1. Type of credit facility (e.g. loans, credit lines, trade credit)
2. Amount of credit granted
3. Interest rate charged
4. Repayment terms and conditions
5. Access to credit history and creditworthiness of the SME
6. Duration of the credit facility
7. Utilization of the credit facility
8. External economic factors (e.g. interest rates, inflation)
9. Industry type and market conditions
10. Size of the SME
11. Management and operational efficiency of the SME
12. Competition in the market
13. Government policies and regulations related to credit facilities
14. Availability of alternative sources of funding
15. Business cycle and overall economic environment.
What could be the possible variables when assessing the effect if credit facilities on the performance of SMEs
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