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)