| Variable | Description |
| Dependent variable: | |
| Capital change | The difference between current and beginning capital |
| Independent variable: | |
| 1) Age | Age of respondents (in years) |
| 2) Sex | Sex of respondents |
| 3) Education | Educational level of respondents |
| 4) Marital status | Marital status of respondents |
| 5) Beginning capital | Beginning capital (in birr) |
| 6) Current capital | Current capital (in birr) |
| 7) Customer visit | Frequency of customer visit |
| 8) Profitability of business | Satisfactions level on profitability of business |
| 9) Receiving feedback | Habit of receiving feedback from customer |
| 10) Government motivation | Motivation give the government |
| 11) Monthly profit | Monthly profit (in birr) |
| 12) Manpower | Number of employees in the sector |
| 13) Number enterprises | Availability of large number of enterprises in the sector |
| 14) Tax | Percent of tax payment |
| 15) Price | Price of goods |
| 16) Sector | Type of sector |
| 17) Financial access | Financial access |
| 18) Access to market product | Access to market product |
| 19) Infrastructure availability | Adequate infrastructure availability |
| 20) Access to row material | Access to row material |
| 21) Interest rate | Interest rate charged by micro fiancé |
| 22) Technical skill training | Obtain technical skill training from the government |