELECTRIC IRON
1
ELECTRIC DRILLING MACHINE
1
ENVETER
1
EXTENSION CABLES
1
FARM CAR
1
FRIDGE
2
FRIDGES
1
FUNITURE
1
FURNITURE AND FITTINGS
1
GRAIN GRINDER
1
GRENARY
1
Generator
1
HAIR ROLLERS
1
HAIR TONE
1
HAND DRILL
1
HAND SAW
1
HAWL
1
HEAT PRESS
1
HOES
4
HORSE PIPE
1
HOUSE
1
Hand BRUSHES
1
INFRA RED BULBS
1
INFRARED BULBS
1
IRRIGATION SYSTEMS
1
Keyboard
1
L-RULER
1
LEVEL
1
LIGHT
1
LINNEN
1
MATRESS
1
MBAULA
1
MEASURING TAPE
1
METAL SPOON
1
MIRROR
1
MIXERS(3)
1
Measuring Tape
1
Mirror
1
NON
1
NONE
6
OVERRALLS
1
PHONE
1
PICK
2
PICKS
1
PIPES
1
PLANE
1
PLASTICS
1
PLATES
2
POLISHING MACHINE
1
POLY PIPES
1
PRESSING IRON
1
PUMP
1
Paraffin
1
Plough
1
RADIO
1
RAGS
1
RAIL LINE BAR
1
RAKE
2
RIPPER
1
SACK
1
SACKS
1
SANDLE
1
SAW DUST
1
SAWING MACHINES(TWO ELECTRICAL
1
SERVICING WIRE
1
SHAVEL
1
SHELL
1
SHOLVES
1
SHOMEKA
1
SHOVEL
2
SLASHERS
1
SPOON
1
SPRAYER
2
SPRAYERS
1
SQUARE
2
STOOLS
2
STRATEGY
1
Shovel
1
Spanners
1
Staplers
1
TABLE
1
TABLES
5
TEA CUPS
1
TELEVISION
1
TELEVISIONS
1
TESTER
1
THIMBLES
1
TOOLS BOX
1
TOP STAR
1
TRAILER
1
TRYS
1
TSHIRT PRINTERS
1
TV SetS
1
TWO BOOTH STANDS
1
TableS
1
VACUUM CLEANER
1
VAY SCRUMP
1
WATER PUMP
1
WATER TANKERS
1
WOOVEN
1
WORKSHOP TABLE
1
AST01A Asset
203
0
2 Tables
1
40 Plates
1
AMPLIFIERS (3)
1
AXE
2
BLANKETS
1
BOWL
1
BRAII STAND
1
BRAZIOR
1
BRUSHES
1
Brazier
1
CAR
1
CAR WASH PIPE
1
CASH BOX
1
CATTLE
1
CHAIRS
6
CHALK
1
CHEFING PLATES
1
CHEZO
1
CHITENGE
1
CHOPPING BOAD
1
CONTAINERS
1
CONTROLLERS
1
COOLERS
1
CRAMPER
1
Container
1
DAIRY Equipment
1
DISHES
1
DONE
80
DRAM
1
DRAMS
1
DRILLING MACHINE
1
DSTV Decoder
1
Done
23
Drum
1
FLOWERS
1
FOLK
2
FREEZER
1
FRIDGE
1
FRIDGES
1
FUNNY
1
GAEDEN FOLKS
1
GARDEN FOLK
1
HAIR STRAIGHTENERS
1
HAMMER
2
HAMMERS
2
HEADSETS
1
HOE
1
JARS
1
KNIFE
1
LAPTOPS
2
MATRASSES
1
MEASURING TAP
1
MEASURING TAPE
1
METALS CHAIRS
1
MIRRORS
1
MUG PRINTERS
1
NONE
4
PA System
1
PACNHING TOOLS
1
PEAKS
1
PLANTER
1
POKER VIBRATOR
1
POPCORN MASHINE
1
SACKS
1
SAMSUNG SMART PHONE
1
SCREW Driver
1
SHINING
1
SHOVELS
1
SOLAR PANEL
1
SPOONS
1
SPRAYER
2
SPRAYERS
1
SPRAYING TANK
1
STOVE
1
Sprinklers
1
T Square
1
TABLES
3
THREE BRICKLAYING TOOLS
1
TOYS FOR KIDS
1
TROWEL
1
VICE
1
WELDING MACHINE
1
WHEEL BARROW
1
WIGS
1
WIRING TAPE
1
Wheelbarrow
1
AST01A Asset
124
0
AXE
3
BACKETS
1
BAG
1
BED SHEETS
1
BENCHING TABLE
1
BRAII STAND
1
CAR
1
CHAIRS
1
CHIEFING DISHES
1
CHISEL
1
COMBS
1
COMPUTER
1
CONTAINER
1
CUPS
2
CUTLERY
1
DONE
39
Done
23
ELECTRIC KETTLE
1
GARDENFOLKS
1
GENERATOR
1
GRANERY
1
HORSE PIPE
1
KNIFE
1
KNIVES
1
LAMINATING MACHINES
1
LINEN
1
1
MEASURING TAPE
2
MIRRORS
1
MUSICAL SYSTEM
1
Microwave
1
NONE
4
OFFICE SPACE
1
PEN
2
POTS/PLATES
1
PUMP
1
SANDAL
1
SASH CRAMP
1
SCREW DRIVER
1
SHANER
1
SLASHES
1
SMALL NON SMART PHONE
1
SPEAKERS (6)
1
SPOONS
1
SPRAYERS
1
STEAM PODS
1
STOOLS
1
Speakers
1
TABLES
2
TENANI
1
TENT
1
THREE DRILLING MACHINES
1
TOOL BOX
1
TREY
1
TRUCK
1
AST01A Asset
85
0
ACCESORRIES
1
BOOK
1
BOTTLES AND CRATES
1
CAPETS
1
CAR
1
CHAIRS
1
CONTAINER
1
CUPS
2
1
Cutlery
1
DELIVERY VANS
1
DONE
23
Done
23
FLASK
1
GAS BOTTLES
1
HORSEPIPES
1
JARS
1
MIRROR
1
NONE
4
OIL STONE
1
OPENNER
1
PAPER
1
PHONE
1
PILLOWS
1
PIPE
1
PIPES
1
PLONTAL
1
ROLLERS
2
SAND PAPER
1
SANDLE
1
SERVING POTS
1
SLASHERS
1
SOW DUST
1
TABLE
1
TWO SECULER SAW ELECTRICLA
1
VEHICLES
1
AST01A Asset
61
0
BATHING TOWELS
1
BRAISERS
2
CATROD PAPER
1
CHAIRS
1
CHAIRS (55)
1
COMBS
1
CUTER
1
Cable
1
DISHERS
1
DONE
14
Done
23
FREEZER, ETC
1
GLUE
1
MICROWAVE
1
NONE
4
PLAIN
1
STOVES
1
Screw DRIVERS
1
T.V
1
THREE GRINDERS
1
TONNERS
1
WELDING MACHINE
1
AST01A Asset
47
0
BOWLSOW
1
BUCKETS
1
CAKE MIXERS
1
CHAIRS
1
COMBS
1
COMPUTER
1
DONE
7
Done
23
1
NONE
4
PRESSING IRON
1
SMALL OTHER EQUIPMENTS
1
SPRAY GUN
1
STONE TABLES(3)
1
TOWELS
1
VANNISH
1
AST01A Asset
38
0
CHIP STONE GUN
1
CIRCULAR SOW
1
DONE
6
Done
23
NONE
2
POTS
1
SMALL POCKET BOOKS
1
TABLE
1
TABLES
1
WOOD TABLES(4)
1
AST01A Asset
32
0
DONE
5
Done
23
NONE
2
ROUTER MACHINE
1
TABLES
1
AST01A Asset
27
0
CUTLERY
1
Done
23
GRINDER
1
NONE
2
AST01A Asset
27
0
DRILLING MACHINE
1
Done
23
NONE
2
PANS
1
AST01A Asset
27
0
DONE
2
Done
23
NONE
2
AST01A Asset
25
0
Done
23
NONE
2
AST01A Asset
25
0
Done
23
NONE
2
AST01A Asset
25
0
Done
23
NONE
2
AST01A Asset
25
0
Done
23
NONE
2
AST01A Asset
25
0
Done
23
NONE
2
AST01A Asset
25
0
Done
23
NONE
2
AST01A Asset
25
0
Done
23
NONE
2
AST01A Asset
24
0
Done
23
NONE
1
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST01A Asset
23
0
Done
23
AST02 Land Owned
3985
78
1
Yes
939
2
No
3046
Sysmiss
78
AST02A Land has title deed?
939
3124
1
Yes
140
2
No
799
Sysmiss
3124
AST03 Building owned
3985
78
1
Yes
385
2
No
3600
Sysmiss
78
AST03 Building has title deed?
385
3678
1
Yes
107
2
No
278
Sysmiss
3678
AM01 Where do you mainly sell your products, produce or services?
3980
83
1
At home/ the farm/ business premises
1902
2
Outside home/ the farm but within the community
1010
3
Outside the community but within the district
733
4
Outside the district
268
5
Outside the country
15
6
Other, specify
52
Sysmiss
83
AM01 Where do you mainly sell your products, produce or services?
67
0
ANYWHERE
1
AT HOME, CHOMA TOWN AND AT THE GARDEN
1
1
BY THE ROADSIDE
1
COMMUNITY AND CHOMA TOWN
1
FRA
8
Facebook
1
Food Reserve Agency (FRA)
1
Food reserve agency
1
Have not started selling yet
1
1
IS MOBILE
1
MOBILE
1
Mobile business
1
NO FIXED LOCATION
1
ONE IN CBD IN LIVINGSTONE
1
Riverside
1
Shops with in the the town
1
THROUGH OUT THE PROVINCE
1
1
WITHIN THE COUNTRY BUT OUTSIDE THE DISTRICT
1
anywhere where i am called
1
around peoples homes
1
at home
1
at market
1
at roadside within the district
1
at the market
1
1
business Just started nit sold yet
1
business knowledge
1
1
food reseerve agency
1
food reserve agency
1
going round the community selling
1
i just receive orders, then i make the door for a client
1
internet and physical market
1
just highered to put up roofs
1
1
just take to FRA within the community
1
kitwe and kalulushi
1
1
market
3
mobile
1
no challenge
1
no challenges
1
on the street
1
online portals
1
out the province
1
overse
1
residential areas
1
road
1
sell on demand
1
1
supply to FOOD RESEERVE AGENCY
1
we sell to FRA within the community by transporting there
1
1
within and outside
1
within the community
1
AM01A What is your main mode of transport to the market for your product, produce or service?
2098
1965
1
By foot
784
2
Bicycle
256
3
Vehicle
842
4
Train
5
5
Boat
26
6
Aircraft
2
7
Scotch cart
53
8
Other, specify
30
9
Motor cycle
100
Sysmiss
1965
AM01A Specify main mode of transport to the market for your product, produce or service.
29
0
Business Just started
1
Canoe
1
Canoes
1
Don't transport my services
1
1
HOME
1
NON
1
No products to transport
1
Not yet
1
THE BUSINESS IS MOBILE
1
bus
1
canoe
3
depends on the distance to the site.
1
he has it in lusaka
1
it varies within the community, i walk
1
no fixed place its at stations
1
no transport the company that buys come to collect
1
1
pack there
1
people come to buy
1
she sells within the district and outside
1
they come to buy at the farm
1
they come to pick up from home unless otherwise
1
they were followed by customers
1
1
uses the same bus
1
wheelbarrows
1
AM01B How long do you take to get to the market where you sell your product, produce or service
2091
1972
1
Minutes
1202
2
Hours
809
3
Days
80
Sysmiss
1972
AM01BS Specify how long you take to get to the market where you sell your product, produce or service
2090
1973
1
450
14.487
19.586
AM01C State the country to which you normally sell your products or services? Only ask if response in q1 is outside the country
16
4047
42
190
1
Afghanistan
0
2
Albania
0
3
Algeria
0
4
Andorra
0
5
Angola
0
6
Anitqua and Barbuda
0
7
Angentina
0
8
Armenia
0
9
Australia
0
10
Austria
0
11
Azerbaijan
0
12
Bahamas
0
13
Bahrain
0
14
Bangladesh
0
15
Barbados
0
16
Belarus
0
17
Belgium
0
18
Belize
0
19
Benin
0
20
Bermuda
0
21
Bhutan
0
22
Bolivia
0
23
Bosnia and Herzegovia
0
24
Botswana
0
25
Brazil
0
26
Brunei Darusasalam
0
27
Bulgaria
0
28
burkina Faso
0
29
Burundi
0
30
Cambodia
0
31
Cameroon
0
32
Canada
0
33
Cape Verde
0
34
Cayman Islands
0
35
Central African Republic
0
36
Chad
0
37
Channel Islands
0
38
Chile
0
39
China PR
0
40
Colombia
0
41
Comoros
0
42
Congo
1
43
Congo (Democratic Republic of the )
4
44
Costa Rica
0
45
Croatia
0
46
Cuba
0
47
Cyprus
0
48
Czech Republic
0
49
Cote d'Ivoire
0
50
Denmark
0
51
Djibouti
0
52
Dominica
0
53
Dominican Republic
0
54
Ecuador
0
55
Egypt
0
56
El Salvador
0
57
Equitorial Guinea
0
58
Eritrea
0
59
Estonia
0
60
Ethiopia
0
61
Falkland Islands
0
62
Figi
0
63
Finland
0
64
France
0
65
Gabon
0
66
Gambia
0
67
Georgia
0
68
Germany
0
69
Ghana
0
70
Gibraltar
0
71
Greece
0
72
Grenada
0
73
Guautemala
0
74
Guernsey
0
75
Guinea-Bissau
0
76
Guyana
0
77
Haiti
0
78
Honduras
0
79
Hong Kong
0
80
Hungary
0
81
Iceland
0
82
India
0
83
Indonesia
0
84
Iran ( Islamic Republic of)
0
85
Iraq
0
86
Ireland
0
87
Isle of Man
0
88
Israel
0
89
Italy
1
90
Jamaica
0
91
Jersey
0
92
Jordan
0
93
Japan
0
94
Kazakhanistan
0
95
Kenya
0
96
Kiribati
0
97
Korea (Democratic People's Republic)
0
98
Kuwait
0
99
Kyrgyztar
0
100
Lao's Peoples Democratic Republic
0
101
Latvin
0
102
Lebannon
0
103
Lesotho
0
104
Liberia
0
105
Libya
0
106
Liechtenstein
0
107
Lithuania
0
108
Luxembourg
0
109
Madagascar
0
110
Malawi
5
111
Malaysia
0
112
Maldives
0
113
Mali
0
114
Malta
0
115
Mauritiania
0
116
Mauritius
0
117
Mexico
0
118
Moldovo
0
119
Montenegro
0
120
Morocco
0
121
Mozambique
0
122
Myanmar
0
123
Namibia
0
124
Nepal
0
125
Netherlands
0
126
Netherlands Antilles
0
127
New Zealand
0
128
Nicaragua
0
129
Niger
0
130
Nigeria
0
131
Norway
0
132
Oman
0
133
Pakistan
0
134
Palau
0
135
Panama
0
136
Papua New Guinea
0
137
Parguay
0
138
Peru
0
139
Phillipines
0
140
Poland
0
141
Portugal
0
142
Qatar
0
143
Romania
0
144
Russian Federation
0
145
Rwanda
0
146
Saint Kitts and Nevis
0
147
Saint Lucia and the Grenadines
0
148
Samoa
0
149
Sao Tome and Principe
0
150
Saudi Arabia
0
151
Senegal
0
152
Serbia
0
153
Seychelles
0
154
Sierra Leon
0
155
Singapore
0
156
Slovakia
0
157
Slovenia
0
158
Solomon Islands
0
159
South Africa
2
160
South Sudan
0
161
Spain
0
162
Sri Lanka
0
163
Sudan
0
164
Swaziland
0
165
Sweden
0
166
Switzerland
0
167
Syrian Arab Republic
0
168
Tajikistan
0
169
Tanzania
1
170
Thailand
0
171
Togo
0
172
Tonga
0
173
0
174
Tunisia
0
175
Turkey
0
176
Turkmenistan
0
177
Uganda
0
178
Ukraine
0
179
United Arab Emirates
0
180
United Kingdom
0
181
United States
0
182
United States Virgin Islands
0
183
Uruguay
0
184
Uzbekistan
0
185
Virgin Islands British
0
186
Venezuela
0
187
Vietnam
0
188
Yemen
0
189
Zambia
1
190
Zimbabwe
1
AM02 Who are your main clients
3980
83
1
Individuals / households
3164
2
Small businesses
484
3
Large businesses
86
5
Export market
8
6
Government
196
7
Co-operative
11
8
Other specify
31
Sysmiss
83
AM02S Who are your main clients specify
33
0
ALL MEMBERS OF THE PUBLIC
1
Also companies
1
BRIEF CASE BUYERS
1
FOOD RESERVE AGENCY
1
1
MEMBERS OF THE PUBLIC
1
Mixed clients
1
Not yet ready for the market
1
TOBACCO PROCESSING LIMITED
1
brief case buyers
3
briefcase buyers
1
briefcase/private buyers
1
builders of lodges
1
civil servants
1
1
government (maize) and individual
1
individ
1
individual and small business
1
individuals and small business
1
individuals and small businesses
1
motorists
2
musicians
1
private buyers
1
private entities eg chinise and indians
1
private tobacco companies
1
private tobaco companies
1
private(briefcase buyers)
1
private/briefcase buyers from outside district
1
pupils and students
1
school children
1
AM03 How do you advertise this business' products, produce or services? Multiple response
3980
0
A
877
AB
29
ABCH
1
ABCHL
1
ABDI
1
ABF
1
ABG
1
ABGH
1
ABH
11
ABHI
4
ABHIP
1
ABI
2
ABIL
2
ABJ
1
ABL
2
AC
1
ACH
1
ACI
2
ACIL
1
ACJ
1
ACL
1
ADH
1
AF
1
AG
1
AGHI
1
AGHL
1
AH
43
AHI
24
AHIJ
1
AHIL
1
AHIP
1
AHJ
1
AHJL
1
AHL
9
AHLM
1
AHP
1
AI
129
AIJ
1
AIJL
1
AIK
2
AIL
12
AIM
1
AIP
1
AJ
8
AK
3
AL
55
AM
15
B
37
BC
1
BCF
1
BCH
1
BCI
1
BEH
1
BGHJM
1
BGHM
1
BH
12
BHI
3
BI
6
BK
1
BP
1
C
9
CD
1
CH
2
CHI
2
CHM
1
CO
1
F
1
FH
1
FHL
1
FIL
1
G
3
GH
2
H
93
HI
26
HIL
5
HIM
2
HJ
1
HL
3
HP
2
I
113
IL
6
ILP
1
J
1
K
2
KM
1
L
21
M
19
N
2302
P
32
AM03 How do you advertise this business' products, produce or services? Multiple response
42
0
Boys who sale advertise for us
1
DANGER ( A PLATE AT ROADSIDE )
1
1
NOTICE IN PUBLIC PLACES
1
PLATE , STONE BY THE ROAD SIDE
1
They visit my farm
1
Through existing customers
1
We take directly to FRA
1
a sign by the roadside
1
business cards
1
1
call while going round itezhi
1
dis0lay by the road side
1
display at the market
3
display by the road side
1
display outside
1
displaying finished products
1
existing customers
1
going door to door
1
i dont advertise
1
just hang a bottle on a stick
1
1
phone calls
1
phone calls to customers
1
phone calls to my customers
2
playing MUSIC
1
plays loud music
1
recording on sound speaker
1
road side
1
she wears her owns clothes to
1
sign bu roadside
1
sign by roadside
1
1
through Individual contact
1
through existing customers
1
through friends
1
vending
1
verbal
1
walk in
1
3980
83
1
Payment on delivery
3518
2
Credit sale
399
3
Advance payment
41
4
Other, specify
22
Sysmiss
83
AM04S Specify main mode of sale clients specify
25
0
By order
1
1
Credit Terms (after two weeks )
1
Not yet started selling
1
PAY SLOW
1
after two weeks
1
barter trade
1
both credit and cash
1
both on credit and cash
3
both payment on delivery(fish) and credit sale(maize)
1
business is yet to sell
1
commission based as soft cash
1
credit
1
1
exchange goods (barter system)
1
1
give a down payment
1
part payment
1
pay slow
1
1
receipt from FRA then paid from the bank after some weeks
1
services
1
1
AM05 How do your customers normally pay for the business' product, produce or service?
