Variable

Frequency

Percentage

Longevity in business (years)

0 - 4

5 - 9

Above 10

106

110

78

36.1

37.4

26.5

Sector of activity

Trading

Manufacturing

Service provision

Agriculture

163

35

7

25

55.4

12.0

24.1

8.5

Registration of business

Yes

No

229

65

77.9

22.1

Number of employees

0 - 5

6 - 11

12 - 17

Above 18

143

126

18

7

48.6

42.9

6.1

2.4

Availability of business plan

Yes

No

221

73

75.2

24.8

Collateral security availability

Yes

No

104

190

35.4

64.6

Access to credit

Personal savings

Bank credit/loans

Family and friends

Njangi houses

107

17

93

77

36.4

5.8

31.6

26.2