FinScope 2015, Financial Inclusion
Zambia, 2015
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Reference ID
ZMB_2015_FSDZ_v01_M
Producer(s)
Financial Sector Deepening Zambia
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Created on
Oct 16, 2019
Last modified
Oct 16, 2019
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- zmb-zambia-finscope-2015-v1.1-stata11
2.8b. What is the main reason for why you don't have money of your own? [Other ( (Q2_8B_oth)
Data file: zmb-zambia-finscope-2015-v1.1-stata11
Overview
Valid:
897
Type:
Discrete
Start:
1223
End:
1333
Width:
111
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| .don't have enough capital | 1 |
0.1%
|
|
| 999 | 1 |
0.1%
|
|
| All Moines that come in are already budgeted for or spent | 1 |
0.1%
|
|
| All my expenses are paid for | 1 |
0.1%
|
|
| All the money has gone to medical cost | 1 |
0.1%
|
|
| Am a student | 1 |
0.1%
|
|
| Am not given | 1 |
0.1%
|
|
| Am not in ny employment | 1 |
0.1%
|
|
| Am still a student | 1 |
0.1%
|
|
| Am still at school | 1 |
0.1%
|
|
| Am still attending school I don't work | 1 |
0.1%
|
|
| Because I don't have other sources of income. | 1 |
0.1%
|
|
| Because am still at school | 1 |
0.1%
|
|
| Because am still at school. | 1 |
0.1%
|
|
| Because i pay for my school out of the money i make | 1 |
0.1%
|
|
| Because l don't know how to use money. | 1 |
0.1%
|
|
| Because my source of income has not been easy. | 1 |
0.1%
|
|
| Because of limited access to cash | 1 |
0.1%
|
|
| Because of limited sources of funds | 1 |
0.1%
|
|
| Because of limited time to do his personal business and insufficient capital to expand his farming | 1 |
0.1%
|
|
| Because she can become a bad child | 1 |
0.1%
|
|
| Business is no fare at times hen | 1 |
0.1%
|
|
| Business is slow | 1 |
0.1%
|
|
| Can only have money after working | 1 |
0.1%
|
|
| Crops are not ready to sell | 2 |
0.2%
|
|
| Crops are not yet ready to sell | 1 |
0.1%
|
|
| Currently all money is going towards wedding preparation | 1 |
0.1%
|
|
| Depending on the salary | 1 |
0.1%
|
|
| Doesn't have an office job | 1 |
0.1%
|
|
| Don't get enough | 1 |
0.1%
|
|
| Don't have a stable source of income. | 1 |
0.1%
|
|
| Don't have money | 3 |
0.3%
|
|
| Don't have other means of finding money. | 1 |
0.1%
|
|
| Don't kwon | 1 |
0.1%
|
|
| Don't work. | 1 |
0.1%
|
|
| Farm sells are slow | 1 |
0.1%
|
|
| First we harvest and sale our products | 1 |
0.1%
|
|
| Fishing period is closed. | 1 |
0.1%
|
|
| For now all the money goes into buying food as they wait for harvest | 1 |
0.1%
|
|
| Gets little money so it's hard to even buy all that's needed at home | 1 |
0.1%
|
|
| God is the provider | 1 |
0.1%
|
|
| Has everything he needs so he doesn't need it | 1 |
0.1%
|
|
| Have not been paid yet | 1 |
0.1%
|
|
| Have not being paid | 1 |
0.1%
|
|
| Have not reaped | 1 |
0.1%
|
|
| Haven't harvested yet | 1 |
0.1%
|
|
| He bought some fertilizer and some seeds | 1 |
0.1%
|
|
| He doesn't earn enough money | 1 |
0.1%
|
|
| He doesn't have enough sources of cash | 1 |
0.1%
|
|
| He earns little cash | 1 |
0.1%
|
|
| He has insufficient capital | 1 |
0.1%
|
|
| He has limited sources | 1 |
0.1%
|
|
| He has limited sources of funds | 3 |
0.3%
|
|
| He has no formal employment | 1 |
0.1%
|
|
| He is unemployed | 3 |
0.3%
|
|
| He paid school fees | 1 |
0.1%
|
|
| He used all the money that he had | 1 |
0.1%
|
|
| Her business is not going well | 1 |
0.1%
|
|
| I already used it in buying farming inputs | 1 |
0.1%
|
|
| I am a pensioner | 1 |
0.1%
|
|
| I am currently looking for job because the piece work that I do is a part time job | 1 |
0.1%
|
|
| I am going through a number of difficulties | 1 |
0.1%
|
|
| I am going to school | 1 |
0.1%
|
|
| I am not doing anything | 1 |
0.1%
|
|
| I am old so my children does everything for me | 1 |
0.1%
|
|
| I am still at school | 1 |
0.1%
|
|
| I am still going to school | 1 |
0.1%
|
|
| I am waiting for the crops I planted to grow so that I can sell some and have some money | 1 |
0.1%
|
|
| I bought a cattle | 1 |
0.1%
|
|
| I bought farm implements | 1 |
0.1%
|
|
| I bought farming inputs | 2 |
0.2%
|
|
| I bought fertilizer and paid for piece work at the farm | 1 |
0.1%
|
|
| I bought fertilizer and seeds | 1 |
0.1%
|
|
| I bought fertilizers and seeds | 1 |
0.1%
|
|
| I can't access a loan | 1 |
0.1%
|
|
| I can't do much work | 1 |
0.1%
|
|
| I can't find any piece work and am too old. | 1 |
0.1%
|
|
| I depend on my son | 1 |
0.1%
|
|
| I dnt any much. | 1 |
0.1%
|
|
| I dnt work | 1 |
0.1%
|
|
| I don't do any business | 1 |
0.1%
|
|
| I don't earn enough income | 1 |
0.1%
|
|
| I don't get an income | 1 |
0.1%
|
|
| I don't get enough money | 3 |
0.3%
|
|
| I don't get enough money to have extra | 1 |
0.1%
|
|
| I don't get paid where I work. | 1 |
0.1%
|
|
| I don't get to have many piece works | 1 |
0.1%
|
|
| I don't have | 1 |
0.1%
|
|
| I don't have a business for me earn me some money of my own | 1 |
0.1%
|
|
| I don't have a business to get my own money from | 1 |
0.1%
|
|
| I don't have a helper yo help me find money | 1 |
