| Estimate | P-value | R Square | ||||
| Credit Decision for lending SMEs | <-- | Character | 0.329 | *** | 0.426 | |
| Credit Decision for lending SMEs | <-- | Collateral | 0.041 | 0.387 | ||
| Credit Decision for lending SMEs | <-- | Capacity | 0.168 | 0.006 | ||
| Credit Decision for lending SMEs | <-- | Capital Size | 0.200 | 0.039 | ||
| Credit Decision for lending SMEs | <-- | Condition | −0.025 | 0.719 | ||