| Model | Unstandardized Coefficients | Standardized Coefficients | T | Sig. | ||
| B | Std. Error | Beta | ||||
| 1 | (Constant) | 1.767 | 0.156 |
| 11.311 | 0.000 |
| firm size and access to credit | 0.275 | 0.069’ | 0.212 | 3.961 | 0.000 | |