Data, measures and data sources
| Variables | Code | Measurement | Source |
|---|---|---|---|
| Firm Size | Currency | Natural logarithm of firm revenue, monthly | Survey |
| Profitability | Currency | Total revenue of the business minus total expenses, monthly | Survey |
| Sales | Currency | Natural logarithm of firm total sales, monthly | Survey |
| Sex | Dummy | Takes the value of 1 if female and 0 if male | Survey |
| Sources of Income | Dummy | Takes the value of 1 if sources of income are from the informal sector and 0 if it is from the formal sector | Survey |
| Duality/Co-funding | Dummy | Takes the value of 1 if the business adopts both formal and informal sources of finance and 0 if the business adopts only one source | Survey |
| Business Registration | Dummy | Takes the value of 1 if the business is registered and 0 if not | Survey |
| Age of Business Owner | Natural logarithm of the age of the owners of businesses | Survey | |
| Age of Businesses | Numbers | Natural logarithm of the number of years the business exists | Survey |
| Number of Business | Dummy | Takes the value of 1 if the entrepreneur only has more than one business and 0 if the entrepreneur has only one business | Survey |
| Education | Dummy | Takes the values of 0, 7, 12, 13, 14 and 15 if the educational attainment of the owner is: no education, Primary schooling, O'Level, Diploma, Degree and M.Sc./PhD. The values are logged | Survey |
| Mobile Account | Dummy | Takes the value of 1 if the business has a mobile account and 0 if not | Survey |
| Formal Finance (Bank Account) | Dummy | Takes the value of 1 if the entrepreneur access credit from the bank within the month and 0 if not | Survey |
| Informal Finance (Credit Card) | Dummy | Takes the value of 1 if the entrepreneur access informal credit within the month and 0 if otherwise | Survey |
| Informal Finance (Mobile Money) | Dummy | Takes the value of 1 if the business access mobile money within the month and 0 if otherwise | Survey |
| Informal Finance (Mobile Banking) | Dummy | Takes the value of 1 if the business accesses mobile banking within the month and 0 if otherwise | Survey |
| Variables | Code | Measurement | Source |
|---|---|---|---|
| Firm Size | Currency | Natural logarithm of firm revenue, monthly | Survey |
| Profitability | Currency | Total revenue of the business minus total expenses, monthly | Survey |
| Sales | Currency | Natural logarithm of firm total sales, monthly | Survey |
| Sex | Dummy | Takes the value of 1 if female and 0 if male | Survey |
| Sources of Income | Dummy | Takes the value of 1 if sources of income are from the informal sector and 0 if it is from the formal sector | Survey |
| Duality/Co-funding | Dummy | Takes the value of 1 if the business adopts both formal and informal sources of finance and 0 if the business adopts only one source | Survey |
| Business Registration | Dummy | Takes the value of 1 if the business is registered and 0 if not | Survey |
| Age of Business Owner | Natural logarithm of the age of the owners of businesses | Survey | |
| Age of Businesses | Numbers | Natural logarithm of the number of years the business exists | Survey |
| Number of Business | Dummy | Takes the value of 1 if the entrepreneur only has more than one business and 0 if the entrepreneur has only one business | Survey |
| Education | Dummy | Takes the values of 0, 7, 12, 13, 14 and 15 if the educational attainment of the owner is: no education, Primary schooling, O'Level, Diploma, Degree and M.Sc./PhD. The values are logged | Survey |
| Mobile Account | Dummy | Takes the value of 1 if the business has a mobile account and 0 if not | Survey |
| Formal Finance (Bank Account) | Dummy | Takes the value of 1 if the entrepreneur access credit from the bank within the month and 0 if not | Survey |
| Informal Finance (Credit Card) | Dummy | Takes the value of 1 if the entrepreneur access informal credit within the month and 0 if otherwise | Survey |
| Informal Finance (Mobile Money) | Dummy | Takes the value of 1 if the business access mobile money within the month and 0 if otherwise | Survey |
| Informal Finance (Mobile Banking) | Dummy | Takes the value of 1 if the business accesses mobile banking within the month and 0 if otherwise | Survey |
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