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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- Data files
- zmb-zambia-finscope-2015-v1.1-stata11
5.5. Main reason for borrowing from lender (biggest loan) [Other (specify)] (Q5_5_oth_s)
Data file: zmb-zambia-finscope-2015-v1.1-stata11
Overview
Valid:
304
Type:
Discrete
Start:
2959
End:
3078
Width:
120
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| A friend took me there. | 1 |
0.3%
|
|
| All alternatives failed | 1 |
0.3%
|
|
| Because I dont work. | 1 |
0.3%
|
|
| Because I had enough money | 1 |
0.3%
|
|
| Because I liked the clothes | 1 |
0.3%
|
|
| Because my friend wont trouble me too much | 1 |
0.3%
|
|
| Because of their good relationship | 1 |
0.3%
|
|
| Building project is big. They give big loan | 1 |
0.3%
|
|
| Comfortable | 1 |
0.3%
|
|
| Don't know the terms and conditions of other lenders. | 1 |
0.3%
|
|
| Food | 1 |
0.3%
|
|
| For an emergency | 1 |
0.3%
|
|
| For emergency use so I quickly withdrew. money when I need some | 1 |
0.3%
|
|
| For home use | 1 |
0.3%
|
|
| For medical expenses | 1 |
0.3%
|
|
| For paying school fees. | 1 |
0.3%
|
|
| For. Transport to go to a funeral | 1 |
0.3%
|
|
| Funeral Expenses | 1 |
0.3%
|
|
| Had experienced a problem and I needed fast money to help me go through my problems | 1 |
0.3%
|
|
| Had to get something for my family | 1 |
0.3%
|
|
| He is very understanding | 1 |
0.3%
|
|
| I didn't have enough money so I borrowed some from my friend because I trust him | 1 |
0.3%
|
|
| I didn't have enough so I needed extra | 1 |
0.3%
|
|
| I didn't have money | 1 |
0.3%
|
|
| I didn't have money for household use | 1 |
0.3%
|
|
| I didn't have money to buy cash | 1 |
0.3%
|
|
| I don't know where to borrow from. | 1 |
0.3%
|
|
| I don't. have. food | 1 |
0.3%
|
|
| I got something from her which I had to pay for it | 1 |
0.3%
|
|
| I had a lot of problems | 1 |
0.3%
|
|
| I had a small problem to sought out | 1 |
0.3%
|
|
| I had an emergency | 1 |
0.3%
|
|
| I had an emergency so I needed fast money | 1 |
0.3%
|
|
| I had interest to use the goods | 1 |
0.3%
|
|
| I had no one in mind. | 1 |
0.3%
|
|
| I had no other places to borrow from | 1 |
0.3%
|
|
| I had not yet joined the institutions like banks or Finca | 1 |
0.3%
|
|
| I had to order some stocks | 1 |
0.3%
|
|
| I just needed money at that time | 1 |
0.3%
|
|
| I needed to sort school fees for school going children. | 1 |
0.3%
|
|
| I overspend my salary so got forced to borrow from family members. | 1 |
0.3%
|
|
| I wanted a lot of money that friends could not give | 1 |
0.3%
|
|
| I wanted to but my clothes | 1 |
0.3%
|
|
| I wanted to buy a dress | 1 |
0.3%
|
|
| I wanted to buy fertilizer | 1 |
0.3%
|
|
| I wanted to buy food and other stuffs for my house household | 1 |
0.3%
|
|
| I wanted to go for further study | 1 |
0.3%
|
|
| I wanted to pay for my medical expenses | 1 |
0.3%
|
|
| I wanted to pay for my school fees | 1 |
0.3%
|
|
| I wanted to pay school fees for My children | 1 |
0.3%
|
|
| I wanted to raise money for a Chillimba contributions | 1 |
0.3%
|
|
| I wanted to something when I had run of money | 1 |
0.3%
|
|
| I wanted. to use it at home because I had. no money | 1 |
0.3%
|
|
| I was going through problems so wanted fast money | 1 |
0.3%
|
|
| I was in need of money | 1 |
