TABLE 4.

1
AGE WISE CLASSIFICATION
AGE FREQUENCY PERCENTAGE
Below 25 11 22%
25-30 20 40%
35 and above 19 38%
TOTAL 50 100

INTERPRETATION: From the above table it is observed that 22% of the

respondents are of Below 25 years, 40% of the respondents are of 25-30 years,
38% of the respondents are above 35 years. Therefore, it can be concluded that
the majority of the women’s using microfinance enterprises are between the age
of 25-30 years.

CHART 4.1

AGE WISE CLASSIFICATION

AGE
BELOW 25 25-30 35 AND ABOVE

22%
38%

40%
 TABLE 4.2

QUALIFICATION WISE CLASSIFICATION

QUALIFICATION FREQUENCY PERCENTAGE

Illiterate 2 4%
Primary education 18 36%
Under Graduate 21 42%
Post Graduate 8 16%
Others 1 2%
TOTAL 50 100

INTERPRETATION: From the above table it is observed that 4% of

women respondents are illiterate, 36% of women respondents completed
primary education, 42% of the women respondents completed Under-
Graduation, 16% of women respondents completed Post-Graduation, 2% of
women respondents have other qualification. It can be concluded that majority
of the women respondents using micro finance system are pursuing or qualified
with a UG degree.
 CHART 4.2

QUALIFICATION WISE CLASSIFICATION

QUALIFICATION
ILLETRATE PRIMARY EDUCATION
UNDER GRADUATE POST GRADUATE
OTHERS
2% 4%

16%
36%

42%
 TABLE 4.3

MARITAL STATUS WISE CLASSIFICATION

STATUS FREQUENCY PERCENTAGE

Single 34 68%
Married 16 32%
TOTAL 50 100

INTERPRETATION: From the table 4.3, it shows that nearly 68% of the
respondents are single and 32% of the respondents are married. Thus, the
majority of the respondents are single.

CHART 4.3

MARITAL STATUS WISE CLASSIFICATION

MARITAL STATUS
SINGLE MARRIED

32%

68%
 TABLE 4.4

OCCUPATION WISE CLASSIFICATION

OCCUPATION FREQUENCY PERCENTAGE

Labour/Helper 7 14%
Petty ventures 17 34%
Agriculture/Poultry 6 12%
Unemployed 11 22%
Any other occupation 9 18%
TOTAL 50 100

INTERPRETATION: From the above table it is observed that 14% of

respondents are labour/ helpers, 34% of respondents are petty ventures, 12% of
respondents are under agriculture/ poultry, 22% of respondents are unemployed,
18% of respondents are having other qualifications. Thus, it can be concluded
that majority of the women’s empowered by microfinance enterprises are petty
ventures.
 CHART 4.4

OCCUPPATION WISE CLASSIFICATION

OCCUPATION
LABOUR/HELPER PETTY VENTURES
AGRICULTURE UNEMPLOYED
ANY OTHER OCCUPATION

18% 14%

22% 34%

12%
 TABLE 4.5

ANNUAL INCOME WISE CLASSIFICATION

ANNUAL INCOME FREQUENCY PERCENTAGE

Less than 1 lakh 32 64%
1-2 lakhs 16 32%
More than 2 lakhs 2 4%
TOTAL 50 100

INTERPRETATION: The table 4.5 the annual income wise classification

of the respondents. Out of 50 respondents, 64% of respondents earn an income
less than 1 lakh, 32% of respondents earn an income between 1-2 lakhs, 4% of
the respondents earn an income more than 2 lakhs. Thus, the maximum
percentage of respondents will be in the category of income less than 1 lakh
who are highly financed by microfinance enterprises.

