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FinScope 2005, Financial Inclusion

Zambia, 2005
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Reference ID
ZMB_2005_FSDZ_v01_M
Producer(s)
Finmark Trust
Metadata
DDI/XML JSON
Created on
Dec 05, 2019
Last modified
Dec 05, 2019
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Data file: Zambia Finscope 2005 v1.0 Stata11

The 2005 FinScope survey data

Cases: 3998
Variables: 902

Variables

Prov
Province
District
District
Region
Region
SEA
Survey Enumerator Area (Cluster)
Gender
Gender of respondent
Age
Age of respondent
Total_hhsize
Total Household Size
HHsize_16p
Household size (16Yrs+)
HHsize_u16
Household size (Under 16Yrs+)
Q1
Behaviour with a large sum of money
Q1A
First thing to spend money on
Q2_1
Bank
Q2_2
Savings Account
Q2_3
Current Account
Q2_4
Debit Card
Q2_5
Credit Card
Q2_6
ATM / Cashpoint Card
Q2_7
Bank Charges / Service Fees
Q2_8
Profit
Q2_9
Insurance
Q2_10
Interest
Q2_11
Direct Debit
Q2_12
Investment
Q2_13
Funeral Fund
Q2_14
Premiums
Q2_15
Microfinance
Q2_16
Savings Clubs / Chilimba
Q2_17
Money Lenders / Kaloba
Q2_18
Terminal Benefits
Q2_19
Stock Exchange
Q2_20
NAPSA / Pension Plan
Q2_21
Exchange Rate
Q2_22
Tax
Q2_23
Shares
Q2_24
Asset
Q2_25
Standing Order
Q2_26
Swift Transfer
Q2_27
Direct Debit and Credit Clearing (DDACC)
Q2_28
Moneygram
Q3_1
Formal financial institions in Zambia - 1
Q3_2
Formal financial institions in Zambia - 2
Q3_3
Formal financial institions in Zambia - 3
Q3_4
Formal financial institions in Zambia - 4
Q3_5
Formal financial institions in Zambia - 5
Q3_6
Formal financial institions in Zambia - 6
Q3_7
Formal financial institions in Zambia - 7
Q3_8
Formal financial institions in Zambia - 8
Q3_9
Formal financial institions in Zambia - 9
Q3_10
Formal financial institions in Zambia - 10
Q3_11
Formal financial institions in Zambia - 11
Q3_12
Formal financial institions in Zambia - 12
Q3_13
Formal financial institions in Zambia - 13
Q3_14
Formal financial institions in Zambia - 14
Q3_15
Formal financial institions in Zambia - 15
Q4_1
Factors when opening an account - 1
Q4_2
Factors when opening an account - 2
Q4_3
Factors when opening an account - 3
Q4_4
Factors when opening an account - 4
Q4_5
Factors when opening an account - 5
Q4_6
Factors when opening an account - 6
Q4_7
Factors when opening an account - 7
Q4_8
Factors when opening an account - 8
Q4_9
Factors when opening an account - 9
Q4_10
Factors when opening an account - 10
Q5_1
ATM / Cashpoint Card
Q5_2
Debit Card / Connect Card
Q5_3
Current / Cheque Account
Q5_4
Savings Account
Q5_5
Fixed Deposit Account
Q5_6
Visa Electron Account
Q5_7
24 Hours Call Account
Q5_8
Unit Trust Account
Q5_9
High Interest Savings Account
Q5_10
US Dollar / Foreign Currency Account
Q5_11
Bank Account outside of Zambia
Q5_12
Credit Card
Q5_13
Bank overdraft
Q5_14
Standing Order
Q5_15
ddacc
Q5_16
RTGS (Real Time Gross Settlement)
Q5_17
Swift Transfer
Q5_18
Celpay
Q6
Bank status of respondent
Q7_1
Reasons for not having a bank account - 1
Q7_2
Reasons for not having a bank account - 2
Q7_3
Reasons for not having a bank account - 3
Q7_4
Reasons for not having a bank account - 4
Q7_5
Reasons for not having a bank account - 5
Q7_6
Reasons for not having a bank account - 6
Q7_7
Reasons for not having a bank account - 7
Q7_8
Reasons for not having a bank account - 8
Q7_9
Reasons for not having a bank account - 9
Q7_10
Reasons for not having a bank account - 10
Q8
Use somebody else's bank account
Q9_1
Do you do any of the following at a bank? - 1
Q9_2
Do you do any of the following at a bank? - 2
Q9_3
Do you do any of the following at a bank? - 3
Q10_1
Banking Transactions normally carried out by respondent - 1
Q10_2
Banking Transactions normally carried out by respondent - 2
Q10_3
