Table 1

Descriptive statistics

VariableDescriptionSource of dataObsMeanStd. Dev.MinMax
AgeThe current age of the respondents (in years)GEM survey21,27936.5749311.684511864
EducationUN harmonized educational attainmentGEM survey21,2792.8013061.11332506
GenderThe gender of the respondent (0 = male, 1 = female)GEM survey21,2790.501480.500009601
InternetThe percentage of people with age more than 10 years who access the internet in the last 3 months based on province within the service industryBPS-Statistics Indonesia21,27937.90389.7334517.8862.77
InvestmentForeign direct investment realization by Province (million US$)BPS-Statistics Indonesia21,2791636.2031845.7259.97124.9
Non-performing loan (NPL)Percentage of non-performing loans to the total amount of loans in large conventional banks at a province levelFinancial Service Authority of Indonesia21,2790.02552160.01011580.004990.072813
Non-performing financing (NPF)Percentage of non-performing financing to the total amount of financing in large Islamic banks at the province levelFinancial Service Authority of Indonesia21,2790.04010030.01999280.00710.106265
Population_densityPopulation density per sq. km by provinceBPS-Statistics Indonesia21,2791460.053683.171015,624
GDPPer capita gross regional domestic product at current market prices by Province (thousand rupiahs)BPS-Statistics Indonesia21,27950239.0645443.612,379228,004
Construction_workerSkilled construction worker at a province levelBPS-Statistics Indonesia21,27910763.3911946.931868,942
Early-stage entrepreneurial activitya dummy variable, either a respondent is involved or not in early-stage entrepreneurial activity (0 = No, 1 = Yes)GEM survey21,2790.16640820.372455401
Islamic schoolSum of Islamic primary school, Islamic junior high school, and Islamic senior high school at the provincial levelBPS-Statistics Indonesia21,2792949.5823437.4768712,855
Islamic seminaryIslamic seminary school (pesantren) by provinceMinistry of Religious Affairs21,2791934.4062750.43459,167
HajjHajj application by provinceMinistry of Religious Affairs21,27929938.1532910.231190113,386
MosqueThe number of Mosque registered under the Ministry of Religious Affair at the provincial levelMinistry of Religious Affairs21,27913048.3816212.8214948,135
HalalThe number of halal certified products at the provincial levelThe Council of Indonesian Ulama (MUI)21,2791116.3551815.54406,402
Factor religiosityPrincipal-component factor of: (1) sum of Islamic primary school, Islamic junior high school, and Islamic senior high school at the provincial level, (2) the number of Islamic seminary school (pesantren) by province, (3) the number of Hajj application by province, (4) the number of Mosque registered under Ministry of Religious Affair at the provincial level, (5) the number of halal certification at the provincial level 21,279−8.15E−101−0.804892.286529
Source(s): Authors’ own work

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