Astor Finance_Final_Survey_Report_Ian Nkata_Uganda

8/14/2019 Astor Finance_Final_Survey_Report_Ian Nkata_Uganda

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Table of Contents

EXECUTIVE SUMMARY....................................................................................................................................................3

1. INTRODUCTION..............................................................................................................................................................7

1.1.ASTOR FINANCE PLC:PRESENT OPERATIONS AND NEEDS .............................................................................................71.2.CDE INVOLVEMENT IN THE FINANCING OF THE SURVEY...............................................................................................71.3.THE LEAD UP TO THE SURVEY,MARKET CONSULTATION AND CHOICE OF CONSULTING FIRM .....................................71.4.SURVEY OBJECTIVES AND KEY RESEARCH QUESTIONS ................................................................................................8

2. SURVEY METHODOLOGY ...........................................................................................................................................9

2.1.CHOICE OF METHODOLOGY...........................................................................................................................................92.2.SURVEY QUESTIONNAIRES ............................................................................................................................................92.3.TRAINING OF RESEARCH ASSISTANTS ...........................................................................................................................92.4.SAMPLING AND SCOPE OF SURVEY..............................................................................................................................102.5.SURVEY SCHEDULE AND FIELDWORK PLAN ................................................................................................................102.6.PROCESSING OF DATA CODING,DATA ENTRY AND ANALYSIS .................................................................................11

3. FINDINGS....................................................................................................................................................................12

3.1.RESPONDENTS .............................................................................................................................................................123.1.1 Gender of Respondents...................................................................................................................................123.1.2 Age of Respondents ........................................................................................................................................12 3.1.3 Have you ever obtained an item through micro leasing?........... ........... ........... .......... ........... .......... ........... ....133.1.4 Main source of income...................................................................................................................................133.1.5 Type of Business Operated .............................................................................................................................143.1.6 Plans to make use of micro-asset leasing.......................................................................................................153.1.7. Value of asset one wants to lease......... ........... .......... ........... .......... ........... .......... ........... .......... ........... .......... ...163.1.8 Initial payment on micro asset .......................................................................................................................173.1.9 Frequency of payments...................................................................................................................................183.1.10 Categories of equipment business people are interested............ ........... ........... .......... ........... .......... ........... ....183.1.11 Reasons given for preferred items/equipment............. .......... ........... .......... ........... ........... .......... ........... .......... .19

3.2 BUSINESS CULTURE .............................................................................................................................................203.4 GENERAL COMMENTS ..........................................................................................................................................263.5.VIEWS FROM OTHER MICRO FINANCIAL INSTITUTIONS AND BUSINESS ASSOCIATIONS .................................................27

4.0 CONCLUDING STATEMENTS AND RECOMMENDATIONS.........................................................................31

APPENDIX A: TERMS OF REFERENCE FOR THE ASSIGNMENT ........................................................................33

APPENDIX B: SURVEY QUESTIONNAIRES................................................................................................................35

APPENDIX C: INTERVIEWER INTRODUCTION LETTER......................................................................................39

APPENDIX D: LIST OF RESPONDENTS AND RESPONDENT INSTITUTIONS....................................................40

APPENDIX E: LIST OF DOCUMENTS REVIEWED....................................................................................................41

APPENDIX F: FIELD SURVEY GUIDELINES FOR RESEARCH ASSISTANTS ....................................................42

APPENDIX G: GENERAL DESCRIPTION OF EQUIPMENT ....................................................................................43


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1. Introduction

1.1. Astor Finance plc : Present Operations and Needs

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1.4. Survey Objectives and Key Research Questions

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2. Survey Methodology

2.1. Choice of Methodology

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2.2. Survey Questionnaires) 2 ' '( 2( 4 2( ) 2 ' () 2 ' ( ) 2 "(

2.3. Training of Research Assistants

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2.4. Sampling and Scope of Survey

The survey targeted 200 people in the general public mainly involved in the operation of small

and micro businesses. It covered such groups of people as market vendors, tailors, motorgarage owners, restaurants, retail shops, various types of workshops, e.t.c. The sample was

randomly drawn from the districts of Mukono, Jinja, Wakiso, Kampala, Masaka and Luweero.

