 | Microenterprise Financial Services: K-REP's Move Towards Mobilising Voluntary Savings (K-REP, 1996, 74 p.) |
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Annex 1: Tables extracted from the study
1.1 Gender of respondents
|
Gender |
Frequency |
Per cent |
|
Male |
505 |
62.5 |
|
Female |
303 |
37.5 |
|
Total |
809 |
100.0 |
1.2 Status of respondents
|
Status |
Frequency |
Per cent |
|
K-REP clients |
271 |
33.5 |
|
Non K-REP clients |
538 |
66.5 |
|
Total |
809 |
100.0 |
1.3 Location of enumeration
|
Location |
Frequency |
Per cent |
|
Rural |
271 |
33.5 |
|
Urban |
538 |
66.5 |
|
Total |
809 |
100.0 |
1.4 Type of business
|
Type |
Frequency |
Per cent |
|
Trade |
551 |
68.1 |
|
Manufacturing |
113 |
14.0 |
|
Service |
145 |
17.9 |
|
Total |
809 |
100.0 |
1.5 Age distribution of business
|
Age of business |
Frequency |
Per cent |
|
Up to 1 year |
66 |
8.2 |
|
2 years |
106 |
13.1 |
|
3 years |
101 |
12.5 |
|
4 - 5 years |
148 |
18.3 |
|
6 - 10 years |
218 |
27.0 |
|
11 - 20 years |
140 |
17.3 |
|
21 + years |
28 |
3.5 |
|
Total |
807 |
100.0 |
1.6 Days in month when businesses are open
|
Days open |
Frequency |
Per cent |
|
Up to 15 |
13 |
1.6 |
|
16 - 20 |
16 |
2.0 |
|
21 - 23 |
2 |
0.2 |
|
24 - 26 |
327 |
40.4 |
|
27+ |
451 |
55.7 |
|
Total |
809 |
100.0 |
1.7 Hours when business opens and closes every day
|
Opening Hour |
Frequency |
Per cent |
|
Before 6 a.m. |
17 |
2.1 |
|
6 - 7a.m. |
316 |
39.2 |
|
8 - 9 am |
433 |
53.7 |
|
Past 10 am |
41 |
5.0 |
|
Total |
807 |
100.0 |
|
Closing hour |
Frequency |
Per cent |
|
Before 4 pm |
5 |
0.6 |
|
4 - 5 pm |
135 |
16.6 |
|
6 - 7 pm |
465 |
57.1 |
|
8 - 9 pm |
146 |
17.9 |
|
Past 10 pm |
56 |
6.9 |
|
Total |
807 |
100.0 |
1.8 Age distribution of respondents
|
Age of respondent |
Frequency |
Per cent |
|
Up to 20 years |
5 |
.6 |
|
21 - 30 years |
249 |
30.9 |
|
31 - 40 years |
366 |
45.4 |
|
41 - 50 years |
132 |
16.4 |
|
51 - 60 years |
42 |
5.2 |
|
Over 60 years |
12 |
1.5 |
|
Total |
806 |
100.0 |
1.9 Total number of respondent’s children
|
Total no. of children |
Frequency |
Per cent |
|
None |
127 |
15.6 |
|
1 |
121 |
14.8 |
|
2 |
153 |
18.8 |
|
3 |
118 |
14.5 |
|
4 - 5 |
170 |
20.9 |
|
6 and above |
126 |
15.5 |
|
Total |
815 |
100.0 |
1.11 Reasons for choice of bank
|
Reasons/Bank |
KCB |
BBK |
Stanbank |
National |
Coop |
Postbank |
Total |
|
Proximity |
61 (9.8) |
14 (2.2) |
3 (0.5) |
3 (0.5) |
8 (1.3) |
15 (2.4) |
104 (16.7) |
|
Stability of bank |
35 (5.6) |
49 (7.9) |
7 (1.1) |
7 (1.1) |
4 (0.6) |
2 (0.3) |
104 (16.7) |
|
Low opening balance |
15 (2.4) |
6 (1.0) |
- |
31 (5.0) |
7 (1.1) |
43 (6.9) |
102 (16.4) |
|
Easy A/C opening |
10 (1.6) |
4 (0.6) |
3 (0.5) |
4 (0.6) |
1 (0.2) |
11 (1.8) |
33 (.3) |
|
Known to bank officials |
