FinScope 2009, Financial Inclusion
Zambia, 2009
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Dec 05, 2019
Last modified
Dec 05, 2019
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- Data files
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Zambia Finscope
2009 v1.0
Stata11
S9Q2D.2: Reasons why people often do not have a bank account or use b (S9Q2D_2)
Data file: Zambia Finscope 2009 v1.0 Stata11
Overview
Valid:
941
Invalid:
3059
Type:
Discrete
Decimal:
0
Start:
1724
End:
1725
Width:
2
Range:
-9 - 19
Format:
Numeric
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| -9 | Missing Data | 0 |
0%
|
| 1 | Does not need it - Insufficient or no money coming it to justify it | 0 |
0%
|
| 2 | Income coming in, but insufficient balance after expenses | 199 |
21.1%
|
| 3 | Cannot maintain the minimum balance | 248 |
26.4%
|
| 4 | Bank service charges are too high | 93 |
9.9%
|
| 5 | Banks are too far away or transport too difficult | 119 |
12.6%
|
| 6 | Banking hours are not convenient | 3 |
0.3%
|
| 7 | Does not have an ID document or salary slip or letter from the Chief to be able to open an account | 15 |
1.6%
|
| 8 | Does not understand how banks work | 85 |
9%
|
| 9 | Does not understand the financial language used in banks | 11 |
1.2%
|
| 10 | Does not know how to apply | 27 |
2.9%
|
| 11 | Does not understand benefits from having a bank account | 25 |
2.7%
|
| 12 | Does not trust banks | 5 |
0.5%
|
| 13 | Bank accounts are not for people like 'me' | 45 |
4.8%
|
| 14 | Fears embarrassment or refusals | 4 |
0.4%
|
| 15 | Banks do not provide the products or services needed | 4 |
0.4%
|
| 16 | Can get services needed elsewhere in the community | 2 |
0.2%
|
| 17 | Need permission of someone else to open it | 8 |
0.9%
|
| 18 | Other specify | 44 |
4.7%
|
| 19 | Does not know | 4 |
0.4%
|
| Sysmiss | 3059 |
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.