0.1%
|
|
| I don't have a job where I can earn money monthly. | 1 |
0.1%
|
|
| I don't have a permanent job | 1 |
0.1%
|
|
| I don't have a reasonable job | 1 |
0.1%
|
|
| I don't have a stable. income | 1 |
0.1%
|
|
| I don't have any business | 2 |
0.2%
|
|
| I don't have any formal employment that I can earn money from | 1 |
0.1%
|
|
| I don't have any money making ventures | 1 |
0.1%
|
|
| I don't have any money use at the moment | 1 |
0.1%
|
|
| I don't have any other resource where I can get my money other than my brother | 1 |
0.1%
|
|
| I don't have anything to do. | 1 |
0.1%
|
|
| I don't have anything to sell as at now | 1 |
0.1%
|
|
| I don't have because I have a lot of responsibility | 1 |
0.1%
|
|
| I don't have because I only have money of my own when I sell my maize | 1 |
0.1%
|
|
| I don't have because of problems. | 1 |
0.1%
|
|
| I don't have capital to start a better business. | 1 |
0.1%
|
|
| I don't have children to give me money they are all dead | 1 |
0.1%
|
|
| I don't have enough crops to sell at the moment | 1 |
0.1%
|
|
| I don't have enough money | 2 |
0.2%
|
|
| I don't have enough money to invest in the garden | 1 |
0.1%
|
|
| I don't have money | 1 |
0.1%
|
|
| I don't have money and means of find money in the village is very difficult | 1 |
0.1%
|
|
| I don't have were to get the money | 1 |
0.1%
|
|
| I don't have where to find it | 1 |
0.1%
|
|
| I don't have work to do | 1 |
0.1%
|
|
| I don't have. a proper job | 1 |
0.1%
|
|
| I don't know | 2 |
0.2%
|
|
| I don't make enough money | 5 |
0.6%
|
|
| I don't make much from farming because I only manage to cultivate a small portion of my land | 1 |
0.1%
|
|
| I don't produces enough | 1 |
0.1%
|
|
| I don't where to get the money | 1 |
0.1%
|
|
| I don't work | 7 |
0.8%
|
|
| I don't work, am just a dependant | 1 |
0.1%
|
|
| I don't work. | 1 |
0.1%
|
|
| I don't. earn. an income | 1 |
0.1%
|
|
| I dont have anywhere where i can get money because of the fact that am still in school | 1 |
0.1%
|
|
| I earn little money | 1 |
0.1%
|
|
| I get a little money | 1 |
0.1%
|
|
| I get little money | 1 |
0.1%
|
|
| I get money seasonally and no money to save | 1 |
0.1%
|
|
| I get very little as my salary | 1 |
0.1%
|
|
| I got little money from piecework | 1 |
0.1%
|
|
| I have a lot of expence | 1 |
0.1%
|
|
| I have a lot of expenses | 1 |
0.1%
|
|
| I have been sick for some time so I haven't been going for work | 1 |
0.1%
|
|
| I have being sick so I haven't been working | 1 |
0.1%
|
|
| I have children to feed | 1 |
0.1%
|
|
| I have difficulties in finding piece work | 1 |
0.1%
|
|
| I have in invested in fertiliser | 1 |
0.1%
|
|
| I have invested in all the money into the business | 1 |
0.1%
|
|
| I have invested in farming inputs. | 1 |
0.1%
|
|
| I have invested in my farming that is buying inputs | 1 |
0.1%
|
|
| I have no children to support me | 1 |
0.1%
|
|
| I have no reason | 1 |
0.1%
|
|
| I have no where to keep my money | 1 |
0.1%
|
|
| I have not been given any money as of now... | 1 |
0.1%
|
|
| I have not been given yet. | 1 |
0.1%
|
|
| I have not bought chicken | 1 |
0.1%
|
|
| I have not done all lot of farming because my son got sick for a long time | 1 |
0.1%
|
|
| I have not done piece works | 1 |
0.1%
|
|
| I have problems, money is difficult to find. | 1 |
0.1%
|
|
| I have stoped making mats because my hand is not in food shape, I have no income coming in. | 1 |
0.1%
|
|
| I have to pay for my school first | 1 |
0.1%
|
|
| I have used most of the money | 1 |
0.1%
|
|
| I haven't been given yet and | 1 |
0.1%
|
|
| I haven't found any piece work | 1 |
0.1%
|
|
| I haven't found any piece work of late | 1 |
0.1%
|
|
| I haven't gone to do business | 1 |
0.1%
|
|
| I haven't gone to the forest to collect yet. | 1 |
0.1%
|
|
| I haven't got my monthly income | 1 |
0.1%
|
|
| I haven't had money in a long time because I just exchanged the bed I made with the solar panels. | 1 |
0.1%
|
|
| I haven't received yet. | 1 |
0.1%
|
|
| I haven't sold my products | 1 |
0.1%
|
|
| I haven't yet been given | 1 |
0.1%
|
|
| I haven't yet collected from my customers | 1 |
0.1%
|
|
| I haven't yet gotten paid | 1 |
0.1%
|
|
| I haven't yet received my money | 1 |
0.1%
|
|
| I haven't. been given yet | 1 |
0.1%
|
|
| I havent been paid yet | 1 |
0.1%
|
|
| I invest my money in business | 1 |
0.1%
|
|
| I invested all my money into agriculture | 1 |
0.1%
|
|
| I invested in my business and paid my school fees. | 1 |
0.1%
|
|
| I just don't have | 2 |
0.2%
|
|
| I just don't havr | 1 |
0.1%
|
|
| I keep money for something. | 1 |
0.1%
|
|
| I like said money is seasonal here | 1 |
0.1%
|
|
| I make little money | 1 |
0.1%
|
|
| I need to complete school | 1 |
0.1%
|
|
| I not working | 2 |
0.2%
|
|
| I only have money when I ask my parents. for something. I need to buy | 1 |
0.1%
|
|
| I only rely on rentals | 1 |
0.1%
|
|
| I paid someone who did some piece work for me | 1 |
0.1%
|
|
| I pay for for my children school tuition | 1 |
0.1%
|
|
| I pay for my sister at school | 1 |
0.1%
|
|
| I poor and don't work | 1 |
0.1%
|
