Entrepreneurial experiences of the study vulnerable groups Experiences enterprises are important factor in borrowing, investment and productivity.

Table 4:12 presents the experiences of the respondents. TABLE 4:12, ENTREPRENEURIAL EXPERIENCES OF THE RESPONDENTS Sr. No. 1. 2. 3. 4. 5. Entrepreneu rial Experience (Years) Never operated 1 to 5 6 to 10 11 to 15 Borrowers % 100 32 16 8 8 164 30.49 9.76 4.88 2.44 2.44 50 NonBorrowers 100 35 18 8 3 164 % All Respondents 200 67 34 16 11 328 %

30.49 10.67 5.49 2.44 0.91 50

60.98 20.42 10.37 4.88 3.35 100

16 to 20 and above TOTAL

Source: Questionnaire Administration 2012/2013 It is seen from this table that 30.49% each of both the borrower and the non-borrower respondents have no entrepreneurial experiences; this means 60.98% of all the vulnerable groups have no business experiences. However, only 3.35% of the respondents had 16 to 20 and above years of experiences. The trends of business experiences of both the borrowers and the non-borrowers are closely related in that 2.44% of each groups had experiences of 11 to 15 years. 20.42% had 1 to 5 years and 10.37% had 6 to 10 years experiences. 4.4.10. Occupational categories of the study vulnerable groups Occupations of the vulnerable groups play important role in micro credit businesses. Based on the NACRDB objectives, agriculturally based occupations are given priority. Table 4:13 are the occupations of the respondents.

TABLE 4:13, THE MAIN OCCUPATIONAL CATEGORIS OF THE RESPONDENTS Sr. No Occupation BorrowCategories ers % NonBorrowers % All % Respondents

1. 2. 3. 4. 5. 6.

Farming Technical Work Trading Labourer Salary Work Others Not Specified

92 16 6 5 42 3 164

28.04 9.76 3.66 1.52 12.81 0.91 50

74 22 31 17 20 0 164

22.56 6.71 9.45 5.18 6.10 0.00 50

166 38 37 22 62 3 328

50.61 11.59 11.28 6.71 18.90 0.91 100

TOTAL

Source: Questionnaire Administration 2012/2013