LAND/BUSINESS PREMISSES OF THE RESPONDENTS Sr. No 1.

Land Ownership Owned personal (2) Rented/ Hired (1) Not Owned (0) TOTAL Borrowers 123 % NonBorrowers 121 % All Respondents 244 %

37.50

36.89

74.39

2.

21

6.40

20

6.10

41

12.50

3.

20 164

6.10 50

23 164

7.01 50

43 328

13.11 100

Source: Questionnaire Administration 2012/2013 From table 4:9, the responses in respect of owned, rented or not owning land between the borrowers and the non-borrowers of the micro loans are proportionally fair. Both the borrower and non-borrower respondents owning land or business premises constituted 74.39% of all the respondents. 12.50% rents and only 13.11% do not own land or business premises personally. 4.4.7. Farm sizes of the study vulnerable groups Farm sizes may motivate borrowing the micro loans as well efficient for profitable investment. The respondents farm sizes are presented in this table 4:10. TABLE 4:10, FARM SIZES OF THE RESPONDENTS Sr. No 1. 2. 3. 4. 5. Farm Size (Hectares) Less than 1 2 to 4 5 to 7 8 to 10 11 to 13 and above Borrowers 20 38 74 24 8 NonBorrowers 18 30 64 46 6 All Respondents 38 68 138 70 14

% 6.10 11.59 22.56 7.31 2.44

% 5.49 9.15 19.51 14.02 1.83

% 11.58 20.73 42.08 21.34 4.27

TOTAL

164

50.00

164

50

328

100

Source: Questionnaire Administration 2012/2013 The distribution of farm sizes between the borrowers and non-borrowers of the micro loans were equally fair. In both the groups those having farm sizes less than one hectare constitute 11.58%. 20.73% have between 1 to 4 hectares, 42.08% have between 5 to 7 hectares, 21.34% have between 8 to 10 hectares and only 4.27% have farm sizes within 11 to 13 and above hectares. 4.4.8. Farming experiences of the study vulnerable groups Farming experience could be an important factor in borrowing, investment and production. Farming experiences of both borrower and non-borrower respondents are in table 4:11.

TABLE 4:11, FARMING EXPERIENCES OF THE RESPONDENTS Sr. No. 1. 2. 3. 4. 5. Years of farming Never farm 1 to 5 6 to 10 11 to 15 Borrowers 2 8 16 32 106 164 % 0.61 2.44 4.87 9.76 32.32 50.00 NonBorrowers 0 8 18 35 103 164 % 0 2.44 5.49 10.67 31.40 50 All Respondents 2 16 34 67 209 328 % 0.61 4.88 10.37 20.42 63.72 100

16 to 20 and above TOTAL

Source: Questionnaire Administration 2012/2013