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)
Created on
Oct 16, 2019
Last modified
Oct 16, 2019
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- zmb-zambia-finscope-2015-v1.1-stata11
5.3. What is the main reason why you have not borrowed money? [Other (specify)] (Q5_3_oth_s)
Data file: zmb-zambia-finscope-2015-v1.1-stata11
Overview
Valid:
719
Type:
Discrete
Start:
2727
End:
2846
Width:
120
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| A Christian is not suppose to follo | 1 |
0.1%
|
|
| Afraid of borrowing money | 1 |
0.1%
|
|
| All the expenses are paid my. mum | 1 |
0.1%
|
|
| Am afraid of borrowing | 2 |
0.3%
|
|
| Am afraid of debts | 1 |
0.1%
|
|
| Am sacred. of being taken to the police | 1 |
0.1%
|
|
| Am scared of being embarrassed and going to the police | 1 |
0.1%
|
|
| Am scared of being pressure | 1 |
0.1%
|
|
| Am scared of being put in prison | 1 |
0.1%
|
|
| Am scared of borrowing money | 1 |
0.1%
|
|
| Am still a school boy so no need for me | 1 |
0.1%
|
|
| Am still owing | 1 |
0.1%
|
|
| Am. a pupil don't earn an income | 1 |
0.1%
|
|
| Avoiding credits. | 1 |
0.1%
|
|
| Banks don't give out loans | 1 |
0.1%
|
|
| Because I don't work to pay back the debt | 1 |
0.1%
|
|
| Because I have my own source of getting my own fund | 1 |
0.1%
|
|
| Borrowing can draw you back | 1 |
0.1%
|
|
| Borrowing is not good so I would rather not borrow money | 1 |
0.1%
|
|
| Debts are so inconveniencing | 1 |
0.1%
|
|
| Did not want to borrow | 1 |
0.1%
|
|
| Didn't have to borrow money as his just been kept by the parents | 1 |
0.1%
|
|
| Didn't need to borrow money | 1 |
0.1%
|
|
| Didn't see any reason to | 1 |
0.1%
|
|
| Do not have income | 1 |
0.1%
|
|
| Do not have stable income | 1 |
0.1%
|
|
| Doesn't believe in borrowing, she's scared of borrowing | 1 |
0.1%
|
|
| Doesn't want to be put in pressure in case he fails to pay the money | 1 |
0.1%
|
|
| Don't have expenses | 1 |
0.1%
|
|
| Don't have money to pay back | 2 |
0.3%
|
|
| Don't have money to pay back. | 1 |
0.1%
|
|
| Don't have where to borrow from | 1 |
0.1%
|
|
| Don't like borrowing | 1 |
0.1%
|
|
| Don't want | 1 |
0.1%
|
|
| Don't want problems with people | 1 |
0.1%
|
|
| Don't want to be trobled | 1 |
0.1%
|
|
| Fear of where to get the money to pay back | 1 |
0.1%
|
|
| God provides for my needs | 1 |
0.1%
|
|
| Had a debt that they were still paying back | 1 |
0.1%
|
|
| Have nowhere to get the money to pay back. | 1 |
0.1%
|
|
| He didn't any any institution to borrow money from | 1 |
0.1%
|
|
| He doesn't have money to pay back! | 1 |
0.1%
|
|
| I Dont think its good to borrowing money | 1 |
0.1%
|
|
| I am afraid of debts | 1 |
0.1%
|
|
| I am just kept by my parents so they provide all my needs | 1 |
0.1%
|
|
| I am not used to borrowing money. | 1 |
0.1%
|
|
| I am scared of being jailed | 1 |
0.1%
|
|
| I am scared of borrowing | 1 |
0.1%
|
|
| I am scared of borrowing because I would not be able to pay back because I don't work | 1 |
0.1%
|
|
| I am scared of talking to people | 1 |
0.1%
|
|
| I am still paying back the other loan | 1 |
0.1%
|
|
| I avoid quarrels with the owner of the money | 1 |
0.1%
|
|
| I can end up in jail | 1 |
0.1%
|
|
| I can only borrow when I am facing a problem | 1 |
0.1%
|
|
| I can't borrow. I dnt know how to pay it back | 1 |
0.1%
|
|
| I can't manage to pay back my debt if I borrowed | 1 |
0.1%
|
|
| I cant | 1 |
0.1%
|
|
| I did borrow money | 1 |
0.1%
|
|
| I did not just want to borrow money. | 1 |
0.1%
|
|
| I did not want to borrow money | 1 |
0.1%
|
|
| I didn't have money | 1 |
0.1%
|
|
| I didn't have problems and no where to borrow money | 1 |
0.1%
|
|
| I didn't need any money for me to borrow | 1 |
0.1%
|
|
| I didn't want to borrow | 1 |
0.1%
|
|
| I didn't want to borrow money | 1 |
0.1%
|
|
| I didn't want to credit | 1 |
0.1%
|
|
| I didnt need have what to do with it | 1 |
0.1%
|
|
| I difficulty to pay back borrowed money | 1 |
0.1%
|
|
| I dnt like borrowing | 1 |
0.1%
|
|
| I dnt work | 1 |
0.1%
|
|
| I do borrow when I have a challenge | 1 |
0.1%
|
|
| I do not feel good to borrow money | 1 |
0.1%
|
|
| I do not work so I can't | 1 |
0.1%
|
