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
This paper explores the operational strategies of cross-border micro, small, and medium enterprises (MSMEs). Against the backdrop of globalization and digitalization, cross-border trade has become one of the important...This paper explores the operational strategies of cross-border micro, small, and medium enterprises (MSMEs). Against the backdrop of globalization and digitalization, cross-border trade has become one of the important pathways for many MSMEs to achieve growth and competitive advantage. Firstly, the paper outlines the concept and characteristics of cross-border MSMEs, as well as the analysis of their operational environment in the context of globalization, including political, economic, social, technological, environmental, and legal factors. Secondly, the paper proposes operational strategies for cross-border MSMEs, including international market selection and positioning, cross-border marketing strategies, supply chain management, cross-border financial management, and cross-border risk management. Finally, the paper summarizes the importance of effectively implementing these strategies for cross-border MSMEs to seize international market opportunities, reduce operational risks, and enhance competitiveness and profitability.展开更多
中国企业创新创业调查(Enterprise Survey for Innovation and Entrepreneurship in China,简称ESIEC)的主要目的之一,就是通过对中小微企业的调查填补中小企业创新数据缺失的空白。本文首先对创新测度和创新调查相关的理论和文献进行...中国企业创新创业调查(Enterprise Survey for Innovation and Entrepreneurship in China,简称ESIEC)的主要目的之一,就是通过对中小微企业的调查填补中小企业创新数据缺失的空白。本文首先对创新测度和创新调查相关的理论和文献进行了梳理,其次对ESIEC的问卷设计进行了介绍,然后对ESIEC的企业创新数据的基本事实进行了分析,最后用CDM(Crepon,Duguet,and Mairessec)模型分析了中小微企业中研发、创新和生产率之间的关系。结果表明,在ESIEC的中小微企业中,研发、创新和生产率之间的关系与文献结论一致。相比中国现有的创新方面的微观数据,本文所依托的ESIEC具有以下四个方面的突出优势:①涵盖多维度的创新测度和较为全面的创新方面的信息,不仅有与国际通用创新调查数据相同的调查信息,还考虑了中国的经济特色,包含了一些与高质量发展相关的指标;②调查对象包含了小微企业;③调查对象不仅包含制造业,还包含多种服务业;④与国际上很多微观层面的创新调查采用线上或电话调查不同,ESIEC采用了由受过严格训练的访员面对面调查企业负责人或高管的方式。总之,ESIEC数据可以被很好地用来分析中国中小微企业的创新活动。初步分析结果表明,基于ESIEC的创新分析结果与文献一致:①企业规模对企业的研发投入决策起着至关重要的作用;②研发促进了产品创新和流程创新;③产品创新和流程创新都能促进劳动生产率。因此,ESIEC数据具有良好的可靠性,并且可以与欧盟创新调查(CIS)和美国的年度商业调查(ABS)进行可比性分析。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.
文摘This paper explores the operational strategies of cross-border micro, small, and medium enterprises (MSMEs). Against the backdrop of globalization and digitalization, cross-border trade has become one of the important pathways for many MSMEs to achieve growth and competitive advantage. Firstly, the paper outlines the concept and characteristics of cross-border MSMEs, as well as the analysis of their operational environment in the context of globalization, including political, economic, social, technological, environmental, and legal factors. Secondly, the paper proposes operational strategies for cross-border MSMEs, including international market selection and positioning, cross-border marketing strategies, supply chain management, cross-border financial management, and cross-border risk management. Finally, the paper summarizes the importance of effectively implementing these strategies for cross-border MSMEs to seize international market opportunities, reduce operational risks, and enhance competitiveness and profitability.
文摘中国企业创新创业调查(Enterprise Survey for Innovation and Entrepreneurship in China,简称ESIEC)的主要目的之一,就是通过对中小微企业的调查填补中小企业创新数据缺失的空白。本文首先对创新测度和创新调查相关的理论和文献进行了梳理,其次对ESIEC的问卷设计进行了介绍,然后对ESIEC的企业创新数据的基本事实进行了分析,最后用CDM(Crepon,Duguet,and Mairessec)模型分析了中小微企业中研发、创新和生产率之间的关系。结果表明,在ESIEC的中小微企业中,研发、创新和生产率之间的关系与文献结论一致。相比中国现有的创新方面的微观数据,本文所依托的ESIEC具有以下四个方面的突出优势:①涵盖多维度的创新测度和较为全面的创新方面的信息,不仅有与国际通用创新调查数据相同的调查信息,还考虑了中国的经济特色,包含了一些与高质量发展相关的指标;②调查对象包含了小微企业;③调查对象不仅包含制造业,还包含多种服务业;④与国际上很多微观层面的创新调查采用线上或电话调查不同,ESIEC采用了由受过严格训练的访员面对面调查企业负责人或高管的方式。总之,ESIEC数据可以被很好地用来分析中国中小微企业的创新活动。初步分析结果表明,基于ESIEC的创新分析结果与文献一致:①企业规模对企业的研发投入决策起着至关重要的作用;②研发促进了产品创新和流程创新;③产品创新和流程创新都能促进劳动生产率。因此,ESIEC数据具有良好的可靠性,并且可以与欧盟创新调查(CIS)和美国的年度商业调查(ABS)进行可比性分析。
