| Factors | Coefficient (β) | Robust std error | Z | P > z | Exponential (β) | Marginal effect | VIF |
| Gender | −0.098 | −0.294 | −0.33 | 0.739 | 0.907 | −0.015 | 2.62 |
| Age | −0.015 | 0.007 | −2.14 | 0.032 | 0.985 | −0.002 | 2.48 |
| Marital Status | −0.304 | 0.299 | −1.02 | 0.308 | 0.737 | −0.048 | 1.36 |
| Household Size | 0.091 | 0.034 | 2.66 | 0.008 | 1.096 | 0.014 | 1.25 |
| Education | −0.224 | 0.165 | −1.36 | 0.174 | 0.799 | −0.033 | 1.24 |
| Poverty status | −0.264 | 0.156 | −1.69 | 0.090 | 0.768 | −0.039 | 1.21 |
| Location | −0.004 | 0.004 | −1.06 | 0.287 | 0.996 | −0.001 | 1.12 |
| Enterprise Age | −0.015 | 0.01 | −1.52 | 0.128 | 0.984 | −0.002 | 1.05 |
| Sector | 1.02 | 0.326 | 3.13 | 0.002 | 2.77 | 0.117 | 1.01 |
| Constant | −1.52 | 0.461 | −3.30 | 0.001 | 0.219 |
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| Number of Observations | 1234 |
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| Wald Chi-square (9) | 32.43 |
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| Prob > Chi-square | 0.000 |
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| Pseudo R2 | 0.0268 |
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| Log Likelihood | −588.884 |
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