|
| I do piece works | 1 |
0.1%
|
|
| I don't Like Borrowing money | 1 |
0.1%
|
|
| I don't believe in borrowing | 1 |
0.1%
|
|
| I don't believe much in borowing | 1 |
0.1%
|
|
| I don't borrow money when I'm able go buy cash | 1 |
0.1%
|
|
| I don't have a reason | 1 |
0.1%
|
|
| I don't have a reason. | 1 |
0.1%
|
|
| I don't have a source for me to pay back credit so I would rather not borrow | 1 |
0.1%
|
|
| I don't have a source of income | 1 |
0.1%
|
|
| I don't have a source of income that would help me pay back | 1 |
0.1%
|
|
| I don't have a source of income which can assist pay back | 1 |
0.1%
|
|
| I don't have a source to help me pay back | 1 |
0.1%
|
|
| I don't have a stable job | 1 |
0.1%
|
|
| I don't have a strong business for me to pay debts if I was to borrow money | 1 |
0.1%
|
|
| I don't have an income am just a dependant | 1 |
0.1%
|
|
| I don't have an income to pay back if I borrow money | 1 |
0.1%
|
|
| I don't have any problems that can cause me to borrow | 1 |
0.1%
|
|
| I don't have anyone to borrow from and if my sister doesn't give me money on time I would fail to pay it back if I borro | 1 |
0.1%
|
|
| I don't have emergencies to take of | 1 |
0.1%
|
|
| I don't have enough money | 1 |
0.1%
|
|
| I don't have interest to borrow | 1 |
0.1%
|
|
| I don't have money | 1 |
0.1%
|
|
| I don't have money to pay back | 1 |
0.1%
|
|
| I don't have money to pay back because I don't work | 1 |
0.1%
|
|
| I don't have money to pay back debt | 1 |
0.1%
|
|
| I don't have much use of the money I can borrow | 1 |
0.1%
|
|
| I don't have plans to use that borrowed money | 1 |
0.1%
|
|
| I don't have use of money that I would get on credit | 1 |
0.1%
|
|
| I don't have were to get the money to pay back | 1 |
0.1%
|
|
| I don't have where to borrow | 2 |
0.3%
|
|
| I don't have where to borrow from | 1 |
0.1%
|
|
| I don't have where to borrow money | 1 |
0.1%
|
|
| I don't have where to get money when I borrow to pay back | 1 |
0.1%
|
|
| I don't have. a job so I can't borrow money | 1 |
0.1%
|
|
| I don't have. income | 1 |
0.1%
|
|
| I don't know | 1 |
0.1%
|
|
| I don't know where I can borrow from | 1 |
0.1%
|
|
| I don't like borrowing | 2 |
0.3%
|
|
| I don't like borrowing and no one to lend me money here | 1 |
0.1%
|
|
| I don't like borrowing and people don't lend money here | 1 |
0.1%
|
|
| I don't like borrowing and use se the money i have | 1 |
0.1%
|
|
| I don't like borrowing because I was not brought up like that | 1 |
0.1%
|
|
| I don't like borrowing i have no means to pay back the money | 1 |
0.1%
|
|
| I don't like borrowing it disturbs my plan | 1 |
0.1%
|
|
| I don't like borrowing when i can buy cash | 1 |
0.1%
|
|
| I don't like credit | 1 |
0.1%
|
|
| I don't like debts | 1 |
0.1%
|
|
| I don't like having debt | 1 |
0.1%
|
|
| I don't like it | 1 |
0.1%
|
|
| I don't like that habit | 1 |
0.1%
|
|
| I don't like to borrow. | 1 |
0.1%
|
|
| I don't make enough money | 1 |
0.1%
|
|
| I don't manage to pay on time due to lack of money when tje payment period is due | 1 |
0.1%
|
|
| I don't need to unless I want to invest the money | 1 |
0.1%
|
|
| I don't need to, I get money from my aunt | 1 |
0.1%
|
|
| I don't trust or believe in getting money on credit | 1 |
0.1%
|
|
| I don't want problems | 1 |
0.1%
|
|
| I don't want to argue with the owner of the money | 1 |
0.1%
|
|
| I don't want to be arrested by the owner of the money if I fail to pay | 1 |
0.1%
|
|
| I don't want to be arrested for failure of payments | 1 |
0.1%
|
|
| I don't want to be embarrassed by the owner of the money | 1 |
0.1%
|
|
| I don't want to be embraced when it's due and I don't money to pay | 1 |
0.1%
|
|
| I don't want to be in problems | 1 |
0.1%
|
|
| I don't want to be jailed | 2 |
0.3%
|
|
| I don't want to be troubling people | 1 |
0.1%
|
|
| I don't want to borrow | 1 |
0.1%
|
|
| I don't want to burden myself with debts | 1 |
0.1%
|
|
| I don't want to have unfulfilled debts | 1 |
0.1%
|
|
| I don't want to put my self in problems | 1 |
0.1%
|
|
| I don't want to put pressure on myself because I can't manage to pay back debts | 1 |
0.1%
|
|
