Table 3.

Profiles of the clients in the sample.

Variable		Non-performing financing (N = 50)		Performing financing (N = 90)		Total (N = 140)
		Sub-total	% to N	Sub-total	% to N	Sub-total	% to N
Age	21–35	1	2.0	8	8.9	9	6.4
	36–55	42	84.0	75	83.3	117	83.6
	56–70	7	14.0	7	7.8	14	10.0
	Total		100.0		100.0		100.0
Gender	Female	20	40.0	73	81.1	93	66.4
	Male	30	60.0	17	18.9	47	33.6
	Total		100.0		100.0		100.0
Education level	Upper Middle Class	45	90.0	80	88.9	125	89.3
	Lower Middle Class	5	10.0	10	11.1	15	10.7
	Total		100.0		100.0		100.0
Occupation	Formal	7	14.0	5	5.6	12	8.6
	Informal	43	86.0	85	94.4	128	91.4
	Total		100.0		100.0		100.0
Distance	Far (11–25 km)	11	22.0	20	22.2	31	22.1
	Close (1–10 km	39	78.0	70	77.8	109	77.9
	Total		100.0		100.0		100.0
Location	City	22	44.0	54	60.0	76	54.3
	District	28	56.0	36	40.0	64	45.7
	Total		100.0		100.0		100.0
Type of contract	PLS	42	84.0	30	33.3	72	51.4
	Non-PLS	8	16.0	60	66.7	68	48.6
	Total		100.0		100.0		100.0
Total Financing	Less than 3,000,000 IDR	5	10.0	24	26.7	29	20.7
	3,000,001–8,000,000 IDR	16	32.0	37	41.1	53	37.8
	8,000,001–18,000,000 IDR	11	22.0	15	16.7	26	18.6
	18,000,001–30,000,000 IDR	10	20.0	10	11.1	20	14.3
	>30,000,000 IDR	8	16.0	4	4.4	12	8.6
	Total		100.0		100.0		100.0