Questionnaires Administered in the Study Local Government Areas.

Guided by the pattern of sampled respondents distribution of table 1:1 and table 1:2 of chapter one, what was actually administered in the study area is presented here in table 4:3 TABLE 4:3, PATTERN OF QUESTIONNAIRES ADMINISTRATION EXERCISE Local Govt. Areas MMC Jere Bama Konduga Gwoza Askira/ Uba Biu Hawul Damboa Chibock TOTAL Questionnaires Administered 20 25 60 30 30 45 50 40 35 20 355 Not Returned Returned Rejected Accepted % Questionnaires 18 25 57 26 28 42 45 37 33 17 328 5.49 7.62 17.38 7.93 8.54 12.81 13.72 11.28 10.06 5.18 100

2 0 2 2 1 0 3 3 1 2 16

18 25 58 28 29 45 47 37 34 18 339

0 0 1 2 1 3 2 0 1 1 11

Source: Field work 2012/2013 A total number of 355 questionnaires were administered out of which 16 missed, returned 339 out of which 11 rejected, thus 328 acceptably valid for the study.

The combined information from reconnaissance survey, oral interviews with the bank officials and questionnaire administration on the respondents the data gathered are presented and discussed in proceedings of this chapter.

4.4. Profiles of the Vulnerable Groups Respondents. Profiles of the sampled respondents were obtained to confirm the vulnerability of the study population. The profiles data solicited on the responding vulnerable groups comprise of the ages, gender, marital statuses, family sizes, literacy levels, title to land or business premises, farm sizes, farming experiences, entrepreneurial experiences, occupational categories and distances of the clients to the NACRDB branches. It vitally includes the physical, mental and social impediments qualifying vulnerability of the study respondents.