|
| I poor and not working | 1 |
0.1%
|
|
| I poor and old don't have money | 1 |
0.1%
|
|
| I save the money that I have | 1 |
0.1%
|
|
| I spend it onschool fees and other things | 1 |
0.1%
|
|
| I spent most of my money to take children to school | 1 |
0.1%
|
|
| I spent with my husband we share | 1 |
0.1%
|
|
| I still at school | 1 |
0.1%
|
|
| I use the money for building my house. | 1 |
0.1%
|
|
| I used all my money I received last time from my husband. | 1 |
0.1%
|
|
| I used all the money I had to buy fertilizer | 1 |
0.1%
|
|
| I used it for my business | 2 |
0.2%
|
|
| I used it to buy farm products | 1 |
0.1%
|
|
| I used it to invest in farming inputs | 1 |
0.1%
|
|
| I used most of the money to buy farm implements | 1 |
0.1%
|
|
| I used most of the money to buy livestock | 1 |
0.1%
|
|
| I used the money I had to buy fertilizer | 1 |
0.1%
|
|
| I used the money for farming inputs | 1 |
0.1%
|
|
| I used the money to buy fertilizer | 1 |
0.1%
|
|
| I used the money to order for goods. | 1 |
0.1%
|
|
| I used to save on Man mobile money but I withdrew and used everything | 1 |
0.1%
|
|
| I was hospitalized for a long time | 1 |
0.1%
|
|
| I'm getting little money | 1 |
0.1%
|
|
| I'm just given the money | 1 |
0.1%
|
|
| I'm not working | 4 |
0.4%
|
|
| I'm not working and money is difficulty to find | 3 |
0.3%
|
|
| I'm not working and money is difficulty to find in the village | 1 |
0.1%
|
|
| I'm not working and no money | 1 |
0.1%
|
|
| I'm not working and they give me when they feel like | 1 |
0.1%
|
|
| I'm old and money is difficulty to find | 1 |
0.1%
|
|
| I'm poor | 5 |
0.6%
|
|
| I'm poor and I dnt work | 1 |
0.1%
|
|
| I'm poor and i don't work | 1 |
0.1%
|
|
| I'm poor and life is hard here | 1 |
0.1%
|
|
| I'm still waiting to harvest | 1 |
0.1%
|
|
| It's. not easy to find money | 1 |
0.1%
|
|
| Lack of capital | 1 |
0.1%
|
|
| Limited sources | 1 |
0.1%
|
|
| Limited sources of funds | 1 |
0.1%
|
|
| Lost all the money | 1 |
0.1%
|
|
| Lucky of employment. | 1 |
0.1%
|
|
| Medical grounds | 1 |
0.1%
|
|
| Money I usually have is for school fees | 1 |
0.1%
|
|
| Money goes in the business | 1 |
0.1%
|
|
| Money goes in the farming stuff | 1 |
0.1%
|
|
| Money goes into farming inputs | 1 |
0.1%
|
|
| Money goes into farming inputs. | 1 |
0.1%
|
|
| Money goes into other businesses apart from farming | 1 |
0.1%
|
|
| Money goes into various essential programs | 1 |
0.1%
|
|
| Money goes to farming expenses | 2 |
0.2%
|
|
| Money is always used for paying school fees and other farming inputs | 1 |
0.1%
|
|
| Money is hard to come by | 1 |
0.1%
|
|
| Money is hard to find | 1 |
0.1%
|
|
| Money isn't readily available | 1 |
0.1%
|
|
| Money was invested in building | 1 |
0.1%
|
|
| Money went into business | 1 |
0.1%
|
|
| Money went into farming inputs | 1 |
0.1%
|
|
| Most of the money I get is used for paying school fees | 1 |
0.1%
|
|
| My business is still small. | 1 |
0.1%
|
|
| My business is very slow | 1 |
0.1%
|
|
| My husband might suspect me of cheating on him if I have money which is not coming from him | 1 |
0.1%
|
|
| My income is annually | 1 |
0.1%
|
|
| No one to give her right now | 1 |
0.1%
|
|
| Not harvested | 1 |
0.1%
|
|
| Not having enough money to use anytime | 1 |
0.1%
|
|
| Not in formal employment. | 1 |
0.1%
|
|
| Not paid yet | 1 |
0.1%
|
|
| Not yet paid | 1 |
0.1%
|
|
| Not yet well settled | 1 |
0.1%
|
|
| Nothing | 2 |
0.2%
|
|
| Nowhere to find money | 1 |
0.1%
|
|
| Nursing a patient | 1 |
0.1%
|
|
| Only finds money at times that he can do as he wishes | 1 |
0.1%
|
|
| Refused to answer | 1 |
0.1%
|
|
| Relies on piecework so if there's nothing there's nothing | 1 |
0.1%
|
|
| Respondent doesn't get enough money | 1 |
0.1%
|
|
| Respondent uses money for business orders | 1 |
0.1%
|
|
| Right now she isn't making enough money because it's not the season for fish | 1 |
0.1%
|
|
| Saving for tuition fees for children | 1 |
0.1%
|
|
| Share everything with the wife so he can't do as he wishes | 1 |
0.1%
|
|
| She bought fertilizer | 2 |
0.2%
|
|
| She bought fertilizer the money she had | 1 |
0.1%
|
|
| She doesn't work | 1 |
0.1%
|
|
| She has a lot of problems | 1 |
0.1%
|
|
| She has limited sources of funds | 1 |
0.1%
|
|
| She has no formal employment and not educated | 1 |
0.1%
|
|
| She has no secure job | 1 |
0.1%
|
|
| She is unemployed | 1 |
0.1%
|
|
| She started business | 1 |
0.1%
|
|
| She struggles to get by in life even finding money for food is hard | 1 |
0.1%
|
|
| She was robbed some cash | 1 |
0.1%
|
|
| Still waiting to harvest | 1 |
0.1%
|
|
| The business is going down. | 1 |
0.1%
|
|
| The business is too slow | 1 |
0.1%
|
|
| The crops are not yet ready to sell | 1 |
0.1%
|
|
| The economy is hard. | 1 |
0.1%
|
|
| The money I get from farming is not enough to reach me this far. | 1 |
0.1%
|
|
| The money I get is not enough | 1 |
0.1%
|
|
| The money is not enough that I earn | 1 |
0.1%
|
|
| The money that I recently had I used it to pay of school fees that I was eligible to pay for when I had | 1 |
0.1%
|
|
| The salary is low | 1 |
