Literacy levels of the study vulnerable groups Literacy levels could determine the amounts to utilise and correlates

with participation. Table 4:8 presents the educational qualifications of the respondents. TABLE 4:8, LITERACY LEVEL OF THE RESPONDENTS Sr. No. 1. 2. 3. 4. 5. 6. Highest literacy level Illiterate (None) Arabic Education Adult Education Primary Education Secondary Education Tertiary Education TOTAL Borrowers % 20 30 30 25 49 10 164 6.10 9.15 9.15 7.62 14.93 3.05 50.00 NonBorrowers 14 15 14 61 45 15 164 % 4.27 4.57 4.27 18.60 13.72 4.57 50 All Respondents 34 45 44 86 94 25 328 % 10.37 13.72 13.41 26.22 28.66 7.62 100

Source: Questionnaire Administration 2012/2013 Out of the 164 borrowers 6.10% were illiterate, 9.15% each, Arabic educations and adult educations. 7.62% primary school and the highest borrowers were secondary education having 14.93%. Only 3.05% were borrowers with tertiary education. Among the nonborrowers primary education holder constitutes highest with 18.60 followed by secondary education having 13.72%. All the remaining falls on either 4.57% or 4.27%. Of the whole responding population secondary and primary education with 28.66% and 26.22% respectively dominated the respondents, while tertiary education having 7.63% possess the least group.

4.4.6. Title to land and business premises of the study vulnerable groups Owning land or business premises forms a good background for micro loan investment. It may also motivate vulnerable people to apt for the micro loans. Table 4:9 presents the respondents land and premises ownership statuses. TABLE 4:9, TITLE TO 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.