Coefficient

Robust St. Error

Female Owner

−0.126

0.068

Number of Days Closed

−0.105***

0.030

Comingled Finances Before Natural Disasters

−0.069

0.041

Suffered Catastrophic Damage of Disasters

−0.060***

0.013

Received SBA Loan

0.640

0.377

Received Loan Delays from Creditors

0.281***

0.086

Constant

1.893***

0.354

Coefficient

Robust St. Error

Marginal Effect

Female Owner

0.189**

0.044

6.25%

Number of Days Closed

0.040***

0.006

1.31%

Comingled Finances After Natural Disasters

−0.791***

0.119

−26.20%

Delay Due to Damaged Business Assets

0.213**

0.074

7.06%

Delay Due to Government Support

−0.333**

0.119

−11.03%

Exogenous Shock after Natural Disasters

−0.367**

0.138

−12.15%

Received SBA Loan

0.029

0.023

0.95%

Received Loan Delays from Creditors

0.107

0.061

3.55%

Constant

1.260**

0.431

Rho

1.000

0.000