| 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 | Services charges are minimal | 
| 7 | Little or no minimum deposit with susu | 
| 8 | Others | 
| 9 | Saving to open account | 
| 10 | Do not trust the banks | 
| Sysmiss |