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

被引：0
作者：
Lanouar Charfeddine
Mohamed Ismail Umlai
Mazen El-Masri
机构：
[1] Qatar University,Center for Entrepreneurship and Organizational Excellence, College of Business and Economics
[2] Qatar University,Department of Finance and Economics, College of Business and Economics
[3] Qatar University,Department of Accounting and Information Systems, College of Business and Economics
来源：
Financial Innovation | / 10卷
关键词：
Credit constraints; Financial literacy; Perceived access to finance; ICT usage; Digitization; Qatari MSMEs; D21; D22; D25; D83; E51;
D O I：
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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.
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