0.3%
|
|
| I was in pressures | 1 |
0.3%
|
|
| I was licking farming inputs | 1 |
0.3%
|
|
| I wash short of money | 1 |
0.3%
|
|
| Just helped me | 1 |
0.3%
|
|
| None | 1 |
0.3%
|
|
| Not applicable | 1 |
0.3%
|
|
| Nothing | 1 |
0.3%
|
|
| Saving group's constitution says everyone must borrow. | 1 |
0.3%
|
|
| She borrows small amounts so she can't got to the bank or others | 1 |
0.3%
|
|
| They are very helpful | 1 |
0.3%
|
|
| They don't allow getting credit from the Bank. | 1 |
0.3%
|
|
| To boost production and to pay of outstanding debts | 1 |
0.3%
|
|
| To build | 1 |
0.3%
|
|
| To buy building materials | 1 |
0.3%
|
|
| To expand the business | 1 |
0.3%
|
|
| To start a business | 1 |
0.3%
|
|
| Top up money to buy some goods | 1 |
0.3%
|
|
| Tried all the villages the only person who was willing to give them stays "mwa Bulozi" so they had no choice but to walk | 1 |
0.3%
|
|
| a form of fundraising at church | 1 |
0.3%
|
|
| adding on rentals | 1 |
0.3%
|
|
| am familiar with the person | 1 |
0.3%
|
|
| because I was in need of it | 1 |
0.3%
|
|
| because I work there and they understood my situation | 1 |
0.3%
|
|
| because he knows me | 1 |
0.3%
|
|
| because of poverty | 1 |
0.3%
|
|
| because she is my close friend | 1 |
0.3%
|
|
| because that is where i save | 1 |
0.3%
|
|
| because we live in the same community we can help each other | 1 |
0.3%
|
|
| bought food | 1 |
0.3%
|
|
| building | 1 |
0.3%
|
|
| business | 1 |
0.3%
|
|
| buy fertilizer | 1 |
0.3%
|
|
| can borrow a lot of money | 1 |
0.3%
|
|
| capital for business | 1 |
0.3%
|
|
| cause no interest was charged | 1 |
0.3%
|
|
| daily needs | 1 |
0.3%
|
|
| domestic problem | 1 |
0.3%
|
|
| domestic problems | 1 |
0.3%
|
|
| don't have money for business | 1 |
0.3%
|
|
| don't know | 1 |
0.3%
|
|
| don't know how to get a loan from the bank | 1 |
0.3%
|
|
| don't know where else to borrow | 1 |
0.3%
|
|
| don't know where else to borrow money. | 1 |
0.3%
|
|
| exam fees | 1 |
0.3%
|
|
| fair lending rates | 1 |
0.3%
|
|
| favorite. | 1 |
0.3%
|
|
| fineral | 1 |
0.3%
|
|
| for construction of the house | 1 |
0.3%
|
|
| for farming purposes | 1 |
0.3%
|
|
| for funeral expenses | 1 |
0.3%
|
|
| for home consumption such as food and groceries. | 1 |
0.3%
|
|
| for home use | 1 |
0.3%
|
|
| for household use | 2 |
0.7%
|
|
| for lotion | 1 |
0.3%
|
|
| for personal use | 1 |
0.3%
|
|
| for school expenses | 1 |
0.3%
|
|
| for school fees | 4 |
1.3%
|
|
| for school tutions | 1 |
0.3%
|
|
| for the business | 1 |
0.3%
|
|
| for transport money | 1 |
0.3%
|
|
| for. personal use | 1 |
0.3%
|
|
| friends always helps respondents family | 1 |
0.3%
|
|
| funeral expenses | 1 |
0.3%
|
|
| get a plot | 1 |
0.3%
|
|
| good relationship | 1 |
0.3%
|
|
| had a funeral | 1 |
0.3%
|
|
| had a problem | 1 |
0.3%
|
|
| had a problem to solve | 1 |
0.3%
|
|
| had a problem to sort out | 1 |
0.3%
|
|
| had an emergency so I needed fast money | 1 |
0.3%
|
|
| had no food stuffs at home | 1 |
0.3%
|
|
| had no money | 1 |
0.3%
|
|
| had no options but borrow from kaloba. | 1 |
0.3%
|
|
| had no other choice | 1 |
0.3%
|
|
| had nothing at home | 2 |
0.7%
|
|
| had to go to church camp meetings | 1 |
0.3%
|
|
| hard no were to get money from | 1 |
0.3%
|
|
| have a relationship with the lender | 1 |
0.3%
|
|
