FinScope 2005, Financial Inclusion
Zambia, 2005
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Reference ID
ZMB_2005_FSDZ_v01_M
Producer(s)
Finmark Trust
Collection(s)
Created on
Oct 17, 2019
Last modified
Oct 17, 2019
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- Data files
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Zambia Finscope
2005 v1.0
Stata11
Reasons for not having a bank account - 2 (Q7_2)
Data file: Zambia Finscope 2005 v1.0 Stata11
Overview
Valid:
1503
Invalid:
2495
Type:
Discrete
Decimal:
0
Start:
186
End:
187
Width:
2
Range:
1 - 99
Format:
Numeric
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| 1 | I do not have a regular income | 0 |
0%
|
| 2 | I do not have money to put into a bank | 480 |
31.9%
|
| 3 | I do not have a job | 391 |
26%
|
| 4 | I do not qualify to open an account | 59 |
3.9%
|
| 5 | I do not need a bank account | 52 |
3.5%
|
| 6 | The bank closed my account | 27 |
1.8%
|
| 7 | The bank staff couldn't speak my language (mother tongue) | 7 |
0.5%
|
| 8 | I am not comfortable walking into the bank (maybe due to app | 11 |
0.7%
|
| 9 | I do not know how to open an account | 57 |
3.8%
|
| 10 | The bank is too far | 122 |
8.1%
|
| 11 | Minimum balance in the bank is too high | 96 |
6.4%
|
| 12 | I do not have an identity document | 10 |
0.7%
|
| 13 | I do not have a reference | 7 |
0.5%
|
| 14 | It is expensive to have a bank account | 59 |
3.9%
|
| 15 | Bank Charges / Service Fees are too high | 21 |
1.4%
|
| 16 | I prefer dealing in cash | 37 |
2.5%
|
| 17 | I do not trust banks | 21 |
1.4%
|
| 18 | I do not want the tax man to know about my money | 0 |
0%
|
| 19 | Long process to open an account | 0 |
0%
|
| 20 | No fixed address / Change of address | 3 |
0.2%
|
| 22 | I am still at school / I am too young | 15 |
1%
|
| 23 | I am a dependent | 1 |
0.1%
|
| 24 | I am not educated | 1 |
0.1%
|
| 26 | I am still saving money | 0 |
0%
|
| 27 | Attitude of staff | 1 |
0.1%
|
| 28 | The banks offer low interest rates | 1 |
0.1%
|
| 29 | My business is bankrupt | 0 |
0%
|
| 30 | I cannot manage an account | 1 |
0.1%
|
| 31 | I am retired | 1 |
0.1%
|
| 33 | Lack of knowledge on banks | 10 |
0.7%
|
| 34 | I do not have a stable job | 0 |
0%
|
| 35 | I am about to open an account | 2 |
0.1%
|
| 37 | I do not have anyone to open an account for me | 0 |
0%
|
| 38 | I prefer to keep money at home | 0 |
0%
|
| 39 | I have never thought about it | 2 |
0.1%
|
| 40 | I use my husband's account | 1 |
0.1%
|
| 41 | The bank closed down | 2 |
0.1%
|
| 42 | I do not have enough income to save | 0 |
0%
|
| 43 | There is no bank in my region | 1 |
0.1%
|
| 44 | I have not chosen a bank yet / Not yet decided | 0 |
0%
|
| 45 | I am widowed | 1 |
0.1%
|
| 46 | Banks do not offer interest on savings | 1 |
0.1%
|
| 47 | I am too old | 0 |
0%
|
| 48 | There is no benefit | 0 |
0%
|
| 95 | Others | 2 |
0.1%
|
| 98 | Do not know | 0 |
0%
|
| 99 | Not specified | 0 |
0%
|
| Sysmiss | 2495 |
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.