... and non-commercial purposes), subject to full attribution to the original publication and authors. The full terms of this licence maybe seen at Link to the terms of the CC BY 4.0 licence. Formal education Financial inclusion Human capital Entrepreneurship GEM data Our paper contributes...

... or household behavior. The authors do not know the variance and the distribution of responses to the questions asked and the locations in which the surveys were conducted. Another limitation is that GEM data do not report regional variations which can be modeled. For future work, the authors suggest more...