“…All the methods have been directed at the objective of simplifying the underlying endogenous relationships between latent measurements of the variable, in order to forfeit complexity for discernment. This study uses select variables out of a total of 35 factors, as overlaid by Khan, Siddiqui, Saeed & Azam (2020) and general understanding of the thematic contribution through IRT. 5 = none Loan size 1 = 5,000-10,000 Bandyopadhyay (2011) 2 = 10,000-15,000 Banu et al (2000) 3 = 15,000-20,000 Bechetti (2010) 4 = 20,000-25,000 Hashemi et al (1996) 5 = 25,000-more Parveen ( 2007 (Albouy et al, 2010).…”