CHAPTER FOUR: PRESENTATION OF KEY
FINDINGS AND DATA ANALYSIS
4.1. INTRODUCTION
This chapter concerns the presentation of findings from the
research project. The data have been collected from self-administered
questionnaires and observation on the field to explore the women projects. The
data collected have been tabulated and analyzed by descriptive statistics.
4.2. IDENTIFICATION OF
PARTICIPANTS
Participants to our research were identified according to some
socio-demographics variables. These are the sex, age, marital status, education
level, and employment status, which are synthesized in the below table. These
variables affect the use of savings and credit operations.
1. Identification of respondents
Table2. Identification of
respondents
|
|
Category
|
Number of respondents
|
Percentage
|
|
Gender
|
Male
|
0
|
0
|
|
Female
|
64
|
100
|
|
Total
|
64
|
100
|
|
Age
|
18-35Years
|
21
|
32.8
|
|
36-45Years
|
41
|
64.1
|
|
46-60Years
|
2
|
3.1
|
|
Above 60 Years
|
0
|
0
|
|
Total
|
64
|
100
|
|
Marital status
|
Single
|
2
|
3.1
|
|
Married
|
26
|
40.6
|
|
Widow
|
36
|
56.3
|
|
Divorced
|
0
|
0
|
|
Total
|
64
|
100
|
|
Level of education
|
Primary school
|
62
|
94.3
|
|
Secondary
|
0
|
0
|
|
High education
|
0
|
0
|
|
Other
|
2
|
3.1
|
|
Total
|
64
|
100
|
|
Employment status
|
Self-employed
|
59
|
92.2
|
|
Employed
|
5
|
7.8
|
|
Unemployed
|
0
|
0
|
|
Student
|
0
|
0
|
|
Total
|
64
|
100
|
Source: Primary data.
INTERPRETATION
According to the variable sex, all respondents were women, and
they should generate the needed information for research, as the topic focused
on women only.
According to the variable age, most of respondents
are ranged between 18-35 years, representing 32.8% and 36-45Years representing
64.1%. This meets the fact that the above category represents the active
population in general; while above 45 years of respondents have 3.1%, which
means that this group characterized by the dependent category and they do not
owing business.
With regard to the marital status, the married group showed
40.6%, and Widower group represent 56.3%, and became higher involved in savings
and credit operations rather than the single one. The explanation behind is
that the single population is less charged than the married and widower group,
in terms of people who are/are not dependents on them. The person who has to
satisfy the needs of many people has to increase his incomes.
From the above table, results show that people with primary
level constitutes 96.9% of the respondents. Thus, 3.1% of respondents
represents category of others. The others group includes those who attend adult
education or never attended school. We explain these findings as a result of
the microfinance's institutions deal with low income projects.
Reference made to employment status, the high number of
respondents (92.2%) is self-employed, whereas the employed represent the small
group with 7.8%. These results match with the Rwandan government initiatives
which encourage people not to look at State of employment, but to set up their
own business (entrepreneurship).
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