| Value | Category |
|---|---|
| 1 | Formal Banks (commercial/ development) |
| 2 | Micro finance institutions |
| 3 | Saving groups and cooperatives (VSLA, SACCO) |
| 4 | Money lender |
| 5 | Relative |
| 6 | Friend, family |
| 7 | Local money lender |
| 8 | Mobile service provider |
| 9 | Burial society |
| 10 | Credit institutions |
| 11 | Other (Specify) |