Banking Transactions normally carried out by respondent - 3
Q10_4
Banking Transactions normally carried out by respondent - 4
Q10_5
Banking Transactions normally carried out by respondent - 5
Q10_6
Banking Transactions normally carried out by respondent - 6
Q10_7
Banking Transactions normally carried out by respondent - 7
Q10_8
Banking Transactions normally carried out by respondent - 8
Q11a1
Ways in which CASH WITHDRAWALS are carried out - 1
Q11a2
Ways in which CASH WITHDRAWALS are carried out - 2
Q11b1
Ways in which CASH DEPOSITS are carried out - 1
Q11b2
Ways in which CASH DEPOSITS are carried out - 2
Q11c1
Ways in which CHEQUE DEPOSITS are carried out - 1
Q11c2
Ways in which CHEQUE DEPOSITS are carried out - 2
Q11d1
Ways in which CASH A CHEQUE are carried out - 1
Q11f1
Ways in which MONEY TRANSFERS BETWEEN OWN BANK ACCOUNTS are carried out - 1
Q11f2
Ways in which MONEY TRANSFERS BETWEEN OWN BANK ACCOUNTS are carried out - 2
Q11g1
Ways in which MONEY TRANSFER TO ANOTHER PERSON'S BANK ACCOUNT are carried out -
Q11g2
Ways in which MONEY TRANSFER TO ANOTHER PERSON'S BANK ACCOUNT are carried out -
Q11g3
Ways in which MONEY TRANSFER TO ANOTHER PERSON'S BANK ACCOUNT are carried out -
Q11h1
Ways in which DRAW A MANAGERS/BANKERS CHEQUE are carried out - 1
Q12_1
Banks having personally any form of account - 1
Q12_2
Banks having personally any form of account - 2
Q12_3
Banks having personally any form of account - 3
Q12_4
Banks having personally any form of account - 4
Q13
Main bank
Q14_1
Means of transport - 1
Q14_2
Means of transport - 2
Q14_3
Means of transport - 3
Q14_4
Means of transport - 4
Q15
Cost of public transport
Q16
Time spent to get to the bank
Q17
Financial service from a microfinance institution
Q18_1
Microfinance institution - 1
Q18_2
Microfinance institution - 2
Q18_3
Microfinance institution - 3
Q18_4
Microfinance institution - 4
Q18_5
Microfinance institution - 5
Q19_1_1
You have to pay Bank Charges / Service Fees - 1
Q19_1_2
You have to pay Bank Charges / Service Fees - 2
Q19_1_3
You have to pay Bank Charges / Service Fees - 3
Q19_1_4
You have to pay Bank Charges / Service Fees - 4
Q19_1_5
You have to pay Bank Charges / Service Fees - 5
Q19_1_6
You have to pay Bank Charges / Service Fees - 6
Q19_2_1
The interest they charge on loans is very high - 1
Q19_2_2
The interest they charge on loans is very high - 2
Q19_2_3
The interest they charge on loans is very high - 3
Q19_2_4
The interest they charge on loans is very high - 4
Q19_2_5
The interest they charge on loans is very high - 5
Q19_2_6
The interest they charge on loans is very high - 6
Q19_3_1
They make quick decisions if you want a loan - 1
Q19_3_2
They make quick decisions if you want a loan - 2
Q19_3_3
They make quick decisions if you want a loan - 3
Q19_3_4
They make quick decisions if you want a loan - 4
Q19_3_5
They make quick decisions if you want a loan - 5
Q19_3_6
They make quick decisions if you want a loan - 6
Q19_4_1
You need credit references - 1
Q19_4_2
You need credit references - 2
Q19_4_3
You need credit references - 3
Q19_4_4
You need credit references - 4
Q19_4_5
You need credit references - 5
Q19_4_6
You need credit references - 6
Q19_5_1
You need to have a pay-slip to open an account - 1
Q19_5_2
You need to have a pay-slip to open an account - 2
Q19_5_3
You need to have a pay-slip to open an account - 3
Q19_5_4
You need to have a pay-slip to open an account - 4
Q19_5_5
You need to have a pay-slip to open an account - 5
Q19_5_6
You need to have a pay-slip to open an account - 6
Q19_6_1
You do not need to have an identity document - 1
Q19_6_2
You do not need to have an identity document - 2
Q19_6_3
You do not need to have an identity document - 3
Q19_6_4
You do not need to have an identity document - 4
Q19_6_5
You do not need to have an identity document - 5
