Strongly Disagree

Disagree

Not Sure

Agree

Strong Agree

Lack of Collateral

N

1

5

4

259

31

%

0.3%

1.6%

1.3%

86.3%

10.3%

Mean

4.37%

SD

0.719

Lack of Business Plan

N

111

100

1

87

1

%

37.1%

33.3%

0.3%

29.0%

0.3%

Mean

2.7

SD

1.116

Interest Rates

N

0

0

1

97

202

%

0.0%

0%

3.6%

56.0%

403%

Mean

4.94

SD

0.131

Loan Duration

N

13

7

0

171

107

%

3.0%

5.7%

0.0%

65.3%

23.7%

Mean

4.43

SD

0.521

Laws/Regulations

N

22

207

20

34

17

%

7.3%

68.3%

6.7%

11.3%

5.6%

Mean

2.17

SD

0.711