According to the Uganda Bureau of Statistics, A Report on the Uganda Business Register,2003, the selected districts had a high concentration of small business operations. Findings

from the selected districts and locations would be representative of the national picture in terms

of micro- asset needs of small and medium enterprises (SMEs). Due to time limitation andlimited resources, the whole country could not be covered in the survey.

Owing to the diversity of the target respondents, sampling techniques applied were acombination of systematic random sampling and judgmental technique. )

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2.5. Survey Schedule and Fieldwork Plan

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Entebbe Town/Abayita2

Bukoto, Ntinda, Banda, Nakawa3

Nsambya, Makindye, Gaba, Kibuli4

Kamwokya, Downtown Kampala (Central Business District)5

Nakulabye, Nateete, Kasubi


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3. Findings

3.1. Respondents

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3.1.1 Gender of Respondents

Gender of Respondents

n=200

50 50

0

10

20

30

40

50

60

Male Female

Percent

3.1.2 Age of Respondents

Age of Res pondents

n=200

3834.5

24.5

3

0

5

10

15

20

25

30

35

40

18-30 years 31-40 years 41-50 years Over 50 years

Percent

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3.1.3 Have you ever obtained an item through micro leasing?

Have you ever obtained an equipment or item through MicroLeasing Arrangement? n=200

15.5

84.5

0

10

20

30

40

50

60

70

80

90

Yes No

Percent

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Main source of income

Activity Frequency Percent

Wholesaling 3 1.5

Cement dealership 2 1

Brick making 1 0.5

Charcoal dealership 1 0.5

Construction 1 0.5Designing 1 0.5

Repair 1 0.5

Total 200 100

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3.1.5 Type of Business Operated

Type of business operated

Business kind Frequency Percent

Retail shop 42 21

Workshop 22 11

Restaurant 21 10.5

Saloon 16 8

Hardware shop 9 4.5

Market stall 7 3.5

Video library 7 3.5Butchery 5 2.5

Phone booth 5 2.5

Secretarial bureau 5 2.5

Wholesale shop 5 2.5

Lodging 4 2

School 4 2

Taxi service 4 2

Confectionery 3 1.5

Flour mill 3 1.5

Garage 3 1.5

Laundry services 3 1.5

Photo studio 3 1.5

Training centre 3 1.5

Beauty shop 2 1

Carpentry shop 2 1

Catering services 2 1

Drug shop 2 1

Entertainment centre 2 1

Professional services 2 1


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Type of business operated

Business kind Frequency Percent

Recording studio 2 1

Repair services 2 1

Timber store 2 1

Bridal centre 1 0.5

Charcoal stall 1 0.5Cleaning services 1 0.5

Clinic 1 0.5

Communication centre 1 0.5

Driving school 1 0.5

Event services 1 0.5

Fabric shop 1 0.5

Total 200 100

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3.1.7. Value of asset one wants to lease

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What is the value in Uganda shillings of the kind of asset you would like tolease?

Value indicated (UgX) Frequency Valid Percent

6,000,000 4 2.2

7,000,000 3 1.7

1,200,000 2 1.1

3,500,000 2 1.1

8,000,000 2 1.1

170,000 1 0.6

900,000 1 0.6

1,300,000 1 0.6

1,600,000 1 0.6

1,700,000 1 0.6

2,800,000 1 0.6

8,500,000 1 0.6

14,000,000 1 0.6

15,000,000 1 0.6

20,000,000 1 0.6

35,000,000 1 0.6Total 179 100

3.1.8 Initial payment on micro asset

In case you want to get into a micro asset leasing

arrangement, what initial payment would you make of its

value? n=178

51.1

30.3

14.0

4.5

0.0

10.0

20.0

30.0

40.0

50.0

60.0

1-10% 11-20% 21-30% Other

Percent

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3.1.9 Frequency of payments

How often w ould like to make payme nts on this ass et?