3980
83
1
Cash
3766
2
Mobile money
64
3
Point of Sale (Swiping)
3
4
Bank transfer
79
5
Cheque
44
6
Other, specify
24
Sysmiss
83
AM05S Specify how your customers normally pay for the business' product, produce or service?
25
0
99
1
BOTH BANK AND MOBILE
1
Business is yet to sell
1
Mobile money and cash
1
Not yet started selling
1
Paid through Bank counter
1
Vanture
2
1
barter system
1
barter system. exchange with rice
1
barter trade
1
batter system
1
1
both cash and floats
1
1
cash and bank tranfers
1
cash and maize
1
exchange with maize grain
1
farm produce_barter system
1
it through widraws and deposit
1
1
receipt from FRA then paid from the bank after some weeks
1
1
sometims cash and others through the village leaders
1
AM06 Does this business face market access constraints?
3980
83
1
Yes
1533
2
No
2447
Sysmiss
83
AM06A What are some of the constraints challenges you encounter in accessing the market for this business' products/produce/services
1550
0
A
137
AB
1
ABCDE
2
ABCDEJK
1
ABDEJ
2
ABE
1
AC
12
ACD
21
ACDE
7
ACDEH
1
ACDEJ
5
ACDEJK
1
ACDEK
2
ACDGJ
1
ACDGK
2
ACDH
1
ACDJ
8
ACDJK
6
ACDK
3
ACE
4
ACEG
1
ACF
1
ACG
4
ACH
2
ACJ
7
ACJK
2
ACK
4
AD
84
ADE
16
ADEG
2
ADEGJ
4
ADEGJK
1
ADEH
1
ADEJ
11
ADEJK
1
ADEK
1
ADG
2
ADGJ
1
ADGK
1
ADH
3
ADI
1
ADJ
28
ADJK
4
ADK
13
AE
18
AEG
3
AEGJK
2
AEH
1
AEJ
10
AEJK
2
AEK
1
AFJ
1
AG
4
AGH
1
AGK
1
AH
10
AIK
1
AJ
27
AJH
1
AJK
5
AK
5
AKH
1
B
5
BD
1
BEG
1
BEGJ
1
BF
1
BG
1
BJ
2
C
23
CD
6
CDE
4
CDEGJK
1
CDEJ
2
CDEJK
1
CDEK
1
CDFJK
1
CDJ
5
CDJK
2
CE
1
CEFG
1
CEFGK
1
CEG
1
CEJ
9
CEJK
3
CEK
2
CG
3
CGJ
1
CGJK
1
CGK
2
CH
2
CJ
15
CJH
1
CJK
3
CK
8
CKH
1
D
141
DE
10
DEFJ
1
DEG
2
DEGJ
2
DEH
1
DEJ
14
DEJK
3
DEK
5
DFGJ
1
DFJK
1
DG
3
DGJ
3
DGJK
2
DGK
3
DH
4
DIJ
1
DJ
34
DJK
6
DK
10
E
106
EF
2
EFGJK
1
EFJ
7
EFJK
1
EFK
1
EG
7
EGJ
7
EH
2
EI
3
EJ
82
EJH
4
EJK
8
EJKH
2
EK
13
F
4
FGJ
1
FJ
5
G
13
GH
1
GIJK
1
GJ
6
GJK
3
GK
3
H
111
I
2
J
223
JH
7
JK
21
JKH
2
K
32
KH
2
AM06S What are some of the constraints challenges you encounter in accessing the market for this business' products/produce/services
161
0
ACCESS TO RAW MATERIALS
1
ADVERTISEMENT PLATFORM NOT WIDE
1
1
BEING CHASED BY THE BUYERS
1
Business not doing too well
1
COMPETITIVE PRICING
1
Cash flow
1
DELAYING IN SELLING PRODUCTS AT THE DEPOT
1
Distance from the purchase points of the required
1
ECONOMIC CHALLENGES FOR THE DISTRICT
1
EXPERIENCING TOO MUCH SHORTAGES
1
Econonomic hardships
1
FEW CUSTOMERS
3
FEW ORDERS FOR MILK
1
Few Customers
1
Fuel increments
1
Governement policies on local supliers not good
1
HIDING FROM AUTHORITIES
1
High transportation costs.
1
It's a seasonal business
1
LESS TRANSACTIONS
1
LOW CUSTOMER BASE
1
LOW DEMAND ON PRODUCTS
1
Lack of adequate fertilizer
1
Lack of capital
1
1
Lack of help in carrying utensils for the business
1
Late payment by FRA
1
Less Customer base
1
Liquidity, business has been slow
1
MOST PEOPLE NOT KNOWLEDGLE
1
Most customers have shifted
1
Movement in the rain season
1
POLITICAL AFFLIATION
1
REDUCTION IN NUMBER OF CUSTOMERS
1
SHORTAGE OF SUPPLY FROM SUPPLIER
1
Sales of Jerseys are seasonally
1
Some customers fail to pay on time
1
Sometimes bags may contain small particles/pieces
1
TENANTS RUNS AWAY WITH MONEY FOR RENTALS
1
THEFT OF MONEY BY WORKERS
1
TOO MANY DOING MACHANIC
1
TOO MUCH COMPETITION
1
Tiredness walking around with merchandise
1
Where to get spare parts from and modifying of spa
1
a few know her place
1
bad proruct some times
1
bottlebreakages
1
business is slow
1
clients default
1
clients dont payback on time
1
creditors don't pay back on time
1
customers do not have money for grinding
1
customers have no money these days
1
customers have not yet known my business
1
customers have to cross the river
1
customers holding on cash
1
customers what at lower prices
1
1
debtors take long to pay back
1
1
delay in paying back
1
delay in payments by FRA
1
delay payment by client
1
delay payments from FRA, army worms
1
delaying payment
1
delayment in giving me money
1
delayment in payments
1
difficult to find milk
1
difficult to sale as expected
1
distance from the farm to home where the facility
1
distance is too much from where its ordered
1
1
electrical connection
1
fear of forest department
1
feed and medication does not have
1
fertilizer
1
few customers
1
finding customers to buy off the cabbages
1
finding someone to sell
1
flooding of the prduct on the market
1
food reserve delay paying us
1
harassment by council police
1
he has to cross the stream
1
high competition
2
high cost of transportation
1
high ordering prices for beer
1
high transport costs
1
if the baro have poor clothes
1
inadequate capital
1
labour
1
lac
1
1
lack of customers
1
lack of electricity
1
lack of enough capital
1
lack of money
1
lack of permanent shop ,
1
lack of resources
1
lack of sponsors
1
lack of trading space
1
lack of trust from peoples as it was a new product
1
lack of well managed drying facilities
1
less customers
1
less money to do more
1
1
1
long distance from the farm to FRA
1
long distances where to buy the products
1
loss of livestock as they are transported
1
low demand due to low population Density
1
low income to purchase fertilizer
1
low profit due to low customer network
1
luck of production matrials
1
most customers have to cross the river
1
motality detah high before selling
1
much of the works goes to the people who can finan
1
neighbours troubling on credits
1
no challenge
1
no challenged
1
no electricity, where to order goods is very far
1
no fertilizer and no adequate seeds
1
no market during rain season
1
no proper marketing place
1
none
2
not easy to find clients
1
order price of fish is expensive
1
paying they lend money to dont pay
1
poor sales sometimes
1
risky water transport
1
stocking up with good alcoholic drinks
1
the business is too competitive
1
the freezits were damaged
1
1
too few customers
1
too many contractors competition is high
1
too many grocery shops
1
too much competition
1
too much movements
1
too risky to transport charcoal on the lake
1
transport
5
transport costs is high, wait to long for the fra
1
transportation is expensive
1
transportation of material from place of purchase
1
transporters are too expensive
1
vehicles which are not registered also are allowed
1
very few can aford to buy with cash
1
waited for sometime days for the maize to be weigh
1
wastage of the product when delayed to be bought
1
water challenge
1
water transport is risky when it's windy
1
water transport is risky.
1
where flour is purchased is very far
1
AM07 Are you a member of any business associations?
3980
83
1
Yes
154
2
No
3826
Sysmiss
83
AM08 What type of business association do you belong to?
165
0
A
52
AC
1
AH
1
B
1
C
5
D
2
DG
1
E
1
G
1
H
10
K
90
AM08 Specify what type of business association you belong to.
87
0
7 group village banking
2
AFGZ Group
1
AMZ
1
Aisha Car Dealers Association
1
Buntungwa Cooperative
1
CCFFAAZ(CUSTOMS CLEARING FREIGHT FOWARDERS ASSOCIATION IN ZA
1
CHARCOAL ASSOCIATION OF ZAMBIA
1
Chabu Kasansha Cooperative
1
Chankhanga cooperative
1
Chilungamo cooperative
1
Destiny Helpers
1
FAITHFUL WOMENS CLUB
1
Food And General supply
1
GUNDU COOPERATIVE UNION
1
HOTELS AND CATERING ASSOCIATION
1
ISAP
1
KASINKO COOPERATIVE GROUP
1
1
Kakula cooperative
1
Kalusadwe Cooperative
1
Kamakuka cooperative
1
LUSAKA COOPERATIVES SOCIETY
1
Lundazi poultry Association
1
Madaliso Business Association
1
Mukangala Cooperative
1
Mulepula Mputa Cooperative
1
Muno Cooperative
1
1
Najintibi cooperative
1
Natures nector
1
PRIVATE SCHOOL ASSOCIATION
1
REGENT CAR DEALERS ASSOCIATION
1
SILK
1
SILK GROUP
1
Silk Group
2
1
The traditional health practitioners association of Zambia
1
1
Tukoshiwe cooperative
1
Village Banking
2
Womens club
1
ZAMBIA NATIONAL ASSOCIATION FOR SAWMILLERS
1
1
Zambia bars and nightclubs owners association of zambia
1
1
bars and nightclubs owners association of zambia
1
calytas zambia
1
chibote womens club
1
chibunda cooperative
1
chilimba
4
club
1
communal farming scheme
1
fisp
1
fore road multi purpose cooperative ltd
1
institute of directors,
1
kabwe chamber of commence national council for construction
1
kamukalawu cooperative
1
kancibuli cooperative
1
kosa talila community group
1
1
micro loans
1
multipurpose comparative
1
national construction council
2
national council for construction
1
osawa
1
pourty association
1
president of bars and nightclub owners association of zambia
1
sando cooperative
1
savings group
1
simoonga daily cooperative
1
suku village banking
1
timber producer association of zambi
1
twikatane savers
1
vellage banking
1
village banking
3
village banking group
1
womens kamtete club
1
zudu
1
AM09 What kind of support do you receive from the business association you belong to?
157
0
A
14
AB
2
ABD
1
ABDG
1
ABDGHJ
1
ABEH
1
ABEJ
2
ABG
1
ACDFG
1
ACEHJ
1
ACEJ
1
ACFH
1
AD
4
ADE
1
ADF
4
ADFGH
1
ADG
1
ADGH
1
ADH
2
ADJ
1
AE
1
AEG
1
AEH
1
AF
2
AFHJ
1
AG
1
AH
1
AJ
1
B
13
BD
1
BDEFJ
1
BE
2
BF
5
BFH
2
BH
3
CG
1
D
2
DF
3
DFGH
2
DG
1
DGI
1
E
20
EH
6
EHJ
2
EJ
14
F
3
H
5
HJ
2
I
1
J
5
K
11
13
0
JUST FORMED
1
NO BENEFITS
1
NONE
1
1
no benefit
1
no benefits
1
nothing
5
nothing yet we just started it
1
womens kamtete club
1
AM10 Do you import raw materials, products or services for your business?
3980
83
1
Yes
91
2
No
3889
Sysmiss
83
AM11 State the country from which you normally import your products or services?
91
3972
1
Afghanistan
0
2
Albania
0
3
Algeria
0
4
Andorra
0
5
Angola
1
6
Anitqua and Barbuda
0
7
Angentina
0
8
Armenia
0
9
Australia
0
10
Austria
0
11
Azerbaijan
0
12
Bahamas
0
13
Bahrain
0
14
Bangladesh
0
15
Barbados
0
16
Belarus
0
17
Belgium
0
18
Belize
0
19
Benin
0
20
Bermuda
0
21
Bhutan
0
22
Bolivia
0
23
Bosnia and Herzegovia
0
24
Botswana
1
25
Brazil
0
26
Brunei Darusasalam
0
27
Bulgaria
0
28
burkina Faso
0
29
Burundi
0
30
Cambodia
0
31
Cameroon
0
32
Canada
0
33
Cape Verde
0
34
Cayman Islands
0
35
Central African Republic
0
36
Chad
0
37
Channel Islands
0
38
Chile
0
39
China PR
6
40
Colombia
0
41
Comoros
0
42
Congo
2
43
Congo (Democratic Republic of the )
5
44
Costa Rica
0
45
Croatia
0
46
Cuba
0
47
Cyprus
0
48
Czech Republic
0
49
Cote d'Ivoire
0
50
Denmark
0
51
Djibouti
0
52
Dominica
0
53
Dominican Republic
0
54
Ecuador
0
55
Egypt
0
56
El Salvador
0
57
Equitorial Guinea
0
58
Eritrea
0
59
Estonia
0
60
Ethiopia
0
61
Falkland Islands
0
62
Figi
0
63
Finland
0
64
France
1
65
Gabon
0
66
Gambia
0
67
Georgia
0
68
Germany
0
69
Ghana
1
70
Gibraltar
0
71
Greece
0
72
Grenada
0
73
Guautemala
0
74
Guernsey
0
75
Guinea-Bissau
0
76
Guyana
0
77
Haiti
0
78
Honduras
0
79
Hong Kong
0
80
Hungary
0
81
Iceland
0
82
India
1
83
Indonesia
0
84
Iran ( Islamic Republic of)
0
85
Iraq
0
86
Ireland
0
87
Isle of Man
0
88
Israel
0
89
Italy
0
90
Jamaica
0
91
Jersey
0
92
Jordan
0
93
Japan
5
94
Kazakhanistan
0
95
Kenya
0
96
Kiribati
0
97
Korea (Democratic People's Republic)
0
98
Kuwait
0
99
Kyrgyztar
0
100
Lao's Peoples Democratic Republic
0
101
Latvin
0
102
Lebannon
0
103
Lesotho
0
104
Liberia
0
105
Libya
0
106
Liechtenstein
0
107
Lithuania
0
108
Luxembourg
0
109
Madagascar
0
110
Malawi
11
111
Malaysia
0
112
Maldives
0
113
Mali
0
114
Malta
0
115
Mauritiania
0
116
Mauritius
0
117
Mexico
0
118
Moldovo
0
119
Montenegro
0
120
Morocco
0
121
Mozambique
0
122
Myanmar
0
123
Namibia
1
124
Nepal
0
125
Netherlands
0
126
Netherlands Antilles
0
127
New Zealand
0
128
Nicaragua
0
129
Niger
0
130
Nigeria
1
131
Norway
0
132
Oman
0
133
Pakistan
0
134
Palau
0
135
Panama
0
136
Papua New Guinea
0
137
Parguay
0
138
Peru
0
139
Phillipines
0
140
Poland
0
141
Portugal
0
142
Qatar
0
143
Romania
0
144
Russian Federation
0
145
Rwanda
0
146
Saint Kitts and Nevis
0
147
Saint Lucia and the Grenadines
0
148
Samoa
0
149
Sao Tome and Principe
0
150
Saudi Arabia
0
151
Senegal
0
152
Serbia
0
153
Seychelles
0
154
Sierra Leon
0
155
Singapore
0
156
Slovakia
0
157
Slovenia
0
158
Solomon Islands
0
159
South Africa
21
160
South Sudan
0
161
Spain
0
162
Sri Lanka
0
163
Sudan
0
164
Swaziland
0
165
Sweden
0
166
Switzerland
0
167
Syrian Arab Republic
0
168
Tajikistan
0
169
Tanzania
30
170
Thailand
1
171
Togo
0
172
Tonga
0
173
0
174
Tunisia
0
175
Turkey
1
176
Turkmenistan
0
177
Uganda
0
178
Ukraine
0
179
United Arab Emirates
0
180
United Kingdom
1
181
United States
1
182
United States Virgin Islands
0
183
Uruguay
0
184
Uzbekistan
0
185
Virgin Islands British
0
186
Venezuela
0
187
Vietnam
0
188
Yemen
0
190
Zimbabwe
0
Sysmiss
3972
BC01 Did you experience any challenges when setting up this business? Multiple response…Start with the major challenge
3985
78
1
Yes
1967
2
No
2018
Sysmiss
78
BC02 What were the challenges that you faced when setting up this business?
1967
0
A
87
AB
10
ABC
14
ABCD
1
ABCDE
1
ABCE
1
ABCEF
1
ABCF
3
ABCFG
1
ABCFK
1
ABCFV
1
ABCJ
1
ABCV
5
ABDFIV
1
ABE
1
ABEF
1
ABEKLTU
1
ABJ
2
ABK
1
ABKLT
1
ABKTV
1
ABN
1
ABV
2
AC
145
ACD
6
ACDF
1
ACDFJ
1
ACDFV
1
ACDJ
1
ACDJV
1
ACE
14
ACEF
2
ACEK
1
ACENV
1
ACEQ
1
ACET
1
ACF
14
ACFJ
2
ACFJV
6
ACFLT
1
ACFN
2
ACFV
3
ACG
1
ACH
2
ACI
1
ACIJ
1
ACJ
10
ACJL
1
ACJM
1
ACJN
1
ACJTNV
1
ACJV
8
ACKM
1
ACL
1
ACMN
1
ACN
8
ACNV
2
ACOV
1
ACQ
3
ACR
1
ACRLT
1
ACRT
1
ACT
3
ACTV
1
ACU
1
ACV
23
AD
3
ADE
2
ADF
1
ADFJV
1
ADJ
1
ADUO
1
AE
14
AEF
4
AEFJLT
1
AEFV
1
AEJV
1
AENV
1
AER
1
AET
1
AF
12
AFGV
1
AFJV
1
AFR
1
AFV
1
AI
1
AIV
1
AJ
20
AJN
1
AJNV
1
AJV
2
AK
1
AKLT
1
AMNV
1
AN
4
ANV
2
AQ
3
AR
1
ASJ
1
AU
1
AUNV
1
AV
25
B
8
BC
7
BCD
1
BCDE
2
BCDJ
2
BCE
1
BCEJ
1
BCEKLT
1
BCEKT
1
BCEQ
1
BCF
2
BCJ
1
BCJL
1
BCN
1
BCQ
1
BCT
1
BCV
2
BDJ
1
BDT
1
BE
4
BEF
1
BEK
1
BEL
1
BF
2
BFO
1
BFV
1
BIJ
1
BIU
1
BJN
1
BLMV
1
BN
2
BO
1
BV
3
C
601
CD
43
CDE
4
CDEFJ
1
CDEJ
1
CDF
4
CDJ
2
CDV
2
CE
82
CEF
6
CEFRJN
1
CEGJO
1
CEH
1
CEIJ
1
CEJ
3
CEJV
1
CEK
1
CEKOV
1
CEN
3
CEUV
1
CEV
4
CF
29
CFG
1
CFH
1
CFIJ
1
CFJ
3
CFJN
1
CFJV
4
CFL
1
CFNV
1
CFO
1
CFQ
1
CFV
4
CG
4
CGJ
1
CH
1
CHJ
1
CI
3
CJ
53
CJLT
1
CJM
1
CJN
2
CJO
1
CJV
3
CK
2
CKLM
1
CKLOV
1
CKLQ
1
CKO
1
CL
3
CLT
1
CM
1
CMN
1
CMO
1
CN
22
CNO
1
CNV
3
CO
5
COV
1
CQ
14
CR
1
CS
1
CT
6
CTV
1
CU
1
CUMO
1
CUV
2
CV
38
D
12
DE
2
DEF
1
DEHJLT
1
DEN
1
DF
2
DFS
1
DG
1
DJ
1
DQ
1
DV
3
DVQ
1
E
30
EF
4
EFHINV
1
EFJ
1
EFK
1
EFM
1
EFV
2
EH
3
EJ
2
EJN
1
EKL
1
EN
1
EQ
3
ER
1
ETU
1
EU
1
EV
6
F
18
FGJV
1
FI
1
FJ
6
FJN
1
FJV
1
FK
2
FKLTU
1
FKLTV
1
FKNOV
1
FN
2
FO
1
FQ
3
FSI
1
FU
2
FV
4
H
1
HIJN
1
I
2
IJ
2
IJN
1
IQ
1
IV
2
J
25
JKT
1
JL
1
JMN
1
JN
3
JNV
1
JQ
1
JTV
1
JU
1
JV
4
KLT
1
KLTUO
1
KLTV
1
KT
1
KTV
2
L
1
LO
1
LT
1
LV
1
N
13
NO
1
NQ
1
NV
2
O
3
P
45
Q
48
R
2
S
1
SI
1
SJ
2
T
2
U
2
UO
1
UV
1
V
61
VQ
5
BC02 Other specify challenges that you faced when setting up this business.