CHART 4.5

ANNUAL INCOME WISE CLASSIFICATION

ANNUAL INCOME
LESS THAN 1 LAKH 1-2 LAKHS MORE THAN 2 LAKHS

4%

32%

64%
 TABLE 4.6

ANNUAL INVESTMENTS WISE CLASSIFICATION

ANNUAL FREQUENCY PERCENTAGE

INVESTMENTS
Less than 25,000 17 34%
25,000-50,000 23 46%
50,000-1,00,000 9 18%
More than 1,00,000 1 2%
TOTAL 50 100

INTERPRETATION: The table above is the annual investments wise

classification of the respondents. Out of 50 respondents, 34% of respondents
invested in the rate less than 25,000, 46% of respondents invested in the rate
between 25,000-50,000, 18% of the respondents invested in the rate between
50,000-1,00,000, 2% of respondents invested in the rate more than 1,00,000.
Thus, the maximum percentage of respondents will be in the category of
investment between 25,000-50,000 who are highly empowered by
microfinance.
 CHART 4.6

ANNUAL INVESTMENT WISE CLASSIFICATION

ANNUAL INVESTMENTS
LESS THAN 25,000 25000-50000
50000-1,00,000 MORE THAN 1,00,000

2%

18% 34%

46%
 TABLE 4.7

INVESTMENT IN MICROFINANCE ENTERPRISE WISE

CLASSIFICATION

INVESTMENT IN FREQUENCY PERCENTAGE

MICROFINANCE
ENTERPRISE
Yes 26 52%
No 24 48%
TOTAL 50 100

INTERPRETATION: The above table shows the performance of women

that they have invested in microfinance enterprises. 52% of women respondents
have invested and 48% of women respondents does not invested in
microfinance enterprise. Thus, it can be concluded that the women’s were
highly invested in microfinance enterprises.
 CHART 4.7

INVESTMENT IN MICROFINANCE ENTERPRISE WISE

CLASSIFICATION

INVESTMENT IN MICROFINANCE
ENTERPRISES
YES NO

48%
52%
 TABLE 4.8

STREAMS TO KNOW ABOUT MICROFINANCE

ENTERPRISES WISE CLASSIFICATION

STREAMS FREQUENCY PERCENTAGE

Advertisement 5 10%
Friends/family 16 32%
Banking institutions 20 40%
Financial services 8 16%
None of the above 1 2%
TOTAL 50 100

INTERPRETATION: The above table 4.8 classifies the streams by which

the respondents are aware of the program of microfinance. Out of 50
respondents 10% of women respondents are aware of microfinance in the
stream of advertisement, 32% of women respondents are aware of friends and
family, 40% of women respondents are aware of the microfinance enterprise in
the means of banking institutions, 16% of women respondents are aware about
the microfinance services from none of the above streams. Thus, it can be
concluded that women respondents are highly aware about the microfinance
enterprises by the stream of banking institutions.
 CHART 4.8

STREAMS TO KNOW ABOUT MICROFINANCE

ENTERPRISE WISE CLASSIFICATION

HOW DO YOU COME TO KNOW ABOUT

MICROFINANCE ENTERPRISES
ADVRTISEMENT FRIENDS/FAMILY
BANKING INSTITUTION FINANCIAL SERVICES
NONE OF THE ABOVE
2% 10%

16%
32%
40%
 TABLE 4.9
PREFERENCE OF SOURCE OF LOAN WISE
CLASSIFICATION
SOURCE OF LOAN FREQUENCY PERCENTAGE
Bank 25 50%
Credit institutions 11 22%
Non-Governmental 12 24%
Organisations
Others 2 4%
TOTAL 50 100

INTERPRETATION: From the table it is observed that 50% of

respondents are preferring the source of loan from banks, 22% of respondents
prefer their loan from credit institutions, 24% of respondents prefer non-
governmental organisations for loans, 4% of respondents prefer other sources
for loans. Thus, it can be concluded that majority of the women respondents
prefer banks for their source of loan.