0.1%
|
|
| The salary is too little | 1 |
0.1%
|
|
| The source of income is sick | 1 |
0.1%
|
|
| There are very few income generating activities in our community. | 1 |
0.1%
|
|
| They jst don't have the money | 1 |
0.1%
|
|
| Things are had | 1 |
0.1%
|
|
| Things are hard at times looking at the kind of work I do and the income I get | 1 |
0.1%
|
|
| Things are hard crops don't seem promising | 1 |
0.1%
|
|
| This season has been tough for me in terms of farming | 1 |
0.1%
|
|
| This time of the year in our village we do have enough money unless during the time selling farm produce | 1 |
0.1%
|
|
| Used all my money for farming | 1 |
0.1%
|
|
| Used it on school going children | 1 |
0.1%
|
|
| Used the money for farming | 3 |
0.3%
|
|
| Used the money for farming purposes | 1 |
0.1%
|
|
| Used the money into farming inputs | 1 |
0.1%
|
|
| Used the money to buy fertilizer | 1 |
0.1%
|
|
| Usually money is misplaced | 1 |
0.1%
|
|
| Waiting for my Salary | 1 |
0.1%
|
|
| Waiting for the. harvest | 1 |
0.1%
|
|
| Waiting my harvest | 1 |
0.1%
|
|
| Waiting to harvest the tobacco | 1 |
0.1%
|
|
| Waiting to receive money | 1 |
0.1%
|
|
| We didn't do farming activities last year therefore I have no money at all. | 1 |
0.1%
|
|
| We don't have money that we can spend as we wish because of poverty. | 1 |
0.1%
|
|
| a lot of problems,,not in employment | 1 |
0.1%
|
|
| all her money goes to fertilizer | 1 |
0.1%
|
|
| all my money goes to my education fees | 1 |
0.1%
|
|
| always piece work | 1 |
0.1%
|
|
| am a school going girl | 1 |
0.1%
|
|
| am a widow | 1 |
0.1%
|
|
| am at school so it's hard to find money | 1 |
0.1%
|
|
| am building a house | 1 |
0.1%
|
|
| am currently paying off a loan | 1 |
0.1%
|
|
| am disabled and old | 1 |
0.1%
|
|
| am given by mum and dad | 1 |
0.1%
|
|
| am in college and l Don,t get an income | 1 |
0.1%
|
|
| am just settling in my brother is the one that is footing most of my bills at the moment | 1 |
0.1%
|
|
| am married so I don't manage money alone | 1 |
0.1%
|
|
| am not doing any business | 1 |
0.1%
|
|
| am not doing anything to bring me money am still a dependant | 1 |
0.1%
|
|
| am not incharge of the business | 1 |
0.1%
|
|
| am not working | 2 |
0.2%
|
|
| am not working i depends on my parents | 1 |
0.1%
|
|
| am not working now | 1 |
0.1%
|
|
| am now working I just completed school | 1 |
0.1%
|
|
| am old and cannot work | 1 |
0.1%
|
|
| am old and have no money | 1 |
0.1%
|
|
| am retired from Zambia state insurance | 1 |
0.1%
|
|
| am sick and very old | 1 |
0.1%
|
|
| am still at school | 2 |
0.2%
|
|
| am still at school I told you already | 1 |
0.1%
|
|
| am still attending my school | 1 |
0.1%
|
|
| am still attending school | 3 |
0.3%
|
|
| am still attending school so i don't earn any income | 1 |
0.1%
|
|
| am still going to school | 1 |
0.1%
|
|
| am still in school | 2 |
0.2%
|
|
| at the moment I haven't been paid so unless I do some work that's when I have money | 1 |
0.1%
|
|
| awaiting from my husband | 1 |
0.1%
|
|
| awaiting to sell farm products | 1 |
0.1%
|
|
| because I am not fully employed | 1 |
0.1%
|
|
| because I am still going to school | 1 |
0.1%
|
|
| because I don't have a permanent job | 1 |
0.1%
|
|
| because I don't work | 1 |
0.1%
|
|
| because I don't work or doing any businesses at now the money I get is mostly for house hold use from my spouse | 1 |
0.1%
|
|
| because I have failed to save at the moment. | 1 |
0.1%
|
|
| because I have not yet harvested from my field | 1 |
0.1%
|
|
| because I still haven't received anything. | 1 |
0.1%
|
|
| because I still haven't received money. | 1 |
0.1%
|
|
| because I use money for farming | 1 |
0.1%
|
|
| because I work here and there is no time to do my own things so that I can have my own money | 1 |
0.1%
|
|
| because I work on temporal basis | 1 |
0.1%
|
|
| because I work with my husband that s how come | 1 |
0.1%
|
|
| because I'm not doing anything | 1 |
0.1%
|
|
| because am not workig | 1 |
0.1%
|
|
| because he has not yet sent. | 1 |
0.1%
|
|
| because i don't have a formal job | 1 |
0.1%
|
|
| because i don't have a proper job | 1 |
0.1%
|
|
| because i get the money seasonally | 1 |
0.1%
|
|
| because i only get money when i harvest my crops | 1 |
0.1%
|
|
| because i stopped platting | 1 |
0.1%
|
|
| because is still at school | 1 |
0.1%
|
|
| because my husband is not supporting me fully these days | 1 |
0.1%
|
|
| because of lack of jobs | 1 |
0.1%
|
|
| because the family has not harvested | 1 |
0.1%
|
|
| because there are no piece works as at now. | 1 |
0.1%
|
|
| because this is when I just started work | 1 |
0.1%
|
|
| because this is when i started farming | 1 |
0.1%
|
|
| bought farming imputs | 1 |
0.1%
|
|
| bought farming inputs | 1 |
0.1%
|
|
| bought school books | 1 |
0.1%
|
|
| bought seed and fertiser | 1 |
0.1%
|
|
| business has gone down | 1 |
0.1%
|
|
| business is tough at times | 1 |
0.1%
|
|
| business not going well. | 1 |
0.1%
|
|
| buying building materials to finish off the house which is on window level | 1 |
0.1%
|
|
| buying fertilizer | 1 |
