3.4.2 Instrumentation The choice of a tool and instrument depends mainly on the attributes of the subjects, research topic, problem question, objectives, design, expected data and results. The study shall collect data from respondents on the factors that affect growth of microfinance institutions in Kenya. Primary data was gathered directly from respondents. The researcher used questionnaires which consisted of close and open ended questions. Data was collected using questionnaires because it enables the researcher to collect information more easily and within reasonable time (Kombo and Tromp, 2006). Cooper & Schindler (2006) observed that, a questionnaire defines the problem and the specific study objectives of a study. Questionnaire items may be closed ended or open ended type. This study will use the internet, journals, books, and annual reports obtained from the MFIs. Secondary data was also used to compliment the findings of this study.
Once the questionnaires were administered, the raw data was systematically organized in a manner that facilitated analysis. The data was thereafter cleaned, coded, keyed-in into a computer and analyzed. Both quantitative and qualitative techniques were used to analyze the
data. Qualitative analysis will be conducted on the open-ended questions and content analysis will be conducted by grouping the responses in accordance to common themes. Responses to close-ended questions were analyzed using excel spreadsheets. To permit quantitative analysis, the data was converted to numerical codes representing attributes or measurement of the variables. Descriptive statistics can then be run. This includes percentages and frequencies. Mean and standard deviation will also be analyzed to measure central tendencies and dispersion in responses. Where factors need to be grouped and ranked, a Likert scale will be employed both in data collection and analysis (Likert, 1998). Tables, Pie charts and other graphs shall be used as appropriate to present the data collected for ease of understanding and analysis. Explanations to the tables and graphs and analysis of the content matter on open-ended questions will be done in prose
4.0 Results and findings of the study
4.2 Background information 4.2.1 Response rate:
Table 4:1 Response Rate
4.1 Introduction This chapter presents the major findings of the study in relation to the study objectives. The findings have been organized starting with the background information of the respondents, followed by requirement of collateral, the networks among the MFI’s, and lastly the unbanked (small scale savers).
The chapter was guided by the following research objectives;
i.) To examine the effect of collateral requirements on the growth of MFIs.
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