| Value | Category | 
|---|---|
| 1 | Saves time | 
| 2 | Transaction is less cumbersome | 
| 3 | Proximity | 
| 4 | Knows the collector personally | 
| 5 | Will be able to collect loan easily from susu collector | 
| 6 | Service charges are minimal | 
| 7 | Little or no minimum deposit with susu | 
| 95 | Other - Specify |