0.1%
|
|
| buys books | 1 |
0.1%
|
|
| buys clothes | 1 |
0.1%
|
|
| can not work the hand has a problem | 1 |
0.1%
|
|
| can't walk for long | 1 |
0.1%
|
|
| cause I have bought farming inputs using the money I had | 1 |
0.1%
|
|
| cause I have my own college fees to pay | 1 |
0.1%
|
|
| cause am still at school | 1 |
0.1%
|
|
| couse I don't work | 1 |
0.1%
|
|
| depend on money she gets on the month end | 1 |
0.1%
|
|
| depends on parents | 1 |
0.1%
|
|
| didn't do any piece work | 1 |
0.1%
|
|
| didn't do any price work recently | 1 |
0.1%
|
|
| didn't do enough piece works | 1 |
0.1%
|
|
| difficult to find money | 1 |
0.1%
|
|
| difficult to found it | 1 |
0.1%
|
|
| doesn't have full time job | 1 |
0.1%
|
|
| doesn't work and she is not feeling well to go to her business. | 1 |
0.1%
|
|
| don't do anything | 1 |
0.1%
|
|
| don't earn enough money | 1 |
0.1%
|
|
| don't get enough money for such | 1 |
0.1%
|
|
| don't have a business | 1 |
0.1%
|
|
| don't have a good job were i can get more money at the end of the month. | 1 |
0.1%
|
|
| don't have a job | 1 |
0.1%
|
|
| don't have a proper job | 1 |
0.1%
|
|
| don't have best answer | 1 |
0.1%
|
|
| don't have enough capital to raise high profits | 1 |
0.1%
|
|
| don't have enough capital to run other things that can generate some money. | 1 |
0.1%
|
|
| don't have enough capital. | 1 |
0.1%
|
|
| don't have enough income | 1 |
0.1%
|
|
| don't have enough income. | 2 |
0.2%
|
|
| don't have enough money | 2 |
0.2%
|
|
| don't have enough money. | 2 |
0.2%
|
|
| don't have enough to misuse. | 1 |
0.1%
|
|
| don't have money | 1 |
0.1%
|
|
| don't have money. | 1 |
0.1%
|
|
| don't have much energy | 1 |
0.1%
|
|
| don't have proper generating income | 1 |
0.1%
|
|
| don't have savings | 1 |
0.1%
|
|
| don't have something stable to do | 1 |
0.1%
|
|
| don't have what to sell at the moment | 1 |
0.1%
|
|
| don't have where to find money of my own | 1 |
0.1%
|
|
| don't have where to get them from | 1 |
0.1%
|
|
| don't know | 1 |
0.1%
|
|
| don't work | 10 |
1.1%
|
|
| don't work alot he is sick | 1 |
0.1%
|
|
| don't work so I have limited money | 1 |
0.1%
|
|
| don't work. | 1 |
0.1%
|
|
| farming expenses took a lot of money | 1 |
0.1%
|
|
| farming produce last year were not as expected | 1 |
0.1%
|
|
| fishing is in seasons hence we sent have money for now | 1 |
0.1%
|
|
| gave my workers | 1 |
0.1%
|
|
| get small amount | 1 |
0.1%
|
|
| give the money to grandchildren | 1 |
0.1%
|
|
| give to people who want to do a shylock | 1 |
0.1%
|
|
| given money that only caters for my needs | 1 |
0.1%
|
|
| given. it to farmers to later gain some of their. produce | 1 |
0.1%
|
|
| goes into farming | 1 |
0.1%
|
|
| had a loss | 1 |
0.1%
|
|
| had invested in farming | 1 |
0.1%
|
|
| had problems. that's why I do not even run my salon. | 1 |
0.1%
|
|
| hard to find money | 1 |
0.1%
|
|
| has not invested | 1 |
0.1%
|
|
| has not started saving yet | 1 |
0.1%
|
|
| has not yet started saving | 1 |
0.1%
|
|
| hasn't started working yet. | 1 |
0.1%
|
|
| have already spent what I had | 1 |
0.1%
|
|
| have bought fertilizer | 1 |
0.1%
|
|
| have no contract at the moment | 1 |
0.1%
|
|
| have no income and it takes time for children to send money(about once in a year) | 1 |
0.1%
|
|
| have not done any piece work | 1 |
0.1%
|
|
| have not done any piece work at the moment | 1 |
0.1%
|
|
| have not gone for business | 1 |
0.1%
|
|
| have not sold any thing | 2 |
0.2%
|
|
| have not yet got paid because I have not completed the job. | 1 |
0.1%
|
|
| have not yet harvested my crops | 1 |
0.1%
|
|
| have not yet worked cause am a Chaco burner | 1 |
0.1%
|
|
| have nothing to do as at moment. | 1 |
0.1%
|
|
| have nowhere to find me. | 1 |
0.1%
|
|
| have nowhere to find money. | 1 |
0.1%
|
|
| have school expenses for children | 1 |
0.1%
|
|
| have to give away money for schools | 1 |
0.1%
|
|
| have to wait for a piece work | 1 |
0.1%
|
|
| have to wait for crops to grow so that we cn sell and have money | 1 |
0.1%
|
|
| have to wait for harvests to get an income and have such money | 1 |
0.1%
|
|
| have to wait for piece work and harvesting to have such money | 1 |
0.1%
|
|
| have to wait for the harvesting season to get money | 1 |
0.1%
|
|
| have to wait till i get piece work to get money | 1 |
0.1%
|
|
| haven't been paid yet | 2 |
0.2%
|
|
| haven't done any piece work. | 1 |
0.1%
|
|
| haven't gone for piece work | 1 |
0.1%
|
|
| haven't had any piece work. | 1 |
0.1%
|
|
| haven't sold anything products | 1 |
0.1%
|
|
| haven't sold anything yet | 1 |
0.1%
|
|
| haven't worked yet | 1 |
0.1%
|
|
| haven't yet harvest | 1 |
0.1%
|
|
| he depends on the father | 1 |
0.1%
|
|
| her business got bankrupt | 1 |
0.1%
|
|
| household expediture | 1 |
0.1%
|
|
| household expenditure | 1 |
0.1%
|
|
| how yo find money is hard | 1 |
0.1%
|
|
| husband business is down at the moment | 1 |
0.1%
|
|
| i squandered money | 1 |
0.1%
|
|
| i buy food staffs | 1 |
0.1%
|
|
| i don't have any business and the only money i denpend onis the money mu husband gives me and its not enough | 1 |
