CHAPTER FOUR:

DATA PROCESSING & ANALYSIS

4.1 Introduction
This chapter presents and analyzes information gathered from the field using questionnaires. The
data is examined to highlight respondent responses through various graphical representations.
These visual tools provide a clear and concise understanding of the findings. The analysis
includes different types of charts and graphs to illustrate key trends and patterns.

4.2 Demographic characteristics of respondents

The respondents’ demographic characteristics include; Age, Gender, Level of education, Type of
Informal Work, Monthly Average Income, Household Size, Mobile Phone Ownership.

4.2.1 Sex of the respondents

sex

40%
60%

male female

Figure 1 sex of respondent

In 60 respondents, 40% identified as female and 60% as male, revealing a gender distribution
tilted towards males. This difference highlights the necessity for subtle consideration of gender
dynamics in data interpretation, which could impact analytical methods and interventions
targeting diverse gender demographics within the studied population. The findings underscore
the importance of comprehending gender representation in research contexts to ensure thorough
and fair analysis of demographic factor.
4.2.2 Age of the respondent
Age group 18-24 25-31 32-37
frequency 44 15 1

Figure 2 Age of the respondents

The survey of 60 respondents revealed a varied age distribution: a significant portion were aged
between 18 and 24 years (73.3%), followed by those aged 25 to 31 years (25%), and 1% of 32 to
37. This highlights a predominant representation of younger adults, particularly those aged 18
and 24, within the sampled population. Understanding these age demographics is crucial for
interpreting findings related to preferences, behaviors, or societal trends across different stages of
adulthood.

4.2.3 Educational level

Educational level frequency
No formal education 11
secondary 9
diploma 27
Degree and above 13

Figure 3 educational level

The largest group (45%) hold diplomas, suggesting moderate educational attainment among
participants. However, 18.3% have no formal education, highlighting a potential barrier to digital
financial literacy.
4.2.4 Type of Informal Work
Type of Market Street Home- Transport other
work vendor trader based service
business
frequency 15 16 15 7 6

Figure 4 type of informal work

Street traders and home-based businesses make up a significant portion, reflecting the variety in
informal sector occupations.

4.2.5 Monthly Average Income (USD)

income frequency
Less than $50 19
$50-$100 24
101-200 11
201-300 6
Above $300 0

Figure 5 monthly average income

The majority earn below $100/month, showing the limited financial capacity within, 19
respondents earn less than $50, 24 respondents earn $50-100, 11 respondents earn between $101
and $200, while only 6 respondents earn between $201 and $300 monthly.

4.2.6 Mobile phone ownership

phone type

13 16 feature phone
smart phone
advance smartphone

31

Figure 6 type of mobile phone they use

Over half use basic smartphones, supporting access to mobile banking apps. However, 26.7%
still use feature phones, which may limit mobile banking usage.

4.3 Analysis of Independent Variables (Factors Affecting Mobile Banking

Use)
4.3.1 Ease of use for business transactions
1 Ease of use for business
transactions
Responses Frequency Percentage %
Strongly agree 48 80
Agree 11 18.3
Neutral 0 0
Disagree 1 1.7
Strongly disagree 0 0
Total 60 100
Table 1Ease of use for business transactions
Most people (48 out of 60) said that mobile banking is very easy to use. Only one person
disagreed. This shows that mobile banking systems like Zaad and E-Dahab are user-friendly.
People can complete their business transactions without problems.

4.3.2 Helps manage business finance better

2 Helps manage business finance
better
Responses Frequency Percentage %
Strongly agree 47 78.3
Agree 11 18.3
Neutral 1 1.7
Disagree 1 1.7
Strongly disagree 0 0
Total 60 100
Table 2 helps manage business finance better

The majority agreed that mobile banking helps them handle money in their business. It makes
things like tracking payments and income easier. Only a small number found it difficult or were
unsure.

4.3.3 Confident using without help

3 Confident using without help
Responses Frequency Percentage%
Strongly agree 47 78.3
Agree 10 16.7
Neutral 1 1.7
Disagree 2 3.3
Strongly disagree 0 0
Total 60 100
Table 3 Confident using without help

Almost everyone feels confident using mobile banking on their own. This means most informal
workers do not need help and understand the app or service well. It shows high self-reliance
among users.
4.3.4 Trust in safety of money and information
4 Trust in safety of money and
information
Responses Frequency Percentage
Strongly agree 52 86.6
Agree 6 10
Neutral 1 1.7
Disagree 1 1.7
Strongly disagree 0 0
Total 60 100
Table 4Trust in safety of money and information

Most people strongly believe that their money and personal data are safe with mobile banking.
Only two people had concerns. This high level of trust is important for continued use of the
service.

4.3.5 Network and electricity reliability

Network and electricity reliability
Responses Frequency Percentage
Strongly agree 26 43.3
Agree 22 36.7
Neutral 9 15
Disagree 3 5
Strongly disagree 0 0
Total 60 100
Table 5Network and electricity reliability

Many people agreed that the network and power are usually good, but a few said they have
issues. This means that while access is generally stable, some still face service interruptions.

4.3.6 Clear usage instructions

Clear usage instructions
Responses Frequency Percentage
Strongly agree 47 78.3
Agree 12 20
Neutral 0 0
Disagree 1 1.7
Strongly disagree 0 0
Total 60 100
Table 6 Clear usage instructions
Most respondents said they receive easy-to-understand guidance when using mobile banking.
Only one person disagreed. This makes it easier for people with different education levels to use
the service.