Q19_6_6
You do not need to have an identity document - 6
Q19_7_1
You must have a permanent address - 1
Q19_7_2
You must have a permanent address - 2
Q19_7_3
You must have a permanent address - 3
Q19_7_4
You must have a permanent address - 4
Q19_7_5
You must have a permanent address - 5
Q19_7_6
You must have a permanent address - 6
Q19_8_1
They are too far away from where I live, work or usually go to - 1
Q19_8_2
They are too far away from where I live, work or usually go to - 2
Q19_8_3
They are too far away from where I live, work or usually go to - 3
Q19_8_4
They are too far away from where I live, work or usually go to - 4
Q19_8_5
They are too far away from where I live, work or usually go to - 5
Q19_8_6
They are too far away from where I live, work or usually go to - 6
Q19_9
They have too few ATMs / cashpoints
Q19_10_1
They have too few branches - 1
Q19_10_2
They have too few branches - 2
Q19_10_3
They have too few branches - 3
Q19_10_4
They have too few branches - 4
Q19_10_5
They have too few branches - 5
Q19_10_6
They have too few branches - 6
Q19_11_1
They have low returns on investment / low interests on savings - 1
Q19_11_2
They have low returns on investment / low interests on savings - 2
Q19_11_3
They have low returns on investment / low interests on savings - 3
Q19_11_4
They have low returns on investment / low interests on savings - 4
Q19_11_5
They have low returns on investment / low interests on savings - 5
Q19_11_6
They have low returns on investment / low interests on savings - 6
Q19_12_1
It is difficult to withdraw money - 1
Q19_12_2
It is difficult to withdraw money - 2
Q19_12_3
It is difficult to withdraw money - 3
Q19_12_4
It is difficult to withdraw money - 4
Q19_12_5
It is difficult to withdraw money - 5
Q19_12_6
It is difficult to withdraw money - 6
Q19_13_1
They force you to keep a minimum balance - 1
Q19_13_2
They force you to keep a minimum balance - 2
Q19_13_3
They force you to keep a minimum balance - 3
Q19_13_4
They force you to keep a minimum balance - 4
Q19_13_5
They force you to keep a minimum balance - 5
Q19_14_1
You cannot borrow small amounts - 1
Q19_14_2
You cannot borrow small amounts - 2
Q19_14_3
You cannot borrow small amounts - 3
Q19_14_4
You cannot borrow small amounts - 4
Q19_14_5
You cannot borrow small amounts - 5
Q19_14_6
You cannot borrow small amounts - 6
Q19_15_1
Their staff are very helpful - 1
Q19_15_2
Their staff are very helpful - 2
Q19_15_3
Their staff are very helpful - 3
Q19_15_4
Their staff are very helpful - 4
Q19_15_5
Their staff are very helpful - 5
Q19_15_6
Their staff are very helpful - 6
Q19_16_1
Their staff are very understanding - 1
Q19_16_2
Their staff are very understanding - 2
Q19_16_3
Their staff are very understanding - 3
Q19_16_4
Their staff are very understanding - 4
Q19_16_5
Their staff are very understanding - 5
Q19_16_6
Their staff are very understanding - 6
Q19_17_1
Their service is too slow - 1
Q19_17_2
Their service is too slow - 2
Q19_17_3
Their service is too slow - 3
Q19_17_4
Their service is too slow - 4
Q19_17_5
Their service is too slow - 5
Q19_18_1
Their staff take time to explain to people their obligations - 1
Q19_18_2
Their staff take time to explain to people their obligations - 2
Q19_18_3
Their staff take time to explain to people their obligations - 3
Q19_18_4
Their staff take time to explain to people their obligations - 4
Q19_18_5
Their staff take time to explain to people their obligations - 5
Q19_18_6
Their staff take time to explain to people their obligations - 6
Q19_19_1
They have information brochures available to the public - 1
Q19_19_2
They have information brochures available to the public - 2
Q19_19_3
They have information brochures available to the public - 3
Q19_19_4
