Skip to main content
Financial Innovation
Fig. 1 | Financial Innovation

Fig. 1

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

Fig. 1

Sample construction. aFirms that neither mentioned applying nor specified reasons for not applying for financing were considered to have missing information and therefore excluded from the MSME sample of interest. This represented 1.6% of the total MSME sample. bApproximately 4.4% of firms in the MSME sample cited ‘sufficient funds’ as their reason for not applying for any type of financing. We exclude this category of firms from our sample of analysis considering they did not express a positive demand for financing and would be unconstrained by default

Back to article page