| have to pay for my younger brothers school | 1 |
0.3%
|
|
| he can't really trouble me when it comes to paying | 1 |
0.3%
|
|
| he don't have money | 1 |
0.3%
|
|
| he gives me enough time to pay back the money | 1 |
0.3%
|
|
| he is kind and he would understand if I have a problem | 1 |
0.3%
|
|
| he is my relative | 1 |
0.3%
|
|
| he is the only person who had the amount of money I wanted | 1 |
0.3%
|
|
| he wanted to buy a tv | 1 |
0.3%
|
|
| he was the only one I could run to | 1 |
0.3%
|
|
| he was the only one who can help | 1 |
0.3%
|
|
| he was the only one willing to lend me money | 1 |
0.3%
|
|
| he's the one who had the money | 1 |
0.3%
|
|
| her husband got sick | 1 |
0.3%
|
|
| his good hearted | 1 |
0.3%
|
|
| home use | 1 |
0.3%
|
|
| house use | 1 |
0.3%
|
|
| household expenses | 1 |
0.3%
|
|
| i got clothes from my friend and am paying but bit by bit | 1 |
0.3%
|
|
| i wanted to pay for the plot in chibombo | 1 |
0.3%
|
|
| i wanted to top up pay for school | 1 |
0.3%
|
|
| i wanted to use as transport | 1 |
0.3%
|
|
| i was sick so i used for treatment | 1 |
0.3%
|
|
| in order to pay sofas and school fees | 1 |
0.3%
|
|
| it is common here, that's where we borrow money from. | 1 |
0.3%
|
|
| it wad used as transport for someone who came to visit us I didn't have ready cash | 1 |
0.3%
|
|
| it was faster as i did not have to apply | 1 |
0.3%
|
|
| it was school fees for my child | 1 |
0.3%
|
|
| it was used from transport | 1 |
0.3%
|
|
| it's a very helpful organization that helps its members | 1 |
0.3%
|
|
| it's safe | 1 |
0.3%
|
|
| its the only source in our village were i can get money on credit | 1 |
0.3%
|
|
| just for home consumption | 1 |
0.3%
|
|
| just to get by with | 1 |
0.3%
|
|
| lacked some necessities | 1 |
0.3%
|
|
| left some balance to pay to chilimba where I belonged | 1 |
0.3%
|
|
| medication | 1 |
0.3%
|
|
| mpindu | 1 |
0.3%
|
|
| my brother is helpful | 1 |
0.3%
|
|
| my child was sick | 1 |
0.3%
|
|
| my family member was sick | 2 |
0.7%
|
|
| my friends understand my needs | 1 |
0.3%
|
|
| needed money to pay for something | 1 |
0.3%
|
|
| needed to buy something.. | 1 |
0.3%
|
|
| needed to get somethings | 1 |
0.3%
|
|
| needed to use at home | 1 |
0.3%
|
|
| no good reason but because of living hardships | 1 |
0.3%
|
|
| no reason just wanted money | 1 |
0.3%
|
|
| none | 4 |
1.3%
|
|
| nothing | 3 |
1%
|
|
| onot one available at the time | 1 |
0.3%
|
|
| paid rental | 1 |
0.3%
|
|
| pay for bride price | 1 |
0.3%
|
|
| paying school fees for the nephew | 1 |
0.3%
|
|
| poverty | 2 |
0.7%
|
|
| problems | 1 |
0.3%
|
|
| quickest access to goods | 1 |
0.3%
|
|
| really wanted the good she had to pay for later | 1 |
0.3%
|
|
| rent | 2 |
0.7%
|
|
| school fees | 8 |
2.6%
|
|
| school payment | 1 |
0.3%
|
|
| she didn't borrowing | 1 |
0.3%
|
|
| she was sick | 1 |
0.3%
|
|
| sick mother inlaw | 1 |
0.3%
|
|
| something unexpected came up | 1 |
0.3%
|
|
| that is what was available | 1 |
0.3%
|
|
| that's the only source of getting money on credit that I I know in this area | 1 |
0.3%
|
|
| that's what he wanted | 1 |
0.3%
|
|
| thats where mummy gets money | 1 |
0.3%
|
|
| the bank had to give me the amount I wanted | 1 |
0.3%
|
|
| the friend had the money. | 1 |
0.3%
|
|
| the friend is lenient | 1 |
0.3%
|
|
| the general of the brother | 1 |
