Model

Unstandardized Coefficients

Standardized Coefficients

T

Sig.

B

Std. Error

Beta

1

Constant

2.725

0.286

9.537

0.000

Firm’ age and access to credit

0.168

0.052

0.186

3.227

0.001

Firm’ Size and access to credit

−0.525

0.118

−0.229

−4.455

0.000

Firm’s Performance and access to credit

−0.162

0.057

−0.147

−2.844

0.005

Firms collateral security and access to credit

0.153

0.075

0.118

2.045

0.042