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 |
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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 | + |