0.3%
|
|
| the money i needed was to small | 1 |
0.3%
|
|
| the money i wanted too small | 1 |
0.3%
|
|
| the need was high.. I had borrow huge sums of money | 1 |
0.3%
|
|
| the one I know | 1 |
0.3%
|
|
| the relationship is good | 1 |
0.3%
|
|
| there was no food at home | 1 |
0.3%
|
|
| there was something I wanted to buy | 1 |
0.3%
|
|
| they are the one's who had money | 1 |
0.3%
|
|
| they don't get property when we fail to pay | 1 |
0.3%
|
|
| they had no food in the house | 1 |
0.3%
|
|
| they had the items which impressed them | 1 |
0.3%
|
|
| they just brought then I borrowed | 1 |
0.3%
|
|
| they knew we had a problem | 1 |
0.3%
|
|
| they the ones that could help at that time | 1 |
0.3%
|
|
| they understand my needs | 1 |
0.3%
|
|
| they wanted to solve some problems | 1 |
0.3%
|
|
| they were the only ones available | 1 |
0.3%
|
|
| they were the only ones who could assist me | 1 |
0.3%
|
|
| things became taff at home. | 1 |
0.3%
|
|
| to add on to the purchasing of my fertilizer | 1 |
0.3%
|
|
| to buy a plot | 1 |
0.3%
|
|
| to buy charcoal | 1 |
0.3%
|
|
| to buy charcoal and mealie meal | 1 |
0.3%
|
|
| to buy clothes | 1 |
0.3%
|
|
| to buy clothing | 1 |
0.3%
|
|
| to buy food | 3 |
1%
|
|
| to buy food for my house hold | 1 |
0.3%
|
|
| to buy lotion | 1 |
0.3%
|
|
| to buy seed | 2 |
0.7%
|
|
| to expand my business | 1 |
0.3%
|
|
| to gets floor mats from him | 1 |
0.3%
|
|
| to help me do my wedding | 1 |
0.3%
|
|
| to help us get get empowered financially | 1 |
0.3%
|
|
| to invest in the business | 1 |
0.3%
|
|
| to invest in the farming business | 1 |
0.3%
|
|
| to me with my farming activities | 1 |
0.3%
|
|
| to pay for education | 1 |
0.3%
|
|
| to pay for school fees | 2 |
0.7%
|
|
| to top up on school fees | 1 |
0.3%
|
|
| to use it for something | 1 |
0.3%
|
|
| to use it to clear rentals | 1 |
0.3%
|
|
| to use the borrowed money as my transport | 1 |
0.3%
|
|
| transport | 2 |
0.7%
|
|
| transport money | 1 |
0.3%
|
|
| transportation | 2 |
0.7%
|
|
| trying to see how it works | 1 |
0.3%
|
|
| understanding | 1 |
0.3%
|
|
| uniforms for children | 1 |
0.3%
|
|
| urgent need | 1 |
0.3%
|
|
| use it for transportation | 1 |
0.3%
|
|
| wanted to buy a pen | 1 |
0.3%
|
|
| wanted to buy a phone | 1 |
0.3%
|
|
| wanted to buy a vehicle for transport | 1 |
0.3%
|
|
| wanted to buy seed | 1 |
0.3%
|
|
| wanted to buy something | 1 |
0.3%
|
|
| wanted to buy something when had no money | 1 |
0.3%
|
|
| wanted to raise wedding contributions | 1 |
0.3%
|
|
| was brock | 1 |
0.3%
|
|
| was building a house | 1 |
0.3%
|
|
| was in a group that was with finca | 1 |
0.3%
|
|
| was stranded | 1 |
0.3%
|
|
| was the only available source | 1 |
0.3%
|
|
| wasn't working | 1 |
0.3%
|
|
| we buying something | 1 |
0.3%
|
|
| we credit our selves | 1 |
0.3%
|
|
| we didn't have transport money to go to the hospital when i was due | 1 |
0.3%
|
|
| we don't borrow because our parents provide for us | 1 |
0.3%
|
|
| we had a funeral our relative died | 1 |
0.3%
|
|
| we had nothing at home | 1 |
0.3%
|
|
| we had some family financial pressure | 1 |
0.3%
|
|
| we have a better understanding | 1 |
0.3%
|
|
| we know and understand each other | 1 |
0.3%
|
|
| we were in need of cash | 1 |
0.3%
|
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.