| Variable | Categories | Code | Percent | VIF |
| Credit Usage | Currently have credit | C-1 | 37.60 |
|
| Used to have credit | C-2 | 28.70 |
| |
| Never had credit | C-3 | 33.70 |
| |
| Source of financial advice | Self | A-1 | 42.00 | 1.011 |
| Friends/Family | A-2 | 41.50 |
| |
| Bank | A-3 | 6.70 |
| |
| ROSCA/Chama | A-4 | 2.50 |
| |
| SACCO | A-5 | 1.30 |
| |
| Don't Know | A-6 | 1.30 |
| |
| Radio | A-7 | 1.50 |
| |
| Others | A-8 | 3.10 |
| |
| Characteristics of financial instrument | Keep most money | FI-1 | 10.90 | 1.00 |
| Easily accessed | FI-2 | 33.80 |
| |
| Helps in Emergencies | FI-3 | 18.00 |
| |
| Most trusted | FI-4 | 12.00 |
| |
| Use most often | FI-5 | 6.00 |
| |
| Money to invest | FI-6 | 0.80 |
| |
| Safest | FI-7 | 8.70 |
| |
| Others | FI-8 | 9.90 |
| |
| Most trusted | Bank | T-1 | 40.50 | 1.088 |
| Mobile Money | T-2 | 25.40 |
| |
| SACCO | T-3 | 8.20 |
| |
| ROSCA/Chama | T-4 | 5.00 |
| |
| FinTech (Mshwari/KCB Mpesa) | T-5 | 3.20 |
| |
| Microfinance | T-6 | 1.80 |
| |
| None | T-7 | 13.50 |
| |
| Others | T-8 | 2.60 |
| |
| Provider with highest interest rate | Bank | IR-1 | 39.00 | 1.099 |
| SACCO | IR-2 | 7.50 |
| |
| Microfinance | IR-3 | 7.30 |
| |
| Informal moneylender | IR-4 | 2.40 |
| |
| Shylock | IR-5 | 3.00 |
| |
| ROSCA/chama | IR-6 | 3.00 |
| |
| FinTech (Mshwari/KCB MPesa) | IR-7 | 3.90 |
| |
| Do not know | IR-8 | 33.70 |
|