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Figure 16: Distribution

Figure 16: Distribution of Household Spending by Income Segment, Amounts 1 Figure 17: Distribution of Household Spending by Income Segment, Share of Amount Agricultural Inputs Purchases An important sub-set of expenditures that respondents made was the purchase of agricultural inputs. Analyzing these expenditures allows us to better understand the priorities of farming households. 1 Spending figures do not include spending on housing. We have excluded spending on housing because this is a special category of spending that can includes spending on the purchase or improvement of a dwelling which may, as a result, increase in value. Go To Menu 19

The most common agricultural input purchase was fertilizer: 45 percent of the farming households—which includes respondents whose livelihood was classified as farming and households where a household member grew crops for personal consumption or to sell—bought fertilizer during the study period. The average amount they spent on each purchase was ZMW 296. The second most common purchase was seeds. Thirty percent of the farming households bought seeds, and the average purchase amount was ZMW 111. Table 10: Top 5 Agricultural Purchases for Farming Households Proportion of Farming Households Average Amount per Purchase (ZMW) Transactions per Week Fertilizer 45% 296 .038 Seeds 27% 111 .012 Pesticide 10% 45 .004 Capital Input 13% 113 .004 Agri-Service 12% 154 .003 Respondents’ agricultural purchases displayed a seasonal pattern, roughly following the maize sowing and harvest seasons of Zambia. Figure 18: Seasonality of Agricultural Purchases by Farming Households FINANCIAL TOOLS AND NETWORKS In this section, we describe the financial tools that respondents used and their financial networks. People use four financial tools to manage their financial lives: savings, loans, insurance, and cash payments or transfers. We define these as financial services when they are provided by a formal or informal financial service provider (FSP), but not all tools are provided by FSPs. Individuals can give or receive savings, cash transfers, and loans to or from family and friends, or they can save at home. In other words, people use financial tools in the context of different types of relationships, which may or may not involve an FSP. We refer to these relationships as the financial network of a respondent (Table 11). 20 Go To Menu

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