n=178

2.8 3.4

46.4

19.0

6.7 5.6

0.6

15.6

0.0

5.0

10.0

15.0

20.0

25.0

30.0

35.0

40.0

45.0

50.0

Weekly Ev ery 2

w eeks

Monthly Every 2

months

Every 3

months

Every 4

months

Every 5

months

Every 6

months

Percent

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3.1.10 Categories of equipment business people are interested

Categories of Equipment people are interested in

Total mention counts = 311

Health

1%

Retail trade and

services

50%

Food processing12%

Transport

9%

Construction/Wood

w ork/Metal w ork

12%

Entertainment/Hospit

ality

13%

Agriculture/Farming

3%


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List of items or equipment interested inItem name Mentions Item name Mentions

l Fridge/Freezers/Coolers 46 28 Digital camera 2

2 Generators 26 29 Projector 2

3 Motor vehicles 20 30 Inverters 2

4 TV Sets 10 31 Cookers 2

5 Welding machines 9 32 Washing machines 2

6 Motor cycles 8 33 Brick making machines 2

7 DVD Players 7 34 Silo 2

8 Photocopiers 7 35Furniture (Tables, Chairs, tents forfunction hiring) 2

9 Weighing scales (Heavy duty) 7 36 Video cameras 2

10 Computers 7 37 Milk cans 2

11Food processors/Juiceextractors 6 38 Ice cream making machines 2

12 Hair driers for saloons 6 39 UPS 2

13 Blow driers for saloons 6 40 Saloon chairs 2

14 Printers 5 41 Incubators 1

15Sewing machines(Manual/Electric) 5 42 Blenders 1

16 Deep fryers 5 43 Micro wave cookers 1

17Meat cutting machines(mincers, fillets, etc) 5 44 Air conditioners 1

18 Decoders/Dishes (Satellite TV) 4 45 Photo processors 1

19 Payphones 4 46 Photo printers 120 Timber cutting machines 4 47 Car jack (Heavy duty) 1

21 Scanners 3 48Furniture (Tables, Chairs forrestaurants) 1

22 Hair clippers/Cutters 3 49Mobile lights (Forfunctions/events/video coverage) 1

23 Metal cutters/benders 3 50 Vacuum cleaners 1

24 Milling machines (maize) 3 51 Spraying cans 1

25 Ovens/Warmers (Electric) 3 52 Laboratory equipment 1

26Furniture (Desks, Chairs forschools) 3 53 Greenhouse net 1

27 Music system 2 54 Screen printers for textiles 1

3.1.11 Reasons given for preferred items/equipment

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Reasons stated for preferred assets

Reason givenIndicative of no. ofmentions Percent

1 Improving capacity of my business to meet growing demand for services/goods 39 19.5

2 To improve business or offer better services 36 18.0

3 To maintain/extend shelf life for perishables like milk/fish/drinks/foods 32 16.0

4 Expanding business operations 26 13.0

5 To improve transport facilities for marketing, delivery, taxi etc 22 11.0

6 To boost income/revenue/sales 16 8.0

7 To take care of power shortage/outage (The case for generators) 10 5.0

8 Attract new customers 10 5.0

9 Improve product quality 9 4.5

10 Diversify into other products/businesses/services/processes 8 4.0

11 To entertain guests (TV, Decoders, Music systems for restaurants etc) 8 4.0

12 Replacing old and used up machines 6 3.0

13 To ease management 5 2.5

14 To improve efficiency in processing goods/services (Productivity) 5 2.5

15 To reduce on operational costs 4 2.0

16 Use of different , more modern machines with ease 3 1.5

17 Offer more employment opportunities to people 2 1.0

18 To compete favorably 1 0.5

3.2 Business Culture42() '1''()03 !*$%&$*,%'?.'=$%


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Do you have a bank account in any financial institution?n=177

80.8

19.2

0

10

20

30

40

50

60

70

80

90

Yes No

Percent

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3.2.2 Do you keep books of accounts?