93
0
ACCESSING LOANS AND EDONOMIC
1
Access to farming inputs
1
Army worms
1
BUILDING STRUCTURES
1
CUMBERSOME REQUIREMENTS TO REGISTER A BUSINESS
1
Delayed payments from debtors
1
FINDING PERSON TO SUPPLY
1
FLOAT SIZE
1
Few clients to purchase products
1
First batch of chickens died due to lack of skills
1
HIDING FROM AUTHORITIES
1
LACK OF CUSTOMERS
1
LACK OF SUPPLIERS
1
LACK OF WATER SOURCES
1
LOW PRICES FOR THE PRODUCTS
1
Lack of finances
1
Land occupance
1
Low customer base
1
Marital problems from spouse
1
Not enough money paid by the FRA
1
Ordered poor quality of fish
1
STORAGE FACILITIES
1
TRANSPORTATION
1
Unstable dollar/kwacha exchange rate
1
at times it takes a month to be highered
1
be ause he was quite new in the district
1
challange in clearing land
1
chicken diseases
1
chickens dieing
1
1
competition was high
1
controlled prices at the kasumalesa border
1
convicing customers
1
convicing people to bring their children here
1
cost of materials
1
credit with neighbourhood
1
customers were delaying to pay
1
delay in stock
1
delayed deliveries
1
delayment in receiving capital from relatives
1
did not have fertilizer in good time
1
difficulties in accessing capital
1
difficulties in finding capital
1
encountered many losses
1
1
1
few customers
2
finding a place to place the business
1
finding space in station
1
had few customers and tomatoes would rot
1
had no house
1
health related challenges
1
high competition,
1
high order price of items
1
high price of clothes
1
inadequat
1
lack of adequate startup capital
1
lack of capital
1
lack of customers
1
lack of customers that could by with cash
1
lack of equipment
1
lack of funds
1
lack of money
1
lack of storage facilities such as a fridge
1
learners
1
lo
1
losses when fish went bad
1
low customer turn up
1
low profits sometimes
1
made loses some clothes were damaged
1
no customers
1
no own structure for running business
1
pests
1
pests and stock borers
1
poor rainfall
1
shotages
1
start up capital
2
things sold online are usually doubted by people
1
to access contracts
1
too many competitors
1
took time for customers to know the selling point
1
transportation
3
was difficult to gain peoples trust
1
was injuring my self many times
1
1
when growing the seeds animals ate the seeds had to replant the seeds
1
where to get the livestock
1
wild animals destroying the crops
2
BC03 What are the major challenges currently facing this business? Multiple mention
1967
0
A
27
AB
5
ABC
1
ABCG
1
ABE
2
ABG
2
ABGL
2
ABR
2
AC
5
ACD
1
ACFGHIK
1
ACFH
1
ACG
4
ACGL
1
ACHI
1
ACKL
1
ACL
1
ACOS
1
ACQ
1
AD
1
ADFG
1
ADG
1
AEGL
1
AF
2
AFGL
1
AFH
1
AG
5
AGJ
1
AGK
1
AGL
4
AGT
1
AH
1
AHIKL
1
AHJK
1
AHS
1
AI
1
AK
2
AKL
1
AL
4
ALN
1
AN
2
AQ
1
AR
1
B
64
BC
13
BCD
1
BCDG
1
BCEG
1
BCFGHIKT
1
BCG
9
BCGL
1
BCGMNO
1
BCGP
1
BCGQ
1
BCGS
1
BCKN
1
BCNR
1
BCR
2
BCT
1
BD
3
BDG
1
BE
3
BEG
3
BEI
1
BEKL
1
BEL
1
BEN
1
BF
3
BFLQ
1
BFR
1
BG
30
BGI
2
BGJ
2
BGL
2
BGN
2
BGNR
1
BGO
1
BGR
1
BGS
1
BI
4
BIPQ
1
BIT
1
BJQ
1
BJR
1
BK
5
BKL
1
BKLM
1
BKO
1
BN
2
BNP
1
BNQ
1
BNR
1
BP
1
BQ
1
BQS
1
BR
7
BS
2
C
115
CD
11
CDE
2
CDEG
1
CDG
14
CDGI
1
CDGN
3
CDGNR
1
CDGQ
2
CDGQR
1
CDGR
2
CDKN
1
CDL
1
CDN
1
CE
5
CEG
6
CEGILNQ
1
CEGKMNOQ
1
CEGOQ
1
CER
1
CF
1
CG
56
CGIK
1
CGJKU
1
CGK
1
CGKRT
1
CGKT
1
CGL
3
CGN
6
CGNO
1
CGNQRU
1
CGQ
5
CGR
6
CGS
1
CI
1
CIN
1
CIO
1
CJL
1
CK
3
CKL
1
CL
4
CLT
1
CN
2
CNQ
2
CNQR
2
CNR
1
CNRS
1
CNT
1
CO
3
CPR
1
CQ
4
CR
6
CS
3
CT
1
D
23
DE
2
DEG
3
DEQ
1
DG
25
DGIK
1
DGN
3
DGQ
1
DGR
3
DGS
1
DH
1
DK
1
DKOQ
1
DN
1
DS
1
E
22
EF
1
EFGI
1
EFR
1
EG
30
EGI
2
EGJT
1
EGK
1
EGKLUS
1
EGKQ
1
EGL
4
EGN
1
EGNO
2
EGNQ
1
EGNR
1
EGOQ
1
EGQ
1
EI
1
EJK
1
EJNR
1
EK
2
EKN
1
EL
1
ELT
1
EOQ
2
EPQ
1
EQ
3
EQT
1
ER
7
ES
2
F
4
FG
3
FGI
1
FGN
1
FHR
1
FJ
1
FLNS
1
FLO
1
FN
1
FP
1
G
530
GHL
1
GI
8
GIL
1
GIQ
1
GIS
1
GJ
12
GJK
4
GJQ
1
GJS
1
GJU
1
GK
4
GKLN
1
GKN
2
GKO
1
GKQ
1
GKR
2
GL
15
GLR
1
GM
1
GMN
2
GMS
1
GN
27
GNO
1
GNOR
1
GNPQ
1
GNQ
2
GNQS
1
GNR
1
GNS
1
GO
5
GOP
1
GOT
1
GOU
1
GQ
22
GQS
1
GR
12
GS
25
GT
4
GU
5
H
1
HJ
1
HK
1
HQ
1
I
5
IJ
2
IL
1
IOP
1
IQ
2
IR
2
J
18
JK
1
JKLQ
1
JN
1
JO
1
JQ
1
JT
1
K
13
KN
2
KQ
5
KR
2
L
21
LN
1
LR
1
LS
2
M
1
N
35
NO
1
NQ
5
NQR
1
NR
5
NS
3
NT
1
O
7
OR
1
P
1
PQ
1
Q
38
QR
2
QS
4
QT
1
R
38
RS
4
RT
1
RTS
1
S
227
T
5
TS
3
U
7
V
16
BC03 What are the majaor challenges_other specify
297
0
Business not doing pretty well
1
Customers paying late
1
DISEASES
1
Delayed payments from creditors
1
Delayed payments when sold on credit
1
FEW CUSTOMERS
2
Few fish from the source, therefore it expensive
1
Getting various types of relish
1
HIDING FROM AUTHORITIES
1
HIGH COST OF STOCK
1
He is not in cooperative and so he has difficultues to buy fertilizer
1
High cost of Fertiliser
2
High order prices
1
High transport costs
1
I don't have any challenges
1
1
LACK OF TRADING PLACE
1
LACK OF WATER FOR WATERING CROPS
1
LIMITED NUMBER OF SUPPLIERS
1
LITTLE CAPITAL
2
LOW CAPITAL
1
LOW CUSTOMER TURN OUT
1
LOW PRICE
1
LOW SCHOOL ENROMENT AND LOW FEES THAT LIMIT ON THE GROWTH OF THE SCHOOL
1
Lack of i puts e.g ferts, pesticides, generator
1
Long distance to ready market
1
Long distances to market and poor road network
1
Low turn out of customers
1
1
Market penetration and lafk of advertising
1
NO CHALLENGE CURRENTLY
1
NO CHALLENGES
1
NO CHANLENGES
1
NO CURRENT CHALLENGES
1
NO DEMAND FOR PRODUCTS
1
NON
1
NONE
12
NOT FACING ANY CURRENT CHALLENGES
1
No challenges
1
None
3
1
Nothing
1
POOR IRRIGATION SYSTEM
1
PRICE OF FERTILIZER
1
Pest infestation in the fields of maize
1
Poor road network and distance to the nearest market
1
SALE ON CREDIT PEOPLE DELAY IN PAYING
1
SCARCITY OF TREES TO MAKE CHARCOAL
1
SMEs not favoured by some policies In the market
1
STORAGE
1
Short fall on Capital
1
Spending too much on repairing Machine
1
TOO MANY SUPPLIERS
1
TOO MUCH COMPETITION
3
TRADING SPACE IS SMALL
1
TRANSPORT
1
TRANSPORTATION
1
The trnsport(bicycle) is damaged hence difficult in movements
1
To much competition
1
Tomatoes sometimes rotten resulting in losses
1
1
Too much competition
1
Too much deaths of poultry
1
UNCOMPETITIVE PRICES
1
Uncprices
1
aquiring equipment
1
bad road
1
bad road network
1
1
bas road network to wholesale shops which are 40 kms away
1
business is slow
2
business is slow sometimes
1
canoe is too small to use in my fishing business
1
challenge in finding markets
1
change of whether
1
charcoal and cooking oil are expensive
1
chickens dieing.
1
closing hours
1
1
competition
5
cost of feed and chemicals
1
cost of transporting the goods from the source
1
customers not buying on a daily basis
1
cycling long distance to the wholesale suppliers of flour.
1
1
delay payment from customers
1
delayed payment by debtors
1
delayed payments and low prices
1
delayment in people paying back
1
difficult in moving produce from home to customers
1
difficult to grow the seeds because of free range animals in the village
1
1
1
disease
1
diseases
1
does not have good stock
1
doing the busniess from home
1
1
1
1
expensive transport
1
few clients
1
few clients use this route,location has affected how she prices her clothes due to area
1
few customers
1
few customers and high competition
1
few equipments
1
finances and contracts
1
financial support
1
high competition
3
high competition in prices
1
high cost of charcoal
1
high cost of transportation
1
high cost of transportation of the bags of flour
1
high expenses in transportation of good via potoon to my village
1
high price of roofing sheets
1
high prices of commodities
1
1
1
high transport cost
1
high transport cost of hiring ox cart when going and coming from ordering fish
1
high transport costs
2
inadequate capital
1
inadequate customers
1
inconsistencies in supply of milk because its seasonal
1
increase in cooking oil prices
1
its far where to buy feed and draw water
1
lack of a boat and fish net
1
lack of a shop and when you are sick the business goes down
1
lack of adiqaute capital
1
lack of capital
1
lack of capital to rent the frezit making machine
1
lack of customers
1
lack of customers buying with cash
1
lack of electricity
1
lack of farm labourers to hire
1
lack of funds
1
lack of machinary
1
lack of machinery
1
lack of money
1
lack of space
2
lack of sponsors
1
lacking right equipment for fishing
1
less capital
1
long distance and bad road to mansa rown where breweries are found
1
long distance to the FRA depot
1
long distance to the FRA satelite depot
1
long distance to the nearest market
1
long distance to wholesale shops , and high prices of items(groceries)
1
long distance to wholesale shops and bad road
1
long distances whence the goods are ordered
1
loss of Chickens
1
loss of business and expensive inputs
1
low demand of the product
1
low price and delayed payments
1
low turnovers sometimes
1
medicine,spray for tomatoes
1
money to collect the maize from the farm is difficult to find
1
money to open shop and capital
1
money to rent a shop and capital
1
monitoring the farm is in luapula and copper belt
1
no capital
1
no challenge
8
no challenges
12
no challenges are being faced currently
1
no challenges at the moment
4
no challenges now
1
no enough money to buy flour and cooking oil
1
1
no problems
1
no support from the local Authorities
1
non
2
none
8
none no challenge
1
none of the above
1
not having enough customers
1
nothing
2
nothing at the moment
1
ordering chicks
1
paying back the loan
1
people dont pay on time
1
people not buying the fish on a daily basis
1
poor road
1
poor road network
2
poor road networks
1
poor transport system.oxcart
1
poor transportation of product to the market
1
price of feed
1
prices of items high
1
reduced production
1
reduced the nu,ber of clientele
1
registration fron national council for construction
1
renting a banana boat to transport charcoal is expensive
1
she has no challenges
1
smal capital
1
some goods are not sold very slow since i bought them
1
some of the customers not pay back on time
1
spare parts
1
spending to much money on school fees
1
1
stiff competition
5
stiff competition from foreign security firms
1
still lack of trading space
1
still waiting for the farm produce thats when he would determine
1
taking care of a sick child hence failing to have enough time to harvest
1
taking time to have next clients at times
1
the economy is bad people are not buying
1
the road is bad to wholesalers
1
theft
1
1
there is more competition
1
things too expensive
1
too many competitors
1
1
too many people are now selling chickens
1
too many people selling the same commodity
1
too many people selling the same items
1
too many suppliers of the same goods
1
too much fraudsters
1
too much powercuts/ load shedding
1
transport
1
transport cost
1
transport fees high
1
transport is a problem and fertilizer inadequate
1
transport is a problem and no electricity
1
transport is difficult
1
transportation
1
transportation cost very high
1
transportation costs are too high
1
transportation to carry thevgoods for delivery
1
vegetables not being bought on a daily basis
1
very little capital
1
very small capital
1
walking long distances
1
water bills
1
where to get vegetables
1
BC04 What were the three main problems you faced when you started business?
0
0
BC04 What were the three main problems you faced when you started business?
0
0
CC01.Since the start of the COVID 19 pandemic, has this business been affected?
3985
78
1
Yes
1638
2
No
2258
3
Dont Know
89
Sysmiss
78
CC02. How has the COVID 19 pandemic affected this business?
1669
0
A
344
B
157
C
10
D
895
E
40
F
44
G
86
H
1
I
7
J
10
K
8
L
52
M
15
CC02. How has the COVID 19 pandemic affected this business?
15
0
1
NO PAY FROM CREDITORS
1
New Business
1
RESTRICTIONS OF SELLING PRODUCTS
1
Rentals we were needed despite no sales
1
almost closed down
1
death in family after long illness
1
1
difficult in collecting rentals
1
difficult in getting the goods (groceries )
1
no supply of chicks
1
occasions were banned from happening
1
restrictions of movements. could nolonger go to order outsid
1
some
1
the person who she was staying with who was helpful lost hio
1
CC03. Did your business experience effects of Droughts/Dry Spell
3985
78
1
Yes
652
2
No
3333
Sysmiss
78
CC03. Did your business experience effects of Heat Wave
3985
78
1
Yes
225
2
No
3760
Sysmiss
78
CC03. Did your business experience effects of Storm Floods
3985
78
1
Yes
418
2
No
3567
Sysmiss
78
CC03. Did your business experience effects of Extended Low Temperature
3985
78
1
Yes
122
2
No
3863
Sysmiss
78
CC03. Did your business experience effects of Other Climate
3985
78
1
Yes
11
2
No
3974
Sysmiss
78
CC03. Specify
11
0
COLD WEATHER
1
EARTHWORMS
1
None
1
TOMATOES DRYING ON THERE OWN
1
army warms
1
army worms
1
1
1
1
cold season
1
stockball and army worms
1
CC04.Did this business experience the following hardships as a result of
926
0
A
346
AB
13
ABCKEGH
1
ABEFGH
1
ABG
5
ABH
2
ABK
9
ABKD
3
ABKDF
1
ABKDG
1
ABKEG
1
ABKEH
1
ABKF
1
ABKG
2
AC
1
ACFG
1
ACH
2
ACKD
1
ACKFG
1
AD
16
ADE
1
ADFH
1
ADG
2
ADH
6
AE
7
AEF
1
AEFH
1
AEG
2
AEH
2
AF
5
AFH
3
AG
3
AGH
1
AH
45
AI
1
AK
41
AKDF
1
AKDG
2
AKDGH
1
AKDH
2
AKE
2
AKEF
1
AKEG
2
AKEGH
2
AKF
1
AKFG
1
AKFH
1
AKG
10
AKGH
1
AKH
18
AKI
1
B
31
BCK
1
BD
2
BDG
1
BE
1
BF
1
BH
4
BI
1
BK
3
BKD
1
BKH
1
C
7
CF
1
CK
1
D
14
DE
1
DEH
2
DF
3
DFH
1
DG
2
DGHI
1
DH
2
E
11
EH
1
EHI
1
F
16
FG
1
FGH
1
FH
8
FJ
1
G
6
H
29
I
4
J
1
K
118
KD
1
KDF
1
KDFGH
1
KDFGHI
1
KDFH
2
KDG
1
KDGH
1
KDI
2
KE
8
KEF
2
KF
8
KFH
3
KFI
1
KG
3
KGH
2
KH
28
KHI
3
KI
1
926
0
A
1
B
77
BC
7
BD
13
BDG
1
BDI
2
BDO
1
BF
1
BH
1
BI
4
BIM
1
BM
1
C
38
CD
2
CI
2
CM
2
D
18
DI
3
DM
1
F
1
G
3
H
2
I
29
J
3
K
2
L
686
M
24
30
0
BOOK SHELTER FOR SPRAYING CARS
1
1
Borrowed out most the money to gain profit
1
Closed bussines
1
D
1
DEEPENED THE WELL
1
DIVERSIFIED TO RETAILING OF RICE
1
Depends on the other business
1
Doing peace work
1
Doing some piece works so that they can buy food
1
Put a lot of water in the Vegetable fields
1
START PLANTING OVER AGAIN
1
Spraying chemicals
1
bird motality
1
bought medicine to spray the crops
1
1
follow customers to their places
1
followed the guidlines
1
got money from other businesses his car sales business
1
got some money from his other businesses
1
1
made enough wells to keep the water
1
planted vegetables which can stand heavy rainfalls
1
reduced the cost of chickens
1
replanted the crops
1
replanted the maize
1
sold goat
1
started regrowing the crops were destroyed
1
used the generator during loadshedding for irrigation
1
we cannot fight against God
1
CC06. Which of the following financial products would you be most willing to take up to protect your business?
934
3129
1
Savings with financial / payment service provider
65
2
Insurance
103
3
Investment
77
4
Other, specify
17
5
None
606
6
Credit product
66
Sysmiss
3129
CC07. What is the main reason why you are not willing to spend money to protect your business against climate-related events
608
3455
1
Lack of money
374
2
Do not need it
122
3
Rely on family and friends to assist
62
4
Rely on government assistance
22
6
Other, specify
28
Sysmiss
3455
CC07. What is the main reason why you are not willing to spend money to protect your business against climate-related events
27
0
Do not know anything
4
I CAN WHEN I MY OWN FARM
1
JUST WAIT FOR SEASON TO END
1
NO NOTHING ABOUT THAT
1
business is still small
1
business small
1
cant fight with nature
1
costs too high
1
could'nt do anything..
