Table 2.
Characteristics related to the levelof education and legal determinants of the difficult repayment of agriculturalcredits by debtors of the MC2 Bayangam
|
| Juridical determinants |
Levels of school education |
|
|
| Not been in school |
Primary school |
Secondary school |
University |
Total |
|
|
| n =13 |
% |
n=49 |
% |
n=36 |
% |
n=2 |
% |
n=100 |
% |
|
|
| Conditions of access to credits |
|
|
|
| Binding |
8 |
61.54 |
26 |
53.06 |
27 |
75.00 |
2 |
100.00 |
63 |
63.00 |
|
| Non-binding |
5 |
38.46 |
23 |
46.94 |
9 |
25.00 |
0 |
00.00 |
37 |
37.00 |
|
|
| Acceptable warranty |
|
|
|
| Have |
2 |
15.38 |
28 |
57.14 |
18 |
50.00 |
1 |
50.00 |
49 |
49.00 |
|
| Do not have |
11 |
84.62 |
21 |
42.86 |
18 |
50.00 |
1 |
50.00 |
51 |
51.00 |
|
|
| Financial Cavalry |
|
|
|
| Practice |
4 |
30.77 |
28 |
57.14 |
5 |
13.89 |
0 |
00.00 |
37 |
37.00 |
|
| Do not practice |
9 |
69.23 |
21 |
42.86 |
31 |
86.11 |
2 |
100.00 |
63 |
63.00 |
|
|
| Proceedings for the prosecution of debtors at the MC2 |
|
|
|
| Binding |
13 |
100.00 |
45 |
91.84 |
34 |
94.44 |
2 |
100.00 |
94 |
94.00 |
|
| Non-binding |
0 |
00.00 |
4 |
08.16 |
2 |
05.56 |
0 |
00.00 |
6 |
06.00 |
|
|
| Misappropriation of the object of credit |
|
|
|
|
| Divert |
8 |
61.54 |
19 |
38.78 |
13 |
36.11 |
0 |
00.00 |
40 |
40.00 |
|
| Do not divert |
5 |
38.46 |
30 |
61.22 |
23 |
63.89 |
2 |
100.00 |
60 |
60.00 |
|
|
Note that: n = number of participants for each level of study (in higher mage); % = marginal fre-quencies column of legal determinants; N = total sample size; %T = Total frequencies out of 100
|
|
