salary_frequency

Cumulative
Frequency Percent Valid Percent Percent
Valid once 269 91.2 91.2 91.2
twice 14 4.7 4.7 95.9
>2times 12 4.1 4.1 100.0
Total 295 100.0 100.0

Majority of the companies (91.2%) have a salary frequency of once a month while 4.7% have one
of twice a month and the rest more than 2 times a month.

Area
Cumulative
Frequency Percent Valid Percent Percent
Valid rural 61 20.7 20.7 20.7
urban 234 79.3 79.3 100.0
Total 295 100.0 100.0

Majority (79.3%) are in urban areas while the rest are in rural areas.
Gender
Cumulative
Frequency Percent Valid Percent Percent
Valid male 160 54.2 54.2 54.2
female 135 45.8 45.8 100.0
Total 295 100.0 100.0

Majority (54.2%) of the employees are males and the rest females.

age_bracket
Cumulative
Frequency Percent Valid Percent Percent
Valid above_40 69 23.4 23.4 23.4
31_40 153 51.9 51.9 75.3
26-30 72 24.4 24.4 99.7
18_25 1 .3 .3 100.0
Total 295 100.0 100.0

Majority of the employees (51.9%) are between ages 31 and 40 while 23.4% are above 40 years,
24.4% are within 26 and 30 years while only one employee is in age range 18 to 25.
 gross_salary
Cumulative
Frequency Percent Valid Percent Percent
Valid above_5m 4 1.4 1.4 1.4
3m_5m 18 6.1 6.1 7.5
1m_3m 95 32.2 32.2 39.7
500001_1m 123 41.7 41.7 81.4
<=500,000 55 18.6 18.6 100.0
Total 295 100.0 100.0

41.7% of the employees lie within 500001 and 1m shillings while 32.2% are within 1m and 3m
shillings. 18.7% earn less than 500,000 shillings with 6.1% between 3m and 5m shillings. Very
few of the companies (1.4%) pay above 5m shillings.
yes_no
Cumulative
Frequency Percent Valid Percent Percent
Valid No 11 3.7 3.7 3.7
Yes 284 96.3 96.3 100.0
Total 295 100.0 100.0

age_bracket * gross_salary Crosstabulation

Count
gross_salary
above_5m 3m_5m 1m_3m 500001_1m <=500,000 Total
age_bracket above_40 4 9 29 21 6 69
31_40 0 8 52 68 25 153
26-30 0 1 14 33 24 72
18_25 0 0 0 1 0 1
Total 4 18 95 123 55 295
 Relationship between area and gross salary
Area * gross_salary Crosstabulation
Count
gross_salary
above_5m 3m_5m 1m_3m 500001_1m <=500,000 Total
Area rural 1 2 12 36 10 61
urban 3 16 83 87 45 234
Total 4 18 95 123 55 295

Chi-Square Tests
Asymptotic
Significance (2- Exact Sig. (2-
Value df sided) sided)
Pearson Chi-Square 10.543a 4 .032 .032
Likelihood Ratio 10.699 4 .030 .036
Fisher's Exact Test 10.358 .027
N of Valid Cases 295
a. 3 cells (30.0%) have expected count less than 5. The minimum expected count
is .83.

Since the Fisher’s exact test (0.027) is less than 0.05, there’s a significant association between the
area and gross-salary.

Relationship between area and salary frequency

Area * salary_frequency Crosstabulation

Count
salary_frequency
once twice >2times Total
Area rural 59 2 0 61
urban 210 12 12 234
Total 269 14 12 295
Chi-Square Tests
Asymptotic
Significance (2- Exact Sig. (2- Exact Sig. (1-
Value df sided) sided) sided) Point Probability
Pearson Chi-Square 3.735a 2 .154 .151
Likelihood Ratio 6.195 2 .045 .087
Fisher's Exact Test 3.516 .175
Linear-by-Linear Association 3.651 b
1 .056 .069 .029 .020
N of Valid Cases 295
a. 2 cells (33.3%) have expected count less than 5. The minimum expected count is 2.48.
b. The standardized statistic is 1.911.

Since Fisher’s Exact test (0.175) is greater than 0.05, there’s no relationship between area and
salary frequency.

Statistics
Monthly eStatement Minimum Salary
Interest Internet Mobile ATM Charges s Balances Loans
N Valid 284 284 284 284 284 284 284 284

Missing 11 11 11 11 11 11 11 11

Mode 5 1 5 5 5 5 5 5
 Interest Easy
Proposed Benefit
on Zero access to
deposit Internet Mobile ATM Monthly Free e- Minimum Salary
balances Banking Banking Card Charges statements Balance Loans Average
No.  15  121 64  17  3  101  26  20   
1
%tage  5.3  42.6  22.5  6.0  1.1  35.6  9.2  7.0  
No.  45  32  20  7  12  37  17  8  
2
%tage  15.8  11.3  7.0  2.5  4.2  13.0  6.0  2.8  
No.  15  3  8  11  8  8  18  5  
3
%tage  5.3  1.1  2.8  3.9  2.8  2.8  6.3  1.8  
No.  7  8  16  12  6  7  7  7  
4
%tage  2.5  2.8  5.6  4.2  2.1  2.5  2.5  2.5  
No.  202  120  176  237  255  131  216  244  
5
%tage  71.1  42.3  62.0  83.5  89.8  46.1  76.1  85.9