Table 2 Results of Wilcoxon test on the difference between the mean scores of perception and expectations

Affordable interest rate

6.74

3.75*

Flexibility of guarantee

6.34

3.39*

Geographical proximity of microfinance institution

6.58

3.31*

Consideration of the farming calendar for the grace period

6.48

3.85*

Obtaining the amount requested

6.38

3.92*

Flexibility in the requirements of identity documents

5.98

1.39*

Credit granting to individuals

6.29

3.84*

Exemption from processing fees and other fees

6.32

1.05*

Timely processing of credit applications

6.64

3.32*