Do you keep books of Accounts?n=178

64.6

35.4

0

10

20

30

40

50

60

70

Yes No

Percent

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Have you lived or w orke d in this area for 2 or more years?

n=179

88.3

11.7

0

10

20

30

40

50

6070

80

90

100

Yes No

Percent

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Do you have audited accounts?n=179

20.1

79.9

0

10

20

30

40

5060

70

80

90

Yes No

Percent

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Do you have bank statements for the last 6 months?n=175

34.9

65.1

0

10

20

30

40

50

60

70

Yes No

Percent

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Do you have a business plan? n=178

58.4

41.6

0

10

20

30

40

50

60

70

No Yes

Percent

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In event of procee ding with lease plan, do you have a pers on to

w itness contract signing?n=176

64.2

35.8

0

10

20

30

40

50

60

70

Yes No

Percent

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Do you have sound business premises? n=169

78.1

21.9

0

10

20

30

40

50

60

70

80

90

Yes No

Percent

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How else do you expect to finance the asset besides its productivity?

Personal savings?

34%

Buying on credit?

19%

Village bank?

7%

Po oling money from

savings groups?

19%

Contribution from

relatives or spouses?

21%

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3.4 General comments

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3.5. Views from other micro financial institutions and business associations

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4.0 Concluding Statements and Recommendations

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Appendix A: Terms of Reference for the Assignment

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Appendix B: Survey Questionnaires

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Market Survey on Micro Asset Leasing-April 2008Questionnaire Number Location name

Interviewers Name Date of interview

I am undertaking a survey on business operations in this area with the aim of identifying areas in which small businesses

can be supported and assisted in their growth and development. Our main focus is on the aspect of Micro Asset Leasing.

Leasing is a contract through which some uses equipment owned by someone else. The user (the lessee) pays regular

amounts to the owner (the lessor). The main objective of micro asset leasing is to enable members of the public in small

business operations to acquire productive assets. In this case the documents of title/ownership to the asset are retained by

the micro finance institution until full loan is repaid or recovered.

Background information

A1. Gender (1) Male [ ] (2) Female [ ]

A2. How old are you?(1) 18-30 [ ] (2) 31- 40 [ ] (3) 41-50 [ ] (4) Over 51 years [ ]

A3. What is your main source of income? [ ]

Business Operations

A4. What kind of business do you operate? .[ ]

A5. Have you ever obtained an equipment or item through Micro Asset Leasing arrangement? (1) Yes [ ] (If Yes go to

A7) (2) No [ ] (If No go to A6)

A6. If No, do you intend to or plan to obtain one? (1) Yes [ ] (2) No [ ] (Proceed to A7)

A7. What is the value in Uganda Shillings of the kind of asset you would like to lease? (State range) ..

A8. Given the amount stated above, what proportion of this value would be willing to pay as initial payment?

(Deposit of a certain percentage of the cost of the asset) (Say if value of asset is worth 1m/=, how much would be willing

to pay as initial deposit?)

(1) 1-10% [ ] (2) 11-20% [ ] (3) 21-30% [ ] (4) Other .

A9. How frequently would you like to make payments on this asset?

(1) Weekly [ ] (2) Every 2 weeks [ ] (3) Monthly [ ] (4) Every 2 months [ ] (5) Every 3 months [ ]

(6) Every 4 months [ ] (7) Every 5 months [ ] (8) Every 6 months [ ] (9) Other .

A10. There are a number of equipments or tools (items) that you either use in your business or would like to use to realizegrowth and better business performance, name the kind of asset(s) or equipment(s) you would be interested in leasing?

(a) . [ ]

(b) . [ ]

(c) . [ ]


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A11. Why do you prefer these kinds of assets above?

.

Business Management - Financials etc

A12. In event of leasing an asset or equipment we would like to know if you have or done the following.