1
do not understand the importance of the services
1
donot know where to start from
1
has no confidence in the financial services when itbcomes to
1
1
it is a small business
1
it is just a supplement iam still working
1
it is q natural cause we cannot fight
1
it's a natural thing
1
lack of knowledge
1
luckyof knowledge
1
no confidence in financial institutions
1
no knowledge
1
no proper access to insurance company
1
there is not enough to save after expenditure
1
we will plant cashew nut
1
3029
1034
0
9984000
110213.193
408032.482
2899
1164
0
18000000
49562.93
387988.509
3029
1034
1
Micro
2973
2
Small
53
3
Medium
3
Sysmiss
1034
3985
78
1
Micro
3939
2
Small
43
3
Medium
3
Sysmiss
78
3985
78
1
Micro
3925
2
Small
57
3
Medium
3
Sysmiss
78
3985
78
111
9602
3592.165
2314.947
INDUSTRY
3985
78
1
Agriculture, forestry and fishing
931
2
Mining and quarrying
8
3
Manufacturing
347
4
Electricity, gas, steam, and air conditioning supply
0
5
Water supply; sewerage, waste management and remediation act
0
6
Construction
33
7
Wholesale and retail trade; repair of motor vehicles and mot
2355
8
Transport and storage
41
9
Accommodation and food service activities
34
10
Information and communication
8
11
Financial and insurance activities
50
12
Real estate activities
41
13
Professional, scientific and technical activities
12
14
Administrative and support service activities
17
15
Public administration and defense; compulsory social securit
0
16
Education
10
17
Human health and social work activities
3
18
Arts, entertainment and recreation
6
19
Other service activities
89
20
Activities of households as employers
0
21
Activities of extraterritorial organizations and bodies
0
Sysmiss
78
3985
78
1
Formal Sector
240
2
Informal Sector
3745
Sysmiss
78
Q01 Please give me the names of the persons who usually live in your household starting with the head of the household
3985
0
Q02 What is the relationship of (NAME) to the head of the household?
3985
78
1
HEAD
2713
2
SPOUSE
987
3
PARTNER
2
4
OWN SON/DAUGHTER
187
5
STEP SON/DAUGHTER
2
6
FOSTER OR ADOPTED SON/DAUGHTER
0
7
SON / DAUGHTER IN LAW
9
8
BROTHER/SISTER
32
9
BROTHER/SISTER IN LAW
9
10
COUSIN
3
11
NIECE/NEPHEW
9
12
GRAND SON/DAUGHTER
18
13
PARENT
6
14
PARENT IN LAW
1
15
AUNT/UNCLE
2
16
GRAND PARENT
1
17
OTHER RELATIVE
1
18
NOT RELATED
3
Sysmiss
78
B01Sex of Respondent
3985
78
1
Male
1866
2
Female
2119
Sysmiss
78
B02.What is your date of birth?
3979
84
1
99
99
Don't know
8
B02 What is your date of birth?
3979
84
1
January
407
2
February
384
3
March
430
4
April
413
5
May
397
6
June
414
7
July
246
8
August
279
9
September
235
10
October
299
11
November
215
12
December
244
99
Dont Know month
16
Sysmiss
84
BO2 What is your date of birth?
3979
84
1933
2007
1980.835
12.68
B03.How old were you at your last birthday?
3985
78
15
89
40.768
12.679
B04.What is your marital status?
3985
78
1
Never married
460
2
Married/cohabiting
2692
3
Divorced
312
4
Separated
129
5
Widowed
392
Sysmiss
78
B05 What is your Nationality?
3985
78
1
Zambian
3932
2
Zambia Dual Citizen
5
3
Non Zambia
48
Sysmiss
78
B05B What is your country of origin?
53
4010
0
Lao's Peoples Democratic Republic
0
1
Latvin
0
2
Lebannon
0
3
Lesotho
0
4
Liberia
0
5
Libya
16
6
Liechtenstein
0
7
Lithuania
0
8
Luxembourg
0
9
Madagascar
0
10
Malawi
2
11
Malaysia
0
12
Maldives
0
13
Mali
0
14
Malta
0
15
Mauritiania
0
16
Mauritius
0
17
Mexico
0
18
Moldovo
0
19
Montenegro
0
20
Morocco
0
21
Mozambique
0
22
Myanmar
0
23
Namibia
0
24
Nepal
0
25
Netherlands
0
26
Netherlands Antilles
0
27
New Zealand
0
28
Nicaragua
0
29
Niger
2
30
Nigeria
0
31
Norway
0
32
Oman
0
33
Pakistan
0
34
Palau
0
35
Panama
0
36
Papua New Guinea
0
37
Parguay
0
38
Peru
0
39
Phillipines
1
40
Poland
0
41
Portugal
0
42
Qatar
6
43
Romania
16
44
Russian Federation
0
45
Rwanda
1
46
Saint Kitts and Nevis
0
47
Saint Lucia and the Grenadines
0
48
Samoa
0
49
Sao Tome and Principe
0
50
Saudi Arabia
0
51
Senegal
0
52
Serbia
0
53
Seychelles
0
54
Sierra Leon
0
55
Singapore
0
56
Slovakia
0
57
Slovenia
0
58
Solomon Islands
0
59
South Africa
0
60
South Sudan
0
61
Spain
0
62
Sri Lanka
0
63
Sudan
0
64
Swaziland
0
65
Sweden
0
66
Switzerland
0
67
Syrian Arab Republic
0
68
Tajikistan
0
69
Tanzania
3
70
Thailand
0
71
Togo
0
72
Tonga
0
73
0
74
Tunisia
0
75
Turkey
0
76
Turkmenistan
0
77
Uganda
0
78
Ukraine
0
79
United Arab Emirates
0
80
United Kingdom
1
81
United States
0
82
United States Virgin Islands
0
83
Uruguay
0
84
Uzbekistan
0
85
Virgin Islands British
0
86
Venezuela
0
87
Vietnam
0
88
Yemen
0
89
Italy
0
90
Zimbabwe
5
91
Jersey
0
92
Jordan
0
93
Japan
0
94
Kazakhanistan
0
95
Kenya
0
96
Kiribati
0
97
Korea (Democratic People's Republic)
0
98
Kuwait
0
99
Kyrgyztar
0
Sysmiss
4010
B06 Have you ever attended school?
3985
78
1
Yes
3745
2
No
240
Sysmiss
78
B07a. What is the highest level of education you have attended?
3745
318
1
Nursery
5
2
Primary
1471
3
Secondary
1819
4
Tertiary
450
Sysmiss
318
B07b. If Primary or Secondary, What is the highest grade you have completed
3290
773
1
24
2
62
3
93
4
148
5
179
6
229
7
736
8
Grade 8
228
9
Grade 9
644
10
Grade 10
170
11
Grade 11
131
12
Grade 12
646
Sysmiss
773
B07C If tertiary, What is the highest qualification obtained
450
3613
1
None
9
2
Certificate
92
3
Diploma
185
4
Degree
142
5
22
6
Doctorate
0
Sysmiss
3613
b7d. What is the field of study for the highest qualification?
441
3622
11
999
0
ting (news)
0
11
Window cleaning
3
12
Wig making
0
13
Waiting and bar service
10
14
Umpires and other sports officials
0
15
Travel services
0
21
Water supply (service)
0
22
Work environment
2
31
War theory
2
32
Security guarding 0532 Seismology
2
41
Truck driving
4
110
Teacher training
12
111
Paedagogical sciences (education)
11
112
Teacher training, pre-school
17
113
Training of trainers (without subject specialisation)
46
114
Training of trainers (with subject specialisation)
26
211
Type-setting
0
212
Window dressing
0
213
Sketching (art)
1
214
Woodcarving
1
215
Theatre
0
221
Theology
3
222
Preservation of artistic heritage
0
223
Philosophy
0
231
Translation programmes
0
232
Speech and rhetorical studies (first language)
0
310
Social sciences
1
311
Political economics
9
312
Public policy studies
4
313
Psychotherapy
0
314
Women’s studies
2
321
Publishing (dissemination of messages)
5
322
Museum studies
0
411
Tax management
46
412
Stock-broking
13
413
Training management
43
414
Sales and marketing
5
415
Typing
12
416
Wholesaling
3
417
Working life
0
421
Para-legal studies
5
511
Zoology
1
512
Virology
0
521
Environmental science
1
522
Wildlife ranger studies
0
531
Polymer chemistry
0
532
Vulcanology
1
533
Space science
0
541
Pure mathematics
0
542
Survey sampling
1
611
Software for word processing, use of
2
612
Web design (Internet)
11
613
Software testing
12
619
Artificial intelligence
0
710
Technology
0
711
Process technology
1
712
Water pollution control
0
713
Wind turbines
6
714
Television and radio repairing
7
715
Welding
12
716
Vehicle varnishers/sprayers
15
719
Nanotechnology
0
721
Wine storing/maturing
2
722
Woodworking and carpentry
0
723
Wool science
0
724
Raw material extraction
6
731
Urban studies
1
732
Water technology and engineering
7
811
Wine growing
27
812
Turf management
0
821
Tree felling
0
831
Shellfish breeding
0
841
Veterinary science
1
911
Orthodontics
0
912
Training of physicians
6
913
Specialised nursing
21
914
X-ray technology (medical)
0
915
Vocational rehabilitation
3
916
Pharmacy
0
917
Traditional medicine
1
921
Personal care of adults
0
922
Youth worker programmes
0
923
Vocational guidance
4
999
Other
4
b08. Have you ever attended technical or vocational training
3985
78
1
Yes
228
2
No
3757
Sysmiss
78
b09 What is the highest grade of technical or vocational training (NAME) has completed
228
3835
1
199
1
Diploma in Aeronautical Electronics Engineering
2
2
Diploma in Agri-business Management
3
3
Diploma in Agricultural Journalism
0
4
Diploma in Air Traffic Management
0
5
Diploma in Aircraft Maintenance Engineering
0
6
Diploma in Auditing - Local Government
0
7
Diploma in Automotive Technology
1
8
Diploma in Biomedical Engineering Technology
0
9
Diploma in Building Construction Works Monitoring & Manageme
0
10
Diploma in Business Administration
6
11
Diploma in Community Development Studies
1
12
Diploma in Computer Studies
4
13
0
14
Diploma in Construction Management
2
15
Diploma in Creative Digital Media
0
16
Diploma in Dairy production
0
17
Diploma in Electrical Technology
1
18
Diploma in Fire Rescue Services
0
19
Diploma in Forestry
1
20
Diploma in Hospitality Management
1
21
Diploma in Human Resource Management
1
22
Diploma in Instrumentation
0
23
Diploma in Journalism
0
24
Diploma in Local Government Administration
0
25
Diploma in Local Government Finance
1
26
Diploma in Mechanical Technology
5
27
Diploma in Paralegal Work
0
28
Diploma in Pharmacy
0
29
Diploma in Physiotherapy
0
30
Diploma in Production management
0
31
Diploma in Radiography
0
32
Diploma in Radiotherapy Technology
0
33
Diploma in Records Management
0
34
Diploma in Rural and Urban Management
0
35
Diploma in Science Laboratory Technology
1
36
Diploma in Secretarial and Office Management
0
37
Diploma in Social Work
1
38
Diploma in Travel and Tourism
0
39
Diploma in Ultra Sound Technology
0
40
Diploma in Urban and Regional Planning
0
41
2
42
Advanced Certificate in Automotive Engineering
2
43
Advanced Certificate in Computer Studies
0
44
Advanced Certificate in Computer Systems Engineering
0
45
Advanced Certificate in Electrical Engineering
1
46
Advanced Certificate in Food Production
5
47
Advanced Certificate in Heavy Equipment Repair
1
48
Advanced Certificate in House Keeping Studies
1
49
Advanced Certificate in Instrumentation
0
50
Advanced Certificate in Land Surveying
0
51
Advanced Certificate in Mechanical Draughting
0
52
Advanced Certificate in Mechanical Draughting
0
53
Advanced Certificate in Mechanical engineering
8
54
Advanced Certificate in Mechanical Engineering for Productio
2
55
Advanced Certificate in Metal Fabrication
4
56
Advanced Certificate in Mining
1
57
Advanced Certificate in Printing
0
58
Advanced Certificate in Refrigeration and Air Conditioning
0
59
Advanced Certificate in Science Laboratory Technology
0
60
Advanced Certificate in Secretarial and Office Management
3
61
Advanced certificate in Secretarial and office Management
0
62
Advanced Certificate in Building Construction
1
63
Bridging Course from Automotive Technician to HER Technician
0
64
Certificate in Computer Systems Engineering
1
65
Certificate in ICT for Visually impaired
0
66
Certificate in Photo Journalism
0
67
Certificate in Television Journalism
0
68
Certificate in Local Government Administration
0
69
Certificate in Community Based Natural Resource Management.
0
70
Certificate in Front office Operations
2
71
Certificate in Internal Auditing
0
72
Certificate in Livestock Production
1
73
Certificate in Agri-business
2
74
Certificate in Child and Youth Care
1
75
Certificate in Community Development Studies
1
76
Certificate in Computer Studies
6
77
Certificate in Co-operative and Agri-business Management
0
78
Certificate in Dairy production
0
79
Certificate in Electrical Engineering
4
80
Certificate in Food and Beverage Service
5
81
Certificate in Food Production
7
82
Certificate in General Agriculture
4
83
Certificate in House Keeping and Laundry Studies
2
84
Certificate in Human Resource Management
0
85
Certificate in Livestock Production
0
86
Certificate in Local Government Finance
1
87
Certificate in Mechanical Transport Administration
0
88
Certificate in Occupational Safety, Health and Environment
2
89
Certificate in Print Media Journalism
0
90
Certificate in Secretarial and Office Management
1
91
Certificate in Specialized News Writing
0
92
Certificate in Storekeeping
1
93
Certificate in Transport Management
0
94
Certificate Social Work
5
95
Craft Cert. in Electronic Equipment Maintenance and Repair
0
96
Craft Cert. in Metal fabrication
3
97
Craft Certificate in Water Supply Operations
0
98
Craft Certificate in Carpentry and Joinery
11
99
Craft Certificate in Plumbing
3
100
Craft Certificate in Auto Electrical and Electronics
1
101
Craft Certificate in Automotive Mechanics
6
102
Craft Certificate in Design Cutting and Tailoring
23
103
Craft Certificate in Electronics and Telecommunications
0
104
Craft Certificate in Fitting
0
105
Craft Certificate in Gemstone Cutting and Polishing
0
106
Craft Certificate in Heavy Equipment Repair
2
107
Craft Certificate in Instrumentation
0
108
Craft Certificate in Jewelry Manufacturing
0
109
Craft Certificate in Machining ( Mechanical Craft)
7
110
Craft Certificate in Minineral Processing Technology
0
111
Craft Certificate in Painting, Decorating & Graphics
0
112
Craft Certificate in Refrigeration and Air Conditioning
0
113
Craft Certificate in Rigging
0
114
Craft Certificate in Welding
3
115
Level I Trade Test Certificate in Bricklaying
6
116
Level I Trade Test Certificate in Carpentry and Joinery
3
117
Level II Trade Test Certificate in Bricklaying
3
118
Level II Trade Test Certificate in Carpentry and Joinery
1
119
Level III Trade Test Certificate in Fabric Printing (Communi
0
120
6
121
2
122
0
123
0
124
Level I Trade Certificate in Computer Studies
3
125
0
126
Level I Trade Certificate in Earth Moving Operations
0
127
Level I Trade Certificate in Heavy Mobile Equipment Operatio
2
128
Level I Trade Test Certificate in Community Based Natural Re
0
129
6
130
Level I Trade Test Certificate in Electronic System Maintena
1
131
Level I Trade Test Certificate in Food Production
3
132
Level I Trade Test Certificate in Front Office Management
0
133
Level I Trade Test Certificate in Home Management
0
134
Level I Trade Test Certificate in Tour Guiding
0
135
Level II Trade Certificate Heavy Mobile Equipment Operation
0
136
4
137
Level II Trade Test Certificate in Electronic System Mainten
0
138
Level II Trade Test Certificate in Food Production
0
139
Level II Trade Test Certificate in Home Management
0
140
Level III Trade Certificate in Dewatering Operations
0
141
Level III Trade Certificate Cable Handling Works
0
142
Level III Trade Test Certificate Carpentry and joinery (Comm
0
143
1
144
Level III Trade Test Certificate in Carpentry & Joinery
0
145
Level III Trade Test Certificate in Design Cutting and Tailo
1
146
Level III Trade Test Certificate in General Agriculture (Com
2
147
Level III Trade Test Certificate in Water Supply Operations
0
148
Level III Trade Test Certificate in Beekeeping
0
149
Level III Trade Test Certificate in Bricklaying and plasteri
2
150
Level III Trade Test Certificate in Electronic System Mainte
0
151
Level III Trade Test Certificate in Food Production
0
152
Level III Trade Test Certificate in Home Management (Communi
1
153
Level III Trade Test Certificate in Knitting
2
154
Level III Trade Test Certificate in Metalwork (Community Dev
0
155
3
156
0
157
0
158
Level Il Trade Test Certificate in Plumbing
0
159
0
160
Skills Awards 1 Skills Award in Baking
0
161
Skills Award in Dancing 3 Skills Award in Building Works Sup
0
162
Skills Award in Civil Engineering Construction Processes
0
163
0
164
Skills Award in Community Based ReEArch and Development
0
165
Skills Award in Community HIV/AIDS, TB and Malaria Managemen
1
166
Skills Award in Construction Materials Testing 9 Skills Awar
0
167
Skills Award in Culvert Design and Construction
0
168
1
169
Skills Award in Land Surveying
0
170
Skills Award in NGO Management
0
171
Skills Award in Occupational Safety, Health and Environment
0
172
Skills Award in Peer Education
1
173
Skills Award in Public Sector Financial Management
0
174
Skills Award in Road Condition Survey
0
175
Skills Award in Road Construction and Maintenance
0
176
Skills Award in Social Work
0
199
Crafts and skills not elsewhere classified
6
Bank Overdraft
3985
78
1
Yes
951
2
No
3034
Sysmiss
78
Business loan
3985
78
1
Yes
2652
2
No
1333
Sysmiss
78
Invoice discounting or Factoring
3985
78
1
Yes
363
2
No
3622
Sysmiss
78
Micro-credit
3985
78
1
Yes
1411
2
No
2574
Sysmiss
78
Trade credit
3985
78
1
Yes
1222
2
No
2763
Sysmiss
78
Venture Capital
3985
78
1
Yes
404
2
No
3581
Sysmiss
78
Angel investment/ Business angels
3985
78
1
Yes
340
2
No
3645
Sysmiss
78
Public equity (stocks held by the public)
3985
78
1
Yes
483
2
No
3502
Sysmiss
78
Crowdfunding/ peer-to-peer lending
3985
78
1
Yes
975
2
No
3010
Sysmiss
78
Finance Leasing or hire purchase
3985
78
1
Yes
1026
2
No
2959
Sysmiss
78
Property insurance
3985
78
1
Yes
1650
2
No
2335
Sysmiss
78
Third-party liability insurance
3985
78
1
Yes
1025
2
No
2960
Sysmiss
78
Life assurance for the owner
0
4063
1
Yes
0
2
No
0
Sysmiss
4063
Sustainable (social or green) bonds or loans
3985
78
1
Yes
298
2
No
3687
Sysmiss
78
Development Finance
3985
78
1
Yes
375
2
No
3610
Sysmiss
78
Warehouse receipting
3985
78
1
Yes
450
2
No
3535
Sysmiss
78
Credit Guarantee Scheme
3985
78
1
Yes
592
2
No
3393
Sysmiss
78
Movable Collateral Facilities
3985
78
1
Yes
1246
2
No
2739
Sysmiss
78
Credit Reference Bureau
3985
78
1
Yes
583
2
No
3402
Sysmiss
78
National Financial Switch
3985
78
1
Yes
502
2
No
3483
Sysmiss
78
Do you understand the complaints handling procedure at your financial service provider?
0
4063
1
Yes
0
2
No
0
3
Not Aware
0
Sysmiss
4063
In the last five years, have you attended any capacity building programmes or training related to your businesses
3984
79
1
Yes
463
2
No
3521
Sysmiss
79
The last time you received capacity building or training, which institution or individual provided the training
463
3600
1
Previous Employer/Current Employer
6
2
Training institution e.g. University, College
14
3
Mentor / advisor
16
4
Family/Friend
68
5
Government agencies
105
6
NGOs/Cooperatives/Membership Organizations
192
7
Consultant
11
8
Another business owner in the same line of business
24
9
Other, specify
27
Sysmiss
3600
The last time you received capacity building or training, which institution or individual provided the training
27
0
AGOLA or AMZ
1
1
DMI sent Eugine univesity
2
Evangelical church of Zambia
1
Hybrid
1
1
Online learning and asking questions online
1
Radical entrepreneur(Dumisani Lingamangali Ncube)
1
TABLE CHARM
1
TPL outgrower company
1
ZPPA
1
at church
1
calytus zambia
1
chickens rearing association of zambia
1
church
2
community development
1
green enviro
1
hybrid
1
livestock services
1
lusupuko club
1
national farmer's union
1
pedesa
1
village banking
2
zudu
1
Did the last capacity building or training you received have a positive impact on your business?