| I don't want to start quarrel with the owner of the money incase I fail to pay | 1 |
0.1%
|
|
| I don't work | 4 |
0.6%
|
|
| I dont want to be in problems. | 1 |
0.1%
|
|
| I dont work | 1 |
0.1%
|
|
| I engage myself in diverse farming activities so i rarely fall short to the extent of borrowing | 1 |
0.1%
|
|
| I fear getting arrested incase I don't manage to pay back in time | 1 |
0.1%
|
|
| I fear to be taken to courts because of debts | 1 |
0.1%
|
|
| I fear to borrow money | 1 |
0.1%
|
|
| I get enough money from my business | 1 |
0.1%
|
|
| I had already had outstanding debt the previous year after last year and I had enough money to sustain me so I opted not | 1 |
0.1%
|
|
| I had enough money to buy whatever I wanted | 1 |
0.1%
|
|
| I had money there was no need of dorrowing | 1 |
0.1%
|
|
| I had no expenses in the past 12 months | 1 |
0.1%
|
|
| I had nothing in need to borrow money for | 1 |
0.1%
|
|
| I had nowhere to go. | 1 |
0.1%
|
|
| I hate borrowing because I'm forgetful | 1 |
0.1%
|
|
| I hate to be bothered | 1 |
0.1%
|
|
| I have a business which sustains my needs | 1 |
0.1%
|
|
| I have a loan running | 1 |
0.1%
|
|
| I have been controlling my needs | 1 |
0.1%
|
|
| I have been using the money that I had | 1 |
0.1%
|
|
| I have enough for my exspense | 1 |
0.1%
|
|
| I have enough money for my own | 1 |
0.1%
|
|
| I have money | 2 |
0.3%
|
|
| I have money to pay back | 1 |
0.1%
|
|
| I have never borrowed | 1 |
0.1%
|
|
| I have never. experienced such financial. problems to the extent if borrowing | 1 |
0.1%
|
|
| I have no constant supply of money, so I can't borrow money | 1 |
0.1%
|
|
| I have no income | 1 |
0.1%
|
|
| I have no job | 1 |
0.1%
|
|
| I have no money to pay back | 1 |
0.1%
|
|
| I have no one to borrow from. | 1 |
0.1%
|
|
| I have no reason | 2 |
0.3%
|
|
| I have not encountered any problem which requires borrowing money. | 1 |
0.1%
|
|
| I have not yet found the right conditions for me to borrow in terms of repayment terms | 1 |
0.1%
|
|
| I have nothing to use it for | 1 |
0.1%
|
|
| I have nowhere to get the money to pay back | 1 |
0.1%
|
|
| I have other resources i get money from | 1 |
0.1%
|
|
| I have seen a lot of people suffer when they get loans from certain institutions people lose a lot of property if they f | 1 |
0.1%
|
|
| I is difficult to find someone to lend you money | 1 |
0.1%
|
|
| I just didnt want to | 1 |
0.1%
|
|
| I just don't like borrowing | 1 |
0.1%
|
|
| I just don't. want | 1 |
0.1%
|
|
| I know i don't have income so i can't borrow | 1 |
0.1%
|
|
| I might be arrested if I fail to pay | 1 |
0.1%
|
|
| I might be jailed if I fail to pay | 1 |
0.1%
|
|
| I must have big reason why am want to borrow money | 1 |
0.1%
|
|
| I never faced any problem that required me to borrow money | 1 |
0.1%
|
|
| I not involved in households finational expenses | 1 |
0.1%
|
|
| I owe money | 1 |
0.1%
|
|
| I rely more on my business than getting money from people | 1 |
0.1%
|
|
| I scared of being put in jail | 1 |
0.1%
|
|
| I scared of borrowing because am afraid I might fail to pay back | 1 |
0.1%
|
|
| I scared of problems that come with borrowing, cause I don't have a consistent cashflow | 1 |
0.1%
|
|
| I sold my cow. | 1 |
0.1%
|
|
| I use my savings. | 1 |
0.1%
|
|
| I want. pay. back. the money. I owe someone | 1 |
0.1%
|
|
| I wanted peace of mind | 1 |
0.1%
|
|
| I was ill | 1 |
0.1%
|
|
| I was scared of borrowing | 1 |
0.1%
|
|
| I was still owing | 1 |
0.1%
|
|
| I was working and I was saving money | 1 |
0.1%
|
|
| I weighed my self wether I should borrow or not | 1 |
0.1%
|
|
| I'm a student | 1 |
0.1%
|
|
| I'm able to feed my family with the money i get | 1 |
0.1%
|
|
| I'm able to manage my expenses | 1 |
0.1%
|
|
| I'm able to manage my exspense with the money i have | 1 |
0.1%
|
|
| I'm cared to pay back | 1 |
0.1%
|
|
| I'm doing my own business | 1 |
0.1%
|
|
| I'm not working | 2 |
0.3%
|
|
| I'm not working and no money of my own | 1 |
0.1%
|
|
| I'm not working and not where you borrow money | 1 |
0.1%
|
|
| I'm not working and still at school | 1 |
0.1%
|
|
| I'm poor | 2 |
0.3%
|
|
| I'm scared of borrowing | 1 |
0.1%
|
|
| I'm scared to pay back | 1 |
