Variables | Unit of Measurement | Average | ||||
Total | Borrower | Non-Borrower | Liquidity Non-Constrained | Liquidity Constrained | ||
Gender | Dummy, 1 for Male, 0 for female | 0.81 (0.39) | 0.78 (0.417) | 0.82 (3.83) | 0.85 (0.361) | 0.79 (0.406) |
Age | Years | 40.2 (13.1) | 39 (11.56) | 40.5 (13.39) | 39.55 (11.88) | 40.62 (13.77) |
Marital Status | Dummy, 1 for married, 0 for other | 0.8 (0.397) | 0.78 (0.417) | 0.81 (0.393) | 0.82 (0.385) | 0.79 (0.405) |
Household Size | Number of people | 5.2 (2.329) | 5.47 (2.24) | 5.15 (2.35) | 5.17 (2.36) | 5.24 (2.31) |
Education | Dummy, 1 for primary level and above, 0 for other | 0.5 (0.497) | 0.43 (0.496) | 0.45 (0.498) | 0.6 (0.49) | 0.35 (0.476) |
Wealth | Dummy, 1 for poor, 0 for other | 0.6 (0.496) | 0.53 (0.5) | 0.57 (0.498) | 0.35 (0.476) | 0.70 (0.458) |
Location | kilometers | 18.7 (18.7) | 17.7 (17.38) | 18.9 (19.02) | 18.04 (21.11) | 19.12 (17.01) |
Enterprise Age | Years | 7.66 (8.83) | 6.57 (7.86) | 7.92 (9.03) | 7.56 (8.28) | 7.73 (9.18) |
Sector | Dummy, 1 for trade/manufacturing, 0 for service | 0.04 (0.2) | 0.95 (0.21) | 0.88 (0.32) | 0.89 (0.319) | 0.91 (0.293) |