| Model | Unstandardized Coefficients | Standardized Coefficients | T | Sig. | ||
| B | Std. Error | Beta | ||||
| 1 | Constant | 1.752 | 0.141 |
| 12.431 | 0.000 |
| firm size and access to credit | 0.219 | 0.048 | 0.243 | 4.585 | 0.000 | |