463
3600
1
Yes
428
2
No
35
Sysmiss
3600
In the last five years, did any of your business' activities. Close Down
3985
78
1
Yes
662
2
No
3323
Sysmiss
78
If yes, what are some of the reasons your business(es) closed
662
0
A
75
AB
27
ABC
17
ABCD
3
ABCF
1
ABCHI
1
ABCI
2
ABCJ
1
ABD
2
ABE
1
ABF
4
ABH
3
ABI
7
ABJ
3
AC
19
ACH
1
ACI
2
ACJ
1
AD
5
ADIJ
1
ADJ
2
AE
3
AF
5
AFH
1
AG
2
AH
2
AI
1
AJ
10
B
23
BC
4
BCDI
1
BCF
2
BCI
2
BDF
1
BF
3
BFI
1
BFJ
1
BH
4
BI
7
BIJ
1
C
87
CD
3
CDF
1
CE
4
CF
3
CFH
1
CH
3
CI
8
CIJ
2
CJ
1
D
33
DF
3
DH
1
DI
4
DJ
2
E
13
EF
5
EJ
1
F
27
FI
2
FJ
2
G
3
GJ
1
H
6
HI
3
I
17
IJ
1
J
173
203
0
Attending to the sick child
1
1
BECAUSE OF COVID
1
BROUGHT IN RELATIVE TO LIVE IN HOUSEHOLD
1
COVD19
3
COVID 19
1
COVID 19 PANDEMIC
4
COVID 19 restrictions
2
COVID RESTRICTIONS
1
COVID Reasons school closed
4
Covid -19
1
Covid 19
9
DUE TO A CHRONICAL ILLESS OF THE OWNER
1
DUE TO COVID 19
1
DUE TO COVID-19
1
DURING RAIN SEASON UNABLE TO SALE
1
Delayed payment by FRA
1
FELL SICK
1
FISH BAN
1
FORCED CLOSE DUE TO COVID 19
1
Goods where stolen
1
Got married
1
Got sick
1
Got sick,Covid
1
Had gone to nurse her sick mother in the village
1
Illness
1
Illness and money was spent on medication
1
LEFT BUSINESS PREMISES
1
1
Lack of management skills
1
Land issues with the owners. They took the land away.
1
MISMANAGEMENT
2
1
Money for the business was used to pay school fees
1
One of the equipment broke down (Computer)
1
Political issues (i was opposition Pf closed)
1
Spent my profits on medical expenses of my mother
1
THE PRODUCTS WERE STOLEN
1
THEFT
1
TOO MUCH LABOR
1
Taking careof the sick child at the hospital for a long time
1
The shop was burnt together with all the goods
1
1
USED ALL THE MONEY FOR HOME CONSUMPTION
1
Went broke after starting building a house
1
Went farming of Crops
1
ailments like malaria
1
all the chickens died so they stopped
1
army worms destroyed the crops and fra delayed in paying him money for the maize he sold them .
1
attending to the patient(husband)
1
became sick so i stopped
1
became too busy for the business
1
becaus of covid 19 had to close temporarily
1
because of corona virus , the government closed all the bars .
1
because of the covid 19 pandemic
1
challenge where to buy stock
1
child got sick
1
1
1
closed down after she shifted
1
closed due covid 19 and sells went down
1
closed due to covid
2
closed due to covid 19
4
closed during covid times
1
clothes that their selling were burnt on fire at the market
1
competitive market price lost capital
1
1
covid 19
14
covid 19 restrictions
2
covid effects
1
covid lock down
1
covid pandemic
2
covid restrictions
1
covid19
2
creditors failed to pay their financial obligations
1
customers were taking long to pay her
1
deteriorating in age
1
diary cattle all died
1
did not have a radio to play at my bar so customers opted to buy from other competitors
1
doing other works like farming
1
don't permit documents
1
droughts
1
droughts destroyed crops
1
due covid pandemic
1
due to an illness
1
due to covid 19
2
due to illness
4
2
during covid 19
1
during covid time
1
during fish ban
1
1
family challenges
1
family dispute after the death of the husband
2
feel sick and was unable to work
1
fell sick
2
firewood cost is high
2
floods
2
floods in the area
2
had closed due to covid.no customers
1
had gone farming
1
had gone into farming
1
1
1
health matters she became sick
1
his charcoal got destroyed
1
1
ill health
1
increase in prices of feed
1
its difficult to conduct business during rain season
1
labour was too much
1
lack of capital
1
1
lack of finances
1
lack of funds
1
lack of having adequate capital due to many children at home
1
lock down due to COVID19
1
1
luck of transport
1
machine had a fault
1
money went to school fees
1
1
no capital injection
1
personal troubles like sickness and funerals
1
poor rainfall
1
restaurants had to close during covid
1
separation issues with my wife
1
she became pregnant
1
she moved so distance became a challenge
1
she used all her business money during her daughter's funeral
1
she was sick of covid
1
shifted and took time to settle
2
specified time of operation was short
2
the business was not doing fine
2
the market was demolished at sowote market
1
the owner became sick and could not make work on the business as he worked alone
1
the time when lost a wife
1
theft case the grocery was stolen
1
theft from thieves
1
thieves store everything
1
unable to access the products I deal in
2
was on separation with husband
1
was running on a loss
1
was sick
1
was sick with covid
1
weather changes
1
went on maternity leave
1
went out to the farm for harvesting and it took time
1
went to visit a relate in lundazi town
1
when i bought the goat money reduced hence had no option but wait till i had some money to restart
1
1
Proceed to Business Interview
3979
84
1
Do not proceed to business Interview
3942
2
Proceed to business Interview
37
Sysmiss
84
3985
78
1
6
1.163
0.486
275
0
C
1
F
1
N
1
O
81
P
124
Q
67
865
3198
1
Yes
865
2
No
0
Sysmiss
3198
133
3930
1
Yes
133
2
No
0
Sysmiss
3930
403
3660
1
Yes
403
2
No
0
Sysmiss
3660
129
3934
1
Yes
129
2
No
0
Sysmiss
3934
26
4037
1
Yes
26
2
No
0
Sysmiss
4037
809
3254
1
Yes
809
2
No
0
Sysmiss
3254
658
3405
1
Yes
658
2
No
0
Sysmiss
3405
27
4036
1
Yes
27
2
No
0
Sysmiss
4036
73
3990
1
Yes
73
2
No
0
Sysmiss
3990
19
4044
1
Yes
19
2
No
0
Sysmiss
4044
368
3695
1
Yes
368
2
No
0
Sysmiss
3695
364
3699
1
Yes
364
2
No
0
Sysmiss
3699
49
4014
1
Yes
49
2
No
0
Sysmiss
4014
590
3473
1
Yes
590
2
No
0
Sysmiss
3473
635
3428
1
Yes
635
2
No
0
Sysmiss
3428
266
3797
1
Yes
266
2
No
0
Sysmiss
3797
5
4058
1
5
Sysmiss
4058
1
4062
1
1
Sysmiss
4062
2
4061
1
2
Sysmiss
4061
5
4058
1
5
Sysmiss
4058
152
3911
1
Yes
152
Sysmiss
3911
1084
2979
1
Yes
1084
Sysmiss
2979
92
3971
1
Yes
92
Sysmiss
3971
42
4021
1
Yes
42
Sysmiss
4021
23
4040
1
Yes
23
Sysmiss
4040
6
4057
1
Yes
6
Sysmiss
4057
534
3529
1
Yes
534
Sysmiss
3529
109
3954
1
Yes
109
Sysmiss
3954
1328
2735
1
Yes
1328
Sysmiss
2735
114
3949
1
Yes
114
Sysmiss
3949
243
3820
1
Yes
243
Sysmiss
3820
193
3870
1
Yes
193
Sysmiss
3870
12
4051
1
Yes
12
Sysmiss
4051
13
4050
1
Yes
13
Sysmiss
4050
11
4052
1
Yes
11
Sysmiss
4052
8
4055
1
Yes
8
Sysmiss
4055
25
4038
1
Yes
25
Sysmiss
4038
218
3845
1
Yes
218
Sysmiss
3845
34
4029
1
Yes
34
Sysmiss
4029
33
4030
1
Yes
33
Sysmiss
4030
43
4020
1
Yes
43
Sysmiss
4020
22
4041
1
Yes
22
Sysmiss
4041
13
4050
1
Yes
13
Sysmiss
4050
99
3964
1
Yes
99
Sysmiss
3964
28
4035
1
Yes
28
Sysmiss
4035
274
3789
1
Yes
274
Sysmiss
3789
45
4018
1
Yes
45
Sysmiss
4018
89
3974
1
Yes
89
Sysmiss
3974
97
3966
1
Yes
97
Sysmiss
3966
209
3854
1
Yes
209
Sysmiss
3854
352
3711
1
Yes
352
Sysmiss
3711
119
3944
1
Yes
119
Sysmiss
3944
134
3929
1
Yes
134
Sysmiss
3929
32
4031
1
Yes
32
Sysmiss
4031
1002
3061
1
Yes
1002
Sysmiss
3061
16
4047
1
Yes
16
Sysmiss
4047
50
4013
1
Yes
50
Sysmiss
4013
58
4005
1
Yes
58
Sysmiss
4005
80
3983
1
Yes
80
Sysmiss
3983
93
3970
1
Yes
93
Sysmiss
3970
8
4055
1
Yes
8
Sysmiss
4055
150
3913
1
Yes
150
Sysmiss
3913
40
4023
1
Yes
40
Sysmiss
4023
12
4051
1
Yes
12
Sysmiss
4051
135
3928
1
Yes
135
Sysmiss
3928
131
3932
1
Yes
131
Sysmiss
3932
30
4033
1
Yes
30
Sysmiss
4033
17
4046
1
Yes
17
Sysmiss
4046
293
3770
1
Yes
293
Sysmiss
3770
16
4047
1
Yes
16
Sysmiss
4047
3961
0
Agricultural equipment
19
Baking equipment
24
Bar equipment
6
Barbing & Salon Equipment
41
Basket
15
Battery
1
Bed
3
Bee hive
2
Beer making equipment
4
Bicycle
66
Boat
24
Booth
15
Braii Stand
1
Brazier
15
Bricklaying tools
6
Brickmaking equipment
6
Building
95
Butchery equipment
2
Carpentry equipment
27
Cash
2
Cleaning equipment
1
Compressor
4
Computer
26
Container
156
Electronics repair equipment
1
Farming equipment
65
Feeder
1
Firearm
2
Fishing equipment
25
Fixtures & Fittings
1
Food processing equipment
5
Furniture & Fittings
117
Gardening tools
365
Generator
5
Grain Sheller
1
Grinder
5
Heavy duty equipment
1
Irrigation equipment
10
Kitchen utensils
117
Land
18
Livestock
13
Mechanic tools
3
Metal fabrication equipment
2
Milling equipment
28
Motor Vehicle
36
Motor cycle
7
Motor vehicle
37
Music equipment
22
Office equipment
2
Oil extraction machine
1
Other
2174
Packaging Materials
55
Phone
17
Photography equipment
1
Piggery House
5
Plane
1
Point of sale machine
1
Pool table
4
Poultry equipment
60
Poultry house
19
Printer
5
Pump
2
Recreation equipment
1
Refrigerator
78
Scale
3
Scotch cart
16
Sound equipment
4
Storage facilities
2
Stove
9
Tailoring equipment
44
Television
6
Video gaming equipment
2
basket
1
3985
78
1
Yes
286
2
No
3699
Sysmiss
78
3985
78
1
Yes
25
2
No
3960
Sysmiss
78
3985
78
1
Yes
7
2
No
3978
Sysmiss
78
3985
78
1
Yes
3
2
No
3982
Sysmiss
78
3985
78
1
Yes
7
2
No
3978
Sysmiss
78
3985
78
1
Yes
26
2
No
3959
Sysmiss
78
3985
78
1
Yes
111
2
No
3874
Sysmiss
78
3985
78
1
Yes
40
2
No
3945
Sysmiss
78
3985
78
1
Yes
86
2
No
3899
Sysmiss
78
3985
78
1
Yes
369
2
No
3616
Sysmiss
78
3985
78
1
Yes
68
2
No
3917
Sysmiss
78
3985
78
1
Yes
8
2
No
3977
Sysmiss
78
3985
78
1
Yes
2
2
No
3983
Sysmiss
78
3985
78
1
Yes
3
2
No
3982
Sysmiss
78
3985
78
1
Yes
11
2
No
3974
Sysmiss
78
3985
78
1
Yes
40
2
No
3945
Sysmiss
78
3985
78
1
Yes
170
2
No
3815
Sysmiss
78
3985
78
1
Yes
31
2
No
3954
Sysmiss
78
3985
78
1
Yes
8
2
No
3977
Sysmiss
78
3985
78
1
Yes
33
2
No
3952
Sysmiss
78
3985
78
1
Yes
164
2
No
3821
Sysmiss
78
3985
78
1
Yes
54
2
No
3931
Sysmiss
78
3985
78
1
Yes
0
2
No
3985
Sysmiss
78
3985
78
1
Yes
39
2
No
3946
Sysmiss
78
3985
78
1
Yes
26
2
No
3959
Sysmiss
78
3985
78
1
Yes
181
2
No
3804
Sysmiss
78
3985
78
1
Yes
28
2
No
3957
Sysmiss
78
3985
78
1
Yes
43
2
No
3942
Sysmiss
78
3985
78
1
Yes
2
2
No
3983
Sysmiss
78
3985
78
1
Yes
48
2
No
3937
Sysmiss
78
3985
78
1
Yes
10
2
No
3975
Sysmiss
78
3985
78
1
Yes
8
2
No
3977
Sysmiss
78
3985
78
1
Yes
10
2
No
3975
Sysmiss
78
3985
78
1
Yes
47
2
No
3938
Sysmiss
78
3985
78
1
Yes
84
2
No
3901
Sysmiss
78
3985
78
1
Yes
669
2
No
3316
Sysmiss
78
3985
78
1
Yes
59
2
No
3926
Sysmiss
78
3985
78
1
Yes
44
2
No
3941
Sysmiss
78
3985
78
1
Yes
2954
2
No
1031
Sysmiss
78
3985
78
1
Yes
92
2
No
3893
Sysmiss
78
3985
78
1
Yes
126
2
No
3859
Sysmiss
78
3985
78
1
Yes
2
2
No
3983
Sysmiss
78
3985
78
1
Yes
6
2
No
3979
Sysmiss
78
3985
78
1
Yes
82
2
No
3903
Sysmiss
78
3985
78
1
Yes
27
2
No
3958
Sysmiss
78
3985
78
1
Yes
6
2
No
3979
Sysmiss
78
3985
78
1
Yes
124
2
No
3861
Sysmiss
78
3985
78
1
Yes
19
2
No
3966
Sysmiss
78
3985
78
1
Yes
49
2
No
3936
Sysmiss
78
3985
78
1
Yes
259
2
No
3726
Sysmiss
78
3985
78
1
Yes
7
2
No
3978
Sysmiss
78
3985
78
1
Yes
48
2
No
3937
Sysmiss
78
3985
78
1
Yes
34
2
No
3951
Sysmiss
78
3985
78
1
Yes
89
2
No
3896
Sysmiss
78
3985
78
1
Yes
39
2
No
3946
Sysmiss
78
1204
0
Agricultural Equipment
193
Bakery Appliances
1
Bakery Utensils
2
Baking appliances
2
Brewing Utensil
3
Building
12
Carpentry equipment
18
Catering Utensils
32
Cleaning equipment
2
Construction equipment
26
Cooking Utensils
1
Electrical accessories
3
Electrical appliance
1
Electronics repair equipment
3
Fishing equipment
11
Fixtures and Fittings
13
Food Preparation appliances
16
Furniture
78
Hairdressing and other beauty treatment equipment
28
ICT Equipment
19
Kitchen Utensils
42
Kitchen appliances
11
Land
8
Livestock
13
Mannequin
1
Measuring tools
16
Mechanic tools
7
Metal fabrication equipment
1
Motor Bike
2
Motor vehicle
15
Music, sound and entertainment equipment
41
Non-motorised vehicle
23
Office equipment
16
Other
273
Other Plant, Machinery and Equipment
53
Packaging material
42
Poultry house
2
Power supply equipment
19
Recreation equipment
1
Refrigeration appliances
29
Stationery
4
Stock
28
Storage containers
41
Tailoring equipment
5
Temporal structure
15
Transportation equipment
20
Water transport vessel
12
1242
0
Agricultural equipment
129
Bricklaying equipment
3
Building
2
Carpentry Equipment
15
Catering Utensils
38
Cleaning Equipment
2
Construction equipment
24
Electrical accessories
1
Electronics repair equipment
3
Fishing equipment
4
Fixtures and Fittings
12
Food Preparation appliances
13
Food processing machine
1
Furniture
61
Hairdressing and other beauty treatment accessorie
1
Hairdressing and other beauty treatment equipment
3
ICT Equipment
10
Kitchen Appliances
2
Kitchen Utensils
9
Land
1
Livestock
8
Mannequin
1
Measuring tools
7
Mechanic tools
4
Metal fabrication equipment
2
Motor Bike
1
Motor Vehicle
5
Music, Sound and Entertainment Equipment
10
Music, sound and entertainment equipment
10
Non-motorised vehicle
24
None
9
Office equipment
9
Other
636
Other Plant, Machinery and Equipment
29
Packaging material
31
Poultry house
2
Power Supply Equipment
14
Recreation equipment
1
Refrigeration appliances
6
Stationery
15
Stock
5
Storage containers
57
Storage facilities
2
Tailoring equipment
12
Temporal structure
1
Water transport vessel
6
stock
1
740
0
Agricultural Equipment
40
Agricultural equipment
15
Bakery Utensils
4
Bricklaying equipment
14
Building
1
Carpentry equipment
12
Catering Utensils
24
Construction equipment
6
Cooking Utensils
6
Electrical Accessories
1
Fishing equipment
2
Fixtures and Fittings
9
Food Preparation Equipment
1
Furniture
39
Hairdressing and other beauty treatment accessorie
1
Hairdressing and other beauty treatment equipment
9
ICT Equipment
2
Kitchen Utensils
1
Kitchen appliances
5
Land
2
Livestock
8
Measuring tools
17
Metal fabrication equipment
1
Motor Vehicle
6
Music, sound and entertainment equipment
16
Non-motorised vehicle
8
None
378
Office equipment
13
Other
29
Other Plant, Machinery and Equipment
11
Packaging material
4
Photography equipment
1
Piggery House
1
Poultry house
2
Power supply equipment
6
Refrigeration appliances
8
Stock
6
Storage containers
26
Storage facilities
1
Temporal structure
3
Water transport vessel
1
393
0
Agricultural Equipment
19
Agricultural equipment
5
Bakery Appliances
1
Bakery Utensils
2
Building
1
Carpentry equipment
9
Catering Utensils
7
Cleaning equipment
1
Construction equipment
12
Electrical accessories
1
Electronics repair equipment
1
Fixtures & Fittings
4
Furniture
24
Hairdressing and other beauty accessaries
3