0.1%
|
|
| It depends with how your day is because I get money from piecework and I am managing on my own at the moment | 1 |
0.1%
|
|
| It's better to look for money than borrowing. | 1 |
0.1%
|
|
| It's hard to pay back money after getting a debt and just doesn't like borrowing money | 1 |
0.1%
|
|
| Just don't want to borrow money from anyone | 1 |
0.1%
|
|
| Looking at my level I can't manage to borrow money cause of my struggles | 1 |
0.1%
|
|
| No any reason | 1 |
0.1%
|
|
| No capacity to pay back | 1 |
0.1%
|
|
| No income | 1 |
0.1%
|
|
| No reason | 6 |
0.8%
|
|
| No specific reason..I've learned to live within my means | 1 |
0.1%
|
|
| Not a good idea | 1 |
0.1%
|
|
| Not allowed to pay interest according to his religion It'd forbidden | 1 |
0.1%
|
|
| Not interested | 4 |
0.6%
|
|
| Not interested. | 2 |
0.3%
|
|
| Nothing | 4 |
0.6%
|
|
| Our status is better now | 1 |
0.1%
|
|
| People around don't give money they would rather give goods then u pay later than money | 1 |
0.1%
|
|
| People don't lend money to others in her community | 1 |
0.1%
|
|
| People don't respect persons who borrow money from them. | 1 |
0.1%
|
|
| Refused to tell | 1 |
0.1%
|
|
| Respondent avoids borrowing at all costs | 1 |
0.1%
|
|
| Respondent does not like to borrow | 1 |
0.1%
|
|
| Respondent doesn't like borrowing | 1 |
0.1%
|
|
| Respondent has debt in terms. of money she has to give to a business partner for a deal gone wrong. but has not borrowed | 1 |
0.1%
|
|
| Respondent is being supported by her parents so she can't afford to borrow | 1 |
0.1%
|
|
| Scared of borrowing money just | 1 |
0.1%
|
|
| Scared of borrowing. | 1 |
0.1%
|
|
| Secured of being pressured when paying back | 1 |
0.1%
|
|
| Secured of harassment. | 1 |
0.1%
|
|
| Sometimes I manage to get the things I want than borrowing money | 1 |
0.1%
|
|
| The interest is too much when paying back. | 1 |
0.1%
|
|
| The last time i borrowed i got into a fight with the person i borrowed money from | 1 |
0.1%
|
|
| The need is not for | 1 |
0.1%
|
|
| The owner may want the money when you don't have | 1 |
0.1%
|
|
| There are things that are involved in terms of collaterral | 1 |
0.1%
|
|
| To avoid quarreling with the owner of the money | 1 |
0.1%
|
|
| Was not interested. | 1 |
0.1%
|
|
| Will sell property if I want money | 1 |
0.1%
|
|
| Would fall to pay back | 1 |
0.1%
|
|
| afraid | 2 |
0.3%
|
|
| afraid could not pay back | 1 |
0.1%
|
|
| afraid of being jailed | 1 |
0.1%
|
|
| afraid of borrowing | 2 |
0.3%
|
|
| afraid of the disgrace of borrowing | 1 |
0.1%
|
|
| all my needs are being provided to me by my brother inlaw | 1 |
0.1%
|
|
| always gets from parents when in need | 1 |
0.1%
|
|
| am able to manage most things | 1 |
0.1%
|
|
| am afraid I might fail to pay back | 1 |
0.1%
|
|
| am afraid because i might not have when the time comes for me to pay back | 1 |
0.1%
|
|
| am afraid may fail to pay back | 1 |
0.1%
|
|
| am afraid of accumulating debts. | 1 |
0.1%
|
|
| am afraid of borrowing | 1 |
0.1%
|
|
| am afraid of getting arrested when I fail to repay money | 1 |
0.1%
|
|
| am afraid of trouble | 1 |
0.1%
|
|
| am afraid the person am owing money can embarance | 1 |
0.1%
|
|
| am aged. | 1 |
0.1%
|
|
| am alone I manage | 1 |
0.1%
|
|
| am not a fan. if borrowing money | 1 |
0.1%
|
|
| am not used to borrow money from anyone | 1 |
0.1%
|
|
| am not working am still at school | 1 |
0.1%
|
|
| am not working and don't have an income, my parents cover all my expenses | 1 |
0.1%
|
|
| am not working still attending school | 1 |
0.1%
|
|
| am not young to borrow | 1 |
0.1%
|
|
| am scared | 3 |
0.4%
|
|
| am scared of being in debt | 1 |
0.1%
|
|
| am scared of borrowing | 6 |
0.8%
|
|
| am scared of borrowing money | 2 |
0.3%
|
|
| am scared of borrowing, | 1 |
0.1%
|
|
| am scared of failing to pay back | 2 |
0.3%
|
|
| am scared of failing to payback | 2 |
0.3%
|
|
| am scared of problems | 1 |
0.1%
|
|
| am still at attending school | 1 |
0.1%
|
|
| am still in school | 1 |
0.1%
|
|
| am still paying back the loan got from a lending institution | 1 |
0.1%
|
|
| am still young and am at school | 1 |
0.1%
|
|
