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,smal...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.展开更多
Given a situation of moderate instability in Colombia’s tourism,a sector of high importance for the development of this country,it is relevant to analyze the factors that could be influencing the performance of its M...Given a situation of moderate instability in Colombia’s tourism,a sector of high importance for the development of this country,it is relevant to analyze the factors that could be influencing the performance of its Micro,Small and Medium Enterprises(MSMEs).For this purpose,in 2022,364 of these organizations were surveyed.Among the findings obtained through the structural modeling technique,it can be highlighted that,although the positive influence of digitalization on performance was not confirmed,its effect on innovation was validated.Likewise,environmental management and innovation showed a positive influence on business sustainability.It is concluded that supporting digital transformation and promoting innovative and environmental practices is crucial to improving performance and sustainability in tourism MSMEs.However,these companies will face barriers that could hinder their performance,such as resource limitations and organizational capabilities.展开更多
基金supported by QNRF under the Grant Number NPRP11C-1229-170007 from the Qatar National Research Fund(a member of Qatar foundation).
文摘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.
文摘Given a situation of moderate instability in Colombia’s tourism,a sector of high importance for the development of this country,it is relevant to analyze the factors that could be influencing the performance of its Micro,Small and Medium Enterprises(MSMEs).For this purpose,in 2022,364 of these organizations were surveyed.Among the findings obtained through the structural modeling technique,it can be highlighted that,although the positive influence of digitalization on performance was not confirmed,its effect on innovation was validated.Likewise,environmental management and innovation showed a positive influence on business sustainability.It is concluded that supporting digital transformation and promoting innovative and environmental practices is crucial to improving performance and sustainability in tourism MSMEs.However,these companies will face barriers that could hinder their performance,such as resource limitations and organizational capabilities.
