| Model | Unstandardized Coefficients | Standardized Coefficients | T | Sig. | ||
| B | Std. Error | Beta | ||||
| 2 | Constant | 3.159 | 0.207 |
| 15.285 | 0.000 |
| firm size and access to credit | 0.505 | 0.122 | 0.221 | 4.139 | 0.000 | |