|**Table 3a. Summar**|**y Statistics**|||||
|---|---|---|---|---|---|
|**Female Owner M**|**ean**<br>**SD**|**N**|**Male Owner Me**|**an**<br>**SD**|**N**|
|_Panel A: Firm Char_|_acteristics_|||||
|% owners with high education<br>64.91|0.48|379|57.46|0.50|134|
|10.50<br>6.64<br> <br><br>Total employees<br>Age of firm|11.26<br>8.75<br>|379<br>379<br>|10.54<br>9.46<br>|11.91<br>10.61<br>|134<br>134<br>|
|% female employees<br>56.76|0.40|379|41.49|0.33|134|
|% employees with high education<br>26.69<br>% of firms operating in a conflict area<br>25.33|0.38<br>0.44|379<br>379|28.88<br>18.66|0.36<br>0.39|134<br>134|
|93.93<br>% of firms with license orpermit to operate|0.42|379|94.03|0.24|134|
|_Panel B: HRM P_|_olicies_|||||
|% firms providing:<br>||||||
|74.79<br>Gender equality policy|0.44|361|69.17|0.46|133|
|22.04<br>Subsidized childcare|0.42|372|21.09|0.41|128|
|31.21<br>Paid annual leave<br>|0.46|378|37.59|0.49|133|
|86.77<br>Sick leave|0.34|378|81.34|0.39|134|
|43.38<br>Maternity leave|0.50|355|46.46|0.50|127|
|38.85<br> <br>Paternity leave|0.49|350|45.24|0.50|126|
|70.18<br>78.36<br>Subzidized housing<br>Subsidized food|0.46<br>0.41|379<br>379|63.43<br>67.91|0.48<br>0.47|134<br>134|
|7.65<br>Subsidized transport<br>_Panel C: Access to_|0.27<br>_Finance_|379|15.67|0.37|134|
|Firm has a bank account<br>36.55<br> <br>|0.48<br>|372<br>|55.91<br>|0.50<br>|127<br>|
|Firm has documents to request a loan<br>61.43|0.49|363|61.29|0.49|124|
|Firm has a loan<br>8.89<br>|0.29<br>|371|8.07|0.27|124|
|_Panel D: Finance and Business_|_evelopment Practices_|||||
|Business Development||||||
|Past 3 months % of firms that:||||||
|46.70<br>Visited a competitor to see what products/services they offer and at what price|0.50|379|49.25|0.50|134|
|66.75<br>Asked your existing customers whether there are any other products/services they<br>would like you to offer|0.47|379|70.15|0.46|134|
|36.41<br>Used a special offer to attract customers|0.48|379|41.79|0.50|134|
|23.22<br>Done any form of advertising|0.42|379|26.12|0.44|134|
|41.42<br>Attempted to negotiate with a supplier for lower prices|0.49|379|46.27|0.50|134|
|% of firmst that:||||||
|64.29<br>Have a record-keeping system (written or computerized) which allows you to know<br>the quantity of supplies or inventory you have on hand|0.48|378|67.91|0.47|134|
|71.24<br>Keep written or computerized records relating to your enterprise|0.45|379|74.63|0.44|134|
|75.13<br> <br>Record every purchase and sale made by the enterprise|0.43|378|72.93|0.45|133|
|64.98<br>Regularly use your records to know whether sales of a particular product are<br>increasing or decreasing from one month to another|0.48|377|62.69|0.49|134|
|77.78<br> <br>Worked out the cost to you of each main product or service you sell|0.42|378|78.20|0.41|133|
|85.48<br>Know which goods or services you make the most profit per unit in selling<br>|0.35|379|80.60|0.40|134|
|66.57<br>Have a written budget, which tells you how much you have to pay each month for<br>lii d h idi f h i?|0.47|377|65.91|0.48|132|
|rent, eectrcty, an oter nrect costs o te enterprse||||||
|Financial Practices||||||
|% of firmst that:||||||
|17.72<br>Have target sale for next year|0.38|378|17.91|0.38|134|
|% of firmst that prepare the following at least annually:||||||
|60.42<br>Profit and loss statement|0.49|379|62.69|0.49|134|
|57.78<br>59.63<br>Balance sheet<br>Statement of cash flow|0.50<br>0.49|379<br>379|58.96<br>64.18|0.49<br>0.48|134<br>134|
|Income/Expenditure sheet<br>72.29|0.45|379|67.91|0.47|134|
|_Panel E: Other ac_|_tivities_|||||
|16.55<br>Hours spent looking after dependents|10.90|317|14.88|10.54|73|
|12.85<br>Hours spent doing household chores|9.87|317|7.29|9.64|73|
|12.63<br>Hours spentpracticinghobbies andpersonalpursuits<br>Note: The table shows the mean, standard deviation, and number of observations from MGES 2015. Age o<br>chores and doing hobbies refer to weekly averages. All the variables used in the analysis are describes in mo|7.51<br>f firm is reported in n<br>re detail in Appendix|317<br>umber of year<br>A1.|14.34<br>s, hours spent looking|9.12<br>after dependents, doin|73<br>g household|

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