Definition of variables and summary statistics (N = 3024)
| Variables | Mean | Median | Kurt | Skew | SD | Min | Max |
|---|---|---|---|---|---|---|---|
| Log MSME annual turnover profit | 10.7 | 11 | 4.8 | 0.6 | 1.4 | 7.1 | 19.8 |
| Business development model | 2.3 | 2 | 2.1 | −0.5 | 0.7 | 1 | 3 |
| MSMEs with bank account | 0.7 | 1 | 1.9 | −1.0 | 0.5 | 0 | 1 |
| Save for business purposes | 0.6 | 1 | 1.1 | −0.3 | 0.5 | 0 | 1 |
| Informal savings scheme | 0.4 | 0 | 1.1 | 0.3 | 0.5 | 0 | 1 |
| Strands of MSMEs savings | 1.8 | 2 | 1.5 | 0.3 | 0.8 | 1 | 3 |
| MSMEs insurance | 0.2 | 0 | 3.1 | 1.5 | 0.4 | 0 | 1 |
| Gender | 0.7 | 1 | 1.5 | −0.7 | 0.5 | 0 | 1 |
| Marital status | 0.7 | 1 | 1.5 | −0.7 | 0.5 | 0 | 1 |
| Couldn't find a job | 0.3 | 0 | 1.7 | 0.9 | 0.5 | 0 | 1 |
| Sale goods on credit sometimes | 0.6 | 1 | 1.1 | −0.4 | 0.5 | 0 | 1 |
| Business keeps records | 0.4 | 0 | 1.1 | 0.4 | 0.5 | 0 | 1 |
| Education level of MSMEs | 1.9 | 2 | 2.5 | 0.1 | 0.6 | 1 | 3 |
| Business sectors | 2.7 | 3 | 1.7 | −0.3 | 1.1 | 1 | 4 |
| Place business operation | 1.7 | 1 | 1.8 | 0.6 | 0.8 | 1 | 3 |
| Barriers to MSMEs operation | 2.1 | 2 | 1.4 | −0.2 | 0.9 | 1 | 3 |
| Age of MSMEs owner | 44.1 | 42 | 2.6 | 0.5 | 13.8 | 18 | 96 |
| MSMEs registration status | 0.2 | 0 | 3.4 | 1.6 | 0.4 | 0 | 1 |
| Average days per week spend on business | 0.7 | 1 | 1.9 | −0.9 | 0.5 | 0 | 1 |
| MSME main source of income | 0.7 | 1 | 2.0 | −1.0 | 0.4 | 0 | 1 |
| Average hours work per day on business | 0.7 | 1 | 1.5 | −0.7 | 0.5 | 0 | 1 |
| Variables | Mean | Median | Kurt | Skew | SD | Min | Max |
|---|---|---|---|---|---|---|---|
| Log MSME annual turnover profit | 10.7 | 11 | 4.8 | 0.6 | 1.4 | 7.1 | 19.8 |
| Business development model | 2.3 | 2 | 2.1 | −0.5 | 0.7 | 1 | 3 |
| MSMEs with bank account | 0.7 | 1 | 1.9 | −1.0 | 0.5 | 0 | 1 |
| Save for business purposes | 0.6 | 1 | 1.1 | −0.3 | 0.5 | 0 | 1 |
| Informal savings scheme | 0.4 | 0 | 1.1 | 0.3 | 0.5 | 0 | 1 |
| Strands of MSMEs savings | 1.8 | 2 | 1.5 | 0.3 | 0.8 | 1 | 3 |
| MSMEs insurance | 0.2 | 0 | 3.1 | 1.5 | 0.4 | 0 | 1 |
| Gender | 0.7 | 1 | 1.5 | −0.7 | 0.5 | 0 | 1 |
| Marital status | 0.7 | 1 | 1.5 | −0.7 | 0.5 | 0 | 1 |
| Couldn't find a job | 0.3 | 0 | 1.7 | 0.9 | 0.5 | 0 | 1 |
| Sale goods on credit sometimes | 0.6 | 1 | 1.1 | −0.4 | 0.5 | 0 | 1 |
| Business keeps records | 0.4 | 0 | 1.1 | 0.4 | 0.5 | 0 | 1 |
| Education level of MSMEs | 1.9 | 2 | 2.5 | 0.1 | 0.6 | 1 | 3 |
| Business sectors | 2.7 | 3 | 1.7 | −0.3 | 1.1 | 1 | 4 |
| Place business operation | 1.7 | 1 | 1.8 | 0.6 | 0.8 | 1 | 3 |
| Barriers to MSMEs operation | 2.1 | 2 | 1.4 | −0.2 | 0.9 | 1 | 3 |
| Age of MSMEs owner | 44.1 | 42 | 2.6 | 0.5 | 13.8 | 18 | 96 |
| MSMEs registration status | 0.2 | 0 | 3.4 | 1.6 | 0.4 | 0 | 1 |
| Average days per week spend on business | 0.7 | 1 | 1.9 | −0.9 | 0.5 | 0 | 1 |
| MSME main source of income | 0.7 | 1 | 2.0 | −1.0 | 0.4 | 0 | 1 |
| Average hours work per day on business | 0.7 | 1 | 1.5 | −0.7 | 0.5 | 0 | 1 |
Source(s): By authors using FinScope MSME survey Eswatini 2017
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