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Financial Innovation

Table 8 Bank Loan 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

0.074*

0.090***

0.057***

0.018*

0.036**

(0.041)

(0.028)

(0.019)

(0.099)

( 0.014)

FL

 − 0.113***

 − 0.046**

 − 0.044**

0.003

 − 0.018*

(0.033)

(0.018)

(0.018)

(0.005)

( 0.010)

ICT use

0.268*

0.129

0.348**

 − 0.002

0.005

(0.150)

(0.112)

(0.139)

(0.024)

(0.007)

Digitization

 − 0.128

0.498

0.091

0.011

0.161***

(0.130)

( 2.435)

(0.139)

(0.025)

(0.054)

Activity_1

0.247

0.210

0.201*

–

0.106

(0.195)

(0.179)

(0.102)

 

(0.093)

Activity_2

–

1.165

0.171

–

0.155

 

(2.362)

(0.148)

 

(0.126)

Activity_3

0.129

0.162

0.031

–

0.103

(0.122)

(0.111)

(0.075)

 

(0.074)

Activity_4

 − 0.009

0.129

 − 0.099

–

0.030

(0.121)

(0.106)

(0.077)

 

(0.064)

Activity_5

 − 0.049

–

–

–

 − 0.100

(0.151)

   

(0.155)

Activity_6

 − 0.037

0.147

–

–

0.183***

(0.117)

(0.106)

  

(0.063)

Activity_8

0.146

0.379**

–

–

0.197**

(0.129)

(0.182)

  

(0.078)

Age_1

0.172

 − 0.098

0.173**

0.268

 − 0.067

(0.158)

(0.081)

(0.076)

(2.667)

(0.053)

Age_2

0.168*

 − 0.200**

 − 0.147

0.274

 − 0.033

(0.089)

(0.085)

(0.100)

(2.635)

(0.053)

Ownership_1

 − 0.415***

–

–

0.036

–

(0.128)

  

(0.024)

 

Ownership_2

 − 0.112

–

–

–

–

(0.141)

    

Ownership_3

 − 0.204

–

–

–

–

(0.157)

    

Size_1

 − 0.008

0.438***

 − 0.150*

0.014

 − 0.200***

(0.016)

(0.122)

(0.091)

(0.030)

(0.079)

Size_2

0.165

 − 0.098

 − 0.019

0.003

 − 0.112*

(0.161)

(0.081)

(0.083)

(0.023)

(0.064)

Turnover_1

0.009

 − 0.043

1.125

 − 0.049

0.053

(0.017)

(0.138)

(0.723)

(0.037)

(0.087)

Turnover_2

 − 0.073

0.0629

0.970

 − 0.032

0.119

(0.142)

(0.116)

(0.720)

(0.031)

(0.078)

Turnover_3

 − 0.377**

0.230**

1.008

0.008

0.070

(0.168)

(0.117)

(0.754)

(0.024)

(0.083)

Outlook_Better

 − 0.155

 − 0.279**

 − 0.060

 − 0.019

0.043

(0.141)

(0.182)

(0.096)

(0.022)

(0.057)

Hcredit_Better

 − 0.020

 − 0.235*

 − 0.063

0.023

 − 0.012

(0.112)

(0.128)

(0.105)

(0.020)

(0.060)

Capital Better

0.072

0.046

 − 0.052

0.007

 − 0.048

(0.148)

(0.109)

(0.102)

(0.018)

(0.057)

Firm_Outlook_Better

 − 0.131

 − 0.072

 − 0.219**

–

 − 0.159***

(0.118)

(0.131)

(0.101)

 

(0.060)

#Obs

92

96

96

285

283

McFadden R2

0.611

0.580

0.571

0.328

0.215

  1. *, **, and *** indicate significance level at 10%, 5%, and 1%, respectively
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