| Value | Category |
|---|---|
| 1 | Saves time |
| 2 | Transaction is less cumbersome |
| 3 | Proximity |
| 4 | Knows the collector personally |
| 5 | Will be able to collect loan easily from susu collector |
| 6 | Service charges are minimal |
| 7 | Little or no minimum deposit with susu |
| 8 | Other |
| 9 | Don't have an ID card |
| 10 | No reason |
| 11 | Have no knowledge of banking system |
| Sysmiss |