CHART 4.9
PREFERENCE OF SOURCE OF LOAN WISE
CLASSIFICATION

PREFERENCE OF LOAN
BANK CREDIT INSTITUTIONS NGO OTHERS

4%

24%
50%

22%
 TABLE 4.10
SATISFACTION WITH LOAN RATE WISE
CLASSIFICATION
SATISFACTION FREQUENCY PERCENTAGE
Yes 28 56%
No 22 44%
TOTAL 50 100

INTERPRETATION: The above table determines the satisfaction of

women respondents to the loan rate. 56% of women respondents are satisfied
with the loan rate and 44% of women respondents are not satisfied with the loan
rate. Thus, it is concluded that women’s are highly satisfied with the loan rate.

CHART 4.10

SATISFACTION WITH LOAN RATE WISE

CLASSIFICATION

SATISFACTION WITH LOAN

RATE
Series1

28
22

YES NO
 TABLE 4.11

PURPOSE OF LOAN WISE CLASSIFICATION

PURPOSE OF FREQUENCY PERCENTAGE

LOAN
Personal 8 16%
Medical 9 18%
Education 22 44%
Marriage 9 18%
Others 2 4%
TOTAL 50 100

INTERPRETATION: From the above table it can be observed the purpose

for which loans are taken. 16% of respondents take loans for personal usage,
18% of respondents take loans for medical purpose, 44% of respondents take
loans for the purpose of education, 18% of respondents take loans for the
purpose of marriage, 4% of respondents take loans for other purposes. Thus, it
can be observed that most of the respondents prefer loans for the purpose of
education.
 CHART 4.11

PURPOSE OF LOAN WISE CLASSIFICATION

PURPOSE OF LOAN
PERSONAL MEDICAL EDUCATION MARRIAGE OTHERS

4%
16%
18%

18%

44%
 TABLE 4.12

BENEFIT OF MICROFINANCE WISE

CLASSIFICATION

BENEFITS FREQUENCY PERCENTAGE

Loan 7 14%
Women empowerment 18 36%
Skill development 15 30%
Others 10 20%
TOTAL 50 100

INTERPRETATION: The table determines the benefits for the women’s

after joining microfinance enterprises. 14% of women respondents are benefited
with the source of loan, 36% of women respondents are benefitted with the
empowerment of women, 30% of women respondents are benefitted with skills
development, 20% of women respondents are benefitted with other benefits.
Thus, it can be observed that the women respondents are highly benefitted with
the women empowerment after joining microfinance enterprise.
 CHART 4.12

BENEFIT OF MICROFINANCE WISE

CLASSIFICATION

BENEFIT OF JOINING MICROFINANCE

ENTERPRISES
LOAN WOMENS EMPOWERMENT
SKILL DEVELOPMENT OTHERS

20% 14%

30% 36%
 TABLE 4.13

INVOLVEMENT OF MICROFINANCE PROGRAM WISE

CLASSIFICATION

MICROFINANCE FREQUENCY PERCENTAGE

PROGRAM
Micro credit 4 8
Savings and checking 15 30
account
Payment systems 12 24
Micro insurance 9 18
Self-help groups 9 18
Others 1 2
TOTAL 50 100

INTERPRETATION: The above table 4.13 contains the microfinance

programmes involved by the women respondents. 8% of respondents are
involved in micro credit, 30% of respondents involved in the program of
savings and checking account, 24% of respondents are involved in payment
systems, 18% of respondents involved in micro insurance, 18% of respondents
are involved in self-help groups, 2% of respondents are involved in other
programmes. Thus, it can be concluded that the respondents are highly involved
in savings and checking account.
 CHART 4.13

INVOLVEMENT OF MICROFINANCE PROGRAM WISE

CLASSIFICATION

MICROFINANCE PROGRAM YOU INVOLVED

MICROCREDIT SAVINGS AND CHECKING ACC
PAYMENT SYSTEMS MICRO INSURANCE
SELF HELP GROUPS OTHERS

2%

8%
18%

30%
18%

24%