Extended Models

Base Models

DLFR15: During the past 15 months, I have used debt lending from friends more often than before; DFRB: I use debt from friends to finance my business; DLFA15: During the past 15 months, I have used debt lending from family more often than before; DFROS: I use debt from friends when other sources of finance are difficult to access; DLRO15: During the past 15 months, I have used debt lending from ROSCA more often than before; LTBL: Long term bank loan; STBL: Short term bank loan; DFAB: I use debt from family members to finance my business; DFAOS: I use debt from family members when other sources of finance are difficult to access; DROB: I use debt from ROSCA to finance my business; DROOS: I use debt from ROSCA when other sources of finance are difficult to access; LTBLIND: Long term bank loan per industry; STBLIND: Short term bank loan per industry; DFABIND: I use debt from family members to finance my business per industry; DFAOSIND: I use debt from family members when other sources of finance are difficult to access per industry; DROBIND: I use debt from ROSCA to finance my business per industry; DROOSIND: I use debt from ROSCA when other sources of finance are difficult to access per industry; IND: Industry category