Zambia is considered a developing country. A nation's level of development is determined by a number of factors including, but not limited to, economic prosperity, life expectancy, income equality and quality of life. As a developing country, Zambia may not be able to provide consistent social services to its citizens. These social services can include things like public education, reliable health care, and law enforcement. Citizens of developing countries may have a lower life expectancy than citizens of developed countries. Every year, Zambia exports about US$8.55 billion and imports about US$8.22 billion. 7.8% of the country's population is unemployed. The total number of unemployed in Zambia is 1,373,516. In Zambia, 60.5% of the population lives below the poverty line. The proportion of citizens living below the poverty line in Zambia is very high compared to other countries. This situation points to a number of alarming economic and political factors. Investing in countries with this level of poverty is not advisable. Government spending on education is 1.3% of GDP. The country's Gini index is 57.5. Inequality prevails in Zambia. The gap between the richest and poorest citizens in this country is significant and evident, resulting in drastically different living standards for rich and poor citizens. Zambia has a Human Development Index (HDI) of 0.561. Zambia has an upper middle HDI value. This indicates that the majority of citizens will be able to lead a worthwhile life, although some citizens will not be able to attain a high standard of living. The Global Peace Index (GPI) for Zambia is 1.846. Due to the strong presence of the law enforcement authorities and the high level of social responsibility, Zambia is very safe in international comparison. The Strength of the Legal Rights Index for Zambia is 7. Overall, it is considered to be fairly adequate – bankruptcy and collateral laws are able to protect the rights of borrowers and lenders at least to some extent; Credit information is largely sufficient and generally available.

Currency
The currency of Zambia is Zambian kwacha. The plural form of the word Zambian kwacha is kwachas. The symbol used for this currency is ZK, and it is abbreviated as ZMW. The Zambian kwacha is divided into Ngwee; there are 100 in one kwacha.

Credit rating
The depth of credit information index for Zambia is 8, which means that information is mostly sufficient and quite detailed; accessibility is not a problem. According to the S&P credit-rating agency, Zambia has a credit rating score of B+, and the prospects of this rating are stable. According to the Fitch credit-rating agency, Zambia has a credit rating score of B+, and the prospects of this rating are stable.

Central bank
In Zambia, the institution that manages the state's currency, money supply, and interest rates is called Bank of Zambia. The average deposit interest rate offered by local banks in Zambia is 7.9%.

Public debt
Zambia has a government debt of 31.2% of the country's Gross Domestic Product (GDP), as assessed in 2012.

Tax information
The corporate tax in Zambia is set at 35%. Personal income tax ranges from 10% to 30%, depending on your specific situation and income level. VAT in Zambia is 17.5%.

Finances
The total Gross Domestic Product (GDP) assessed as Purchasing Power Parity (PPP) in Zambia is $61392 billion. The Gross Domestic Product (GDP) assessed as Purchasing Power Parity (PPP) per capita in Zambia was last recorded at $3 million. PPP in Zambia is considered to be below average when compared to other countries. Below average PPP indicates that citizens in this country find it difficult to purchase local goods. Local goods can include food, shelter, clothing, health care, personal care, essential furnishings, transportation and communication, laundry, and various types of insurance. Countries with below average PPP are dangerous locations for investments. The total Gross Domestic Product (GDP) in Zambia is 22,384 billion. Based on this statistic, Zambia is considered to have a medium economy. Countries with medium economies support an average number of industries and opportunities for investment. It should not be too difficult to find worthwhile investment opportunities in medium economies. The Gross Domestic Product (GDP) per capita in Zambia was last recorded at $1 million. The average citizen in Zambia has very low wealth. Countries with very low wealth per capita often have lower life expectancies and dramatically lower quality of living among citizens. It can be very difficult to find highly skilled workers in countries with very low wealth, as it is difficult for citizens to obtain the requisite education needed for specialized industries. However, labor can be found for very low rates when compared with countries with higher wealth per capita. GDP Annual Growth Rate in Zambia averaged 6.5% in 2014. According to this percentage, Zambia is currently experiencing significant growth.