Member of an association (Yes = 1, No = 0)

0.395***

1.484***

0.557***

1.746***

0.167

1.182

(0.137)

(0.203)

(0.166)

(0.290)

(0.265)

(0.314)

Instruction (Yes = 1, No = 0)

−0.0769

0.926

−0.0712

0.931

−0.334

0.716

(0.193)

(0.178)

(0.222)

(0.207)

(0.423)

(0.303)

Having a tax declaration of existence (Yes = 1, No = 0)

2.689***

14.71***

3.998***

54.47***

2.147***

8.560***

(0.307)

(4.515)

(0.771)

(42.01)

(0.439)

(3.760)

Professional training (Yes = 1, No = 0)

0.0317

1.032

0.0437

1.045

0.148

1.160

(0.190)

(0.196)

(0.223)

(0.233)

(0.382)

(0.443)

Marital status (Married = 1, Single = 0)

0.104

1.109

0.867***

2.380***

−0.570*

0.566*

(0.200)

(0.222)

(0.290)

(0.690)

(0.299)

(0.169)

Gender (M = 1, F = 0)

0.0525

1.054

−0.358*

0.699*

0.493*

1.638*

(0.168)

(0.177)

(0.212)

(0.148)

(0.298)

(0.488)

Age

−0.000818

0.999

0.000204

1.000

−5.06e−05

1.000

(0.00662)

(0.00662)

(0.00936)

(0.00936)

(0.00847)

(0.00847)

Length of time in the business

−0.00328

0.997

0.00858

1.009

−0.0314

0.969

(0.00949)

(0.00946)

(0.0120)

(0.0121)

(0.0200)

(0.0194)

Country (CIV = 0, BF = 1)

0.253

1.288

(0.171)

(0.220)

Constant

−1.838***

0.159***

−2.635***

0.0717***

−0.662

0.516

(0.493)

(0.0784)

(0.604)

(0.0433)

(0.820)

(0.423)

Observations

1,113

1,113

742

742

371

371