Table 1 Individual and environmental constraints to entrepreneurship
Individual constraints | Environmental constraints |
|---|---|
Aptitude | Financial services |
 Personality (noncognitive skills) |  Availability of banking service |
 Aspiration and preferences |  Access to credits/loan |
Skills |  Financial management tools (e.g., debit/credit card) |
 Basic skills | Local business environment |
 Technical skills |  Regulatory and legal environment |
 Business skills |  Government capacity (corruption) |
 Financial capability |  Infrastructure |
 Noncognitive skills (personality) | Access to markets |
Social capital | Cultural factors |
 Networks, associations |  Attitudes and norms |
|  |  Social class/status/gender |