Variable

Description

Frequency

Percent

Gender Male 171 59.20

Female 118 30.70

Age 18 - 25 58 20.10

26 - 35 115 39.80

36 - 45 67 23.20

46 - 55 37 12.80

Above 55 12 4.20

Education Primary 26 6.80

Level Secondary 83 28.70

Tertiary 180 62.30

Employment Unemployed 27 9.30

Status Self Employed 90 31.10

Formally Employed 172 59.50

M-banking Yes 214 74.0

Use No 75 26.0

Frequency of use Always 66 22.80

Often 75 26.0

Sometimes 59 20.40

Rarely 16 5.5

Never 73 25.30