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Financial Innovation

Table 7 Trade line credit constrained results (global and by type of constraint)

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

Dependent variable

Denied

Price rationed

Amount rationed

Discouraged

Constrained

PAF

0.009

0.032

0.108**

0.028*

0.027*

(0.019)

(0.024)

(0.053)

(0.016)

(0.017)

FL

 − 0.062*

 − 0.041**

 − 0.089**

0.005

 − 0.025**

(0.036)

(0.018)

(0.037)

(0.007)

(0.011)

ICT use

0.139

0.256

0.038

0.027

0.149**

(0.172)

(0.192)

(0.145)

( 0.025)

(0.062)

Digitization

 − 0.369***

0.416***

 − 0.031

 − 0.026

 − 0.005

(0.112)

(0.155)

(0.127)

(0.031)

(0.059)

Activity_1

 − 0.276

0.715*

0.077*

–

0.048

(0.404)

(0.412)

(0.255)

 

(0.102)

Activity_2

–

–

–

–

 − 0.115

    

(0.137)

Activity_3

0.195

0.559**

–

0.016

0.045

(0.134)

(0.276)

 

(0.042)

(0.073)

Activity_4

0.035

0.429*

0.049

0.031

 − 0.035

(0.142)

(0.235)

(0.164)

(0.050)

(0.066)

Activity_5

0.371*

–

–

0.082*

 − 0.098

(0.202)

  

(0.049)

(0.128)

Activity_6

 − 0.170*

0.490**

0.234

0.037

0.078

(0.99)

(0.242)

(0.181)

(0.036)

(0.067)

Activity_8

0.245

0.999**

–

0.011

0.083

(0.158)

(0.455)

 

(0.050)

(0.077)

Age_1

 − 0.219

 − 0.223**

–

–

 − 0.109*

(0.144)

(0.99)

  

(0.059)

Age_2

 − 0.202*

–

 − 0.324

–

 − 0.119**

(0.115)

 

(0.229)

 

(0.052)

Ownership_1

 − 0.127

–

–

–

0.101

(0.148)

   

(0.095)

Ownership_2

0.057

–

–

–

0.155*

(0.121)

   

(0.089)

Ownership_3

0.179

–

–

–

0.005

(0.217)

   

(0.015)

Size_1

0.362**

0.710**

 − 0.864**

–

0.084

(0.172)

(0.352)

(0.401)

 

(0.071)

Size_2

0.325**

 − 0.014

0.058

–

0.078

(0.135)

(0.105)

(0.128)

 

(0.062)

Turnover_1

 − 0.097

 − 0.102

0.980**

–

0.025

(0.149)

(0.167)

(0.489)

 

(0.085)

Turnover_2

 − 0.128

0.072

0.086

–

0.059

(0.119)

(0.124)

(0.126)

 

(0.076)

Turnover_3

 − 0.179

0.463

0.077

–

0.160**

(0.150)

(0.230)

(0.255)

 

(0.079)

Outlook_Better

 − 0.367***

 − 0.491**

 − 0.589**

 − 0.060

 − 0.028

(0.131)

(0.455)

(0.280)

(0.050)

(0.055)

Hcredit_Better

 − 0.114

 − 0.452*

 − 0.077

0.026

 − 0.062

(0.116)

(0.265)

(0.199)

(0.027)

(0.057)

Capital Better

0.103

0.085

 − 0.184

0.039

 − 0.021

(0.132)

(0.170)

(0.136)

(0.041)

(0.057)

Firm_Outlook_Better

0.099

0.179

0.204

 − 0.041

–

(0.127)

(0.190)

(0.167)

(0.038)

 

#Obs

94

90

46

187

283

McFadden R2

0.508

0.695

0.527

0.471

0.176

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