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
Qatar today focuses so much on reconstructing its cultural heritage. It is clear that the reconstruction of Qatariheritage has stemmed from a nostalgic mood. Thus, the government subsumed that heritage into certainint...Qatar today focuses so much on reconstructing its cultural heritage. It is clear that the reconstruction of Qatariheritage has stemmed from a nostalgic mood. Thus, the government subsumed that heritage into certaininterpretations and readings. Therefore, as presented today, Qatari heritage is no longer a self-referential heritage ofan indigenous culture. Rather, it has become a principle to reflect the social and economic existence of the Qataricommunity along with other global communities. The mass use of heritage and the implementation of Westernmuseum culture, however, might be viewed by some as the importation of a culture rather than the preservation ofan existing one. To minimise such potential problem, the government opted to ignore any distinctions betweenrepresenting heritage, interpreting it, or imposing new ideas and thinking around it. Instead, it has focused onintroducing a heritage based on linking images of foreign elements that characterise Qatari heritage with new socialand economic experiences.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Qatar today focuses so much on reconstructing its cultural heritage. It is clear that the reconstruction of Qatariheritage has stemmed from a nostalgic mood. Thus, the government subsumed that heritage into certaininterpretations and readings. Therefore, as presented today, Qatari heritage is no longer a self-referential heritage ofan indigenous culture. Rather, it has become a principle to reflect the social and economic existence of the Qataricommunity along with other global communities. The mass use of heritage and the implementation of Westernmuseum culture, however, might be viewed by some as the importation of a culture rather than the preservation ofan existing one. To minimise such potential problem, the government opted to ignore any distinctions betweenrepresenting heritage, interpreting it, or imposing new ideas and thinking around it. Instead, it has focused onintroducing a heritage based on linking images of foreign elements that characterise Qatari heritage with new socialand economic experiences.
