Frequencies

Statistics Level of Gender N Valid Missing 10 0 Education 10 0 Age 10 0 Owns a Business Type of Business 10 0 7 0

Statistics Time joined Microfinance Institution N Valid Missing 10 0 Date joined VSLA 10 0 Requirements for joining VSLA 10 0 Why Joined VSLA 10 0 Shares Held When Joining VSLA 10 0

Statistics Amount Paid for Shares N Valid Missing 10 0 Number of Shares Owned 10 0 Current Share Price 10 0 Increment of shares 10 0 By how much share Increased 9 0

Statistics Differece between VSLA Can use all VSLA Services N Valid Missing 10 0 and Other Microfiances 10 0 Satisfaction with Those who take VSLA Services 10 0 Large Loans 9 0 Amout of Large Loan 0 0

Statistics Chairperson's Success N Valid Missing 10 0 Secretary's Success 10 0 Treasurer's Success 10 0 Field Officer's Success 6 0 Who decides on Interest Rate 10 0

Statistics Informaatio about Satisfaction with Satisfaction with Interest Rate N Valid Missing 10 0 Decision Making 10 0 Social Fund Breaking 10 0 Reasons for Social Breaking 4 0 Problem of Incompetent Lonees 10 0

Statistics Advatages of Satisfaction with Sharing of Profits N Valid Missing 10 0 being a Share Holders 10 0 Satisfied as a Shareholder 10 0 VSLA as an easy VSLA as Saving way to Save 10 0 Trainer 10 0

Statistics Charged for Services N Valid Missing 10 0 Charge for Weekly Loan 0 10 Charge for Social Fund 0 10 Charge for Loan 5 7 Charge for Savings 0 10

Statistics Allowed to Withdraw Collateral N Valid Missing 10 0 Savings any time 9 1 Knowledge to Save through Shares 8 2

Frequency Table

Gender Cumulative Frequency Percent Valid Percent Percent

Valid

Male Female

1 9

10 90

10.0 90.0

10.0 100.0

Missing

System Total

0 10

0 100.0

Level of Education Cumulative Frequency Valid Informal Education Primary Level Secodary Level Degree Total Missing System Total 1 3 1 5 10 0 10 Percent 8.3 25.0 8.3 41.7 83.3 0 100.0 Valid Percent 10.0 30.0 10.0 50.0 100.0 Percent 10.0 40.0 50.0 100.0

Age Cumulative Frequency Valid 25 30 32 33 39 47 59 Total Missing System Total 1 3 1 1 2 1 1 10 0 10 Percent 8.3 25.0 8.3 8.3 16.7 8.3 8.3 83.3 0 100.0 Valid Percent 10.0 30.0 10.0 10.0 20.0 10.0 10.0 100.0 Percent 10.0 40.0 50.0 60.0 80.0 90.0 100.0

Owns a Business Cumulative Frequency Valid Yes No Total Missing System Total 7 3 10 2 12 Percent 58.3 25.0 83.3 16.7 100.0 Valid Percent 70.0 30.0 100.0 Percent 70.0 100.0

Type of Business Cumulative Frequency Valid Shopkeeper Green Grocer Sells Clothes Paultry keeping Boda boda Total Missing System Total 2 2 1 1 1 7 5 12 Percent 16.7 16.7 8.3 8.3 8.3 58.3 41.7 100.0 Valid Percent 28.6 28.6 14.3 14.3 14.3 100.0 Percent 28.6 57.1 71.4 85.7 100.0

Time joined Microfinance Institution Cumulative Frequency Valid 2009 2010 2011 2012 3 3 1 3 Percent 25.0 25.0 8.3 25.0 Valid Percent 30.0 30.0 10.0 30.0 Percent 30.0 60.0 70.0 100.0

Total Missing System Total

10 2 12

83.3 16.7 100.0

100.0

Date joined VSLA Cumulative Frequency Valid 2009 2010 2011 2012 Total Missing System Total 1 3 1 5 10 2 12 Percent 8.3 25.0 8.3 41.7 83.3 16.7 100.0 Valid Percent 10.0 30.0 10.0 50.0 100.0 Percent 10.0 40.0 50.0 100.0

Requirements for joining VSLA Cumulative Frequency Valid Must be known by the Villagers Must be a Share Holder Others Total Missing System Total 5 1 10 2 12 41.7 8.3 83.3 16.7 100.0 50.0 10.0 100.0 90.0 100.0 4 Percent 33.3 Valid Percent 40.0 Percent 40.0

