Zambian Financial Diaries Project 2015

Zambia, 2014 - 2015

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zmb-fsdz-zfdp-2015-v1

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Financial Sector Deepening Zambia, Microfinance Opportunities

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Financial Sector Deepening Zambia

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Mar 05, 2017

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May 16, 2020

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Data file: Zambian Financial Diaries Project 2015 Cross-Section Anonymised V1.0

This file contains data generated by the household survey questionnaire of the Zambian Financial Diaries Project.

Variables:	498

Variables

HHID

RespID

Respondent ID

hh_interviewid

Interview ID

hh_gender

2.1 Gender

hh_age

2.2 Age

hh_num_people

2.3 People in home/compound

hh_num_under18

2.4 Number HH members under 18

hh_marital_status

2.5 Marital status

hh_house_own

3.1 Ownership of dwelling

hh_house_own_other

3.1 Ownership of dwelling (other)

hh_house_how_obtain

3.2 How was dwelling obtained

hh_house_obtain_fin

3.3 Where obtained money for dwelling

hh_house_obtain_fin_other

3.3 Where obtained money for dwelling (other)

hh_house_still_owe

3.4 Owe money on dwelling

hh_house_title_deed

3.5 Title deed for land or plot

hh_house_other_owned

3.6 Own other dwellings

hh_house_other_loc

3.7 Location of other dwellings

hh_asset_battery_inverted

3.8 Owns a Battery Inverter

hh_asset_cold_press

3.8 Owns a Cold Press

hh_asset_radio_or_stereo

3.8 Owns a Radio or Stereo

hh_asset_vcr_dvd

3.8 Owns a VCR/DVD Player

hh_asset_electric_press

3.8 Owns an Electric Press

hh_asset_fan

3.8 Owns a Fan

hh_asset_geyser_water_heater

3.8 Owns a Geyser/Water Heater

hh_asset_generator

3.8 Owns a Generator (Any fuel type)

hh_asset_heater

3.8 Owns a Heater

hh_asset_sewing_machine

3.8 Owns a Sewing Machine/Loom

hh_asset_lamps_lights

3.8 Owns a Lamps/Lights (any type)

hh_asset_mixer_grinder

3.8 Owns a Mixer/Grinder

hh_asset_mobile

3.8 Owns a Mobile

hh_asset_motor_bike

3.8 Owns a Motor Bike

hh_asset_refrigerator

3.8 Owns a Refrigerator

hh_asset_satellite_dish

3.8 Owns a Satellite Dish

hh_asset_mud_stove

3.8 Owns a Mud Stove

hh_asset_gas_stove

3.8 Owns a Gas Stove

hh_asset_tractor

3.8 Owns a Tractor

hh_asset_water_pump

3.8 Owns a Water Pump

hh_asset_solar_lantern

3.8 Owns a Solar Lantern or Home System

hh_asset_chickens

3.8 Owns Chicken

hh_asset_pigs

3.8 Owns Pigs

hh_asset_cows

3.8 Owns Cows

hh_asset_goats

3.8 Owns Goats

hh_asset_fish_fishpond

3.8 Owns a Fish/Fish Pond

hh_asset_ox_cart

3.8 Owns an Ox Cart

hh_asset_tractor2

3.8 Owns a Tractor

hh_asset_plough

3.8 Owns a Plough

hh_asset_farming_tools

3.8 Owns Farming Tools (hoe, axe, etc.)

hh_asset_milling_machine

3.8 Owns a Milling Machine

hh_asset_other

3.8 Owns Other Assets (specify)

hh_asset_other_string

3.8 Owns Other Assets (string)

hh_item_3_9_last12_rsn1

3.8b In the past 12 months, purchased an item with following intent (reason 1)

hh_item_3_9_last12_rsn2

3.8b In the past 12 months, purchased an item with following intent (reason 2)

hh_item_3_9_last12_rsn3

3.8b In the past 12 months, purchased an item with following intent (reason 3)

hh_item_3_9_last12_rsn4

3.8b In the past 12 months, purchased an item with following intent (reason 4)

