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- Parameter Credit from banks Credit from other sources Coefficient Coefficient ð‘Œð‘‰ð‘‡ð‘ƒ Ì‚ 0.5811 *** 0.9796 *** LN(AE) -0.2206 *** -0.3587 *** LN(NW) -0.2619 *** -0.4579 *** NO-0.2775 *** -0.0429 SE-0.1498 *** 0.2690 *** SU 0.1171 *** 0.4435 *** CO-0.3730 *** 0.2188 *** COOP 0.1721 *** 0.6597 *** ASSOC 0.4026 *** 0.4264 *** GEN 0.1982 *** 0.2679 *** AGE-0.0024-0.0014 AGE2-0.0000-0.0000 EL1-0.1289 *** 0.0770 EL2-0.2134 *** -0.1386 EL3-0.2971 *** -0.1908 *** EL4-0.4272 *** -0.4540 *** EL5-0.5704 *** -0.6302 *** EL6-0.7149 *** -0.8194 *** TCAP 0.2154 *** -0.1309 * PCAP-0.0210-0.5997 *** PAP 0.00066 *** -0.0073 *** TECH-0.0392 ** -0.0842 ** SPEC_INT-0.7417 *** -0.9862 *** SPEC_NINT-0.0414 * 0.2048 *** NSPEC_INT-0.3393 *** -0.6326 *** TD 0.2785 *** 0.2357 *** C-6.1261 *** 11.1230 *** Endogeneity -E_LN(VTP) -0.5000 *** -0.8988 ***
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