Gender of the Respondents
1 = Female
2 = Male

Age group of the respondents
1 = 20-29 years
2 = 30-39 years
3 = 40-49 years
4 = 50 years and above

Education level of the respondents
2 = Degree and above
3 = Diploma
4 = Secondary Level
5 = Primary Level and below

Period spent with the bank
1 = Less than 5 years
2 = 5-10 years
3 = 11 and above years

1 = Loans Officer
2 = Bank Client

Restructuring procedures require a relatively long period of time before achieving recovery
1 = Strongly Disagree
2 = Disagree
3 = Neutral
4 = Agree
5 = Strongly Agree