Number of Household Sector Borrowers at Commercial Banks per 1,000 in Zambia
Zambia: Number of Household Sector Borrowers at Commercial Banks per 1,000 was 31.42 in 2025. ▲ Rising
Number of Household Sector Borrowers at Commercial Banks per 1,000 in Zambia, 2012–2025
Source: International Monetary Fund.
Analysis
The most recent figure for number of household sector borrowers at commercial banks per 1,000 in Zambia is 31.42, measured in 2025.
Compared with earlier readings it is down 26.0% on the previous year and up 16.6% over ten years.
Over the whole period, number of household sector borrowers at commercial banks per 1,000 in Zambia peaked at 58.04 in 2023 and was at its lowest, 11.22, in 2012.
That places Zambia 77th out of 89 countries with data for 2025, putting it in the bottom quarter.
The long-run direction has been consistently rising across the 14 years of available data.
Number of Household Sector Borrowers at Commercial Banks per 1,000 in Zambia, year by year
| Year | Value | Change |
|---|---|---|
| 2012 | 11.22 | — |
| 2013 | 31.33 | +179.3% |
| 2014 | 31.06 | -0.9% |
| 2015 | 26.94 | -13.3% |
| 2016 | 20.17 | -25.1% |
| 2017 | 18.59 | -7.8% |
| 2018 | 16.04 | -13.7% |
| 2019 | 18.18 | +13.3% |
| 2020 | 17.58 | -3.3% |
| 2021 | 26.08 | +48.3% |
| 2022 | 43.98 | +68.6% |
| 2023 | 58.04 | +32.0% |
| 2024 | 42.48 | -26.8% |
| 2025 | 31.42 | -26.0% |
Zambia compared with similar countries
- Zambia's 31.42 is below the median for lower middle income countries, which is 50.96, 62% of the median. (21 countries reporting)
- Zambia's 31.42 is below the median for Sub-Saharan Africa, which is 37.67, 83% of the median. (23 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2010s | 21.69 | 11.22 | 31.33 | 8 |
| 2020s | 36.59 | 17.58 | 58.04 | 6 |
Countries ranked near Zambia
More financial sector data for Zambia
- Reserve position in the IMF, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0.0011 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0.0008 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0.0011 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
Frequently asked questions
- What is number of household sector borrowers at commercial banks per 1,000 in Zambia?
- Number of household sector borrowers at commercial banks per 1,000 in Zambia was 31.42 in 2025, according to International Monetary Fund.
- What is the highest number of household sector borrowers at commercial banks per 1,000 recorded in Zambia?
- The highest recorded value was 58.04 in 2023.
- What is the lowest number of household sector borrowers at commercial banks per 1,000 recorded in Zambia?
- The lowest recorded value was 11.22 in 2012.
- How does Zambia rank for number of household sector borrowers at commercial banks per 1,000?
- Zambia ranks 77th out of 89 countries with data for 2025.
- Is number of household sector borrowers at commercial banks per 1,000 rising or falling in Zambia?
- Over the last ten years it is up 16.6%. The long-run trend across the full record is rising.
- Where does this Zambia data come from?
- The figures come from International Monetary Fund, published as part of Number of Household Sector Borrowers at Commercial Banks per 1,000 Adults. Statizoid updates them automatically from the source API.
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About this data
Gender-disaggregated data on access to and use of financial services.