0.1%
|
|
| i don't have reason being it difficult to keep my family and myself | 1 |
0.1%
|
|
| i don't produce enough crops to sell | 1 |
0.1%
|
|
| i dont get a regular income | 1 |
0.1%
|
|
| i dont get enough money | 1 |
0.1%
|
|
| i dont get paid regulary | 1 |
0.1%
|
|
| i have alot of expenditure | 1 |
0.1%
|
|
| i have no business of your own | 1 |
0.1%
|
|
| i invest whatever is left into farming. | 1 |
0.1%
|
|
| i usually have money when i sell my farm produce. thus thats the time i have money for my own. | 1 |
0.1%
|
|
| i'm currently keeping most of my earnings for wedding preparations | 1 |
0.1%
|
|
| if I don't farm then I can't have money and they are times when business is hard | 1 |
0.1%
|
|
| if am not given by my husband I 've no were to get money | 1 |
0.1%
|
|
| in farming | 1 |
0.1%
|
|
| income is little | 1 |
0.1%
|
|
| invest money into other businesses | 1 |
0.1%
|
|
| invested In Farming | 1 |
0.1%
|
|
| invested all the money in farming | 1 |
0.1%
|
|
| invested in farming | 2 |
0.2%
|
|
| invested it in the business | 1 |
0.1%
|
|
| invested my money | 1 |
0.1%
|
|
| invested my money in farming | 2 |
0.2%
|
|
| it because of time, our time to have money has not yet come | 1 |
0.1%
|
|
| it difficult | 1 |
0.1%
|
|
| it difficult to find money | 1 |
0.1%
|
|
| it is a joint business hence i can not misuse the money | 1 |
0.1%
|
|
| it is because I did not finished school | 1 |
0.1%
|
|
| it is difficult to find money | 1 |
0.1%
|
|
| it is difficulty cause capital is a problem in the business I do | 1 |
0.1%
|
|
| it's because I don't work and don't earn an income | 1 |
0.1%
|
|
| it's difficult to find money | 2 |
0.2%
|
|
| it's difficult to have money | 1 |
0.1%
|
|
| it's hard to find money | 1 |
0.1%
|
|
| it's little which I get from the fishing and farming | 1 |
0.1%
|
|
| it's not enough | 2 |
0.2%
|
|
| it's not much to have kept | 1 |
0.1%
|
|
| it's the rainy season, money is hard to find. | 1 |
0.1%
|
|
| it's very difficult to save | 1 |
0.1%
|
|
| its because she doesn't work | 1 |
0.1%
|
|
| jobless | 1 |
0.1%
|
|
| jobs are very hard to find here so most of the time I am Brock | 1 |
0.1%
|
|
| jobs r hard to find because some times I don't work | 1 |
0.1%
|
|
| just doesn't have at the moment | 1 |
0.1%
|
|
| just got a job | 1 |
0.1%
|
|
| just started working | 1 |
0.1%
|
|
| just started working yesterday | 1 |
0.1%
|
|
| lack of business opportunities | 1 |
0.1%
|
|
| lack of piece works | 1 |
0.1%
|
|
| lend | 1 |
0.1%
|
|
| life is hard all is for food and rent | 1 |
0.1%
|
|
| life is hard in the village and money is difficulty to find | 1 |
0.1%
|
|
| life is tough going. | 1 |
0.1%
|
|
| little money | 1 |
0.1%
|
|
| lost all things due to property grabbing after losing husband | 1 |
0.1%
|
|
| many expenses | 1 |
0.1%
|
|
| money goes to credit | 1 |
0.1%
|
|
| money goes to the building of the house and farming inputs | 1 |
0.1%
|
|
| money got finished | 1 |
0.1%
|
|
| money has gone into farming | 1 |
0.1%
|
|
| money is difficult get | 1 |
0.1%
|
|
| money is difficult to find | 1 |
0.1%
|
|
| money is hard to find | 5 |
0.6%
|
|
| money is hard to find in the rainy season | 1 |
0.1%
|
|
| money is hard to find these days | 2 |
0.2%
|
|
| money is in the fields | 1 |
0.1%
|
|
| money is kept for business | 1 |
0.1%
|
|
| money is less than expenses | 1 |
0.1%
|
|
| money is little | 1 |
0.1%
|
|
| money is little. | 1 |
0.1%
|
|
| money is not enough | 1 |
0.1%
|
|
| money is not enough to save | 1 |
0.1%
|
|
| money is now had to find | 1 |
0.1%
|
|
| money is nowhere to be seen. | 1 |
0.1%
|
|
| money is seasonal | 1 |
0.1%
|
|
| money not enough | 1 |
0.1%
|
|
| money. went into farming | 1 |
0.1%
|
|
| most of the money I have I use it for school | 1 |
0.1%
|
|
| most of the money i have is invested in education | 1 |
0.1%
|
|
| most of the money she gets is for house expenditures | 1 |
0.1%
|
|
| most of the money used to buy farm inputs | 1 |
0.1%
|
|
| most of the money was used to buy farming implements | 1 |
0.1%
|
|
| most of the money was used to farm implements | 1 |
0.1%
|
|
| most of the money we get is mostly used | 1 |
0.1%
|
|
| mostly on fertilizer | 1 |
0.1%
|
|
| my business has gone down | 1 |
0.1%
|
|
| my business. is hard and unpredictable, customers take long to pay. | 1 |
0.1%
|
|
| my crops are not yet ready for harvest | 1 |
0.1%
|
|
| my crops haven't matured yet | 1 |
0.1%
|
|
| my customers have not paid me yet | 1 |
0.1%
|
|
| my customers haven't paid me yet | 1 |
0.1%
|
|
| my husband doesn't give me money | 1 |
0.1%
|
|
| my husband doesnt give me | 1 |
0.1%
|
|
| my husband has just died few months | 1 |
0.1%
|
|
| my husband has not given me and I depend on him | 1 |
0.1%
|
|
| my husband hasn't been paid yet | 1 |
0.1%
|
|
| my husband hasn't given me | 1 |
0.1%
|
|
| my income is limited | 1 |
0.1%
|
|
| my income is not enough | 1 |
0.1%
|
|
| my income is too little to use it for any thing I want or wish for | 1 |
0.1%
|
|
| my money was stolen | 1 |
0.1%
|
|
| my pay. is low | 1 |
0.1%
|
|
