Table 1 Descriptive statistics of these variables under considerations.

OSS

Overall

1.037

0.315

0.31

1.972

N = 105

Between

0.292

0.465

1.476

n = 15

Within

0.138

0.795

1.648

T = 7

Sharek

Overall

0.093

0.083

0.027

0.51

N = 105

Between

0.073

0.043

0.348

n = 15

Within

0.043

0.02

0.492

T = 7

Debts

Overall

0.913

0.076

0.821

1.166

N = 105

Between

0.075

0.855

1.158

n = 15

Within

0.024

0.862

0.975

T = 7

Rear

Overall

0.838

32.747

0

100

N = 105

Between

22.925

29.044

100

n = 15

Within

24.023

15.294

157.679

T = 7

Grants

Overall

0.027

0.019

0.001

0.099

N = 105

Between

0.017

0.005

0.059

n = 15

Within

0.009

− 0.004

0.067

T = 7

Loanst ~ t

Overall

0.724

0.254

0.021

1.051

N = 105

Between

0.245

0.033

0.987

n = 15

Within

0.089

0.241

1.106

T = 7

Age

Overall

20.267

12.18785

5

45

N = 105

Between

12.5554

5

45

n = 15

Within

0

20.26667

20.26667

T = 7

Members

Overall

18,209.6

16,489.02

3650

64,620

N = 105

Between

15,581.87

5209.143

52,265.29

n = 15

Within

6565.078

5013.952

69,081.1

T = 7