Why Joined VSLA Cumulative Frequency Percent Valid Percent Percent

Valid

Easy Financial Services Availability of Short Loans Total

2 8 10 2 12

16.7 66.7 83.3 16.7 100.0

20.0 80.0 100.0

20.0 100.0

Missing

System Total

Shares Held When Joining VSLA Cumulative Frequency Valid 3 5 10 Total Missing System Total 1 6 3 10 2 12 Percent 8.3 50.0 25.0 83.3 16.7 100.0 Valid Percent 10.0 60.0 30.0 100.0 Percent 10.0 70.0 100.0

Amount Paid for Shares Cumulative Frequency Valid 2000.00 10000.00 20000.00 60000.00 Total Missing System Total 1 4 4 1 10 2 12 Percent 8.3 33.3 33.3 8.3 83.3 16.7 100.0 Valid Percent 10.0 40.0 40.0 10.0 100.0 Percent 10.0 50.0 90.0 100.0

Number of Shares Owned

Cumulative Frequency Valid 5 10 45 52 100 120 250 Total Missing System Total 2 1 1 1 2 2 1 10 2 12 Percent 16.7 8.3 8.3 8.3 16.7 16.7 8.3 83.3 16.7 100.0 Valid Percent 20.0 10.0 10.0 10.0 20.0 20.0 10.0 100.0 Percent 20.0 30.0 40.0 50.0 70.0 90.0 100.0

Current Share Price Cumulative Frequency Valid 7000.00 20000.00 50000.00 Total Missing System Total 1 4 5 10 2 12 Percent 8.3 33.3 41.7 83.3 16.7 100.0 Valid Percent 10.0 40.0 50.0 100.0 Percent 10.0 50.0 100.0

Increment of shares Cumulative Frequency Valid Yes No Total Missing System 9 1 10 2 Percent 75.0 8.3 83.3 16.7 Valid Percent 90.0 10.0 100.0 Percent 90.0 100.0

Increment of shares Cumulative Frequency Valid Yes No Total Missing System Total 9 1 10 2 12 Percent 75.0 8.3 83.3 16.7 100.0 Valid Percent 90.0 10.0 100.0 Percent 90.0 100.0

By how much share Increased Cumulative Frequency Valid 10000.00 30000.00 Total Missing System Total 4 5 9 3 12 Percent 33.3 41.7 75.0 25.0 100.0 Valid Percent 44.4 55.6 100.0 Percent 44.4 100.0

Can use all VSLA Services Cumulative Frequency Valid Yes No Total Missing System Total 9 1 10 2 12 Percent 75.0 8.3 83.3 16.7 100.0 Valid Percent 90.0 10.0 100.0 Percent 90.0 100.0

Difference between VSLA and Other Microfinance Cumulative Frequency Valid Easy to make savings Ease of being financed Laws are made by Members Total Missing System Total 5 4 1 10 2 12 Percent 41.7 33.3 8.3 83.3 16.7 100.0 Valid Percent 50.0 40.0 10.0 100.0 Percent 50.0 90.0 100.0

Satisfaction with VSLA Services Cumulative Frequency Valid Missing Highly Satisfied System Total 10 0 10 Percent 100 0 100.0 Valid Percent 100.0 Percent 100.0

Those who take Large Loans Cumulative Frequency Valid Missing No System Total 9 1 10 Percent 90 10 100.0 Valid Percent 100.0 Percent 100.0

Amount of Large Loan Frequency Missing System 10 Percent 100.0

Chairperson's Success Cumulative Frequency Valid Very Good Good Average Total Missing System Total 5 4 1 10 0 12 Percent 41.7 33.3 8.3 83.3 16.7 100.0 Valid Percent 50.0 40.0 10.0 100.0 Percent 50.0 90.0 100.0

Secretary's Success Cumulative Frequency Valid Very Good Good Average Total Missing System Total 6 2 2 10 2 12 Percent 50.0 16.7 16.7 83.3 16.7 100.0 Valid Percent 60.0 20.0 20.0 100.0 Percent 60.0 80.0 100.0

Treasurer's Success Cumulative Frequency Valid Very Good Good Total Missing System Total 6 4 10 0 10 Percent 60 40 100 0 100.0 Valid Percent 60.0 40.0 100.0 Percent 60.0 100.0