hh_item_3_9_stated_intent

3.9 Item last purchased with intent stated in 3.8b

hh_item_3_9_time_since

3.10 Time since item purchased in 3.9

hh_item_3_9_getmoney_rsn1

3.11 How obtained money for item in 3.9 (reason 1)

hh_item_3_9_getmoney_rsn2

3.11 How obtained money for item in 3.9 (reason 2)

hh_item_3_9_getmoney_rsn3

3.11 How obtained money for item in 3.9 (reason 3)

hh_item_3_9_getmoney_rsn4

3.11 How obtained money for item in 3.9 (reason 4)

hh_item_3_9_getmoney_rsn5

3.11 How obtained money for item in 3.9 (reason 5)

hh_item_3_9_getmoney_rsn6

3.11 How obtained money for item in 3.9 (reason 6)

hh_item_3_9_getmoney_rsn7

3.11 How obtained money for item in 3.9 (reason 7)

hh_item_3_9_getmoney_rsn8

3.11 How obtained money for item in 3.9 (reason 8)

hh_item_3_9_getmoney_rsn9

3.11 How obtained money for item in 3.9 (reason 9)

hh_item_3_9_getmoney_rsn10

3.11 How obtained money for item in 3.9 (reason 10)

hh_item_3_9_getmoney_rsn11

3.11 How obtained money for item in 3.9 (reason 11)

hh_item_3_9_getmoney_rsn12

3.11 How obtained money for item in 3.9 (reason 12)

hh_item_3_9_getmoney_rsn13

3.11 How obtained money for item in 3.9 (reason 13)

hh_item_3_9_getmoney_rsn14

3.11 How obtained money for item in 3.9 (reason 14)

hh_item_3_9_getmoney_rsn15

3.11 How obtained money for item in 3.9 (reason 15)

hh_item_3_9_getmoney_rsn16

3.11 How obtained money for item in 3.9 other

hh_item_3_9_how_much

3.12 Amount paid for item in 3.9

hh_item_3_9_plan

3.13 Plan for item in 3.9

hh_item_3_14_reasons

3.14 What item for unforseen event, improve home life, help business

hh_item_3_14_prim_rsn1

3.14b Primary reason for item in 3.14 (reason 1)

hh_item_3_14_prim_rsn2

3.14b Primary reason for item in 3.14 (reason 2)

hh_item_3_14_prim_rsn3

3.14b Primary reason for item in 3.14 (reason 3)

