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AUTHORS Guy Stuart,

AUTHORS Guy Stuart, Ph.D. and Executive Director of Microfinance Opportunities, Eric Noggle, Research Director of Microfinance Opportunities, and Conor Gallagher, Research Associate, authored this report. ACKNOWLEDGEMENTS Financial Sector Deepening Zambia (FSDZ) supported the Zambia Financial Diaries. The authors would like to thank Joanna Legerwood and Irma Grundling of FSDZ for their support and guidance during the project. Ipsos Zambia collected data for the project. Microfinance Opportunities’ staff provided countless hours of support. DISCLAIMER The results presented in this report are based on the preliminary version of the data and analysis carried out by MFO. Go To Menu v

ACRONYMS COV FSDZ FSP MFO MNO PPI ZMW Coefficient of Variance Financial Sector Deepening Zambia Financial Service Provider Microfinance Opportunities Mobile Network Operator Progress out of Poverty Index Zambian Kwacha vi Go To Menu

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