Field Officer's Success Cumulative Frequency Valid Very Good Good Average Total Missing System Total 1 4 1 6 4 10 Percent 10 40 10 60.0 50.0 100.0 Valid Percent 16.7 66.7 16.7 100.0 Percent 16.7 83.3 100.0

Who decides on Interest Rate Cumulative Frequency Valid Missing All Share holders System Total 10 2 12 Percent 83.3 16.7 100.0 Valid Percent 100.0 Percent 100.0

Satisfaction with Interest Rate Cumulative Frequency Valid Missing Yes System Total 10 2 12 Percent 83.3 16.7 100.0 Valid Percent 100.0 Percent 100.0

Satisfaction with Decision Making Cumulative Frequency Valid Totally Satisfied Satisfied 8 2 Percent 66.7 16.7 Valid Percent 80.0 20.0 Percent 80.0 100.0

Total Missing System Total

10 2 12

83.3 16.7 100.0

100.0

Informaatio about Social Fund Breaking Cumulative Frequency Valid Yes No Total Missing System Total 4 6 10 2 12 Percent 33.3 50.0 83.3 16.7 100.0 Valid Percent 40.0 60.0 100.0 Percent 40.0 100.0

Reasons for Social Breaking Cumulative Frequency Valid Missing Unpaid Loans System Total 4 8 12 Percent 33.3 66.7 100.0 Valid Percent 100.0 Percent 100.0

Problem of Incompetent Lonees Cumulative Frequency Valid Yes No Total Missing System Total 8 2 10 2 12 Percent 66.7 16.7 83.3 16.7 100.0 Valid Percent 80.0 20.0 100.0 Percent 80.0 100.0

Satisfaction with Sharing of Profits Cumulative Frequency Valid Highly Satisfied Satisfied Total Missing System Total 7 3 10 2 12 Percent 58.3 25.0 83.3 16.7 100.0 Valid Percent 70.0 30.0 100.0 Percent 70.0 100.0

Advatages of being a Share Holders Cumulative Frequency Valid Loans on time Acquiry of new Skills Helps in Saving Total Missing System Total 8 1 1 10 2 12 Percent 66.7 8.3 8.3 83.3 16.7 100.0 Valid Percent 80.0 10.0 10.0 100.0 Percent 80.0 90.0 100.0

Satisfied as a Shareholder Cumulative Frequency Valid Missing Yes System Total 10 2 12 Percent 83.3 16.7 100.0 Valid Percent 100.0 Percent 100.0

VSLA as an easy way to Save

Cumulative Frequency Valid Missing Yes System Total 10 2 12 Percent 83.3 16.7 100.0 Valid Percent 100.0 Percent 100.0

VSLA as Saving Trainer Cumulative Frequency Valid Missing Yes System Total 10 2 12 Percent 83.3 16.7 100.0 Valid Percent 100.0 Percent 100.0

Charged for Services Cumulative Frequency Valid Yes No Total Missing System Total 5 5 10 2 12 Percent 41.7 41.7 83.3 16.7 100.0 Valid Percent 50.0 50.0 100.0 Percent 50.0 100.0

Charge for Weekly Loan Frequency Missing System 12 Percent 100.0

Charge for Social Fund Frequency Percent

Charge for Social Fund Frequency Missing System 12 Percent 100.0

Charge for Loan Cumulative Frequency Valid Missing 1000.00 System Total 5 7 12 Percent 41.7 58.3 100.0 Valid Percent 100.0 Percent 100.0

Charge for Savings Frequency Missing System 12 Percent 100.0

Collateral Cumulative Frequency Valid Yes No Total Missing System Total 4 6 10 2 12 Percent 33.3 50.0 83.3 16.7 100.0 Valid Percent 40.0 60.0 100.0 Percent 40.0 100.0

Allowed to Withdraw Savings any time Cumulative Frequency Valid Yes 7 Percent 58.3 Valid Percent 77.8 Percent 77.8

No Total Missing System Total

2 9 3 12

16.7 75.0 25.0 100.0

22.2 100.0

100.0

Knowledge to Save through Shares Cumulative Frequency Valid Yes No Total Missing System Total 7 1 8 4 12 Percent 58.3 8.3 66.7 33.3 100.0 Valid Percent 87.5 12.5 100.0 Percent 87.5 100.0

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