1. School of Business Administration, Universidad de Concepción Campus Chillán, Chillán, Chile
2. Department of Economics and IDEAR, Universidad Católica del Norte, Antofagasta, Chile
3. Entrepreneurship and SME Center, Department of Administration, Universidad Católica del Norte, Antofagasta, Chile
4. Department of Economics, Entrepreneurship and SME Center, IDEAR, Universidad Católica del Norte, Antofagasta, Chile