hh_item_3_14_cost

3.15 Cost of item in 3.14

hh_item_3_14_use

3.16 Use of item in 3.14

hh_item_3_14_how_purchase

3.17 How planning to purchase item in 3.14

hh_item_3_14_how_pay

3.18 How planning to pay for item in 3.14

hh_insurance_heard

4.1 Heard of insurance

hh_insurance_heard_type1

4.2 Heard of insurance type 1

hh_insurance_heard_type2

4.2 Heard of insurance type 2

hh_insurance_heard_type3

4.2 Heard of insurance type 3

hh_insurance_heard_type4

4.2 Heard of insurance type 4

hh_insurance_heard_type5

4.2 Heard of insurance type 5

hh_insurance_heard_type_other

4.2 Heard of insurance type other

hh_insurance_own

4.3 Owns insurance

hh_insurance_own_type1

4.4 Owns insurance type 1

hh_insurance_own_type2

4.4 Owns insurance type 2

hh_insurance_own_type3

4.4 Owns insurance type 3

hh_insurance_own_type4

4.4 Owns insurance type 4

hh_insurance_own_type5

4.4 Owns insurance type 5

hh_insurance_own_other

4.4 Owns insurance other

hh_unplanned_pay

4.5 How gets money for unplanned events

hh_unplanned_who_pays

4.6 Who pays for unplanned events

hh_unplanned_who_helps

4.6b Who helps in unplanned event

hh_unplanned_earn_type

4.7 Types of events that lead to earning less

hh_unplanned_earn_type1

4.7 Types of events that lead to earning less 1

hh_unplanned_earn_type2

4.7 Types of events that lead to earning less 2

hh_unplanned_earn_type3

4.7 Types of events that lead to earning less 3

hh_unplanned_earn_type4

4.7 Types of events that lead to earning less 4

hh_unplanned_earn_type5

4.7 Types of events that lead to earning less 5

hh_unplanned_earn_type6

4.7 Types of events that lead to earning less 6

hh_unplanned_earn_type7

4.7 Types of events that lead to earning less 7

hh_unplanned_earn_type8

4.7 Types of events that lead to earning less 8

hh_unplanned_earn_type9

4.7 Types of events that lead to earning less 9

hh_unplanned_earn_other

4.7 Types of events that lead to earning less other

hh_unplanned_earn_expln

4.7b How events lead to earning less

hh_unplanned_shortfall

4.10 How the family makes up shortfall in event of earning less

hh_retire_plan

5.1 How will respondent ensure money when old and can't work

hh_retire_plan_other

5.2 How will respondent ensure money when old and can't work other

hh_costly_events

5.3 Which event does respondent think is most costly

hh_costly_events_other

5.3 Which event does the respondent think is most costly other

hh_costly_events_pay

5.4 How would you pay for the costly event mentioned in 5.3

hh_savgrp_belong

6.1 Belong to savings group

hh_savgrp_ever_belong

6.2 If don't belong did ever belong to savings group

hh_savgrp_why_not

6.3 Main reason don't belong to such a group

hh_savgrp_why_not_other

6.3 Main reason don't belong to such a group other

hh_savgrp_how_many

6.4 How many savings groups

hh_savgrp_why_belong

6.5 Main reason belong to savings group

hh_savgrp_why_belong_other

6.5 Main reason belong to savings group other

hh_savgrp_services_1

6.6 Things to do in group 1

hh_savgrp_services_2

6.6 Things to do in group 2

hh_savgrp_services_3

6.6 Things to do in group 3

hh_savgrp_services_4

6.6 Things to do in group 4

hh_savgrp_how_deposit

6.7 Depositing patterns in group

hh_savgrp_how_withdraw

6.8 Distributing/withdrawing patterns in group

hh_savgrp_chilimba

6.9 Considering the savings group a chilimba

hh_savgrp_other_functions

6.10 Other things that any groups do (funerals, events, etc.)

hh_savgrp_any_other_grps

6.11 Member of any other organisations

hh_savgrp_any_other_grp1

6.12 Member of any other organisation type 1

hh_savgrp_any_other_grp2

6.12 Member of any other organisation type 2

hh_savgrp_any_other_grp3

6.12 Member of any other organisation type 3

hh_savgrp_any_other_grp4

6.12 Member of any other organisation type 4

hh_savgrp_any_other_grp5

6.12 Member of any other organisation type 5

hh_savgrp_any_other_grp6

6.12 Member of any other organisation type 6

hh_savgrp_any_other_grp7

6.12 Member of any other organisation type 7

hh_savgrp_any_other_grp8