They have information brochures available to the public - 4
Q19_19_5
They have information brochures available to the public - 5
Q19_19_6
They have information brochures available to the public - 6
Q19_20_1
They give you regular updates about key events / new products - 1
Q19_20_2
They give you regular updates about key events / new products - 2
Q19_20_3
They give you regular updates about key events / new products - 3
Q19_20_4
They give you regular updates about key events / new products - 4
Q19_20_5
They give you regular updates about key events / new products - 5
Q19_20_6
They give you regular updates about key events / new products - 6
Q19_21
Their technology e.g. ATMs / cashpoints can be difficult to use
Q19_22_1
You understand how their products e.g. savings, credit and loans, work - 1
Q19_22_2
You understand how their products e.g. savings, credit and loans, work - 2
Q19_22_3
You understand how their products e.g. savings, credit and loans, work - 3
Q19_22_4
You understand how their products e.g. savings, credit and loans, work - 4
Q19_22_5
You understand how their products e.g. savings, credit and loans, work - 5
Q19_22_6
You understand how their products e.g. savings, credit and loans, work - 6
Q19_23_1
You are satisfied with their service - 1
Q19_23_2
You are satisfied with their service - 2
Q19_23_3
You are satisfied with their service - 3
Q19_23_4
You are satisfied with their service - 4
Q19_23_5
You are satisfied with their service - 5
Q19_23_6
You are satisfied with their service - 6
Q19_24_1
You trust them - 1
Q19_24_2
You trust them - 2
Q19_24_3
You trust them - 3
Q19_24_4
You trust them - 4
Q19_24_5
You trust them - 5
Q19_24_6
You trust them - 6
Q19_25_1
The hours they open are very convenient - 1
Q19_25_2
The hours they open are very convenient - 2
Q19_25_3
The hours they open are very convenient - 3
Q19_25_4
The hours they open are very convenient - 4
Q19_25_5
The hours they open are very convenient - 5
Q19_25_6
The hours they open are very convenient - 6
Q19_26_1
They accept small transactions - 1
Q19_26_2
They accept small transactions - 2
Q19_26_3
They accept small transactions - 3
Q19_26_4
They accept small transactions - 4
Q19_26_5
They accept small transactions - 5
Q19_26_6
They accept small transactions - 6
Q19_27_1
They are your ideal financial service provider - 1
Q19_27_2
They are your ideal financial service provider - 2
Q19_27_3
They are your ideal financial service provider - 3
Q19_27_4
They are your ideal financial service provider - 4
Q19_27_5
They are your ideal financial service provider - 5
Q19_27_6
They are your ideal financial service provider - 6
Q20_1
You shop around for the best interest rates
Q20_2
You can easily live your life without having a bank account
Q20_3
Taking loans should be avoided as much as possible
Q20_4
When it comes to money you trust your own experience/knowledge rather than the a
Q20_5
If you save and invest regularly, eventually the small amounts will mount up and
Q20_6
In times of need you would rather deal with people you know than with a large or
Q20_7
You would prefer to save money for a long-term goal with an insurance company
Q20_8
You would rather deal face to face with a person than with an electronic device,
Q20_9
Banks force you to use technology
Q20_10
When it comes to money young people know more than older people
Q20_11
You are prepared to pay more money to have someone you trust handle your money
Q20_12
Most services offered by banks are also available from other people
Q20_13
You often think you would like to start your own business but can't get credit /
Q20_14
You do not trust informal associations like savings clubs / chilimbas
Q20_15
You are prepared to learn how to use new technology
Total: 902
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