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Taking a similar look at

Taking a similar look at financial tool use across the provinces shows that respondents in Eastern Province used savings as a financial tool more often than the other provinces. Though respondents from Western Province appeared to use savings the least, this phenomenon is best explained as a difference in data collection as enumerators from Western Province had a more difficult time having respondents in this region report their home savings transactions. Respondents in Lusaka Province were slightly more likely than respondents in Eastern and Copperbelt Provinces were to conduct financial transactions using cash transfers. Respondents in Western Province were the least likely to use cash transfers. Last, respondents in Copperbelt Province were slightly more likely than respondents in Eastern Province were to conduct financial transactions using loans. Figure 42: Financial Tool Use by Province Micro-retail businesses used savings tools more frequently than the other four livelihoods. Dependents, not surprisingly, conducted financial transactions using cash transfers at a much greater rate than any other group. All five livelihood groups reported using loans at similar frequencies, though dependents reported doing this slightly more often than the other four groups did. Go To Menu 61

Figure 43: Financial Tool Use by Livelihood Reviewing the income segments’ use of financial tools reveals no significant trend in the groups’ preferences for tools. Respondents in the high-income/low-variation segment reported using savings slightly more than the other three segments. Respondents in the low-income/high-variation group conducted cash transfers more frequently than the other segments did. This is due to the higher representation of dependents in this segment who relied on these transfers. Figure 44: Financial Tool Use by Income Segment 62 Go To Menu

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