| Variables | Description of the variables | Measurements | Expected sign |
| Dependent Variable |
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|
|
| Crdtacc | Credit access | Dummy (1 = Yes, 0 = No) | +/− |
| Int crdtacc | Amount of credit accessible | Amount of capital invested (Discrete) | +/− |
| Independent Variable |
|
|
|
| Age | Age of the respondent | Continuous | +/− |
| Sex | Gender of the respondent | Dummy (1 = M, 0 = F) | +/− |
| Edu | Education level | number of years in school | +/− |
| Hsesiz | Household size | Number of individuals | +/− |
| Marst | Marital status | Categorical (1 = s, 2 = m, 3 = d, 4 = w) | + |
| Inclev | off-firm Income | Dummy (1 = Yes, 0 = No) | +/− |
| Exp | Experience in agri-enterprises | Dummy (1 = Yes, 0 = No) | +/− |
| Entsiz | Size of the enterprise | Continuous | + |
| Infoacc | Access to credit information | Dummy (1 = Yes, 0 = No) | +/− |
| Grpmember | Group membership | Dummy (1 = Yes, 0 = No) | +/− |
| Accland | Access to land | Dummy (1 = Yes, 0 = No) | +/− |
| Entrain | access entrepreneurship training | Dummy (1 = Yes, 0 = No) | +/− |
| Notrn | number of trainings youth attended | Discrete | + |
| Finacc | Access to financial Institutions | Dummy (1 = Yes, 0 = No) | +/− |
| Collat | Availability of collaterals | Dummy 1 = Yes, 2 = No | +/− |
| Pbp | Loan payback period | Continuous | +/− |
| Lnhist | previous default in loan payment | Dummy (1 = Yes, 2 = No) | +/− |
| Rcdkng | means of keeping enterprise records | Discrete | + |