From the table2, it shows behavior

From the table2, it shows behavior repaid the bank always fully-paid (M=4.6). It can be said that the finding here to confirm the previous studies by Field and Pande (2008). However, it seems is minimum-paid 10% is not behavior because they rarely paid minimum-paid 10% (M=1.5) and they rarely pay some (M=1.45). On the other hand, it does not confirm the information by Chien and Devaney (2001).