| Variables | Nature | Description |
| Access to credit (AC) | Dependent | 1 if entrepreneur have access to credit and 0 if not |
| Collateral Security (CS) | Independent | 1 if the entrepreneur doesn’t have a collateral security and 0 if otherwise |
| Sustainable enterprise (SE) | Dependent | It evaluates the productivity of SMEs |
| Source of credit | Independent | It is a dummy variable where (1 = yes and 0 = no) ● Bank ● Financial institution like MF ● Cooperatives ● NGO’S |
| Political instability | Independent | 1 if there is Political instability and 0 if not |
| Duration of credit | Independent | 1 if the length of time to reimburse the loan is quiet long and 0 if otherwise |
| Size of credit | Independent | Dummy variable where (1 = yes and 0 = no) ● Large ● Medium ● Small |
| Number of credits obtained | Independent | 1 if the entrepreneur has applied for a loan before and 0 if otherwise |
| Usage of the credit | Independent | 1 if for creation of an enterprise and 0 if otherwise |
| Savings | Independent | 1 if the entrepreneur has savings and 0 if otherwise |