- Size
- Male owners
- (Direct) exporting
- Long inventories
- Suffering theft and other crime
- Paying for goods after delivery
- Purchasing land and buildings
- Spending lots of time dealing with government regulations
- Experienced employees
These are features that either suggest the company has assets and is creditworthy, is reputable, or is spending on things. So it is reasonable to think that they would be connected with bank borrowing. For the importance of male owners, there are studies elsewhere in the world that suggest that men can access credit networks more easily than women, so the same may be true in Burundi.
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