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capital sector entrepreneur return capital stock stock household table group level activity gazelle country value effect business owner enterprise percent share survey income wealth survivalist top-performer constraint labor result market sample credit source family growth development characteristic investment 5.5 evidence author number phase study estimate world fi rms employment variable labour model regression *** &5.5 kinship ties difference industry capital stocks paper &5. factor production heterogeneity worker review service 5.3 distribution 0 0 distance member quartile 1-2-3 surveys africa research coefficient proxy credit constraints transport accumulation authors review