Table 1

Descriptive statistics of the variables

NMinMaxMeanSD
Owner education7.0130134.79782.235
Owner training7.013010.21200.409
Bus maturity7.01307514.103513.265
Access funds7.013010.21830.413
Num employees7.0130100.60431.320
Bus growing7.013010.17740.382
Techno use7.013−1.00591.2355−0.00071.0005
Eco environment7.013010.15930.366
Entre motivation7.013010.10200.303
Owner age7.013169050.913414.015
Acct use7.013010.48080.500

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