6-10 years 20%
above 10 years 18%
1-5 years 36%
less than 1 year 26%
Table 4:4 indicates that 26% of the respondents had spent less than one year in the organization, 36% had a 1-5 years’ experience, 20% had spent 6-10 years, while 18% had spent more than 10 years in the organization. This shows that the majority of the respondents had spent more than one year working the organization.
4.3 Collateral requirement
The results below show the collateral requirements by MFIs in order to award loans to their clients.
Table 4.4 Collateral requirement by MFI
Collateral requirement Min Max Mean
The requirement of collateral by finance institutions depends on the performance of a business?
The type of business of the client affect the collateral requirements by MFI’s
Average mean 33.83
1 4 35.5 31.82
Collateral requirement by MFI’s affects the growth of MFI’s 1 4 32 27.26
1 4 34 26.73
From the table above, the perception of the respondents in relation to the collateral requirement by MFOS is significant (M=35.5) and requirement of collateral in relation to the performance of the business is also taken in to account (M=53.46). The type of business undertaken by the client also affect requirement of collateral by MFI (M = 53.46)
4.5 Unbanked/ small scale savers
The assessment of small scale savers who operate with MFIs was carried out and the results were as indicated in the table 4:11 that follow.
Table 4.5 Small scale/ unbanked savers (Mean and Standard Deviations)
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