| am too old to borrow money | 1 |
0.1%
|
|
| am trying to build and save up money and borrowing is more expensive than saving | 1 |
0.1%
|
|
| am used to borrowing | 1 |
0.1%
|
|
| an afraid of borrowing | 1 |
0.1%
|
|
| avoid problems | 2 |
0.3%
|
|
| avoiding problems | 1 |
0.1%
|
|
| avoids what comes next of fail to pay | 1 |
0.1%
|
|
| because I do not have my own income | 1 |
0.1%
|
|
| because I do things at my own ability | 1 |
0.1%
|
|
| because I don't work | 1 |
0.1%
|
|
| because I have outstanding debt that am paying for | 1 |
0.1%
|
|
| because I save | 1 |
0.1%
|
|
| because I started working | 1 |
0.1%
|
|
| because am not working | 1 |
0.1%
|
|
| because his brother peovides for him | 1 |
0.1%
|
|
| because i don't earn an income | 1 |
0.1%
|
|
| because i don't work | 2 |
0.3%
|
|
| because i had money | 1 |
0.1%
|
|
| because i save money if any happens that need money to be sorted out | 1 |
0.1%
|
|
| because of sickness that I have | 1 |
0.1%
|
|
| because she hasn't done any big project that will need a lot of money for borrowing. | 1 |
0.1%
|
|
| because there was nobody to lend us money | 1 |
0.1%
|
|
| blacklisted | 1 |
0.1%
|
|
| borrow only when I have priblems | 1 |
0.1%
|
|
| borrowed and paid back last year | 1 |
0.1%
|
|
| borrowing | 1 |
0.1%
|
|
| borrowing deprives people of their freedom | 1 |
0.1%
|
|
| borrowing does not solve your problems | 1 |
0.1%
|
|
| borrowing is a pull back | 1 |
0.1%
|
|
| borrowing is bad. | 1 |
0.1%
|
|
| borrowing is embarrassing at times | 1 |
0.1%
|
|
| borrowing makes you poor | 1 |
0.1%
|
|
| borrowing money always brings problems because when you go to a microfinance institution they ask for an asset to hold o | 1 |
0.1%
|
|
| borrowing money brings about shame | 1 |
0.1%
|
|
| business sometimes is hard so when you borrow it becomes a problem to pay | 1 |
0.1%
|
|
| by then he was working | 1 |
0.1%
|
|
| can manage with what I have | 1 |
0.1%
|
|
| can not manage to pay back | 1 |
0.1%
|
|
| can't get because I don't have. an income to pa back | 1 |
0.1%
|
|
| can't manage to pay back | 1 |
0.1%
|
|
| cannot borrow because he is in school | 1 |
0.1%
|
|
| cause am currently in school . | 1 |
0.1%
|
|
| credit is for people who work. | 1 |
0.1%
|
|
| credits can be embrancing | 1 |
0.1%
|
|
| debt is very embarrassing and it puts people under pressure | 1 |
0.1%
|
|
| did not have a lot of pressures which needed money | 1 |
0.1%
|
|
| did not have any emergency at home in order for me to borrow money | 1 |
0.1%
|
|
| did not have any emergency that needed money. | 1 |
0.1%
|
|
| did not have any emergency which needed me to borrow money. | 1 |
0.1%
|
|
| did not have any serious emergency at home that needed me to borrow money | 1 |
0.1%
|
|
| did not have pressure to borrow | 1 |
0.1%
|
|
| did not need it | 2 |
0.3%
|
|
| did not need to borrow money | 1 |
0.1%
|
|
| did. not need to borrow | 1 |
0.1%
|
|
| didn't did to borrow | 1 |
0.1%
|
|
| didn't have anything to use it for | 1 |
0.1%
|
|
| didn't have major expenses that needed a lot of money | 1 |
0.1%
|
|
| didn't have plans to use the money for. | 1 |
0.1%
|
|
| didn't know where to get money | 1 |
0.1%
|
|
| didn't not want | 1 |
0.1%
|
|
| do not need to borrow any money because I do not have a use for me to generate an income | 1 |
0.1%
|
|
| does not earn any income is still at school | 1 |
0.1%
|
|
| does not have an income | 1 |
0.1%
|
|
| does not like borrowing money | 1 |
0.1%
|
|
| does not want | 2 |
0.3%
|
|
| doesn't fancy borrowing | 1 |
0.1%
|
|
| doesn't have a reason to borrow money | 1 |
0.1%
|
|
| doesn't have a source of income to pay back | 1 |
0.1%
|
|
| doesn't like being troubled by other people when debt is due | 1 |
0.1%
|
|
| doesn't like borrowing | 2 |
0.3%
|
|
| don't | 1 |
0.1%
|
|
| don't believe in borrowing | 1 |
0.1%
|
|
| don't believe in borrowing money | 1 |
0.1%
|
|
| don't borrow because my husband gives me | 1 |
0.1%
|
|
| don't fill comfortable | 1 |
0.1%
|
|
| don't have enough money | 3 |
0.4%
|
|
| don't have money to pay back | 3 |
0.4%
|
|
| don't have where to borrow | 1 |
0.1%
|
|
| don't have where to borrow. | 1 |
0.1%
|
|