4.3.7 Frequent use in business

7 Frequent use in business
Responses Frequency Percentage
Strongly agree 43 71.7
Agree 14 23.3
Neutral 2 3.3
Disagree 1 1.7
Strongly disagree 0 0
Total 60 100
Table 7 Frequent use in business

A large number of people use mobile banking often for their business. This shows that mobile
money is becoming a normal part of doing business in the informal sector.

4.3.8 Reasonable fees and charges

8 Reasonable fees and charges
Responses Frequency Percentage
Strongly agree 10 16.7
Agree 18 30
Neutral 28 46.7
Disagree 4 6.6
Strongly disagree 0 0
Total 60 100
Table 8 reasonable fees and charges

Opinions on fees were mixed. While some agreed the charges are fair, many stayed neutral, and
a few disagreed. This might mean some users don’t understand the fees or think they are a bit
high.

4.3.9 Helpful customer support

9 Helpful customer support
Responses Frequency Percentage
Strongly agree 46 76.7
Agree 11 18.3
Neutral 2 3.3
Disagree 1 1.7
Strongly disagree 0 0
Total 60 100
Table 9 Helpful customer support
Most users said that customer service is helpful when they face issues. Very few had negative
experiences. Good support helps build trust and solves problems quickly.

4.3.10 Promotions encourage usage

Promotions encourage usage
Responses Frequency Percentage
Strongly agree 26 43.3
Agree 4 6.7
Neutral 7 11.7
Disagree 14 23.3
Strongly disagree 9 15
Total 60 100
Table 10 Promotions encourage usage
Responses were divided. Some said rewards encourage them, but many disagreed or were
unsure. This means promotions may not be very effective in encouraging more usage among
users.

4.4 Outcomes of Mobile Banking Use

4.4.1 Improved access financial service
Responses Frequency Percentage
Strongly agree 46 76.7
Agree 11 18.3
Neutral 2 3.3
Disagree 1 1.7
Strongly disagree 0 0
Total 60 100
Table 11 Improved access financial service
Most respondents said that mobile banking helped them access services such as saving money
and making payments. Only one person disagreed. This means mobile banking is helping people
join the formal financial system.

4.4.2 Helped save money regularly

Responses Frequency Percentage
Strongly agree 45 75
Agree 12 20
Neutral 1 1.7
Disagree 2 3.3
Strongly disagree 0 0
 Total 60 100
Table 12 Helped save money regularly

Almost all respondents said that mobile banking helps them save more often. Only a few said it
didn’t help. This means it supports better saving habits among informal workers.

4.4.3 Reduce risk of losing cash

Responses Frequency Percentage
Strongly agree 48 80
Agree 9 15
Neutral 3 5
Disagree 0 0
Strongly disagree 0 0
Total 60 100
Table 13 Reduce risk of losing cash
Most people feel safer using mobile banking because they don’t carry cash. This reduces the
chance of money being lost or stolen. It adds a sense of security to business operations.

4.4.4 Faster payments

Responses Frequency Percentage
Strongly agree 50 83.3
Agree 9 15
Neutral 0 0
Disagree 1 1.7
Strongly disagree 0 0
Total 60 100
Table 14 Faster payments
Almost everyone agrees that mobile banking makes payments quicker. This helps businesses
work more smoothly and reduces delays. Only one person disagreed.

4.4.5 Reaches more customers

Responses Frequency Percentage
Strongly agree 49 81.6
Agree 9 15
Neutral 1 1.7
Disagree 1 1.7
Strongly disagree 0 0
Total 60 100
Table 15 Reaches more customers
Most respondents said mobile banking allows them to connect with more customers, even those
far away. This expands their business reach and increases opportunities.
4.4.6 Business revenue increased
Responses Frequency Percentage
Strongly agree 23 38.3
Agree 17 28.4
Neutral 15 25
Disagree 4 6.6
Strongly disagree 1 1.7
Total 60 100
Table 16 Business revenue increased
Some respondents said their income improved after using mobile banking, but others were
unsure. A few disagreed. This means the impact on revenue depends on the type of business and
how mobile banking is used.

4.4.7 Confidence in investing

Responses Frequency Percentage
Strongly agree 45 75
Agree 10 16.7
Neutral 4 6.6
Disagree 1 1.7
Strongly disagree 0 0
Total 60 100
Table 17 Confidence in investing
A large number of users feel more comfortable taking risks and investing in new ideas because
they can rely on mobile banking. This builds business growth and confidence.

4.4.8 More financially secure

Responses Frequency Percentage
Strongly agree 43 71.7
Agree 14 23.3
Neutral 2 3.3
Disagree 1 1.7
Strongly disagree 0 0
Total 60 100
Table 18 More financially secure
Most people feel financially safer because they can use mobile banking anytime. This means
they can access their money even in emergencies, increasing their financial stability.
4.4.9 Easier access to loans
Responses Frequency Percentage
Strongly agree 42 70
Agree 16 26.6
Neutral 1 1.7
Disagree 1 1.7
Strongly disagree 0 0
Total 60 100
Table 19 Easier access to loans
Most respondents said that mobile banking helped them get access to small loans or credit. This
is an important step toward financial inclusion and support during difficult times.

4.4.10 Helps recover from shocks

Responses Frequency Percentage
Strongly agree 43 71.7
Agree 16 26.6
Neutral 1 1.7
Disagree 0 0
Strongly disagree 0 0
Total 60 100
Table 20 Helps recover from shocks
Nearly everyone agreed that mobile banking helped them bounce back from emergencies. It
allows quick access to funds and helps during difficult periods like illness or loss.