| my salary is not enough | 1 |
0.1%
|
|
| my salary. was delayed | 1 |
0.1%
|
|
| my sister hasn't sent yet | 1 |
0.1%
|
|
| my sister hasn't yet given me | 1 |
0.1%
|
|
| no because I already bought my farming inputs | 1 |
0.1%
|
|
| no capital | 1 |
0.1%
|
|
| no job yet | 1 |
0.1%
|
|
| no jobs | 2 |
0.2%
|
|
| no money and the business I do is selling fish | 1 |
0.1%
|
|
| no one to give me money | 1 |
0.1%
|
|
| no other means to find money | 1 |
0.1%
|
|
| no piece work and my husband also doesn't have money. | 1 |
0.1%
|
|
| no piece works | 4 |
0.4%
|
|
| no piece works as at now | 1 |
0.1%
|
|
| no products to sale | 1 |
0.1%
|
|
| no proper job yet | 1 |
0.1%
|
|
| no reason | 3 |
0.3%
|
|
| no reason. | 1 |
0.1%
|
|
| no reasonable income | 1 |
0.1%
|
|
| no regular income | 1 |
0.1%
|
|
| no source | 1 |
0.1%
|
|
| no source at the moment | 1 |
0.1%
|
|
| no such money to put aside | 1 |
0.1%
|
|
| no water for the garden so am just home | 1 |
0.1%
|
|
| no ways of how to find money | 1 |
0.1%
|
|
| no where to get money | 1 |
0.1%
|
|
| no where to get money. | 1 |
0.1%
|
|
| no work to found money | 1 |
0.1%
|
|
| no working at the moment | 1 |
0.1%
|
|
| none works here. | 1 |
0.1%
|
|
| not employed | 3 |
0.3%
|
|
| not enough | 1 |
0.1%
|
|
| not enough money coming in | 1 |
0.1%
|
|
| not enough revenue from my farm produce | 1 |
0.1%
|
|
| not every time I have money because it hard to find money | 1 |
0.1%
|
|
| not in formal employment | 1 |
0.1%
|
|
| not making much to save | 1 |
0.1%
|
|
| not started the business yet | 1 |
0.1%
|
|
| not the right time | 1 |
0.1%
|
|
| not working | 19 |
2.1%
|
|
| not working full time | 1 |
0.1%
|
|
| not yet paid | 1 |
0.1%
|
|
| nothing. | 2 |
0.2%
|
|
| nowhere to find money, I'm in the village | 1 |
0.1%
|
|
| nowhere to get money | 1 |
0.1%
|
|
| nowhere today find money and money is difficulty here in the village | 1 |
0.1%
|
|
| only find piece works occasionally | 1 |
0.1%
|
|
| only have money for business | 1 |
0.1%
|
|
| our cops are not yet ready for harvest | 1 |
0.1%
|
|
| paid school fees | 2 |
0.2%
|
|
| paid school fees for my son | 1 |
0.1%
|
|
| paid. for my children's education | 1 |
0.1%
|
|
| paying school fees | 1 |
0.1%
|
|
| piece work is so hard to do | 1 |
0.1%
|
|
| piece works are hard to find this time of the year | 1 |
0.1%
|
|
| pieceworks are hard to come by nowadays | 1 |
0.1%
|
|
| poverty | 5 |
0.6%
|
|
| poverty and money is difficult to find in the village | 1 |
0.1%
|
|
| poverty and money is difficulty find in the village | 1 |
0.1%
|
|
| poverty and money is difficulty to find in the village | 2 |
0.2%
|
|
| poverty i do piecework | 1 |
0.1%
|
|
| rely on husband | 1 |
0.1%
|
|
| respondent is dependent on spouse | 1 |
0.1%
|
|
| right now my business has gone done. | 1 |
0.1%
|
|
| right now. I am not working to earn an income | 1 |
0.1%
|
|
| run a small business | 1 |
0.1%
|
|
| salary is too small | 1 |
0.1%
|
|
| saving money for the future | 1 |
0.1%
|
|
| school expenses | 1 |
0.1%
|
|
| school fees | 1 |
0.1%
|
|
| she doesn't have a job | 1 |
0.1%
|
|
| she doesn't have any money | 1 |
0.1%
|
|
| she doesn't work | 3 |
0.3%
|
|
| she has not been given such money by the husband | 1 |
0.1%
|
|
| she has through a lot of problems | 1 |
0.1%
|
|
| she hasn't given me yet and I used up everything she gave me last month. | 1 |
0.1%
|
|
| she is just waiting to harvest | 1 |
0.1%
|
|
| she is not employed | 1 |
0.1%
|
|
| she is too old to have her own money | 1 |
0.1%
|
|
| she uses the money for business | 1 |
0.1%
|
|
| she's poor | 1 |
0.1%
|
|
| she's said poor | 1 |
0.1%
|
|
| sick and can not work | 1 |
0.1%
|
|
| since I lost my husband things have been so bad for me | 1 |
0.1%
|
|
| since my income is nor regular am waiting for the next season. | 1 |
0.1%
|
|
| slow business | 1 |
0.1%
|
|
| social events | 1 |
0.1%
|
|
| sometimes money given to me is small | 1 |
0.1%
|
|
| spend alot of money for school | 1 |
0.1%
|
|
| spend for farming | 1 |
0.1%
|
|
| spend more in the past months | 1 |
0.1%
|
|
| spends it all | 1 |
0.1%
|
|
| standard of leaving | 1 |
0.1%
|
|
| still a pupil | 1 |
0.1%
|
|
| still a school going child | 1 |
0.1%
|
|
| still at college | 1 |
0.1%
|
|
| still at school | 2 |
0.2%
|
|
| still in school | 1 |
0.1%
|
|
| still schooling | 1 |
0.1%
|
|
| still. waiting for the crops yo be ready | 1 |
0.1%
|
|
| stopped business | 1 |
0.1%
|
|
| takes to the bank | 1 |
0.1%
|
|
| that's wen we starting the business because i had stopped some time back | 1 |
0.1%
|
|
| the amount is very small | 1 |
0.1%
|
|
| the area is far from the business center | 1 |
0.1%
|
|
| the business is very small so she cannot generate a lot of money from it | 1 |
0.1%
|
|
| the cost of doing business in Zambia is high | 1 |
0.1%
|
|
| the cost of living is to high for save and to have money as i wish | 1 |
0.1%
|
|
| the crops are not yet ready | 3 |
0.3%
|
|
| the crops are not yet ready for harvest | 1 |
0.1%
|
|
| the crops. are not ready | 1 |
0.1%
|
|
| the employer doesn't pay me on time | 1 |
0.1%
|
|