6.12 Member of any other organisation type 8

hh_savgrp_any_other_other

6.12 Member of any other organisation other

hh_earn_salary

7.1.1 Any earnings from salaried work

hh_earn_position

7.1.2 What position employed in

hh_earn_freq

7.1.3 How frequently paid

hh_earn_freq_other

7.1.3 How frequently paid other

hh_earn_paycheck_avg

7.1.4 How much paid on average from pay check

hh_earn_how_paid

7.1.5 How paid

hh_earn_how_paid_oth

7.1.5 How paid other

hh_earn_wdraw

7.1.6 Withdraw all money at once or leave some

hh_earn_wdraw_rsn

7.1.7 Main reason withdraws all money from account

hh_earn_wdraw_rsn_oth

7.1.7 Main reason withdraws all money from account other reason

hh_earn_leave_dec

7.1.8 How decides to leave money in account

hh_earn_leave_dec_oth

7.1.8 How decides to leave money in account other

hh_earn_avg_left

7.1.9 How much left in account on average

hh_earn_months_employed1

7.1.10 How many months in position

hh_farm_grow_crops

7.2.1 Respondent or any person in household grows crops

hh_farm_recent_1

7.2.2 Most recent harvest 1

hh_farm_recent_2

7.2.2 Most recent harvest 2

hh_farm_recent_3

7.2.2 Most recent harvest 3

hh_farm_recent_4

7.2.2 Most recent harvest 4

hh_farm_crops_1

7.2.3 What crops harvested 1

hh_farm_crops_2

7.2.3 What crops harvested 2

hh_farm_crops_3

7.2.3 What crops harvested 3

hh_farm_crops_4

7.2.3 What crops harvested 4

hh_farm_crops_5

7.2.3 What crops harvested 5

hh_farm_crops_6

7.2.3 What crops harvested 6

hh_farm_crops_7

7.2.3 What crops harvested 7

hh_farm_crops_other

7.2.3 What crops harvested other

hh_farm_hrvst_btr

7.2.4 Harvest better or worse than last season

hh_farm_hrvst_keep

7.2.5 Fraction of harvest retained for consumption

hh_farm_hrvst_trade

7.2.6 How much of harvest personally retained for trade

hh_farm_hrvst_trade_who

7.2.7 To whom did respondent trade or sell portion of harvest

hh_farm_hrvst_trade_who_other

7.2.7 To whom did respondent trade or sell portion of harvest other

hh_farm_hrvst_trade_vol

7.2.8 Amount of harvest stored to sell or trade

hh_farm_coop

7.2.9 Member of a farming cooperate

hh_farm_credit

7.2.9b Ever sell crop to customers or coop and let them pay later

hh_farm_coop_fee

7.2.10 Any membership fee for the coop

hh_farm_coop_share

7.2.11 Amount paid for coop membership fee each year

hh_farm_coop_split

7.2.12 Pay membership fee in full or split

hh_farm_coop_split_numppl

7.2.12 Amount of people with whom split fee for coop

hh_farm_coop_dscntgd_1

7.2.13 Things can purchase through coop 1

hh_farm_coop_dscntgd_2

7.2.13 Things can purchase through coop 2

hh_farm_coop_dscntgd_3

7.2.13 Things can purchase through coop 3

hh_farm_coop_dscntgd_4

7.2.13 Things can purchase through coop 4

hh_farm_coop_dscntgd_other

7.2.13 Things can purchase through coop other

hh_farmstr_wheresell

7.3.1 Where sell goods

hh_farmstr_wheresell_other

7.3.1 Where sell goods other

hh_farmstr_storeown

7.3.2 Term that best describes stall or farm store ownership

hh_farmstr_storeown_other

7.3.2 Term that best describes stall or farm store ownership other

hh_farmstr_products_1

7.3.3 Types of products sold at farm store or stall 1

hh_farmstr_products_2

7.3.3 Types of products sold at farm store or stall 2

hh_farmstr_products_3

7.3.3 Types of products sold at farm store or stall 3

hh_farmstr_products_4

7.3.3 Types of products sold at farm store or stall 4

hh_farmstr_products_5

7.3.3 Types of products sold at farm store or stall 5

hh_farmstr_products_6

7.3.3 Types of products sold at farm store or stall 6

hh_farmstr_products_7

7.3.3 Types of products sold at farm store or stall 7

hh_farmstr_products_8

7.3.3 Types of products sold at farm store or stall 8

hh_farmstr_products_other

7.3.3 Types of products sold at farm store or stall Other

hh_farmstr_est_worth

7.3.4 Estimated value of all objects in shop

hh_farmstr_inventory

7.3.5 Frequency of major inventory purchases

hh_farmstr_credit

7.3.6 Let's clients take goods and pay later

hh_farmstr_credit_medium

7.3.6b Do clients pay back in cash or in goods/materials/services

