| Characteristics | Categories | Frequency | Percentage |
| Amount of loan | 50,000 | 14 | 13.1 |
| 100,000 | 18 | 16.8 | |
| 150,000 | 12 | 11.2 | |
| 200,000 | 27 | 25.2 | |
| 300,000 | 17 | 15.9 | |
| 500,000 | 19 | 17.8 | |
| Number of years | 1 - 2 | 14 | 13.1 |
| 3 - 5 | 57 | 53.3 | |
| 6 - 8 | 33 | 30.8 | |
| 9 - 10 | 3 | 2.8 | |
| Number of times | 2 | 14 | 13.1 |
| 3 | 18 | 16.8 | |
| 4 | 39 | 36.4 | |
| 5 | 34 | 31.8 | |
| more than 6 | 2 | 1.9 | |
| Loan utilizer | Himself/herself | 33 | 30.8 |
| Spouse | 74 | 69.2 |