| the harvest was poor | 1 |
0.1%
|
|
| the income is not enough due to many children | 1 |
0.1%
|
|
| the income is too little | 1 |
0.1%
|
|
| the money I get is for house hold expenses | 1 |
0.1%
|
|
| the money I get is just for house hold expenses | 1 |
0.1%
|
|
| the money I get is little | 1 |
0.1%
|
|
| the money I get is not enough | 1 |
0.1%
|
|
| the money I get paid is too small | 1 |
0.1%
|
|
| the money from I obtain from farming activities is not enough due to poor yields | 1 |
0.1%
|
|
| the money given to me by my husband is what I use for business. | 1 |
0.1%
|
|
| the money he gets is not enough | 1 |
0.1%
|
|
| the money he used for household expenses | 1 |
0.1%
|
|
| the money is get i too little | 1 |
0.1%
|
|
| the money is not enough to save | 1 |
0.1%
|
|
| the money is used for every day expenses | 1 |
0.1%
|
|
| the money isnt enough | 1 |
0.1%
|
|
| the money mum gives me is just for school fees and not enough to save | 1 |
0.1%
|
|
| the money my husband gives me is not enough | 1 |
0.1%
|
|
| the money my husband gives me is too little | 1 |
0.1%
|
|
| the money us too litle | 1 |
0.1%
|
|
| the money we get from fishing is not constant | 1 |
0.1%
|
|
| the money we have is little and it goes in to the things we buy | 1 |
0.1%
|
|
| the one who gives me doesn't have money at the moment | 1 |
0.1%
|
|
| the problem is that we have no saving facilities here so the money we have we use it all | 1 |
0.1%
|
|
| the rainy season. has affected the burning of bricks | 1 |
0.1%
|
|
| the salary is not enough | 1 |
0.1%
|
|
| the work I do is seasonal | 1 |
0.1%
|
|
| there are no piece works | 1 |
0.1%
|
|
| there are no customers this time of the year | 1 |
0.1%
|
|
| there no piece works of late | 1 |
0.1%
|
|
| there's no work | 1 |
0.1%
|
|
| they had a lot of things pay for so they didn't have money of there on | 1 |
0.1%
|
|
| they haven't sent | 1 |
0.1%
|
|
| things are difficult | 1 |
0.1%
|
|
| things are not well | 1 |
0.1%
|
|
| things are really hard | 1 |
0.1%
|
|
| things are tough at the moment | 2 |
0.2%
|
|
| this is in a remote area so it's difficult to find money | 1 |
0.1%
|
|
| this is just when am thinking of opening an account, and most of the money I have I use it for my clothes | 1 |
0.1%
|
|
| this is my first appointment so the money I 've I use it to keep my family which is in ndola | 1 |
0.1%
|
|
| this is when I started working I didn't have a job of late | 1 |
0.1%
|
|
| this time most of the money have been invested in farming implements | 1 |
0.1%
|
|
| time | 1 |
0.1%
|
|
| time does not permit | 1 |
0.1%
|
|
| to get money here is the problem | 1 |
0.1%
|
|
| too can't work | 1 |
0.1%
|
|
| too old to find enough money | 1 |
0.1%
|
|
| too old to work | 2 |
0.2%
|
|
| u used it to pay for my son's school and transport | 1 |
0.1%
|
|
| use the money to buy farming inputs and expand my business | 1 |
0.1%
|
|
| use the money to pay school fees | 1 |
0.1%
|
|
| used all the money to buy farming inputs | 1 |
0.1%
|
|
| used for farming inputs | 1 |
0.1%
|
|
| used in the farming inputs | 1 |
0.1%
|
|
| used it for business | 1 |
0.1%
|
|
| used it for household expenses | 1 |
0.1%
|
|
| used the money for business | 1 |
0.1%
|
|
| used the money for farming | 1 |
0.1%
|
|
| used the money for medical expenses | 1 |
0.1%
|
|
| used the money i had to buy seeds | 1 |
0.1%
|
|
| used the money to buy farming inputs | 1 |
0.1%
|
|
| used the money. for funeral expenses | 1 |
0.1%
|
|
| used to buy farming inputs | 1 |
0.1%
|
|
| used to buy inputs | 1 |
0.1%
|
|
| used up all my money | 2 |
0.2%
|
|
| used up all my money, just waiting for my son to give me some money. | 1 |
0.1%
|
|
| uses the money to buy things to use for beer making and to pay for rent | 1 |
0.1%
|
|
| various household expences | 1 |
0.1%
|
|
| waiting for payments. | 1 |
0.1%
|
|
| waiting to be paid | 2 |
0.2%
|
|
| was arrested and my business suffered a loss | 1 |
0.1%
|
|
| we are building. a house | 1 |
0.1%
|
|
| we are new in this area | 1 |
0.1%
|
|
| we are poor | 1 |
0.1%
|
|
| we are yet to harvest | 1 |
0.1%
|
|
| we bought farm implements | 1 |
0.1%
|
|
| we did not harvest well | 1 |
0.1%
|
|
| we don't cultivate on a large scale | 1 |
0.1%
|
|
| we get money per season | 1 |
0.1%
|
|
| we have a lot of things to do | 1 |
0.1%
|
|
| we have invested in farming first | 1 |
0.1%
|
|
| we have not harvested | 1 |
0.1%
|
|
| we have not yet reaped what we soar,hence no income | 1 |
0.1%
|
|
| we have spent everything on farming | 1 |
0.1%
|
|
| we receive money seasonally so no money to save | 1 |
0.1%
|
|
| we use for farming | 1 |
0.1%
|
|
| we used it to buy fertilizer | 1 |
0.1%
|
|
| when it's rain season money is too hard to find | 1 |
0.1%
|
|
| when my husband died his relatives grabbed all the assets we had | 1 |
0.1%
|
|
| where can i find the money I'm not working | 1 |
0.1%
|
|
| with money, she gets food . | 1 |
0.1%
|
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.
Others
Notes
2.8b. What is the main reason for why you don't have money of your own? [Other (specify)]