Variables Female Male
Age Frequency Percentage % Frequency Percentage %
11 – 20 1 3.7 2 2.4
21 – 30 4 14.8 17 20.5
31 – 40 8 29.6 30 36.5
41 – 50 9 33.3 26 31.3
51 – 60 5 18.5 8 9.6
Marital Status        
Single 4 14.8 14 16.9
Married 11 40.7 69 83.1
Divorced 7 25.9 0 0
Widowed 5 18.5 0 0
Level of Education        
Non formal 7 25.9 57 68.7
Primary 10 37.0 15 18.1
Secondary 3 11.1 0 0
Tertiary 7 25.9 11 13.3
Religion        
Christian 14 51.9 12 14.5
Islam 13 48.1 68 81.9
Traditional 0 0 3 3.6
Ethnicity        
Yoruba 22 81.5 13 15.7
Igbo 1 3.7 1 1.2
Hausa 4 14.8 69 83.1
Access to Credit Facilities        
No 13 48.1 77 92.8
YES 14 51.9 6 7.2
Sources of Credit Facilities        
Banks 0 0 1 1.2
Cooperative 4 14.8 1 1.2
Contribution 11 40.7 3 3.6
Personal saving 8 29.6 66 79.5
Friends 0 0 1 1.2
Government 4 14.8 11 13.3
Table 1: Distribution of Personal Characteristics of Respondents.