| don't have. an income | 1 |
0.1%
|
|
| don't know | 1 |
0.1%
|
|
| don't know when they will have money to pay back | 1 |
0.1%
|
|
| don't know where to borrow money. | 1 |
0.1%
|
|
| don't like borowing | 1 |
0.1%
|
|
| don't like borrowing | 1 |
0.1%
|
|
| don't like borrowing and its hard to pay back | 1 |
0.1%
|
|
| don't like borrowing and l avoid problems | 1 |
0.1%
|
|
| don't like. | 1 |
0.1%
|
|
| don't need the money | 1 |
0.1%
|
|
| don't need to borrow have my own money | 1 |
0.1%
|
|
| don't really have expenses that needs a lot of money | 1 |
0.1%
|
|
| don't trust people | 1 |
0.1%
|
|
| don't want to be embarrassed | 1 |
0.1%
|
|
| don't want to borrow | 1 |
0.1%
|
|
| don't want to lose their pride | 1 |
0.1%
|
|
| don't want to put myself in the same state. | 1 |
0.1%
|
|
| don't work | 2 |
0.3%
|
|
| dont have money to pay back | 1 |
0.1%
|
|
| dont know what to use the money for | 1 |
0.1%
|
|
| dont like borowing | 1 |
0.1%
|
|
| every thing is provided to me so there is no need of me borrowing | 1 |
0.1%
|
|
| everything is provided no need to borrow | 1 |
0.1%
|
|
| facilities are too far | 1 |
0.1%
|
|
| fair | 1 |
0.1%
|
|
| fear of being arrested and harassed | 1 |
0.1%
|
|
| fear of being harrased | 1 |
0.1%
|
|
| fear of not being able to pay back | 1 |
0.1%
|
|
| fear of what can happen If she can't pay back | 1 |
0.1%
|
|
| fear to be jailed. | 1 |
0.1%
|
|
| fear to pay back | 1 |
0.1%
|
|
| fears not being able to pay back | 1 |
0.1%
|
|
| for family purposes | 1 |
0.1%
|
|
| for peace of mind | 1 |
0.1%
|
|
| for the sake of peace | 1 |
0.1%
|
|
| had a house project to complete so did not have enough money to return if I had to borrow | 1 |
0.1%
|
|
| had money from farming input. | 1 |
0.1%
|
|
| had money to cover expenses. | 1 |
0.1%
|
|
| had no job security | 1 |
0.1%
|
|
| had no money | 1 |
0.1%
|
|
| had nothing pressuring me. | 1 |
0.1%
|
|
| had nothing to do with it | 1 |
0.1%
|
|
| had people to help him do had no need to borrow | 1 |
0.1%
|
|
| had saved some money for emergency purposes already . | 1 |
0.1%
|
|
| had savings to cover up expenses. | 1 |
0.1%
|
|
| had savings to help him,that's why didn't borrow. | 1 |
0.1%
|
|
| have no use for the money I can borrow | 1 |
0.1%
|
|
| have nothing pressing me. | 1 |
0.1%
|
|
| have nothing that want money | 1 |
0.1%
|
|
| have nowhere to borrow from. | 1 |
0.1%
|
|
| have nowhere to borrow money from. | 1 |
0.1%
|
|
| have nowhere to go. | 1 |
0.1%
|
|
| have own money | 1 |
0.1%
|
|
| have savings at the bank | 1 |
0.1%
|
|
| have some money we keep | 1 |
0.1%
|
|
| he borrowed | 1 |
0.1%
|
|
| he dint have plans to borrow | 1 |
0.1%
|
|
| he doesn't work | 1 |
0.1%
|
|
| he wants. to pay back the money. he owes. someone | 1 |
0.1%
|
|
| her husband gives her money | 1 |
0.1%
|
|
| here in my village people don't give money unless u get goods | 1 |
0.1%
|
|
| here people the don't like to lend money | 1 |
0.1%
|
|
| i do have my own money sometimes. so i don't rush to borrowing | 1 |
0.1%
|
|
| i don't have income | 1 |
0.1%
|
|
| i don't know | 1 |
0.1%
|
|
| i don't want trouble | 1 |
0.1%
|
|
| i dont like borowing for fear of being unable to pay back on time | 1 |
0.1%
|
|
| i dont like borrowing | 2 |
0.3%
|
|
| i had access to cash | 1 |
0.1%
|
|
| i just trust my farming business which keeps me and my family | 1 |
0.1%
|
|
| i usually have | 1 |
0.1%
|
|
| i' ve borrowed money | 1 |
0.1%
|
|
| i'm still young | 1 |
0.1%
|
|
| if I borrowed I would have no guaranty of paying back | 1 |
0.1%
|
|
| if I keep borrow ing I won't be able to save | 1 |
0.1%
|
|
| if u borrow u may end up flossing the money u have worked for and I am content with the money I have | 1 |
0.1%
|
|
| it better to borrow where you know that you will find big interest. | 1 |
0.1%
|
|
| it brings a lot of problems | 1 |
0.1%
|
|
| it brings embarancement | 1 |
0.1%
|
|
| it brings enemity | 1 |
0.1%
|
|
| it brings enmity | 1 |
0.1%
|
|
| it brings so many problems | 1 |
0.1%
|
|
| it can be difficult at times | 1 |
0.1%
|
|
| it is currently unnecessary for Me to do that | 1 |
0.1%
|
|
| it is hard to pay back | 1 |
0.1%
|
|