hh_farmstr_credit_terms

7.3.7 Terms of store credit

hh_otherinc_farm

7.4.1 Earns other income through farming

hh_otherinc_vegsales

7.4.1 Earns other income through vegetable sales (not grown by seller)

hh_otherinc_fish

7.4.1 Earns other income through fish/fish pond

hh_otherinc_firewood

7.4.1 Earns other income through firewood

hh_otherinc_taxi

7.4.1 Earns other income through taxi business

hh_otherinc_preparedfoods

7.4.1 Earns other income through prepared foods

hh_otherinc_dairy

7.4.1 Earns other income through dairy products

hh_otherinc_miner

7.4.1 Earns other income through mining

hh_otherinc_alcbeercigs

7.4.1 Earns other income through alcohol, beer or cigarettes

hh_otherinc_charcoal

7.4.1 Earns other income through charcoal

hh_otherinc_livestock

7.4.1 Earns other income through livestock

hh_otherinc_tailoring

7.4.1 Earns other income through tailoring

hh_otherinc_clothingshoes

7.4.1 Earns other income through clothing and/or shoes

hh_otherinc_buildconstruct

7.4.1 Earns other income through building/construction materials

hh_otherinc_hhitems

7.4.1 Earns other income through household items

hh_otherinc_housework

7.4.1 Earns other income through housework/laundry

hh_otherinc_mechanic

7.4.1 Earns other income through working as mechanic

hh_otherinc_piecewrks

7.4.1 Earns other income through piece works

hh_otherinc_moneylend

7.4.1 Earns other income through money lending

hh_otherinc_govsal

7.4.1 Earns other income by receiving government salary

hh_otherinc_other

7.4.1 Earns other income through other means

hh_otherinc_otherstr

7.4.1 Method by which earns income through other means

hh_otherinc_otherpay

7.4.2 Num other people in home who earn money and contribute household expenses

hh_otherinc_otherpay_other

7.4.2 Num other people in home who earn money and contribute household expenses

hh_earn_other_p1

7.4.3 Relationship with person in the house who earns income

hh_earn_other_p1_other

7.4.3 Relationship with person in the house who earns income other

hh_earnother_p1_farm

7.4.3 Person 1 earns other income through farming

hh_earnother_p1_vegsales

7.4.3 Person 1 earns other income through vegetable sales (not grown by seller)

hh_earnother_p1_fish

7.4.3 Person 1 earns other income through fish/fish pond

hh_earnother_p1_firewood

7.4.3 Person 1 earns other income through firewood

hh_earnother_p1_taxi

7.4.3 Person 1 earns other income through taxi business

hh_earnother_p1_preparedfoods

7.4.3 Person 1 earns other income through prepared foods

hh_earnother_p1_dairy

7.4.3 Person 1 earns other income through dairy products

hh_earnother_p1_miner

7.4.3 Person 1 earns other income through mining

hh_earnother_p1_alcbeercigs

7.4.3 Person 1 earns other income through alcohol, beer or cigarettes

hh_earnother_p1_charcoal

7.4.3 Person 1 earns other income through charcoal

hh_earnother_p1_livestock

7.4.3 Person 1 earns other income through livestock

hh_earnother_p1_tailoring

7.4.3 Person 1 earns other income through tailoring

hh_earnother_p1_clothingshoes

7.4.3 Person 1 earns other income through clothing and/or shoes

hh_earnother_p1_buildconstruct

7.4.3 Person 1 earns other income through building/construction materials

hh_earnother_p1_hhitems

7.4.3 Person 1 earns other income through household items

hh_earnother_p1_housework

7.4.3 Person 1 earns other income through housework/laundry

hh_earnother_p1_mechanic

7.4.3 Person 1 earns other income through working as mechanic

hh_earnother_p1_piecewrks

7.4.3 Person 1 earns other income through piece works

hh_earnother_p1_moneylend

7.4.3 Person 1 earns other income through money lending

hh_earnother_p1_govsal

7.4.3 Person 1 earns other income by receiving government salary

hh_earnother_p1_other

7.4.3 Person 1 earns other income through other means

hh_earnother_p1_otherstr

7.4.3 Method by which person 1 earns income through other means

hh_earn_other_p2

7.4.3 Relationship with person in the house who earns income

hh_earn_other_p2_other

