A Systems View Across Time and Space
Variable | Coef. | z | P >|z| |
---|---|---|---|
Business Experience | 0.7231269 | 2.22 | 0.026 |
Enterprise size | 0.7541259 | 1.70 | 0.090 |
Sectoral engagement | Manufacturing sector as a reference | ||
Trade sector | 0.3925442 | 0.33 | 0.743 |
Construction sector | − 0.3608476 | − 0.40 | 0.688 |
Service sector | 0.8627145 | 0.83 | 0.406 |
Agriculture sector | − 0.0308395 | − 0.03 | 0.972 |
Collateral | 0.1644788 | 0.17 | 0.867 |
Gender | − 0.9507408 | − 1.08 | 0.282 |
Education | Vocational and university as reference | ||
Secondary | − 0.8487665 | − 1.62 | 0.106 |
Elementary | − 0.1442227 | − 0.27 | 0.789 |
No formal education | 0.9305616 | 0.69 | 0.487 |
Interest rate | − 0.9658867 | − 2.52 | 0.012 |
Loan repayment period | − 0.8612572 | − 1.60 | 0.110 |
Financial report | 1.588894 | 3.33 | 0.001 |
Lending procedure | 0.3281761 | 0.69 | 0.491 |
Formal registration | 0.5670824 | 1.46 | 0.144 |
Business plan | 0.9532479 | 1.99 | 0.047 |
Location | Assosa Wereda as a reference | ||
Bambasi | 1.047531 | 1.81 | 0.071 |
Menge | 0.7714974 | 1.21 | 0.225 |
Homosha | 0.2143832 | 0.26 | 0.798 |
Number of institutions | 0.0998386 | 0.21 | 0.832 |
Inverse mills ratio | − 2.077474 | − 1.27 | 0.203 |
Constant | 0.9660338 | 0.28 | 0.780 |