(a) Bank account (Savings or Current or other with any financial institution) (1) Yes [ ] (2) No [ ]

(b) Keep books of accounts (1) Yes [ ] (2) No [ ]

(c) Lived or worked in the area for 2 years or more (1) Yes [ ] (2) No [ ]

(d) Certificate of incorporation/Business License (1) Yes [ ] (2) No [ ]

(e) Audited accounts (1) Yes [ ] (2) No [ ]

(f) Additional security (1) Yes [ ] (2) No [ ]

(g) Bank statements for the last 6 months (1) Yes [ ] (2) No [ ]

(h) A business plan (1) Yes [ ] (2) No [ ]

(i) A witness to contract signing (1) Yes [ ] (2) No [ ]

(j) Sound business premises (1) Yes [ ] (2) No [ ] (Subject to researchers observation)

A13. In case you leased an asset how else would do you think you would pay back or finance it besides productivity from

the asset itself?

The HOW (1) Yes (2) No

(1) Pooling money from savings groups (ROSCAs)

(2) Contribution from relatives or spouses

(3) Personal savings

(4) Buying on credit

(5) Village Bank

(6) Other specify

General CommentsA13. In event of collaborating with a financial institution and equipment supplier on matters regarding Micro Asset

Leasing, what would be some of your expectations in this experience? .

A14. We would like to know the likes or dislikes for leased micro assets especially people you know who have obtained

these kinds of assets (If any).

Likes Dislikes

1 1

2 2

3 3

4 4

5 5


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A15. Any other comments on how Micro Asset Leasing should be managed or approached to benefit small businesses?

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Appendix C: Interviewer Introduction Letter

!"

1st

April 2008

Dear Sir/Madam,

RE: To Whom It May Concern

This is to introduce to you., who isconducting a survey to determine the need for Micro Asset Leasing Services amongst small

business operators.

The survey is intended to identify possible areas for leasing and also identify the kinds of items orequipment small business operators are interested in and if possible examine reasons as to why

they prefer them.

The above named person has been oriented in basic research ethics and courteous behavior. He

will interview voluntary respondents. Any assistance given to him will be highly appreciated.

We thank you for your assistance.

Yours sincerely,

Consultant


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Appendix D: List of Respondents and Respondent Institutions

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Appendix E: List of Documents Reviewed

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Appendix F: Field Survey Guidelines for Research Assistants

FIELD GUIDELINES

1. Field Movement Plans Survey Locations and Expected QuotasTotal No. of

Respondents

Survey Locations No. of respondents

for each location

No. of

ResearchAssistants

Mukono Mukono Town/Seeta 25 2Day 150

Jinja Jinja Municipality 25 2

Entebbe 12 1

Nakawa Division 13 1

Makindye Division 13 1

Day 2

50 Kampala 1

Kajjansi 12 1

Kampala Central 13 1Rubaga Division 13 1Kawempe Division 12 1

Day 3

50 Kampala 2

Wakiso TC 12 1Masaka Masaka/Nyendo 25 2Day 4

50Luweero Luweero/Wobulenzi 25 2

2. Demographic Expectations per Research Assistant

Age Must be 18 years and over Respondent involved in operating a small business of any acceptable kind mainly, or operating a small

business with plans to expand.

Gender expectations 50% male; 50% female ratio Respondent must be willing to respond (voluntary), if one is not willing when approached for an

interview, find a suitable replacement (Do not over plead to get an interview with someone)

Each assistant is expected to do 50 complete questionnaires with concrete answers covering a numberof locations as stipulated in the above plan. This means that in order to achieve this, you may have to

interview slightly over 50 people, and this also means that you will carry extra questionnaires. On top

of the 50, you may need to add an extra 10.

3. SampleThe respondents will selected randomly basing on the above criteria. This means that respondents will sampled

be using the judgmental sampling method.

4. The approachWhen you approach a potential respondent, you are expected to greet them first, and then state purpose of yourvisit. Before you start the interview, brief them and explain what you are doing, when they have understood

then questions can begin. Assure them that what you are doing is aimed at understanding what people need to

grow their businesses. Tell them that what they tell you will be treated with confidence.

5. General Notes

Ensure that you write down survey location, interviewers name, date of interview Go to survey locations as instructed Take some general notes about other issues that may arise during the investigation plus

challenges faced in general terms in the exercise. Ensure that you fill in the Time Sheet provided by the Supervisor


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Appendix G: General Description of Equipment

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