FinScope 2009, Financial Inclusion
Zambia, 2009
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Reference ID
ZMB_2009_FSDZ_v01_M
Producer(s)
Finmark Trust
Collection(s)
Created on
Oct 16, 2019
Last modified
Oct 16, 2019
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- Data files
-
Zambia Finscope
2009 v1.0
Stata11
S9Q2D.4: Reasons why people often do not have a bank account or use b (S9Q2D_4)
Data file: Zambia Finscope 2009 v1.0 Stata11
Overview
Valid:
42
Invalid:
3958
Type:
Discrete
Decimal:
0
Start:
1728
End:
1729
Width:
2
Range:
-9 - 19
Format:
Numeric
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| -9 | Missing Data | 0 |
0%
|
| 1 | Does not need it - Insufficient or no money coming it to justify it | 0 |
0%
|
| 2 | Income coming in, but insufficient balance after expenses | 0 |
0%
|
| 3 | Cannot maintain the minimum balance | 0 |
0%
|
| 4 | Bank service charges are too high | 5 |
11.9%
|
| 5 | Banks are too far away or transport too difficult | 1 |
2.4%
|
| 6 | Banking hours are not convenient | 0 |
0%
|
| 7 | Does not have an ID document or salary slip or letter from the Chief to be able to open an account | 2 |
4.8%
|
| 8 | Does not understand how banks work | 5 |
11.9%
|
| 9 | Does not understand the financial language used in banks | 3 |
7.1%
|
| 10 | Does not know how to apply | 3 |
7.1%
|
| 11 | Does not understand benefits from having a bank account | 1 |
2.4%
|
| 12 | Does not trust banks | 7 |
16.7%
|
| 13 | Bank accounts are not for people like 'me' | 5 |
11.9%
|
| 14 | Fears embarrassment or refusals | 3 |
7.1%
|
| 15 | Banks do not provide the products or services needed | 1 |
2.4%
|
| 16 | Can get services needed elsewhere in the community | 0 |
0%
|
| 17 | Need permission of someone else to open it | 5 |
11.9%
|
| 18 | Other specify | 1 |
2.4%
|
| 19 | Does not know | 0 |
0%
|
| Sysmiss | 3958 |
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.