N

Mean

Std. Deviation

Variance

Skewness

Kurtosis

Statistic

Statistic

Statistic

Statistic

Statistic

Statistic

Q1 Loan

437

2.73

0.831

0.691

0.291

−0.395

Q2 Loan

437

2.86

0.894

0.799

0.104

−0.804

Q3 Loan

437

2.72

0.885

0.784

0.299

−0.475

Q4 Loan

437

3.09

0.913

0.834

−0.286

−0.681

Q5 Loan

437

2.99

0.945

0.892

−0.083

−0.883

Q6 Subsidy

437

2.88

0.897

0.804

0.064

−0.627

Q7 Subsidy

437

2.40

0.938

0.881

0.835

0.193

Q8 Subsidy

437

2.36

0.977

0.955

0.706

−0.090

Q9 Subsidy

437

2.20

0.826

0.683

0.811

0.596

Q10 Subsidy

437

2.25

0.913

0.834

0.707

0.020

Q11 Guarantee

437

4.03

0.709

0.503

−0.703

0.989

Q12 Guarantee

437

3.97

0.702

0.493

−0.696

1.299

Q13 Guarantee

437

3.98

0.710

0.504

−0.598

0.955

Q14 Guarantee

437

3.98

0.691

0.477

−0.597

1.135

Q15 Guarantee

437

4.05

0.705

0.496

−0.564

0.844

Q35SMEG

437

3.88

0.725

0.526

−0.891

1.892

Q36SMEG

437

3.88

0.740

0.547

−0.626

0.980

Q37SMEG

437

3.75

0.762

0.581

−0.727

0.989

Q38SMEG

437

3.75

0.716

0.513

−0.671

1.034

Q39SMEG

437

3.47

0.909

0.827

−0.256

−0.365

Gender

437

1.51

0.500

0.250

−0.053

−2.008

Age

437

2.74

1.348

1.816

0.149

−1.218

Education

437

2.52

1.154

1.332

−0.059

−1.437

LOANS

437

14.3979

3.68494

13.579

−0.100

−0.042

SUBSIDY

437

12.0916

3.69287

13.637

0.625

0.442

GUARANTEE

437

20.0105

3.17964

10.110

−0.694

1.350

SME Growth

437

18.7277

3.15134

9.931

−0.737

1.606