The Zambia Map of Financial Inclusion visualizes several financial service providers at the province and district level within Zambia. Specifically, the map contains layers mapping commercial banks, NatSave branches, mobile money branches, development and consumer MFIs. There are also several demographic background layers that provide greater context surrounding the financial inclusion landscape. The following sections explain the data substantiating each layer, what each layer represents and any important assumptions made on the part of MIX while cleaning and preparing these data for mapping. All data used for mapping, raw data and any further notes on the data can be downloaded and redistributed freely below as well.
The first FSP layer contains data on the commercial banks within Zambia at the province level only. The data are sourced from the Bank of Zambia’s list of commercial bank branches. You can download a supporting key for deciphering bank name acronyms as well.
The NatSave layer maps the number of NatSave branches at the province and district level throughout Zambia. It is sourced from the NatSave Branch Network. These are government owned financial institutions that are able to both accept deposits and provide loans. One of their expressed purposes is to provide financial services to rural populations.
The Mobile Money layer displays the number of mobile agents at the province and district level. These listings were obtained from the 4 major cell phone service providers in Zambia. Zamtel, MTN, Zoona, and Airtel were included. The information was collected from the operators website. The data depicts allocation of services by number of agents, and is not represtantive of usage rates.
The national agency Bank of Zambia tracks all registered MFI’s within Zambia. A yearly self-reported survey monitors the number of borrowers, depositors and other indicators of size of these institutions. For the purposes of this anaylsis, the MFI’s are divided into two categories, Development and Consumer. Development MFI’s are those focused on increasing household income, while Consumer MFI’s focus on providing short-term cash flow. The data was supplied on request from a BoZ representative, and not publically available.
The Zambia Postal Service hosts a range of financial services, includeing: transfers, microcredit, foreign exchange,and money orders.
The population density contextual layer is sourced both from the 2010 Zambian Census and Afripop. Each pixel of this heat map represents an estimation of the number of people per 100 square meters based on both the the latest Zambian Census data and satellite image interpretation, according to Afripop’s methodology. The data appearing within the interactivity (the box appearing on hover) of this layer is from the 2010 Zambian Census only. Please note that the population density figures within the interactivity are sourced from a preliminary 2010 census report instead of the final dataset.
The under 18 population, National Registration Card holders, average household size and rural population contextual layers come from the 2010 Zambian census, and all go down at least the district level. The following are some key notes on the data behind each layer and MIX’s choice in representing the data:
The population with a formal bank account data are taken from the 2009 FinScope Survey. The color scheme on this map does not follow the default percentile breakdown either, as MIX would like to highlight the fact that fewer than 25% of the population in every Zambian province has a formal bank account.
The Poverty and Literacy data are from the 2000 Zambian Census. Individual chapters are available through archived versions of the Zambian Bureau of Statistics website. The working paper of the SARPN group contained data from the 2000 Zambian census on Poverty data.
Data for this layer can be found at the Socioeconomic Data and Applications Center at Columbia University. We utilized the Urban Extents dataset and overlaid that with the population density dataset to create boundaries of urban regions. Through the use of a conversion factor from square arc degrees to square kilometers, we calculated the population density for regions on the map; populations falling within the urban boundary were considered urban population and the populations outside of such regions were considered rural. Please see the GRUMP and Gridded Population of the World dataset and methodology for more detailed information. Given that urban regions were ascertained using nighttime lights data, it is likely that the urban regions without electricity were categorized as rural in this dataset; it is therefore plausible that the rural population is overestimated or, conversely, the urban population is underestimated by this methodology for this particular country.
Infrastructure Data was gathered from Infrastructure Africa. Main roads, power transmission lines, and power plants are included on this map and are available for many Sub-Saharan African countries.
Except where noted above and for some outliers, all the colors and dots sizes displayed in this map are scaled based on the 25th, 50th, 75th and 90th percentiles of the respective dataset they represent. This guarantees a view into the relative extremes of each dataset, rather than employing an absolute scale. The 25th, 50th, 75th and 90th percentiles for the shaded contextual data are displayed in the legend of each layer.
The map files representing national, provincial and district are sourced from Global Administrative Areas (GADM), an international database of geographic files (shapefiles) covering every country in the world. The data are maintained by contributors working at the International Rice Research Institute and the University of California, Berkeley’s Museum of Vertebrate Biology. The shapefiles are drawn primarily from the Centers for Disease Control and the UN Geographic Information Working Group’s “Second Administrative Level Boundaries” project.
The original GADM shapefile is current as of 2008. Zambia added in the province of Muchinga, however, in 2011 and so the original shapefile has been modified to include this new province. The new shapefiles are available for download and free reuse here.