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P2P lending Fintechs and SMEs’ access to finance

Abbasi, K; Alam, MA; Brohi, NA; Brohi, IA; Nasim, S

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Authors

K Abbasi

NA Brohi

IA Brohi

S Nasim



Abstract

Given the importance of Small and Medium Enterprises (SMEs) to the economy, we investigate whether peer-to-peer (P2P) lending financial technologies (Fintechs) enhance the SMEs’ access to finance. Using a sample of OECD countries from 2011-2018, our fixed effects model finds that P2P lending Fintechs increase the access to finance for SMEs. We also evidence that institutional quality positively moderates the association between P2P lending Fintechs and SMEs’ access to finance. Our results suggest that SME managers may meet the liquidity needs of their firms through the use of P2P lending Fintechs.

Citation

Abbasi, K., Alam, M., Brohi, N., Brohi, I., & Nasim, S. (2021). P2P lending Fintechs and SMEs’ access to finance. Economics Letters, 204, 109890. https://doi.org/10.1016/j.econlet.2021.109890

Journal Article Type Article
Acceptance Date Apr 29, 2021
Online Publication Date May 4, 2021
Publication Date Jul 1, 2021
Deposit Date May 4, 2021
Publicly Available Date Nov 4, 2022
Journal Economics Letters
Print ISSN 0165-1765
Publisher Elsevier
Volume 204
Pages 109890
DOI https://doi.org/10.1016/j.econlet.2021.109890
Publisher URL https://doi.org/10.1016/j.econlet.2021.109890
Related Public URLs https://www.journals.elsevier.com/economics-letters

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