Questionnaire
Dear respondent,
You are kindly requested to fill the questionnaire below with utmost honesty. Information
provided herein will not be used against you under whatsoever circumstances. Please do not
provide any form of identity on this questionnaire. Thank you.
SECTION A: BACKGROUND INFORMATION
1 Gender Male
Female
[ ]
[ ]
Select the
most
appropriate
2 Age bracket 18 – 20
21 – 25
26 – 30
>30
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[ ]
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Select the
most
appropriate
3 How long
have you been
in this type of
business?
___________(months or years)
State the
length of
time taken
so far
4 Highest
academic
level attained
Primary
O-Level
Certificate
Diploma
Degree
Masters
PhD
Any other
[ ]
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Select one
Kindly rate the following statements to the extent to which you agree in regard to how collateral
affects access to credit by women owned enterprises.
KEY: SA- Strongly Agree, A: Agree, UD-Undecided, D: Disagree, SD: Strongly Disagree
SECTION B: EFFECTS OF EDUCATION LEVELS ON ACCESS TO CREDIT
1 Learned women can manage business
better than un-learned women
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
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Select the
most
appropriate
2 Learned women who own businesses can
easily get access to credit than unlearned
women
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
3 Learned women can easily form groups
and manage to secure loans from MFIs
SA
A
UD
[ ]
[ ]
[ ]
Select the
most
appropriate
D
SD
[ ]
[ ]
4 Most women in the region have very
little education background hence issuing
loans to them is risky
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
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Select the
most
appropriate
5 Women have no time for extra business
training hence they cannot grow a
business
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
SECTION C: EFFECTS OF LOW INCOME ON ACCESS TO CREDIT
1 Income generated from a business has an
impact on the ability to secure credit
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
2 Low-income earning businesses are
likely to get loans if well managed
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
3 Low-income earning businesses are
likely to have problems with loan
repayments
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
4 Low-income earning businesses are
likely to collapse should they default to
repay loans over a period of time
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
SECTION D: EFFECTS OF INTEREST RATES ON ACCESS TO CREDIT
1 Interest rates determine access to credit
by women who own business enterprises
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
2 Interest rates affect repayment
consistency hence affecting credit worthy
of women who own business enterprises
SA
A
UD
D
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
SD [ ]
3 High interest rates contribute to collapse
of businesses owned by women
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
4 High interest rates contribute to
reluctance to pursue credit by women
who own businesses
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
SECTION E: EFFECTS OF CULTURE ON ACCESS TO CREDIT
1 Women are not allowed to own assets
such as land which they can use as
collaterals for loans
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
2 Women are not allowed to engage in
income generating activities since men
are the ones meant to participate in such
activities
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
3 Women who own businesses do not get
support from their husbands in the
business
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
4 Women who own businesses share
responsibilities at home with their
husbands
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
5 Women who own businesses fail to
access credit because of cultural barriers
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
SECTION F: EFFECTS OF ACCESS TO CREDIT ON BUSINESS GROWTH
Access to credit has enabled women
entrepreneurs to increase the range of
products they sell
SA
A
UD
D
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
SD [ ]
Access to credit has enabled women
entrepreneurs to increase the range of
services they sell
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
Access to credit has enabled women
entrepreneurs open more business outlets
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
Access to credit has enabled small scale
women-owned businesses increase sales
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
Access to credit has enabled women
entrepreneurs to hire more
man-power/employees so as to manage
their business enterprises effectively
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
Access to credit has had a negative
impact on their social life and hence a
negative impact on their business growth.
SA
A
UD
D
SD
[ ]
[ ]
[ ]
[ ]
[ ]
Select the
most
appropriate
Thank you for taking your time to participate in this study. God bless.
Appendix II: Interview Schedule
1. Roughly how many women clients bank proceeds from their businesses with your MFI?
2. How frequent do you receive women clients in need of loans to expand their businesses?
3. Do your female clients seek credit services for seed capital or expansion?
4. How frequent do you encounter learned women seeking credit?
5. How frequent do you carry out awareness in the community with regards to credit
availability?
6. How frequent do women lenders default to repay their loans?
7. What reasons do the women loan defaulters give for defaulting?
8. What would you about the interest rates charged by your MFI?
9. Is the income generated by businesses owned by women lenders able to sustain the
businesses during loan repayment?
10. What type of collaterals do women lenders issue?
11. Are the collaterals owned by the women or by their husbands?
12. Are there scenarios where husbands to these women carrying out businesses have denied
them access to collaterals for loans?
13. What is your overall take on women who own business enterprises and their access to
credit?
