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CHAPTER 1 SAMPLE OVERVIEW RESPONDENT CHARACTERISTICS The Financial Diaries sample included 355 respondents in four provinces in Zambia: Copperbelt, Eastern, Lusaka, and Western Provinces (Figure 1). Figure 1: Respondent Map - Country View Within each province, we clustered respondents by village (Eastern and Western Province) or neighborhood (Copperbelt and Lusaka Province) to enable enumerators to reach them easily during their weekly data collection visits (see the “Methodology” section of the Technical Annex for more details on data collection). Figure 2 shows the distribution of respondents in each province. Figure 2: Respondent Map - Province View Go To Menu 5

The sample included 212 women and 143 men. Eleven enumerators conducted 16,510 interviews over the course of 58 weeks, beginning in early November 2014 and ending in mid-December 2015. The enumerators collected an average of 46.5 interviews per respondent. 1 The enumerators conducted 9,472 interviews with women (45 per respondent) and 7,038 interviews with men (49 per respondent). Table 1: Number of Weeks Interviewed by Gender Total Number Interviews Average Number of Interviews per Respondent Male 7,038 49.2 Female 9,472 44.7 Total 16,510 46.5 Based on coding of the data collected through an initial enrollment survey, the Financial Diaries, and a cross-sectional survey administered at the end of the study, we identified five categories of respondent livelihoods. The most important determinant of how we categorized respondents into different livelihoods was based on the main source of income, calculated using the Financial Diaries data, for each respondent. The five categories of livelihood were: micro-retail business; farmer; informal labor services; formal worker; and dependent. Almost one-third of the respondents owned a micro-retail business, while only nine percent were in formal employment. The response rate from each group was very similar—we had 46 interviews, on average, per respondent from each livelihood group. Looking at the distribution in terms of gender, a greater proportion of women than men in the sample were dependents. Men were much more likely than women were to work in formal employment or in informal labor services, and they were slightly more likely to work as a farmer. Men and women were equally likely to be involved in a micro-retail business. Table 2: Livelihood by Gender Male Female Total Average Number of Interviews per Respondent Micro-Retail Businesses 28% 29% 29% 46.7 Farmer 22% 19% 20% 45.2 Informal Labor Services 31% 12% 19% 48.2 Formal Employment 15% 5% 9% 46.0 Dependent 4% 35% 23% 46.2 Total 100% 100% 100% 46.5 This number is less than the 58 weeks of the study as not all respondents were active from start to finish. For example, some respondents enrolled after the initial start-up period, and some respondents could not participate every week due to their busy schedules; miners for example, had difficulty interviewing every week due to their day-shifts. The difference between the number of interviews per respondent for men and women is a result of having to drop the first six months of data for one enumerator whose data were of too poor quality. Eighty percent of this enumerator’s respondents were female, resulting in a drop in the number of female interviews collected when compared to men. 6 Go To Menu

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