Strongly Disagree

Disagree

Not Sure

Agree

Strong Agree

Lack of Collateral

N

11

55

25

109

111

%

3.6%

18.3%

8.3%

36.3%

37.0%

Mean

4.50%

SD

1.309

Lack of Business Plan

N

4

9

16

57

217

%

0.3%

3.0%

5.6%

19.0%

72.3%

Mean

4.77

SD

0.716

Interest Rates

N

0

4

11

168

121

%

0.0%

1.3%

3.6%

56.0%

40.3%

Mean

4.47

SD

1.231

Loan Duration

N

9

17

7

196

71

%

3.0%

5.7%

2.3%

6.3%

23.7%

Mean

3.97

SD

0.379

Laws/Regulations

N

110

167

12

7

4

%

36.7%

55.7%

4.0%

2.3%

1.3%

Mean

2.17

SD

0.134