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CONTRIBUTIONSAll authors were involved with the drafting of the research paper, critically reviewed the manuscript and approved the final version The authors sincerely thank participants who shared their experiences, and contributed needed information to the study.

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However, when measurement errors are allowed to correlate based on post hoc specification searches, a theoretical justification for engaging in this practice is lacking and the corresponding research moves from a confirmatory analysis to an exploratory analysis.

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SEM applications indicated that they used covariance matrix and explained why they used it. Negative shocks to GDP were found to significantly increase inequality in countries particularly after the first periods. Do lenders favor politically connected firms?

PCA starts extracting the maximum variance and puts them into the first factor.

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