Hairdressing and other beauty treatment equipment
6
ICT equipment
4
Kitchen Appliances
2
Kitchen appliances
1
Kitchen utensils
5
Measuring tools
3
Mechanic tools
1
Motor vehicle
1
Music, Sound and Entertainment Equipment
6
Music, sound and entertainment equipment
1
Non-motorised vehicle
2
None
219
Office equipment
2
Other
15
Other Plant, Machinery and Equipment
10
Power Supply Equipment
3
Refrigeration appliances
3
Stock
1
Storage containers
14
Storage facilities
1
Tailoring equipment
1
Temporal structure
1
Water transport vessel
1
203
0
Agricultural equipment
9
Carpentry equipment
5
Catering Utensils
11
Construction equipment
6
Fixtures & Fittings
1
Food processing machine
1
Furniture
11
Hairdressing and other beauty treatment equipment
1
ICT Equipment
3
Kitchen Appliances
5
Livestock
1
Measuring tools
2
Metal fabrication equipment
1
Motor vehicle
2
Music, Sound and Entertainment Equipment
4
Non-motorised vehicle
2
None
107
Office equipment
1
Other
10
Other Plant, Machinery and Equipment
4
Power Supply Equipment
1
Refrigeration appliances
3
Stock
4
Storage containers
8
62
0
Agricultural Equipment
6
Agricultural equipment
1
Building
1
Carpentry equipment
2
Electronics repair equipment
1
Fixtures & Fittings
5
Food Preparation appliances
1
Hairdressing and other beauty treatment accessorie
1
Hairdressing and other beauty treatment equipment
1
ICT Equipment
2
Kitchen appliances
1
Kitchen utensils
10
Measuring tools
3
Music, sound and entertainment equipment
3
Office Equipment
1
Other
8
Other Plant, Machinery and Equipment
2
Packaging Materials
1
Power supply equipment
1
Stock
5
Storage containers
2
Storage facilities
1
Transportation equipment
2
other
1
85
0
Agricultural equipment
1
Carpentry equipment
1
Catering Utensils
5
Construction Equipment
1
Cooking Utensils
1
Fixtures & Fittings
2
Furniture
2
ICT Equipment
1
Kitchen utensils
3
Motor vehicle
3
None
46
Other
15
Other Plant, Machinery and Equipment
1
Storage container
3
20
0
Carpentry Equipment
1
Electrical Accessories
1
Electronics repair equipment
1
Fixtures & Fittings
2
Food Preparation Equipment
2
Food Preparation appliances
2
Food processing machine
1
Hairdressing and other beauty treatment equipment
2
Kitchen Utensils
1
Metal fabrication equipment
1
Music, sound and entertainment equipment
1
Office Equipment
1
Other Plant, Machinery and Equipment
1
Refrigeration appliances
1
Stock
1
other
1
13
0
Baking appliances
1
Fixtures & Fittings
1
Hairdressing and other beauty treatment equipment
1
ICT Equipment
1
Music, sound and entertainment equipment
1
None
1
Other
2
Other Plant, Machinery and Equipment
3
Stock
1
Storage containers
1
6
0
Carpentry Equipment
1
Fixtures & Fittings
3
Kitchen Utensils
1
Other
1
3693
370
1
0 - 180000
3669
2
180001 - 360000
13
3
360001 - 540000
3
4
540001 - 720000
5
5
720001 - 900000
3
Sysmiss
370
662
3401
1
Yes
202
2
No
460
Sysmiss
3401
662
3401
1
Yes
123
2
No
539
Sysmiss
3401
662
3401
1
Yes
180
2
No
482
Sysmiss
3401
662
3401
1
Yes
65
2
No
597
Sysmiss
3401
662
3401
1
Yes
29
2
No
633
Sysmiss
3401
662
3401
1
Yes
67
2
No
595
Sysmiss
3401
662
3401
1
Yes
6
2
No
656
Sysmiss
3401
662
3401
1
Yes
26
2
No
636
Sysmiss
3401
662
3401
1
Yes
69
2
No
593
Sysmiss
3401
662
3401
1
Yes
1
2
No
661
Sysmiss
3401
662
3401
1
Yes
79
2
No
583
Sysmiss
3401
662
3401
1
Yes
35
2
No
627
Sysmiss
3401
662
3401
1
Yes
25
2
No
637
Sysmiss
3401
662
3401
1
Yes
10
2
No
652
Sysmiss
3401
319
3744
1
Yes
143
2
No
176
Sysmiss
3744
319
3744
1
Yes
18
2
No
301
Sysmiss
3744
319
3744
1
Yes
22
2
No
297
Sysmiss
3744
319
3744
1
Yes
9
2
No
310
Sysmiss
3744
319
3744
1
Yes
6
2
No
313
Sysmiss
3744
319
3744
1
Yes
73
2
No
246
Sysmiss
3744
319
3744
1
Yes
63
2
No
256
Sysmiss
3744
319
3744
1
Yes
8
2
No
311
Sysmiss
3744
319
3744
1
Yes
6
2
No
313
Sysmiss
3744
319
3744
1
Yes
1
2
No
318
Sysmiss
3744
319
3744
1
Yes
24
2
No
295
Sysmiss
3744
319
3744
1
Yes
46
2
No
273
Sysmiss
3744
319
3744
1
Yes
8
2
No
311
Sysmiss
3744
319
3744
1
Yes
27
2
No
292
Sysmiss
3744
320
3743
1
Yes
41
2
No
279
Sysmiss
3743
3985
78
1
Yes
1103
2
No
2882
Sysmiss
78
939
3124
1
Yes
147
2
No
792
Sysmiss
3124
Application Approval Period
250
3813
1
Less than 1 week
106
2
1 to 2 weeks
81
3
More than 2 weeks to 3 weeks
15
4
More than 3 weeks to 1 month
20
5
More than 1 month to 2 months
20
6
More than 2 months to 3 months
3
7
More than 3 months to 5 months
2
8
More than 5 months to 7 months
1
9
More than 7 months
2
Sysmiss
3813
1638
2425
1
Yes
341
2
No
1297
Sysmiss
2425
1638
2425
1
Yes
153
2
No
1485
Sysmiss
2425
1638
2425
1
Yes
10
2
No
1628
Sysmiss
2425
1638
2425
1
Yes
877
2
No
761
Sysmiss
2425
1638
2425
1
Yes
38
2
No
1600
Sysmiss
2425
1638
2425
1
Yes
43
2
No
1595
Sysmiss
2425
1638
2425
1
Yes
86
2
No
1552
Sysmiss
2425
1638
2425
1
Yes
1
2
No
1637
Sysmiss
2425
1638
2425
1
Yes
7
2
No
1631
Sysmiss
2425
1638
2425
1
Yes
10
2
No
1628
Sysmiss
2425
1638
2425
1
Yes
8
2
No
1630
Sysmiss
2425
1638
2425
1
Yes
50
2
No
1588
Sysmiss
2425
1638
2425
1
Yes
14
2
No
1624
Sysmiss
2425
577
3486
1
Yes
577
Sysmiss
3486
88
3975
1
Yes
88
Sysmiss
3975
17
4046
1
Yes
17
Sysmiss
4046
303
3760
1
Yes
303
Sysmiss
3760
78
3985
1
Yes
78
Sysmiss
3985
52
4011
1
Yes
52
Sysmiss
4011
73
3990
1
Yes
73
Sysmiss
3990
61
4002
1
Yes
61
Sysmiss
4002
183
3880
1
Yes
183
Sysmiss
3880
17
4046
1
Yes
17
Sysmiss
4046
2
4061
1
Yes
2
Sysmiss
4061
1
4062
1
Yes
1
Sysmiss
4062
109
3954
1
Yes
109
Sysmiss
3954
51
4012
1
Yes
51
Sysmiss
4012
41
4022
1
Yes
41
Sysmiss
4022
1
4062
1
Yes
1
Sysmiss
4062
0
4063
1
Yes
0
Sysmiss
4063
2
4061
1
Yes
2
Sysmiss
4061
4
4059
1
Yes
4
Sysmiss
4059
3
4060
1
Yes
3
Sysmiss
4060
41
4022
1
Yes
41
Sysmiss
4022
3
4060
1
Yes
3
Sysmiss
4060
2
4061
1
Yes
2
Sysmiss
4061
686
3377
1
Yes
686
Sysmiss
3377
29
4034
1
Yes
29
Sysmiss
4034
PROVINCE
19733
0
1
Central
1814
2
Copperbelt
2915
3
Eastern
1760
4
Luapula
2195
5
Lusaka
2852
6
Muchinga
1429
7
Northern
1678
8
1516
9
Southern
1931
10
Western
1643
REGION
19733
0
1
Rural
10602
2
Urban
9131
3610
16123
1
10
2
10
3
10
4
10
5
10
6
10
7
10
8
10
9
10
10
10
11
10
12
10
13
10
14
10
15
10
16
10
17
10
18
10
19
10
20
10
21
10
22
10
23
10
24
10
25
10
26
10
27
10
28
10
29
10
30
10
31
10
32
10
33
10
34
10
35
10
36
10
37
10
38
10
39
10
40
10
41
10
42
10
43
10
44
10
45
10
46
10
47
10
48
10
49
10
50
10
51
10
52
10
53
10
54
10
55
10
56
10
57
10
58
10
59
10
60
10
61
10
62
10
63
10
64
10
65
10
66
10
67
10
68
10
69
10
70
10
71
10
72
10
73
10
74
10
75
10
76
10
77
10
78
10
79
10
80
10
81
10
82
10
83
10
84
10
85
10
86
10
87
10
88
10
89
10
90
10
91
10
92
10
93
10
94
10
95
10
96
10
97
10
98
10
99
10
100
10
101
10
102
10
103
10
104
10
105
10
106
10
107
10
108
10
109
10
110
10
111
10
112
10
113
10
114
10
115
10
116
10
117
10
118
10
119
10
120
10
121
10
122
10
123
10
124
10
125
10
126
10
127
10
128
10
129
10
130
10
131
10
132
10
133
10
134
10
135
10
136
10
137
10
138
10
139
10
140
10
141
10
142
10
143
10
144
10
145
10
146
10
147
10
148
10
149
10
150
10
151
10
152
10
153
10
154
10
155
10
156
10
157
10
158
10
159
10
160
10
161
10
162
10
163
10
164
10
165
10
166
10
167
10
168
10
169
10
170
10
171
10
172
10
173
10
174
10
175
10
176
10
177
10
178
10
179
10
180
10
181
10
182
10
183
10
184
10
185
10
186
10
187
10
188
10
189
10
190
10
191
10
192
10
193
10
194
10
195
10
196
10
197
10
198
10
199
10
200
10
201
10
202
10
203
10
204
10
205
10
206
10
207
10
208
10
209
10
210
10
211
10
212
10
213
10
214
10
215
10
216
10
217
10
218
10
219
10
220
10
221
10
222
10
223
10
224
10
225
10
226
10
227
10
228
10
229
10
230
10
231
10
232
10
233
10
234
10
235
10
236
10
237
10
238
10
239
10
240
10
241
10
242
10
243
10
244
10
245
10
246
10
247
10
248
10
249
10
250
10
251
10
252
10
253
10
254
10
255
10
256
9
257
9
258
9
259
9
260
9
261
8
262
8
263
8
264
8
265
8
266
8
267
8
268
8
269
8
270
8
271
8
272
8
273
8
274
8
275
8
276
8
277
8
278
8
279
8
280
8
281
8
282
8
283
8
284
8
285
8
286
8
287
8
288
8
289
8
290
8
291
8
292
8
293
8
294
8
295
8
296
8
297
8
298
8
299
8
300
8
301
8
302
8
303
8
304
8
305
7
306
7
307
7
308
7
309
7
310
7
311
6
312
6
313
6
314
6
315
6
316
6
317
6
318
6
319
6
320
6
321
6
322
6
323
6
324
6
325
6
326
6
327
6
328
6
329
6
330
6
331
6
332
6
333
6
334
5
335
5
336
5
337
5
338
5
339
5
340
5
341
5
342
5
343
5
344
5
345
5
346
5
347
5
348
5
349
4
350
4
351
4
352
3
353
3
354
3
355
3
356
3
357
3
358
3
359
3
360
3
361
3
362
3
363
3
364
3
365
3
366
3
367
3
368
3
369
3
370
3
371
3
372
3
373
3
374
3
375
3
376
3
377
3
378
3
379
3
380
3
381
3
382
3
383
3
384
3
385
3
386
3
387
3
388
3
389
3
390
3
391
3
392
2
393
2
394
2
395
2
396
2
397
2
398
2
399
2
400
2
401
2
402
2
403
2
404
2
405
2
406
2
407
2
408
2
409
2
410
2
411
2
412
2
413
2
414
2
415
2
416
2
417
2
418
2
419
2
420
2
421
2
422
2
423
2
424
2
425
2
426
2
427
2
428
2
429
2
430
2
431
2
432
2
433
2
434
2
435
2
436
2
437
2
438
2
439
2
440
2
441
2
442
2
443
2
444
2
445
2
446
2
447
2
448
2
449
2
450
2
451
2
452
2
453
2
454
2
455
2
456
2
457
2
458
2
459
2
460
2
461
2
462
2
463
2
464
2
465
2
466
2
467
2
468
2
469
2
470
2
471
2
472
2
473
2
474
2
475
2
476
2
477
2
478
2
479
2
480
2
481
2
482
2
483
2
484
2
485
2
486
2
487
2
488
2
489
2
490
2
491
2
492
2
493
2
494
2
495
2
496
2
497
2
498
2
499
2
500
2
501
2
502
1
503
1
504
1
505
1
506
1
507
1
508
1
509
1
510
1
511
1
512
1
513
1
514
1
515
1
516
1
517
1
518
1
519
1
520
1
521
1
522
1
523
1
524
1
525
1
526
1
527
1
528
1
529
1
530
1
531
1
532
1
533
1
534
1
535
1
536
1
537
1
538
1
539
1
540
1
541
1
542
1
543
1
544
1
545
1
546
1
547
1
548
1
549
1
550
1
551
1
552
1
553
1
554
1
555
1
556
1
557
1
Sysmiss
16123
Person number
19733
0
1
31
3.903
2.669
Interview Start Time
19733
0
1643701021
1656155456
1654842411.938
1393592.066
Number of household members
19733
0
1
158
2
492
3
1239
4
2400
5
3055
6
2934
7
2583
8
2432
9
1638
10
960
11
517
12
480
13
247
14
126
15
195
16
64
17
34
18
36
20
40
22
22
24
24
26
26
31
31
Interview End Time
19706
27
1643701118
1656159957
1654836193.292
1393868.973
Response Status
19706
27
1
COMPLETED
19505
2
ABSENT
26
4
POSTPONED
168
5
REFUSED
0
6
NON-CONTACT (OCCUPIED)
7
Sysmiss
27
Q02 What is the relationship of (NAME) to the head of the household?
19733
0
1
HEAD
3610
2
SPOUSE
2460
3
PARTNER
15
4
OWN SON/DAUGHTER
9457
5
STEP SON/DAUGHTER
274
6
FOSTER OR ADOPTED SON/DAUGHTER
14
7
SON / DAUGHTER IN LAW
56
8
BROTHER/SISTER
437
9
BROTHER/SISTER IN LAW
229
10
COUSIN
123
11
NIECE/NEPHEW
951
12
GRAND SON/DAUGHTER
1618
13
PARENT
88
14
PARENT IN LAW
30
15
AUNT/UNCLE
41
16
GRAND PARENT
22
17
OTHER RELATIVE
218
18
NOT RELATED
90
Q03 Is(Name) male or female
19733
0
1
Male
9599
2
Female
10134
Q04 How old was (Name) at his/her last birthday
19733
0
0
98
22.659
16.971
Q05 Does (Name) own any kind of business such as farming, trading, welding or any other business?â€
12174
7559
1
Yes
3745
2
No
8429
Sysmiss
7559
Add another person
19733
0
1
Yes
16123
2
No
3610
Busseines module person number
19710
23
1
31
3.901
2.669
Respondent present at interview
3743
15990
1
Present, Proceed with Interview
3711
2
Absent, Interview later
32
Sysmiss
15990
B01Sex of Respondent
3713
16020
1
Male
1733
2
Female
1980
Sysmiss
16020
B02.What is your date of birth?
3707
16026
1
99
99
Don't know
7
B02 What is your date of birth?
3707
16026
1
January
385
2
February
358
3
March
409
4
April
392
5
May
374
6
June
380
7
July
220
8
August
260
9
September
212
10
October
280
11
November
198
12
December
224
99
Dont Know month
15
Sysmiss
16026
BO2 What is your date of birth?
3707
16026
1933
2007
1980.976
12.764
B03.How old were you at your last birthday?
3713
16020
15
89
40.633
12.764
B04.What is your marital status?
3713
16020
1
Never married
431
2
Married/cohabiting
2503
3
Divorced
291
4
Separated
115
5
Widowed
373
Sysmiss
16020
B05 What is your Nationality?
3713
16020
1
Zambian
3665
2
Zambia Dual Citizen
5
3
Non Zambia
43
Sysmiss
16020
B05B What is your country of origin?
48
19685
0
Lao's Peoples Democratic Republic
0
1
Latvin
0
2
Lebannon
0
3
Lesotho
0
4
Liberia
0
5
Libya
12
6
Liechtenstein
0
7
Lithuania
0
8
Luxembourg
0
9
Madagascar
0
10
Malawi
2
11
Malaysia
0
12
Maldives
0
13
Mali
0
14
Malta
0
15
Mauritiania
0
16
Mauritius
0
17
Mexico
0
18
Moldovo
0
19
Montenegro
0
20
Morocco
0
21
Mozambique
0
22
Myanmar
0
23
Namibia
0
24
Nepal
0
25
Netherlands
0
26
Netherlands Antilles
0
27
New Zealand
0
28
Nicaragua
0
29
Niger
2
30
Nigeria
0
31
Norway
0
32
Oman
0
33
Pakistan
0
34
Palau
0
35
Panama
0
36
Papua New Guinea
0
37
Parguay
0
38
Peru
0
39
Phillipines
1
40
Poland
0
41
Portugal
0
42
Qatar
5
43
Romania
16
44
Russian Federation
0
45
Rwanda
1
46
Saint Kitts and Nevis
0
47
Saint Lucia and the Grenadines
0
48
Samoa
0
49
Sao Tome and Principe
0
50
Saudi Arabia
0
51
Senegal
0
52
Serbia
0
53
Seychelles
0
54
Sierra Leon
0
55
Singapore
0
56
Slovakia
0
57
Slovenia
0
58
Solomon Islands
0
59
South Africa
0
60
South Sudan
0
61
Spain
0
62
Sri Lanka
0
63
Sudan
0
64
Swaziland
0
65
Sweden
0
66
Switzerland
0
67
Syrian Arab Republic
0
68
Tajikistan
0
69
Tanzania
3
70
Thailand
0
71
Togo
0
72
Tonga
0
73
0
74
Tunisia
0
75
Turkey
0
76
Turkmenistan
0
77
Uganda
0
78
Ukraine
0
79
United Arab Emirates
0
80
United Kingdom
1
81
United States
0
82
United States Virgin Islands
0
83
Uruguay
0
84
Uzbekistan
0
85
Virgin Islands British
0
86
Venezuela
0
87
Vietnam
0
88
Yemen
0
89
Italy
0
90
Zimbabwe
5
91
Jersey
0
92
Jordan
0
93
Japan
0
94
Kazakhanistan
0
95
Kenya
0
96
Kiribati
0
97
Korea (Democratic People's Republic)
0
98
Kuwait
0
99
Kyrgyztar
0
Sysmiss
19685
B06 Have you ever attended school?
3713
16020
1
Yes
3480
2
No
233
Sysmiss
16020
B07a. What is the highest level of education you have attended?
3713
16020
0
Never Attended
233
1
Nursery
5
2
Primary
1395
3
Secondary
1686
4
Tertiary
394
Sysmiss
16020
B07b. If Primary or Secondary, What is the highest grade you have completed
3081
16652
1
22
2
59
3
90
4
143
5
171
6
218
7
692
8
Grade 8
217
9
Grade 9
594
10
Grade 10
153
11
Grade 11
120
12
Grade 12
602
Sysmiss
16652
B07C If tertiary, What is the highest qualification obtained
394
19339
1
None
8
2
Certificate
86
3
Diploma
163
4
Degree
115
5
22
6
Doctorate
0
Sysmiss
19339
b7d. What is the field of study for the highest qualification?
