Table A3 Correlation matrix Use non-bank...

Table A3

Correlation matrix

	Use non-bank debt	Use bank debt	Age: 2 years or less	Age: 3–5 years	Age: 10 years +	Micro	Small	Bank rejected	Bank- discour-aged	Self- discour-aged	Cons- truction	Selected services	Prof., scient. and tech.	Info. and comm.	Debt burden	No internal funding	Dublin	Export
	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	17	18
1	1.00
2	−0.21***	1.00
3	0.15***	−0.01	1.00
4	−0.07	0.00	−0.14***	1.00
5	0.01	0.04*	−0.35***	−0.49***	1.00
6	−0.04	−0.16***	0.10***	0.00	−0.12***	1.00
7	0.00	0.12***	−0.05**	−0.01	0.08**	−0.71***	1.00
8	0.02	0.13***	0.00	−0.01	0.00	−0.02	0.04*	1.00
9	0.11**	−0.12***	0.00	−0.02	−0.03	0.06**	−0.03	−0.05**	1.00
10	0.11**	−0.13***	−0.02	0.02	−0.03	0.08***	−0.04	−0.06**	−0.06***	1.00
11	0.04	−0.01	0.06**	0.00	0.02	0.07***	−0.04*	−0.01	−0.02	0.02	1.00
12	0.06	0.04	0.00	0.00	−0.01	−0.03	0.00	0.05**	0.01	0.02	−0.29***	1.00
13	−0.10**	−0.02	−0.03	−0.01	0.00	0.06***	−0.04	0.00	−0.04	0.06**	−0.15***	−0.44***	1.00
14	−0.01	−0.06**	0.06**	0.05**	−0.09***	−0.05*	0.00	−0.05**	0.03	−0.02	−0.11***	−0.31***	−0.16***	1.00
15	0.06	−0.10***	−0.05*	−0.08**	0.11***	−0.03	0.02	0.22***	0.14***	0.11***	0.03	0.06***	−0.04*	−0.09***	1.00
16	−0.01*	−0.07***	0.01	0.11***	−0.09***	−0.08***	0.05**	−0.01	0.02	−0.02	−0.08***	0.02	−0.02	0.04*	−0.04	1.00
17	0.02	−0.09***	0.03	0.00	−0.01	−0.05**	−0.01	−0.07***	0.04*	0.01	−0.03	−0.05**	0.10***	0.13***	−0.04*	0.05**	1.00
18	0.01	0.11***	−0.05*	0.00	0.03	−0.14***	0.09***	0.01	0.02	−0.03	−0.10***	−0.22***	0.04	0.14***	−0.02	−0.07***	0.00	1.00

	Use non-bank debt	Use bank debt	Age: 2 years or less	Age: 3–5 years	Age: 10 years +	Micro	Small	Bank rejected	Bank- discour-aged	Self- discour-aged	Cons- truction	Selected services	Prof., scient. and tech.	Info. and comm.	Debt burden	No internal funding	Dublin	Export
	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	17	18
1	1.00
2	−0.21***	1.00
3	0.15***	−0.01	1.00
4	−0.07	0.00	−0.14***	1.00
5	0.01	0.04*	−0.35***	−0.49***	1.00
6	−0.04	−0.16***	0.10***	0.00	−0.12***	1.00
7	0.00	0.12***	−0.05**	−0.01	0.08**	−0.71***	1.00
8	0.02	0.13***	0.00	−0.01	0.00	−0.02	0.04*	1.00
9	0.11**	−0.12***	0.00	−0.02	−0.03	0.06**	−0.03	−0.05**	1.00
10	0.11**	−0.13***	−0.02	0.02	−0.03	0.08***	−0.04	−0.06**	−0.06***	1.00
11	0.04	−0.01	0.06**	0.00	0.02	0.07***	−0.04*	−0.01	−0.02	0.02	1.00
12	0.06	0.04	0.00	0.00	−0.01	−0.03	0.00	0.05**	0.01	0.02	−0.29***	1.00
13	−0.10**	−0.02	−0.03	−0.01	0.00	0.06***	−0.04	0.00	−0.04	0.06**	−0.15***	−0.44***	1.00
14	−0.01	−0.06**	0.06**	0.05**	−0.09***	−0.05*	0.00	−0.05**	0.03	−0.02	−0.11***	−0.31***	−0.16***	1.00
15	0.06	−0.10***	−0.05*	−0.08**	0.11***	−0.03	0.02	0.22***	0.14***	0.11***	0.03	0.06***	−0.04*	−0.09***	1.00
16	−0.01*	−0.07***	0.01	0.11***	−0.09***	−0.08***	0.05**	−0.01	0.02	−0.02	−0.08***	0.02	−0.02	0.04*	−0.04	1.00
17	0.02	−0.09***	0.03	0.00	−0.01	−0.05**	−0.01	−0.07***	0.04*	0.01	−0.03	−0.05**	0.10***	0.13***	−0.04*	0.05**	1.00
18	0.01	0.11***	−0.05*	0.00	0.03	−0.14***	0.09***	0.01	0.02	−0.03	−0.10***	−0.22***	0.04	0.14***	−0.02	−0.07***	0.00	1.00

Note(s): Significant pairwise correlations noted, ***, **, * indicates significance at the 99%, 95% and 90% level

^aResults are based on analysis of strictly controlled Research Microdata Files provided by the Central Statistics Office (CSO). The CSO does not take any responsibility for the views expressed or the outputs generated from this research

Source(s): Authors’ own analysis using data from the CSO Access to Finance Survey 2014^a

[ViewLarge]

Sharing Unavailable