| it pulls us behind. because the money is not usually used for the intended purpose | 1 |
0.1%
|
|
| it saves me from pressure | 1 |
0.1%
|
|
| it's embarrassing | 1 |
0.1%
|
|
| it's less expensive to pay for something than to borrow | 1 |
0.1%
|
|
| it's no good to borrow money that ,i can not pay back | 1 |
0.1%
|
|
| it's to have my own means than. to borrow | 1 |
0.1%
|
|
| just avoiding | 1 |
0.1%
|
|
| just didn't think of | 1 |
0.1%
|
|
| just didn't want | 1 |
0.1%
|
|
| just doesn't like it | 1 |
0.1%
|
|
| just doesn't want to | 1 |
0.1%
|
|
| just don't want | 1 |
0.1%
|
|
| just don't want borrow | 1 |
0.1%
|
|
| just given wat we need | 1 |
0.1%
|
|
| know reason | 7 |
1%
|
|
| know reasons | 1 |
0.1%
|
|
| kubvutika kwa munthu | 1 |
0.1%
|
|
| l Don,t like borrowing | 1 |
0.1%
|
|
| l Don,t like borrowing money | 1 |
0.1%
|
|
| l hand money to use in the pass 12months | 1 |
0.1%
|
|
| manage without borrowing | 1 |
0.1%
|
|
| money is not used much in this area | 1 |
0.1%
|
|
| my brother inlaw does everything for me | 1 |
0.1%
|
|
| my elder brother usually helps me | 1 |
0.1%
|
|
| my grandma provides for me | 1 |
0.1%
|
|
| my husband provides every thing | 1 |
0.1%
|
|
| my income is not enough to sustain these institutions | 1 |
0.1%
|
|
| my parents give me money so if I borrow and they don't give me, I might not be able to pay | 1 |
0.1%
|
|
| my salary takes long to come | 1 |
0.1%
|
|
| needed to pay off debt to be relieved off old debt | 1 |
0.1%
|
|
| no NRC | 1 |
0.1%
|
|
| no financial. access | 1 |
0.1%
|
|
| no interest in borrowing | 1 |
0.1%
|
|
| no means of paying back | 1 |
0.1%
|
|
| no means of paying back. | 1 |
0.1%
|
|
| no money | 1 |
0.1%
|
|
| no money to pay off the debt , it's difficult to find money in the village | 1 |
0.1%
|
|
| no need | 3 |
0.4%
|
|
| no need to | 1 |
0.1%
|
|
| no need to borrow money. money has to be borrowed when there's need | 1 |
0.1%
|
|
| no need to do that cause dad covers all my expenses | 1 |
0.1%
|
|
| no one can give me | 1 |
0.1%
|
|
| no one lends money in my area | 1 |
0.1%
|
|
| no one to borrow from | 1 |
0.1%
|
|
| no paying back means | 1 |
0.1%
|
|
| no permanent source income to meet debts deadlines | 1 |
0.1%
|
|
| no reason | 12 |
1.7%
|
|
| no reason at all | 1 |
0.1%
|
|
| no reason, I just didn't borrow | 1 |
0.1%
|
|
| no source of income to be sure of paying back | 1 |
0.1%
|
|
| no time for that | 1 |
0.1%
|
|
| no urgent issue to sort out | 1 |
0.1%
|
|
| no use for borrowed money | 1 |
0.1%
|
|
| no use of it | 1 |
0.1%
|
|
| no where to borrow | 1 |
0.1%
|
|
| no where to borrow from | 2 |
0.3%
|
|
| no where to borrow money here we they same | 1 |
0.1%
|
|
| not enough pressure to push me to borrow | 1 |
0.1%
|
|
| not have money to pay for the things | 1 |
0.1%
|
|
| not interested. | 1 |
0.1%
|
|
| not the right habit | 1 |
0.1%
|
|
| not used | 2 |
0.3%
|
|
| not used to borrowing | 1 |
0.1%
|
|
| not working | 3 |
0.4%
|
|
| nothing | 17 |
2.4%
|
|
| nothing. | 1 |
0.1%
|
|
| nowhere to borrow money and people here don't lend money | 1 |
0.1%
|
|
| nowhere to borrow money people here are poor | 1 |
0.1%
|
|
| only borrowed from farming company NWK but has paid back and is managing through selling of livestock | 1 |
0.1%
|
|
| other people want to grab your properties if you have not paid back the debt, I don't want to be embarrassed | 1 |
0.1%
|
|
| others don't know how to talk. | 1 |
0.1%
|
|
| people don't give money unless u get goods | 1 |
0.1%
|
|
| people don't lend here | 1 |
0.1%
|
|
| people don't lend money here | 2 |
0.3%
|
|
| people don't lend money here poverty | 1 |
0.1%
|
|
| people don't lend money someone who's not working like me | 1 |
0.1%
|
|
| people here don't lend money | 1 |
0.1%
|
|
| people refuse in this area to assist me | 1 |
0.1%
|
|
| people to give me credit are not applicable | 1 |
0.1%
|
|
| people who lends money are aggressive | 1 |
0.1%
|
|
| person you borrowing money and when paying back they want interest | 1 |
0.1%
|
|
| poverty | 2 |
0.3%
|
|
| rely on the money I recieve | 1 |
0.1%
|
|
| respondent fears to be heavy in debt | 1 |
0.1%
|
|
| scared | 5 |
0.7%
|
|
