| Variables | SACCOS | VICOBA | ROSCAs | Total |
| Gender of respondents | ||||
| Male | 38 (19.5) | 28 (14.4) | 16 (8.2) | 82 (42.1) |
| Female | 56 (28.7) | 34 (17.4) | 23 (11.8) | 113 (57.9) |
| Age of respondents | ||||
| Below 30 years | 26 (13.3) | 12 (6.2) | 15 (7.7) | 53 (27.2) |
| Between 30 - 60 years | 55 (28.2) | 40 (20.5) | 16 (8.2) | 111 (56.9) |
| Above 60 years | 13 (6.7) | 10 (5.1) | 8 (4.1) | 15 (15.9) |
| Marital status of respondents | ||||
| Married | 76 (39.0) | 52 (26.7) | 34 (17.4) | 162 (83.1) |
| Single | 9 (4.6) | 3 (1.5) | 0 (0.0) | 12 (6.2) |
| Separate | 0 (0.0) | 3 (1.5) | 3 (1.5) | 6 (3.1) |
| Widow | 9 (4.6) | 4 (2.1) | 2 (1.0) | 15 (7.7) |
| Education of respondents | ||||
| No formal education | 1 (0.5) | 1 (0.5) | 0 (0.0) | 2 (1.0) |
| Primary education | 4 (2.1) | 1 (0.5) | 2 (1.0) | 7 (3.6) |
| Secondary education | 33 (16.9) | 19 (9.7) | 12 (6.2) | 64 (32.8) |
| Tertiary education | 56 (28.7) | 41 (21.0) | 25 (12.8) | 122 (62.6) |