3 (0.5) |
1 (0.2) |
- |
- |
- |
1 (0.2) |
5 (0.8) |
|
Influence of someone |
17 (2.7) |
18 (2.9) |
4 (0.6) |
11 (1.8) |
2 (0.3) |
2 (0.3) |
54 (8.7) |
|
Fast service |
7 (1.1) |
34 (5.5) |
6 (1.0) |
12 (1.9) |
4 (0.6) |
2 (0.3) |
65 (10.5) |
|
Easy to get credit |
5 (0.8) |
1 (0.2) |
2 (0.3) |
1 (0.2) |
2 (0.3) |
- |
11 (1.8) |
|
High interest on deposits |
4 (0.6) |
9 (1.4) |
1 (0.2) |
1 (0.2) |
1 (0.2) |
6 (1.0) |
22 (.5) |
|
No apparent reason |
14 (2.2) |
15 (2.4) |
3 (0.5) |
3 (0.5) |
2 (0.3) |
6 (1.0) |
43 (6.9) |
|
Special services |
4 (0.6) |
4 (0.6) |
2 (0.3) |
1 (0.2) |
- |
2 (0.3) |
13 (2.1) |
|
Only bank |
17 (2.7) |
- |
- |
- |
- |
3 (0.5) |
20 (3.2) |
|
Other reasons |
9 (1.4) |
8 (1.3) |
2 (0.3) |
4 (0.6) |
7 (1.1) |
15 (2.4) |
45 (7.2) |
|
Total |
201 (32.4) |
163 (26.2) |
33 (5.3) |
78 (12.5) |
38 (6.1) |
108 (17.4) |
621 (100) |
1.12 Sources of money for expenses (Entrepreneurs)
|
Source/Expense |
Foreseen major exp. |
Planned investments |
Unforeseen major exp. |
Unplanned bus. opport |
|
Own saving |
388 (50.3) |
309 (42.1) |
269 (35.4) |
275 (39.1) |
|
Lease/sale property |
14 (1.8) |
48 (6.5) |
2 (0.3) |
9 (1.3) |
|
Sale liquid assets |
- |
2 (0.2) |
1 (0.1) |
1 (0.1) |
|
Withdraw money |
302 (39.2) |
219 (29.8) |
288 (37.9) |
265 (37.7) |
|
Seek assistance |
5 (0.6) |
2 (0.2) |
33 (4.3) |
13 (1.8) |
|
Raise money |
2 (0.3) |
1 (0.1) |
6 (0.8) |
2 (0.3) |
|
Borr. from rela. |
14 (1.8) |
25 (3.4) |
93 (12.2) |
54 (7.7) |
|
Borr. from emp. |
4 (0.5) |
5 (0.7) |
2 (0.3) |
1 (0.1) |
|
Borr. from mon lender |
1 (0.1) |
26 (3.5) |
4 (0.5) |
17 (2.4) |
|
Borr. from fin. institu |
2 (0.3) |
45 (6.1) |
10 (1.3) |
26 (3.7) |
|
Salaries |
3 (0.4) |
4 (0.5) |
1 (0.1) |
2 (0.3) |
|
Insurance |
8 (1.0) |
- |
6 (0.8) |
2 (0.3) |
|
other |
28 (3.6) |
48 (6.5) |
22 (2.9) |
36 (5.1) |
|
Total |
771 (100.0) |
734 (100.0) |
759 (100.0) |
703 (100.0) |
1.13 Sources of money for expenses (Nonentrepreneurs)
|
Source/Expense |
Foreseen major exp. |
Planned investments |
Unforeseen major exp. |
|
Own saving |
148 (49.2) |
101 (44.9) |
80 (26.8) |
|
Lease/sale property |
8 (2.7) |
16 (7.1) |
6 (2.0) |
|
Sale liquid assets |
- |
1 (0.4) |
1 (0.3) |
|
Withdraw money |
17 (5.6) |
18 (8.0) |
31 (10.4) |
|
Seek assistance |
3 (1.0) |
- |
7 (2.3) |
|
Raise money |
11 (3.7) |
12 (5.3) |
52 (17.4) |
|
Borr. from rela. |
28 (9.3) |
26 (11.6) |
79 (26.4) |
|
Borr. from emp. |
2 (0.7) |
5 (2.2) |
3 (1.0) |
|
Borr. from mon lender |
6 (2.0) |
14 (6.2) |
8 (2.7) |
|
Salaries |
63 (20.9) |
15 (6,7) |
18 (6.0) |
|
Insurance |
6 (2.0) |
1 (0.4) |
5 (1.7) |
|
other |
9 (3.0) |
16 (7.1) |
9 (3.0) |
|
Total |
301 (100.0) |
225 (100.0) |
299 (100.0) |
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