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TECHNICAL ANNEX

TECHNICAL ANNEX METHODOLOGY We selected the Zambia Financial Diaries sample from a purposively developed sample frame. The priority was to develop a sample that, while not statistically representative, was still reflective of the varying levels of financial service access and livelihoods of low-income Zambians. We selected four provinces—Copperbelt, Eastern, Lusaka, and Western Provinces—that contained a diverse mix of urban and rural respondents, various levels of financial access, and a preponderance of individuals involved in informal businesses (Lusaka Province), the mining sector (Copperbelt Province), or farming (Eastern and Western Provinces). Within each of these provinces, we purposively selected districts to meet the logistical requirements of the methodology. The two major requirements were that the districts needed to include a town with sufficient services to support a field team for a year (especially reliable telephone network access) and the ability for field teams to reach field sites within one and a half hours of the town. We randomly selected standard enumerator areas, defined by Zambia’s Central Statistical Office, within each district, and we selected households using a random walk. The field team used Kish grids to select a respondent within a household. SAMPLE: RESPONDENT CHARACTERISTICS DISTRIBUTION OF RESPONDENTS Overall, women made up a greater proportion of the sample than men did. This was true in each province, though men made up a greater proportion of the sample in Eastern Province than in the other provinces. Table 21: Gender by Province Copperbelt Eastern Lusaka Western Total Average Number of Interviews per Respondent Male 40% 49% 34% 37% 40% 49.2 Female 60% 51% 66% 63% 60% 44.7 Total 100% 100% 100% 100% 100% 46.5 We had varying levels of participation in the study in each province. Copperbelt Province had a lower number of respondents than the other sites due to the poor data quality of one enumerator whose data we chose to exclude. Table 22: Gender by Province Copperbelt Eastern Lusaka Western Total Male 21 54 31 37 143 Female 31 57 60 64 212 Total 52 111 91 101 355 Go To Menu 47

Table 22: Gender by Province Copperbelt Eastern Lusaka Western Total Male 21 54 31 37 143 Female 31 57 60 64 212 Total 52 111 91 101 355 AGE, HOUSEHOLD ROLE, AND HOUSEHOLD SIZE The average age of the sample was slightly under 38 years old. The men were almost two years older than the women were on average. Respondents in Eastern and Western Provinces were older than respondents in Copperbelt and Lusaka Provinces were. Table 23: Average Age by Gender and Province Male Female Copperbelt Eastern Lusaka Western Total 35.1 43.1 34.1 38.6 38.8 29.0 40.2 33.1 41.8 37.0 During enrollment, we asked respondents to identify their roles in the household. Men reported being the head of house at greater rates than women did across all four provinces. Women in Eastern and Western Provinces reported being the head of house at greater rates than women in Copperbelt and Lusaka Provinces did. A majority of women reported being the spouse in the household except in Western Province, which had a greater representation of adult daughters than the other provinces. Table 24: Household Role by Gender and Province Copperbelt Eastern Lusaka Western Male Female Male Female Male Female Male Female Head of House Spouse Adult Son Adult Daughter Male In-Law Female In-Law Other Dependent Total 95% 10% 87% 42% 77% 25% 86% 34% - 71% - 51% - 57% - 44% - - 11% - 19% - 14% - - 13% - 7% - 17% - 22% - - - - 3% - - - - 3% - - - - - - 5% 3% 2% - - 2% - - 100% 100% 100% 100% 100% 100% 100% 100% The average household size was just over five people per household. There was little variation in this across the four provinces, though respondents in Eastern Province had slightly larger households (six people) than the other provinces did, and respondents in Lusaka Province had slightly smaller households (about four people) than the other provinces did. 48 Go To Menu

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