FinScope 2015, Financial Inclusion

Zambia, 2015

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Reference ID

ZMB_2015_FSDZ_v01_M

Producer(s)

Financial Sector Deepening Zambia

Collection(s)

DataFirst , University of Cape Town, South Africa

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Oct 16, 2019

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Oct 16, 2019

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5.3. What is the main reason why you have not borrowed money? (Q5_3)

Data file: zmb-zambia-finscope-2015-v1.1-stata11

Overview

Valid: 5993

Invalid: 2578

Type: Discrete

Decimal: 0

Start: 2725

End: 2726

Width: 2

Range: 1 - 12

Format: Numeric

Questions and instructions

Categories

Value	Category	Cases
1	Didn't need to borrow money, my income is enough to cover al	1099	18.3%
2	Don't want to borrow money/don't believe in borrowing money	809	13.5%
3	Worried would not be able to pay back the money	2923	48.8%
4	Interest charged on borrowed money is too high	117	2%
5	Do not know where to borrow money from	163	2.7%
6	Do not know how to apply for a loan	16	0.3%
7	Do not have security or collateral	28	0.5%
8	Cannot get a loan because of my credit history	3	0.1%
9	Do not have the right documentation	15	0.3%
10	Not allowed to borrow money by spouse, by family or other	74	1.2%
11	Tried to borrow, but have been refused	27	0.5%
12	Other, specify	719	12%
Sysmiss		2578

Warning: these figures indicate the number of cases found in the data file. They cannot be interpreted as summary statistics of the population of interest.

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