386
19347
0
ting (news)
0
11
Window cleaning
2
12
Wig making
0
13
Waiting and bar service
8
14
Umpires and other sports officials
0
15
Travel services
0
21
Water supply (service)
0
22
Work environment
2
31
War theory
1
32
Security guarding 0532 Seismology
2
41
Truck driving
3
110
Teacher training
12
111
Paedagogical sciences (education)
9
112
Teacher training, pre-school
11
113
Training of trainers (without subject specialisation)
40
114
Training of trainers (with subject specialisation)
23
211
Type-setting
0
212
Window dressing
0
213
Sketching (art)
1
214
Woodcarving
1
215
Theatre
0
221
Theology
3
222
Preservation of artistic heritage
0
223
Philosophy
0
231
Translation programmes
0
232
Speech and rhetorical studies (first language)
0
310
Social sciences
1
311
Political economics
8
312
Public policy studies
2
313
Psychotherapy
0
314
Women’s studies
2
321
Publishing (dissemination of messages)
4
322
Museum studies
0
411
Tax management
36
412
Stock-broking
13
413
Training management
39
414
Sales and marketing
5
415
Typing
11
416
Wholesaling
3
417
Working life
0
421
Para-legal studies
6
511
Zoology
1
512
Virology
0
521
Environmental science
1
522
Wildlife ranger studies
0
531
Polymer chemistry
0
532
Vulcanology
1
533
Space science
0
541
Pure mathematics
0
542
Survey sampling
1
611
Software for word processing, use of
2
612
Web design (Internet)
7
613
Software testing
11
619
Artificial intelligence
0
710
Technology
0
711
Process technology
1
712
Water pollution control
0
713
Wind turbines
6
714
Television and radio repairing
6
715
Welding
10
716
Vehicle varnishers/sprayers
15
719
Nanotechnology
0
721
Wine storing/maturing
2
722
Woodworking and carpentry
0
723
Wool science
0
724
Raw material extraction
4
731
Urban studies
1
732
Water technology and engineering
7
811
Wine growing
25
812
Turf management
0
821
Tree felling
0
831
Shellfish breeding
0
841
Veterinary science
1
911
Orthodontics
0
912
Training of physicians
6
913
Specialised nursing
20
914
X-ray technology (medical)
0
915
Vocational rehabilitation
3
916
Pharmacy
0
917
Traditional medicine
1
921
Personal care of adults
0
922
Youth worker programmes
0
923
Vocational guidance
4
999
Other
2
Sysmiss
19347
b08. Have you ever attended technical or vocational training
3713
16020
1
Yes
208
2
No
3505
Sysmiss
16020
b09 What is the highest grade of technical or vocational training (NAME) has completed
208
19525
1
199
1
Diploma in Aeronautical Electronics Engineering
2
2
Diploma in Agri-business Management
3
3
Diploma in Agricultural Journalism
0
4
Diploma in Air Traffic Management
0
5
Diploma in Aircraft Maintenance Engineering
0
6
Diploma in Auditing - Local Government
0
7
Diploma in Automotive Technology
1
8
Diploma in Biomedical Engineering Technology
0
9
Diploma in Building Construction Works Monitoring & Manageme
0
10
Diploma in Business Administration
4
11
Diploma in Community Development Studies
1
12
Diploma in Computer Studies
2
13
0
14
Diploma in Construction Management
2
15
Diploma in Creative Digital Media
0
16
Diploma in Dairy production
0
17
Diploma in Electrical Technology
1
18
Diploma in Fire Rescue Services
0
19
Diploma in Forestry
1
20
Diploma in Hospitality Management
1
21
Diploma in Human Resource Management
1
22
Diploma in Instrumentation
0
23
Diploma in Journalism
0
24
Diploma in Local Government Administration
0
25
Diploma in Local Government Finance
1
26
Diploma in Mechanical Technology
4
27
Diploma in Paralegal Work
0
28
Diploma in Pharmacy
0
29
Diploma in Physiotherapy
0
30
Diploma in Production management
0
31
Diploma in Radiography
0
32
Diploma in Radiotherapy Technology
0
33
Diploma in Records Management
0
34
Diploma in Rural and Urban Management
0
35
Diploma in Science Laboratory Technology
1
36
Diploma in Secretarial and Office Management
0
37
Diploma in Social Work
1
38
Diploma in Travel and Tourism
0
39
Diploma in Ultra Sound Technology
0
40
Diploma in Urban and Regional Planning
0
41
2
42
Advanced Certificate in Automotive Engineering
2
43
Advanced Certificate in Computer Studies
0
44
Advanced Certificate in Computer Systems Engineering
0
45
Advanced Certificate in Electrical Engineering
2
46
Advanced Certificate in Food Production
5
47
Advanced Certificate in Heavy Equipment Repair
1
48
Advanced Certificate in House Keeping Studies
1
49
Advanced Certificate in Instrumentation
0
50
Advanced Certificate in Land Surveying
0
51
Advanced Certificate in Mechanical Draughting
0
52
Advanced Certificate in Mechanical Draughting
0
53
Advanced Certificate in Mechanical engineering
6
54
Advanced Certificate in Mechanical Engineering for Productio
2
55
Advanced Certificate in Metal Fabrication
3
56
Advanced Certificate in Mining
1
57
Advanced Certificate in Printing
0
58
Advanced Certificate in Refrigeration and Air Conditioning
0
59
Advanced Certificate in Science Laboratory Technology
0
60
Advanced Certificate in Secretarial and Office Management
3
61
Advanced certificate in Secretarial and office Management
0
62
Advanced Certificate in Building Construction
1
63
Bridging Course from Automotive Technician to HER Technician
0
64
Certificate in Computer Systems Engineering
1
65
Certificate in ICT for Visually impaired
0
66
Certificate in Photo Journalism
0
67
Certificate in Television Journalism
0
68
Certificate in Local Government Administration
0
69
Certificate in Community Based Natural Resource Management.
0
70
Certificate in Front office Operations
2
71
Certificate in Internal Auditing
0
72
Certificate in Livestock Production
1
73
Certificate in Agri-business
2
74
Certificate in Child and Youth Care
1
75
Certificate in Community Development Studies
1
76
Certificate in Computer Studies
6
77
Certificate in Co-operative and Agri-business Management
0
78
Certificate in Dairy production
0
79
Certificate in Electrical Engineering
4
80
Certificate in Food and Beverage Service
5
81
Certificate in Food Production
6
82
Certificate in General Agriculture
4
83
Certificate in House Keeping and Laundry Studies
2
84
Certificate in Human Resource Management
0
85
Certificate in Livestock Production
0
86
Certificate in Local Government Finance
1
87
Certificate in Mechanical Transport Administration
0
88
Certificate in Occupational Safety, Health and Environment
2
89
Certificate in Print Media Journalism
0
90
Certificate in Secretarial and Office Management
1
91
Certificate in Specialized News Writing
0
92
Certificate in Storekeeping
1
93
Certificate in Transport Management
0
94
Certificate Social Work
4
95
Craft Cert. in Electronic Equipment Maintenance and Repair
0
96
Craft Cert. in Metal fabrication
2
97
Craft Certificate in Water Supply Operations
0
98
Craft Certificate in Carpentry and Joinery
10
99
Craft Certificate in Plumbing
3
100
Craft Certificate in Auto Electrical and Electronics
1
101
Craft Certificate in Automotive Mechanics
6
102
Craft Certificate in Design Cutting and Tailoring
19
103
Craft Certificate in Electronics and Telecommunications
0
104
Craft Certificate in Fitting
0
105
Craft Certificate in Gemstone Cutting and Polishing
0
106
Craft Certificate in Heavy Equipment Repair
2
107
Craft Certificate in Instrumentation
0
108
Craft Certificate in Jewelry Manufacturing
0
109
Craft Certificate in Machining ( Mechanical Craft)
5
110
Craft Certificate in Minineral Processing Technology
0
111
Craft Certificate in Painting, Decorating & Graphics
0
112
Craft Certificate in Refrigeration and Air Conditioning
0
113
Craft Certificate in Rigging
0
114
Craft Certificate in Welding
3
115
Level I Trade Test Certificate in Bricklaying
6
116
Level I Trade Test Certificate in Carpentry and Joinery
3
117
Level II Trade Test Certificate in Bricklaying
2
118
Level II Trade Test Certificate in Carpentry and Joinery
1
119
Level III Trade Test Certificate in Fabric Printing (Communi
0
120
5
121
2
122
0
123
0
124
Level I Trade Certificate in Computer Studies
3
125
0
126
Level I Trade Certificate in Earth Moving Operations
0
127
Level I Trade Certificate in Heavy Mobile Equipment Operatio
1
128
Level I Trade Test Certificate in Community Based Natural Re
0
129
6
130
Level I Trade Test Certificate in Electronic System Maintena
1
131
Level I Trade Test Certificate in Food Production
3
132
Level I Trade Test Certificate in Front Office Management
0
133
Level I Trade Test Certificate in Home Management
0
134
Level I Trade Test Certificate in Tour Guiding
0
135
Level II Trade Certificate Heavy Mobile Equipment Operation
0
136
4
137
Level II Trade Test Certificate in Electronic System Mainten
0
138
Level II Trade Test Certificate in Food Production
0
139
Level II Trade Test Certificate in Home Management
0
140
Level III Trade Certificate in Dewatering Operations
0
141
Level III Trade Certificate Cable Handling Works
0
142
Level III Trade Test Certificate Carpentry and joinery (Comm
0
143
1
144
Level III Trade Test Certificate in Carpentry & Joinery
0
145
Level III Trade Test Certificate in Design Cutting and Tailo
1
146
Level III Trade Test Certificate in General Agriculture (Com
2
147
Level III Trade Test Certificate in Water Supply Operations
0
148
Level III Trade Test Certificate in Beekeeping
0
149
Level III Trade Test Certificate in Bricklaying and plasteri
2
150
Level III Trade Test Certificate in Electronic System Mainte
0
151
Level III Trade Test Certificate in Food Production
0
152
Level III Trade Test Certificate in Home Management (Communi
1
153
Level III Trade Test Certificate in Knitting
2
154
Level III Trade Test Certificate in Metalwork (Community Dev
0
155
3
156
0
157
0
158
Level Il Trade Test Certificate in Plumbing
0
159
0
160
Skills Awards 1 Skills Award in Baking
0
161
Skills Award in Dancing 3 Skills Award in Building Works Sup
0
162
Skills Award in Civil Engineering Construction Processes
0
163
0
164
Skills Award in Community Based ReEArch and Development
0
165
Skills Award in Community HIV/AIDS, TB and Malaria Managemen
1
166
Skills Award in Construction Materials Testing 9 Skills Awar
0
167
Skills Award in Culvert Design and Construction
0
168
1
169
Skills Award in Land Surveying
0
170
Skills Award in NGO Management
0
171
Skills Award in Occupational Safety, Health and Environment
0
172
Skills Award in Peer Education
1
173
Skills Award in Public Sector Financial Management
0
174
Skills Award in Road Condition Survey
0
175
Skills Award in Road Construction and Maintenance
0
176
Skills Award in Social Work
0
199
Crafts and skills not elsewhere classified
6
Bank Overdraft
3713
16020
1
Yes
853
2
No
2860
Sysmiss
16020
Business loan
3713
16020
1
Yes
2434
2
No
1279
Sysmiss
16020
Invoice discounting or Factoring
3713
16020
1
Yes
323
2
No
3390
Sysmiss
16020
Micro-credit
3713
16020
1
Yes
1271
2
No
2442
Sysmiss
16020
Trade credit
3713
16020
1
Yes
1099
2
No
2614
Sysmiss
16020
Venture Capital
3713
16020
1
Yes
359
2
No
3354
Sysmiss
16020
Angel investment/ Business angels
3713
16020
1
Yes
299
2
No
3414
Sysmiss
16020
Public equity (stocks held by the public)
3713
16020
1
Yes
424
2
No
3289
Sysmiss
16020
Crowdfunding/ peer-to-peer lending
3713
16020
1
Yes
902
2
No
2811
Sysmiss
16020
Finance Leasing or hire purchase
3713
16020
1
Yes
916
2
No
2797
Sysmiss
16020
Property insurance
3713
16020
1
Yes
1484
2
No
2229
Sysmiss
16020
Third-party liability insurance
3713
16020
1
Yes
914
2
No
2799
Sysmiss
16020
Life assurance for the owner
0
19733
1
Yes
0
2
No
0
Sysmiss
19733
Sustainable (social or green) bonds or loans
3713
16020
1
Yes
257
2
No
3456
Sysmiss
16020
Development Finance
3713
16020
1
Yes
334
2
No
3379
Sysmiss
16020
Warehouse receipting
3713
16020
1
Yes
401
2
No
3312
Sysmiss
16020
Credit Guarantee Scheme
3713
16020
1
Yes
523
2
No
3190
Sysmiss
16020
Movable Collateral Facilities
3713
16020
1
Yes
1126
2
No
2587
Sysmiss
16020
Credit Reference Bureau
3713
16020
1
Yes
506
2
No
3207
Sysmiss
16020
National Financial Switch
3713
16020
1
Yes
434
2
No
3279
Sysmiss
16020
Do you understand the complaints handling procedure at your financial service provider?
0
19733
1
Yes
0
2
No
0
3
Not Aware
0
Sysmiss
19733
In the last five years, have you attended any capacity building programmes or training related to your businesses
3712
16021
1
Yes
405
2
No
3307
Sysmiss
16021
The last time you received capacity building or training, which institution or individual provided the training
405
19328
1
Previous Employer/Current Employer
5
2
Training institution e.g. University, College
14
3
Mentor / advisor
16
4
Family/Friend
65
5
Government agencies
87
6
NGOs/Cooperatives/Membership Organizations
164
7
Consultant
6
8
Another business owner in the same line of business
23
9
Other, specify
25
Sysmiss
19328
The last time you received capacity building or training, which institution or individual provided the training
25
0
AGOLA or AMZ
1
1
DMI sent Eugine univesity
1
Evangelical church of Zambia
1
Hybrid
1
1
Online learning and asking questions online
1
Radical entrepreneur(Dumisani Lingamangali Ncube)
1
TABLE CHARM
1
TPL outgrower company
1
ZPPA
1
at church
1
calytus zambia
1
chickens rearing association of zambia
1
church
2
community development
1
green enviro
1
hybrid
1
livestock services
1
lusupuko club
1
national farmer's union
1
pedesa
1
village banking
1
zudu
1
Did the last capacity building or training you received have a positive impact on your business?
405
19328
1
Yes
378
2
No
27
Sysmiss
19328
In the last five years, did any of your business' activities. Close Down
3706
16027
1
Yes
608
2
No
3098
Sysmiss
16027
If yes, what are some of the reasons your business(es) closed
608
0
A
72
AB
23
ABC
16
ABCD
3
ABCF
1
ABCHI
1
ABCI
2
ABCJ
1
ABD
2
ABE
1
ABF
4
ABH
2
ABI
6
ABJ
3
AC
19
ACH
1
ACI
2
ACJ
1
AD
4
ADIJ
1
ADJ
1
AE
3
AF
5
AFH
1
AG
1
AH
1
AI
1
AJ
6
B
18
BC
4
BCDI
1
BCF
2
BCI
2
BDF
1
BF
3
BFI
1
BFJ
1
BH
3
BI
5
BIJ
1
C
86
CD
3
CDF
1
CE
4
CF
3
CFH
1
CH
3
CI
8
CIJ
2
CJ
1
D
29
DF
2
DH
1
DI
3
DJ
2
E
13
EF
4
EJ
1
F
24
FI
2
FJ
2
G
3
GJ
1
H
6
HI
2
I
17
IJ
1
J
157
182
0
Attending to the sick child
1
1
BECAUSE OF COVID
1
BROUGHT IN RELATIVE TO LIVE IN HOUSEHOLD
1
COVD19
3
COVID 19
1
COVID 19 PANDEMIC
3
COVID 19 restrictions
1
COVID RESTRICTIONS
1
COVID Reasons school closed
1
Covid -19
1
Covid 19
9
DUE TO A CHRONICAL ILLESS OF THE OWNER
1
DUE TO COVID 19
1
DUE TO COVID-19
1
DURING RAIN SEASON UNABLE TO SALE
1
Delayed payment by FRA
1
FELL SICK
1
FISH BAN
1
FORCED CLOSE DUE TO COVID 19
1
Goods where stolen
1
Got married
1
Got sick
1
Got sick,Covid
1
Had gone to nurse her sick mother in the village
1
Illness
1
Illness and money was spent on medication
1
LEFT BUSINESS PREMISES
1
1
Lack of management skills
1
Land issues with the owners. They took the land away.
1
MISMANAGEMENT
1
1
Money for the business was used to pay school fees
1
One of the equipment broke down (Computer)
1
Political issues (i was opposition Pf closed)
1
Spent my profits on medical expenses of my mother
1
THE PRODUCTS WERE STOLEN
1
THEFT
1
TOO MUCH LABOR
1
Taking careof the sick child at the hospital for a long time
1
The shop was burnt together with all the goods
1
1
USED ALL THE MONEY FOR HOME CONSUMPTION
1
Went broke after starting building a house
1
Went farming of Crops
1
ailments like malaria
1
all the chickens died so they stopped
1
army worms destroyed the crops and fra delayed in paying him money for the maize he sold them .
1
attending to the patient(husband)
1
became sick so i stopped
1
became too busy for the business
1
becaus of covid 19 had to close temporarily
1
because of corona virus , the government closed all the bars .
