Impact of financial literacy,perceived access to finance,ICT use,and digitization on credit constraints:evidence from Qatari MSME importers  

作　　者：Lanouar Charfeddine Mohamed Ismail Umlai Mazen El-Masri 

机构地区：[1]Center for Entrepreneurship and Organizational Excellence,College of Business and Economics,Qatar University,P.O.Box 2713,Doha,Qatar [2]Department of Finance and Economics,College of Business and Economics,Qatar University,Doha,Qatar [3]Department of Accounting and Information Systems,College of Business and Economics,Qatar University,Doha,Qatar

出　　处：《Financial Innovation》2024年第1期3724-3760,共37页金融创新(英文)

基　　金：supported by QNRF under the Grant Number NPRP11C-1229-170007 from the Qatar National Research Fund(a member of Qatar foundation).

摘　　要：This study investigates the role of financial literacy(FL),perceived access to finance(PAF),information communication technology(ICT)usage,and digitization in alleviating the level of credit constraint that micro,small,and medium enterprises(MSMEs)face in an emerging market.We draw on the economic research theories of human capital,knowledge-based view,and lifecycle hypothesis to explain the relationship between the variables.Using survey data collected from 333 MSME importers in Qatar—a country with heavy reliance on foreign goods—we find strong evidence that FL,PAF,ICT usage,and digitization are key determinants of Qatari MSME access to credit.In particular,PAF and FL are significant and have their expected signs in almost all the Probit regressions.For ICT usage and digitization,although they are key determinants of credit constraints,the findings are more sensitive and dependent on the type of financing and the resulting type of credit constraint.

关 键 词：Credit constraints Financial literacy Perceived access to finance ICT usage DIGITIZATION Qatari MSMEs 

分 类 号：TP3[自动化与计算机技术—计算机科学与技术]