| scared of the outcome | 1 |
0.1%
|
|
| scared of been arrested | 2 |
0.3%
|
|
| scared of being harrased if she doesn't pay back | 1 |
0.1%
|
|
| scared of being locked by the police wn I fell to pay | 1 |
0.1%
|
|
| scared of borrowing | 3 |
0.4%
|
|
| scared of borrowing money | 1 |
0.1%
|
|
| scared of divisions | 1 |
0.1%
|
|
| scared of not being able to pay back | 1 |
0.1%
|
|
| scared of paying back. I dnt have money the money I get is very little | 1 |
0.1%
|
|
| scared of problems | 2 |
0.3%
|
|
| scared of tentions | 1 |
0.1%
|
|
| scared wouldn't be able to pay back | 1 |
0.1%
|
|
| she borrowed. | 1 |
0.1%
|
|
| she couldn't borrow because she had the money she needed at that particular moment | 1 |
0.1%
|
|
| she did not want to borrow | 1 |
0.1%
|
|
| she does work | 1 |
0.1%
|
|
| she doesn't get a salary | 1 |
0.1%
|
|
| she doesn't know | 1 |
0.1%
|
|
| she doesn't like borrowing. | 1 |
0.1%
|
|
| she doesn't to borrow money | 1 |
0.1%
|
|
| she doesn't want not interested | 1 |
0.1%
|
|
| she doesn't want to borrow from any one | 1 |
0.1%
|
|
| she doesn't work | 1 |
0.1%
|
|
| she doesn't work so she can't borrow | 1 |
0.1%
|
|
| she don't need it | 1 |
0.1%
|
|
| she has no where to borrow from | 1 |
0.1%
|
|
| she is scared of owing money | 1 |
0.1%
|
|
| she just dont like to borrow money | 1 |
0.1%
|
|
| she would rather work for the money than borrow it | 1 |
0.1%
|
|
| she's able to meet her need | 1 |
0.1%
|
|
| she. keeps. her. savings | 1 |
0.1%
|
|
| some people have bad manners such that they can disclose you when you miss a date | 1 |
0.1%
|
|
| sometime it really hates when you can't pay at an agreed date | 1 |
0.1%
|
|
| still a pupil | 1 |
0.1%
|
|
| still at school | 2 |
0.3%
|
|
| still have outstanding debt. | 1 |
0.1%
|
|
| still owe people money | 1 |
0.1%
|
|
| still pay. some loan I got | 1 |
0.1%
|
|
| still paying other loan | 1 |
0.1%
|
|
| still schooling | 1 |
0.1%
|
|
| still servicing debt borrowed before last 12 months | 1 |
0.1%
|
|
| the end result of paying back | 1 |
0.1%
|
|
| the fear of paying back they will take me to the police | 1 |
0.1%
|
|
| the is not enough to be borrowing | 1 |
0.1%
|
|
| the little I find is able to manage me | 1 |
0.1%
|
|
| the main reason is that we have savings so we don't need to borrow. | 1 |
0.1%
|
|
| the money i get from my selling is enough for me | 1 |
0.1%
|
|
| the process delays | 1 |
0.1%
|
|
| then was getting an income | 1 |
0.1%
|
|
| there IS no need to borrow as i had things under control | 1 |
0.1%
|
|
| there are no pressing issues for me to borrow | 1 |
0.1%
|
|
| there is no money in my village | 1 |
0.1%
|
|
| there is no one to borrow from | 1 |
0.1%
|
|
| there is no respect. in borrowing | 1 |
0.1%
|
|
| there is not much security | 1 |
0.1%
|
|
| there was no need of borrowing | 1 |
0.1%
|
|
| there was no one to lend me money | 1 |
0.1%
|
|
| these days unless you top up. | 1 |
0.1%
|
|
| they do not have anyone who they cab borrow from or help them | 1 |
0.1%
|
|
| they is a delayment in paying our salarys | 1 |
0.1%
|
|
| they just don't. want to borrow | 1 |
0.1%
|
|
| thinks borrowing is not good. | 1 |
0.1%
|
|
| to avoid embarancement | 1 |
0.1%
|
|
| to avoid misunderstanding | 1 |
0.1%
|
|
| to avoid problems | 1 |
0.1%
|
|
| trying to avoid debts | 1 |
0.1%
|
|
| used her holding money in the house | 1 |
0.1%
|
|
| used to get from FINCA but not anymore because someone on her group still owes | 1 |
0.1%
|
|
| was busy schooling | 1 |
0.1%
|
|
| we don t people who can borrow you money in our community. | 1 |
0.1%
|
|
| we don't know were to borrow money to use to generate more profit | 1 |
0.1%
|
|
| we mostly get money from our own farm produce | 1 |
0.1%
|
|
| where I was supposed to borrow. is not around | 1 |
0.1%
|
|
| would rather rely on savings than borrow money | 1 |
0.1%
|
|
| wouldn't be able to pay back | 2 |
0.3%
|
|
| you can borrow if you know where to get money to pay back | 1 |
0.1%
|
|
| you dont like borrowing | 1 |
0.1%
|
|
| you find that the owner of the money will want his or her money when you don't have | 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.