1
because of the covid 19 pandemic
1
challenge where to buy stock
1
child got sick
1
1
1
closed down after she shifted
1
closed due covid 19 and sells went down
1
closed due to covid
2
closed due to covid 19
1
closed during covid times
1
clothes that their selling were burnt on fire at the market
1
competitive market price lost capital
1
1
covid 19
13
covid 19 restrictions
2
covid effects
1
covid lock down
1
covid pandemic
2
covid restrictions
1
covid19
2
creditors failed to pay their financial obligations
1
customers were taking long to pay her
1
deteriorating in age
1
diary cattle all died
1
did not have a radio to play at my bar so customers opted to buy from other competitors
1
doing other works like farming
1
don't permit documents
1
droughts
1
droughts destroyed crops
1
due covid pandemic
1
due to an illness
1
due to covid 19
1
due to illness
2
1
during covid 19
1
during covid time
1
during fish ban
1
1
family challenges
1
family dispute after the death of the husband
1
feel sick and was unable to work
1
fell sick
1
firewood cost is high
1
floods
2
floods in the area
2
had closed due to covid.no customers
1
had gone farming
1
had gone into farming
1
1
1
health matters she became sick
1
his charcoal got destroyed
1
1
ill health
1
increase in prices of feed
1
its difficult to conduct business during rain season
1
labour was too much
1
lack of capital
1
1
lack of finances
1
lack of funds
1
lack of having adequate capital due to many children at home
1
lock down due to COVID19
1
1
luck of transport
1
machine had a fault
1
money went to school fees
1
1
no capital injection
1
personal troubles like sickness and funerals
1
poor rainfall
1
restaurants had to close during covid
1
separation issues with my wife
1
she became pregnant
1
she moved so distance became a challenge
1
she used all her business money during her daughter's funeral
1
she was sick of covid
1
shifted and took time to settle
1
specified time of operation was short
1
the business was not doing fine
1
the market was demolished at sowote market
1
the owner became sick and could not make work on the business as he worked alone
1
the time when lost a wife
1
theft case the grocery was stolen
1
theft from thieves
1
thieves store everything
1
unable to access the products I deal in
1
was on separation with husband
1
was running on a loss
1
was sick
1
was sick with covid
1
weather changes
1
went on maternity leave
1
went out to the farm for harvesting and it took time
1
went to visit a relate in lundazi town
1
when i bought the goat money reduced hence had no option but wait till i had some money to restart
1
1
Would you be willing to be contacted for business capacity building? YES/N
0
19733
1
Yes
0
2
No
0
Sysmiss
19733
6
19727
1
6
Sysmiss
19727
3711
16022
1
6
1.074
0.31
19733
0
1
Yes
3711
2
No
16022
19733
0
33.016
2586.461
455.966
442.887
Adjusted weight
19733
0
161.306
5211.862
973.615
603.221
5yr_Age_Group all members
19733
0
1
0 - 4
2132
2
5 - 9
2685
3
10 - 14
3001
4
15 - 19
2603
5
20 - 24
1976
6
25 - 29
1527
7
30 - 34
1231
8
35 - 39
1102
9
40 - 44
973
10
45 - 49
813
11
50 - 54
592
12
55 - 59
359
13
60 - 64
298
14
65 +
441
5yr_Age_Group 15 years plus in business households
3713
16020
1
0 - 4
0
2
5 - 9
0
3
10 - 14
0
4
15 - 19
52
5
20 - 24
256
6
25 - 29
464
7
30 - 34
543
8
35 - 39
546
9
40 - 44
563
10
45 - 49
438
11
50 - 54
312
12
55 - 59
194
13
60 - 64
162
14
65 +
183
Sysmiss
16020
3711
16022
1
6
1.074
0.31
19733
0
1
Yes
19375
2
No
358
PROVINCE
3610
0
1
Central
333
2
Copperbelt
501
3
Eastern
351
4
Luapula
391
5
Lusaka
557
6
Muchinga
260
7
Northern
304
8
255
9
Southern
348
10
Western
310
REGION
3610
0
1
Rural
1892
2
Urban
1718
3610
0
1
10
2
10
3
10
4
10
5
10
6
10
7
10
8
10
9
10
10
10
11
10
12
10
13
10
14
10
15
10
16
10
17
10
18
10
19
10
20
10
21
10
22
10
23
10
24
10
25
10
26
10
27
10
28
10
29
10
30
10
31
10
32
10
33
10
34
10
35
10
36
10
37
10
38
10
39
10
40
10
41
10
42
10
43
10
44
10
45
10
46
10
47
10
48
10
49
10
50
10
51
10
52
10
53
10
54
10
55
10
56
10
57
10
58
10
59
10
60
10
61
10
62
10
63
10
64
10
65
10
66
10
67
10
68
10
69
10
70
10
71
10
72
10
73
10
74
10
75
10
76
10
77
10
78
10
79
10
80
10
81
10
82
10
83
10
84
10
85
10
86
10
87
10
88
10
89
10
90
10
91
10
92
10
93
10
94
10
95
10
96
10
97
10
98
10
99
10
100
10
101
10
102
10
103
10
104
10
105
10
106
10
107
10
108
10
109
10
110
10
111
10
112
10
113
10
114
10
115
10
116
10
117
10
118
10
119
10
120
10
121
10
122
10
123
10
124
10
125
10
126
10
127
10
128
10
129
10
130
10
131
10
132
10
133
10
134
10
135
10
136
10
137
10
138
10
139
10
140
10
141
10
142
10
143
10
144
10
145
10
146
10
147
10
148
10
149
10
150
10
151
10
152
10
153
10
154
10
155
10
156
10
157
10
158
10
159
10
160
10
161
10
162
10
163
10
164
10
165
10
166
10
167
10
168
10
169
10
170
10
171
10
172
10
173
10
174
10
175
10
176
10
177
10
178
10
179
10
180
10
181
10
182
10
183
10
184
10
185
10
186
10
187
10
188
10
189
10
190
10
191
10
192
10
193
10
194
10
195
10
196
10
197
10
198
10
199
10
200
10
201
10
202
10
203
10
204
10
205
10
206
10
207
10
208
10
209
10
210
10
211
10
212
10
213
10
214
10
215
10
216
10
217
10
218
10
219
10
220
10
221
10
222
10
223
10
224
10
225
10
226
10
227
10
228
10
229
10
230
10
231
10
232
10
233
10
234
10
235
10
236
10
237
10
238
10
239
10
240
10
241
10
242
10
243
10
244
10
245
10
246
10
247
10
248
10
249
10
250
10
251
10
252
10
253
10
254
10
255
10
256
9
257
9
258
9
259
9
260
9
261
8
262
8
263
8
264
8
265
8
266
8
267
8
268
8
269
8
270
8
271
8
272
8
273
8
274
8
275
8
276
8
277
8
278
8
279
8
280
8
281
8
282
8
283
8
284
8
285
8
286
8
287
8
288
8
289
8
290
8
291
8
292
8
293
8
294
8
295
8
296
8
297
8
298
8
299
8
300
8
301
8
302
8
303
8
304
8
305
7
306
7
307
7
308
7
309
7
310
7
311
6
312
6
313
6
314
6
315
6
316
6
317
6
318
6
319
6
320
6
321
6
322
6
323
6
324
6
325
6
326
6
327
6
328
6
329
6
330
6
331
6
332
6
333
6
334
5
335
5
336
5
337
5
338
5
339
5
340
5
341
5
342
5
343
5
344
5
345
5
346
5
347
5
348
5
349
4
350
4
351
4
352
3
353
3
354
3
355
3
356
3
357
3
358
3
359
3
360
3
361
3
362
3
363
3
364
3
365
3
366
3
367
3
368
3
369
3
370
3
371
3
372
3
373
3
374
3
375
3
376
3
377
3
378
3
379
3
380
3
381
3
382
3
383
3
384
3
385
3
386
3
387
3
388
3
389
3
390
3
391
3
392
2
393
2
394
2
395
2
396
2
397
2
398
2
399
2
400
2
401
2
402
2
403
2
404
2
405
2
406
2
407
2
408
2
409
2
410
2
411
2
412
2
413
2
414
2
415
2
416
2
417
2
418
2
419
2
420
2
421
2
422
2
423
2
424
2
425
2
426
2
427
2
428
2
429
2
430
2
431
2
432
2
433
2
434
2
435
2
436
2
437
2
438
2
439
2
440
2
441
2
442
2
443
2
444
2
445
2
446
2
447
2
448
2
449
2
450
2
451
2
452
2
453
2
454
2
455
2
456
2
457
2
458
2
459
2
460
2
461
2
462
2
463
2
464
2
465
2
466
2
467
2
468
2
469
2
470
2
471
2
472
2
473
2
474
2
475
2
476
2
477
2
478
2
479
2
480
2
481
2
482
2
483
2
484
2
485
2
486
2
487
2
488
2
489
2
490
2
491
2
492
2
493
2
494
2
495
2
496
2
497
2
498
2
499
2
500
2
501
2
502
1
503
1
504
1
505
1
506
1
507
1
508
1
509
1
510
1
511
1
512
1
513
1
514
1
515
1
516
1
517
1
518
1
519
1
520
1
521
1
522
1
523
1
524
1
525
1
526
1
527
1
528
1
529
1
530
1
531
1
532
1
533
1
534
1
535
1
536
1
537
1
538
1
539
1
540
1
541
1
542
1
543
1
544
1
545
1
546
1
547
1
548
1
549
1
550
1
551
1
552
1
553
1
554
1
555
1
556
1
557
1
Interview Start Time
3610
0
1643701021
1656155456
1654822114.823
1475931.402
Number of household members
3610
0
1
158
2
246
3
413
4
600
5
611
6
489
7
369
8
304
9
182
10
96
11
47
12
40
13
19
14
9
15
13
16
4
17
2
18
2
20
2
22
1
24
1
26
1
31
1
Interview End Time
3606
4
1643701118
1656159957
1654816589.414
1476149.209
Response Status
3606
4
1
COMPLETED
3581
2
ABSENT
5
4
POSTPONED
19
5
REFUSED
0
6
NON-CONTACT (OCCUPIED)
1
Sysmiss
4
H201 TYPE OF HOUSING UNIT
3610
0
1
HUT
802
2
STAND ALONE/DETACHED HOUSE
2191
3
SEMI-DETACHED HOUSE
313
4
TERRACED HOUSE
123
5
FLAT/APARTMENT
156
6
MOBILE
1
7
PART OF COMMERCIAL/INSTITUTION BUILDING
4
8
MAKESHIFT
6
9
COLLECTIVE/INSTITUTIONAL QUARTERS
7
10
INCOMPLETE RESIDENTIAL BUILDING
4
11
INCOMPLETE NON-RESIDENTIAL BUILDING
3
12
OTHER
0
H201 OTHER SPECIFY
4
0
IMPROVED HUT
1
Improved hut
1
camp home
1
improved hut
1
H201 OTHER SPECIFY
0
0
H201 OTHER SPECIFY
0
0
H202 What is the main type of material used for the Roof
3610
0
1
NO ROOF
3
2
GRASS THATCH/PALM LEAF
872
3
RUSTIC MAT
1
4
PALM/BAMBOO
3
5
WOOD PLANKS
1
6
CARDBOARD
1
7
METAL/IRON SHEETS
2306
8
WOOD
1
9
CALAMINE/CEMENT FIBRE
6
10
ASBESTOS
334
11
CERAMIC TILES/HARVEY TILES
30
12
CONCRETE
20
13
ROOFING SHINGLES
28
14
MUD TILES
0
15
OTHER
4
6
0
ASBESTAS SHEETS
1
Hidden Roof
1
asbestos and iron sheet
1
black plastic paper
1
grass and iron
1
tent
1
0
0
0
0
H203 What is the floor of this housing unit mainly made of
3610
0
1
EARTH/SAND
268
2
MUD
1131
3
DUNG
3
4
WOOD PLANKS
1
5
PALM/BAMBOO/LEEDS
0
6
PARQUET OR POLISHED WOOD
2
7
VINYL (PVC) OR ASPHALT STRIPS
17
8
CERAMIC TILES
283
9
MARBLE
5
10
CONCRETE
486
11
CEMENT SCREED
1387
12
CARPET
2
13
BRICK
2
14
OTHER
0
15
TERRAZZO TILES
23
H203OTHER SPECIFY
8
0
POLISHED FLOOR
1
Poished Floor
1
Polished Floor
3
polished Floor
2
pvc tiles
1
H203OTHER SPECIFY
0
0
H203OTHER SPECIFY
0
0
H204 What is the main source of water SUPPLY for drinking
3610
0
1
PIPED INTO DWELLING/HOUSING UNIT
576
2
PIPED TO YARD/PLOT
404
3
PIPED TO NEIGHBOUR
197
5
PUBLIC TAP/STANDPIPE
207
7
TUBE WELL OR BOREHOLE
795
8
PROTECTED WELL
389
9
UNPROTECTED WELL
670
10
PROTECTED SPRING
34
11
UNPROTECTED SPRING
45
12
RAINWATER
0
13
TANKER TRUCK
4
14
CART WITH SMALL TANK
0
15
SURFACE WATER (RIVER / DAM / LAKE / POND / STREAM / CANAL /
273
18
BOTTLED WATER
16
21
OTHER SPECIFY
0
H204 OTHER SPECIFY
27
0
Communal borehole
1
Kiosk
1
buys from CGC
1
buys from CGC water company.
1
communal borehole
16
from prote
1
kiosk
6
H204 OTHER SPECIFY
0
0
H204 OTHER SPECIFY
0
0
3610
0
1
PIPED INTO DWELLING/HOUSING UNIT
582
2
PIPED TO YARD/PLOT
407
3
PIPED TO NEIGHBOR
186
4
PUBLIC TAP/STANDPIPE
192
5
TUBE WELL OR BOREHOLE
751
6
PROTECTED WELL
410
7
UNPROTECTED WELL
716
8
PROTECTED SPRING
25
9
UNPROTECTED SPRING
31
10
RAINWATER
0
11
TANKER TRUCK
2
12
CART WITH SMALL TANK
1
13
SURFACE WATER (RIVER / DAM / LAKE / POND / STREAM / CANAL /
305
17
OTHER SPECIFY
2
H205 OTHER SPECIFY
28
0
Bottled water
1
buys from CGC
1
communal borehole
17
draws from the central place
1
1
kiosk
7
H205 OTHER SPECIFY
0
0
H205 OTHER SPECIFY
0
0
H206 What is the main type of energy used for cooking in your household?
3610
0
1
ELECTRICITY (MAIN GRID)
587
2
ELECTRICITY (GENERATOR COMMUNITY SYSTEM)
1
4
ELECTRICITY (COMMUNITY SOLAR SYSTEM)
0
5
ELECTRICITY (SOLAR HOME SYSTEM)
11
6
ELECTRICITY (WINDMILL HOME SYSTEM)
0
7
ELECTRICITY (GENERATOR HOME SYSTEM)
0
8
FIREWOOD
1422
9
PARAFFIN
1
10
COW DUNG
1
11
CHARCOAL
1468
12
COAL
2
13
SOLAR LANTERN
11
14
LIQUEFIED PETROLEUM GAS (LPG)
12
15
ETHANOL
3
16
WOOD PELLETS
43
17
BRIQUETTES
0
18
BIO GAS
15
19
GEL FUEL
0
20
BIO FUEL
0
21
DIESEL
0
22
GRASS/STRAW/SHRUBS/
20
23
CROP RESIDUES
0
24
OTHER
13
H206 OTHER SPECIFY
14
0
TORCH
6
Touch
2
battery lantern
1
candles
1
solar latern
1
torch
1
touch
1
zesco
1
H206 OTHER SPECIFY
0
0
H206 OTHER SPECIFY
0
0
H207 What is the main type of toilet facility used by the members of this househ
3610
0
1
Flush private connected to main sewer system
534
2
Flush private connected to stand-alone soak away
324
3
Flush communal
10
4
Ventilated Improved Pit Latrine (VIP)
103
5
Dry Pit
182
6
Pit Latrine with Slab
908
7
Pit Latrine without Slab/Open Pit
1352
8
Bucket
0
9
Other
2
10
No Toilet
195
H207 OTHER SPECIFY
5
0
AQUA PRIVY
1
Bush
1
aqua privy
1
bush
2
H207 OTHER SPECIFY
0
0
H207 OTHER SPECIFY
0
0
H208.Do you share this toilet with other households
3418
192
1
Yes
814
2
No
2604
Sysmiss
192
H301 A radio?
3610
0
1
Yes
1951
2
No
1659
H301 A television?
3610
0
1
Yes
1622
2
No
1988
H301 A freezer?
3610
0
1
Yes
863
2
No
2747
H301 A refrigerator?
3610
0
1
Yes
766
2
No
2844
H301 A solar panel?
3610
0
1
Yes
1015
2
No
2595
H301 A bed?
3610
0
1
Yes
2674
2
No
936
H301 A table?
3610
0
1
Yes
2244
2
No
1366
H301 A sofa?
3610
0
1
Yes
1667
2
No
1943
H301 A mattress?
3610
0
1
Yes
3045
2
No
565
H301 A home theatre?
3610
0
1
Yes
676
2
No
2934
H301 A clock?
3610
0
1
Yes
552
2
No
3058
H301 A washing machine?
3610
0
1
Yes
106
2
No
3504
H301 An air conditioner?
3610
0
1
Yes
65
2
No
3545
H301 A generator?
3610
0
1
Yes
80
2
No
3530
H301 A microwave?
3610
0
1
Yes
317
2
No
3293
H301 A stove?
3610
0
1
Yes
924
2
No
2686
H301 A brazier/Mbaula?
3610
0
1
Yes
2805
2
No
805
H301 Electric iron?
3610
0
1
Yes
1098
2
No
2512
H301 A geyser (water heater)?
3610
0
1
Yes
166
2
No
3444
H301 A grain grinder?
3610
0
1
Yes
80
2
No
3530
H301 PLOUGH
3610
0
1
Yes
332
2
No
3278
H301 TRACTOR
3610
0
1
Yes
34
2
No
3576
H301 HAMMERMILL
3610
0
1
Yes
47
2
No
3563
H301 INVERTER
3610
0
1
Yes
284
2
No
3326
H302 Axe?
3610
0
1
Yes
2593
2
No
1017
H302 Shovel/spade?
3610
0
1
Yes
1836
2
No
1774
H302 Hoe?
3610
0
1
Yes
3089
2
No
521
H302
3610
0
1
Yes
759
2
No
2851
3610
0
1
Yes
2594
2
No
1016
3610
0
1
Yes
1392
2
No
2218
H303 COMPUTER
3610
0
1
Yes
388
2
No
3222
H303 TABLET
3610
0
1
Yes
200
2
No
3410
H304 Bicycle?
3610
0
1
Yes
1547
2
No
2063
H304 Car?
3610
0
1
Yes
472
2
No
3138
H304 Motor cycle?
3610
0
1
Yes
145
2
No
3465
H304 Scotch cart?
3610
0
1
Yes
169
2
No
3441
H304 Canoe?
3610
0
1
Yes
112
2
No
3498
H305A Access to Internet
3610
0
1
Yes
192
2
No
3418
H305B Does any member of this household own agricultural land?
3610
0
1
Yes
1978
2
No
1632
Would you be willing to be contacted for business capacity building? YES/N
0
3610
1
Yes
0
2
No
0
Sysmiss
3610
3610
0
1
Yes
3532
2
No
78
3610
0
1
40
8.273
4.157
Adjusted weight
3610
0
161.306
5211.862
967.478
602.303
3610
0
33.016
2586.461
383.4
387.243
Radio
3610
0
0
1659
1
1951
Television
3610
0
0
1988
1
1622
Freezer
3610
0
0
2747
1
863
Refrigerator
3610
0
0
2844
1
766
Solar_panel
3610
0
0
2595
1
1015
Bed
3610
0
0
936
1
2674
Table
3610
0
0
1366
1
2244
Sofa
3610
0
0
1943
1
1667
Mattress
3610
0
0
565
1
3045
Home_theatre
3610
0
0
2934
1
676
Clock
3610
0
0
3058
1
552
Washing_machine
3610
0
0
3504
1
106
Air_conditioner
3610
0
0
3545
1
65
Generator
3610
0
0
3530
1
80
Microwave
3610
0
0
3293
1
317
Stove
3610
0
0
2686
1
924
`Brazier
3610
0
0
805
1
2805
`Iron
3610
0
0
2512
1
1098
`Geyser
3610
0
0
3444
1
166
Grinder
3610
0
0
3530
1
80
Plough
3610
0
0
3278
1
332
Tractor
3610
0
0
3576
1
34
Hammermill
3610
0
0
3563
1
47
Inverter
3610
0
0
3326
1
284
Axe
3610
0
0
1017
1
2593
Shovel/Spade
3610
0
0
1774
1
1836
Hoe
3610
0
0
521
1
3089
Wheelbarrow
3610
0
0
2851
1
759
Phone
3610
0
0
1016
1
2594
Smart_phone
3610
0
0
2218
1
1392
Computer
3610
0
0
3222
1
388
Tablet
3610
0
0
3410
1
200
Bicycle
3610
0
0
2063
1
1547
Car
3610
0
0
3138
1
472
Motor_cycle
3610
0
0
3465
1
145
Scotch_cart
3610
0
0
3441
1
169
Canoe
3610
0
0
3498
1
112
Own_Agric_Land
3610
0
0
1632
1
1978
Internet
3610
0
0
3418
1
192
No Roof
3610
0
0
3607
1
3
Thatch/Palm leaf
3610
0
0
2738
1
872
Natural Roof
3610
0
0
2735
1
875
Rudimentary Roof
3610
0
0
3604
1
6
Metal/Iron sheets
3610
0
0
1304
1
2306
Wood Roof
3610
0
0
3609
1
1
Calamite/Cement fiber(asbestos)
3610
0
0
3270
1
340
Ceramic/harvey_tiles
3610
0
0
3580
1
30
concrete Roof
3610
0
0
3590
1
20
Roofing shingles
3610
0
0
3582
1
28
Finished roof
3610
0
0
885
1
2725
Other roof materials
3610
0
0
3606
1
4
Natural Floor
3610
0
0
2207
1
1403
Parquet or Polished wood
3610
0
0
3608
1
2
Vinyl(pvc) or Asphalt strips
3610
0
0
3593
1
17
Ceramic
3610
0
0
3327
1
283
Marble
3610
0
0
3605
1
5
Concrete
3610
0
0
3124
1
486
Cement Screed
3610
0
0
2223
1
1387
Carpet
3610
0
0
3608
1
2
Brick
3610
0
0
3608
1
2
Terrazzo Tiles
3610
0
0
3587
1
23
Finished Floor
3610
0
0
1403
1
2207
Water piped into dwelling
3610
0
0
3034
1
576
Water piped into yard/plot
3610
0
0
3206
1
404
Water piped to neighbour
3610
0
0
3413
1
197
Public Tap
3610
0
0
3403
1
207
Borehole
3610
0
0
2815
1
795
Protected well
3610
0
0
3221
1
389
Unprotected well
3610
0
0
2940
1
670
Protected & Unprotected Spring
3610
0
0
3531
1
79
Tanker Truck
3610
0
0
3606
1
4
Surface water(river/dam/lake/ponds etc)/tanker/other
3610
0
0
3337
1
273
Bottled Water
3610
0
0
3594
1
16
Toilet to sewer
3610
0
0
3076
1
534
Flush Toilet to Stand alone soak away
3610
0
0
3286
1
324
Flush Communal
3610
0
0
3600
1
10
Flush Toilet
3610
0
0
2742
1
868
Ventilated Improved Pit Latrine
3610
0
0
3507
1
103
Dry Latrine
3610
0
0
3428
1
182
Latrine with slab
3610
0
0
2702
1
908
Latrine with slab
3610
0
0
2258
1
1352
Toilet Other
3610
0
0
3608
1
2
No Facility
3610
0
0
3415
1
195
Flush toilet shared
3610
0
0
No
3528
1
Yes
82
Pit latrine shared
3610
0
0
No
2880
1
Yes
730
Latrine
3610
0
0
1065
1
2545
Electricity
3610
0
0
3011
1
599
Firewood
3610
0
0
2188
1
1422
Charcoal/Coal
3610
0
0
2140
1
1470
Solar
3610
0
0
3599
1
11
LPG
3610
0
0
3598
1
12
Ethanol
3610
0
0
3607
1
3
Wood_pellets
3610
0
0
3567
1
43
`Bio Gas
3610
0
0
3595
1
15
Grass/Straw/Shrub/Agricutural crop
3610
0
0
3590
1
20
Other
3610
0
0
3597
1
13
Scores for component 1
3610
0
-4.461
10.999
-5.83e-10
3.532
rotected & Unprotected Well
3610
0
0
2551
1
1059