Zambia is one of the most highly urbanised countries in sub-Saharan Africa with 44% of the population concentrated in a few urban areas along the major transport corridors, while rural areas are sparsely populated. Unemployment and underemployment in urban areas are serious problems, while most rural Zambians are subsistence farmers. The population comprises approximately 72 ethnic groups, most of which are Bantu-speaking.
Almost 90% of Zambians belong to the nine main ethnolinguistic groups: the Nyanja-Chewa, Bemba, Tonga, Tumbuka, Lunda, Luvale, Kaonde, Nkoya and Lozi. In the rural areas, each ethnic group is concentrated in a particular geographic region of the country and many groups are very small and not as well known. However, all the ethnic groups can be found in significant numbers in Lusaka and the Copperbelt.
Expatriates, mostly British or South African, as well as some white Zambian citizens, live mainly in Lusaka and in the Copperbelt in northern Zambia, where they are either employed in mines, financial and related activities or retired. There were 70,000 Europeans in Zambia in 1964, but many have since left the country. Zambia also has a small but economically important Asian population, most of whom are Indians and Chinese. An estimated 80,000 Chinese are resident in Zambia. In recent years, several hundred dispossessed white farmers have left Zimbabwe at the invitation of the Zambian government, to take up farming in the Southern province.
According to the World Refugee Survey 2008 published by the U.S. Committee for Refugees and Immigrants, Zambia has a population of refugees and asylum seekers numbering approximately 113,200. The majority of refugees in the country came from the Democratic Republic of Congo (55,400 refugees from the DRC living in Zambia in 2007), Angola (40,800; see Angolans in Zambia) and Rwanda (4,000)
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