Obstacles Most often Often Always Never Lack of quality information 27 (28.7) 10 (10.6) 15 (16.0) 42 (44.7) 94
(100%)
Inadequate credit scoring 50 (49.0) 15 (14.7) 12 (11.8) 25 (24.5) 102
(100%)
Behaviour cannot evaluate 20 (18.0) 29 (26.1) 30 (27.0) 32 (28.8) 111
(100%)
Informality Management 30 (30.3) 24 (24.2) 25 (25.3) 20 (20.2) 99
(100%)
Total 127 78 82 119 406
Source: primary data