7.4.3 Relationship with person in the house who earns income other

hh_earnother_p2_farm

7.4.3 Person 2 earns other income through farming

hh_earnother_p2_vegsales

7.4.3 Person 2 earns other income through vegetable sales (not grown by seller)

hh_earnother_p2_fish

7.4.3 Person 2 earns other income through fish/fish pond

hh_earnother_p2_firewood

7.4.3 Person 2 earns other income through firewood

hh_earnother_p2_taxi

7.4.3 Person 2 earns other income through taxi business

hh_earnother_p2_preparedfoods

7.4.3 Person 2 earns other income through prepared foods

hh_earnother_p2_dairy

7.4.3 Person 2 earns other income through dairy products

hh_earnother_p2_miner

7.4.3 Person 2 earns other income through mining

hh_earnother_p2_alcbeercigs

7.4.3 Person 2 earns other income through alcohol, beer or cigarettes

hh_earnother_p2_charcoal

7.4.3 Person 2 earns other income through charcoal

hh_earnother_p2_livestock

7.4.3 Person 2 earns other income through livestock

hh_earnother_p2_tailoring

7.4.3 Person 2 earns other income through tailoring

hh_earnother_p2_clothingshoes

7.4.3 Person 2 earns other income through clothing and/or shoes

hh_earnother_p2_buildconstruct

7.4.3 Person 2 earns other income through building/construction materials

hh_earnother_p2_hhitems

7.4.3 Person 2 earns other income through household items

hh_earnother_p2_housework

7.4.3 Person 2 earns other income through housework/laundry

hh_earnother_p2_mechanic

7.4.3 Person 2 earns other income through working as mechanic

hh_earnother_p2_piecewrks

7.4.3 Person 2 earns other income through piece works

hh_earnother_p2_moneylend

7.4.3 Person 2 earns other income through money lending

hh_earnother_p2_govsal

7.4.3 Person 2 earns other income by receiving government salary

hh_earnother_p2_other

7.4.3 Person 2 earns other income through other means

hh_earnother_p2_otherstr

7.4.3 Method by which person 2 earns income through other means

hh_earn_other_p3

7.4.3 Relationship with person in the house who earns income

hh_earn_other_p3_other

7.4.3 Relationship with person in the house who earns income other

hh_earnother_p3_farm

7.4.3 Person 3 earns other income through farming

hh_earnother_p3_vegsales

7.4.3 Person 3 earns other income through vegetable sales (not grown by seller)

hh_earnother_p3_fish

7.4.3 Person 3 earns other income through fish/fish pond

hh_earnother_p3_firewood

7.4.3 Person 3 earns other income through firewood

hh_earnother_p3_taxi

7.4.3 Person 3 earns other income through taxi business

hh_earnother_p3_preparedfoods

7.4.3 Person 3 earns other income through prepared foods

hh_earnother_p3_dairy

7.4.3 Person 3 earns other income through dairy products

hh_earnother_p3_miner

7.4.3 Person 3 earns other income through mining

hh_earnother_p3_alcbeercigs

7.4.3 Person 3 earns other income through alcohol, beer or cigarettes

hh_earnother_p3_charcoal

7.4.3 Person 3 earns other income through charcoal

hh_earnother_p3_livestock

7.4.3 Person 3 earns other income through livestock

hh_earnother_p3_tailoring

7.4.3 Person 3 earns other income through tailoring

hh_earnother_p3_clothingshoes

7.4.3 Person 3 earns other income through clothing and/or shoes

hh_earnother_p3_buildconstruct

7.4.3 Person 3 earns other income through building/construction materials

hh_earnother_p3_hhitems

7.4.3 Person 3 earns other income through household items

hh_earnother_p3_housework

7.4.3 Person 3 earns other income through housework/laundry

hh_earnother_p3_mechanic

7.4.3 Person 3 earns other income through working as mechanic

hh_earnother_p3_piecewrks

7.4.3 Person 3 earns other income through piece works

hh_earnother_p3_moneylend

7.4.3 Person 3 earns other income through money lending

hh_earnother_p3_govsal

7.4.3 Person 3 earns other income by receiving government salary

hh_earnother_p3_other

7.4.3 Person 3 earns other income through other means

hh_earnother_p3_otherstr

7.4.3 Method by which person 3 earns income through other means

Total: 498

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