Mr Md Ashraful Alam M.A.Alam@salford.ac.uk
Associate Professor
Mr Md Ashraful Alam M.A.Alam@salford.ac.uk
Associate Professor
Hasanul Banna
Naheed Roni
Mohammad Abedin
This study examines the impact of climate vulnerability on agricultural finance and explores the moderating role of fintech in this nexus. Using a sample of 1,017 firms from 24 countries, we find that climate vulnerability is positively associated with agricultural finance, indicating that climate change exacerbates financial constraints for firms. Interestingly, our analysis of fintech's moderating effect reveals that fintech mitigates the negative impact of climate vulnerability on agricultural finance by promoting climate-smart agricultural practices and encouraging the adoption of insurance by farmers. Furthermore, our findings highlight that the Fourth Industrial Revolution, strong institutional quality, higher levels of innovation, and a country's readiness for technological adoption play critical roles in reducing the effects of climate vulnerability. Digital technologies, by improving operational efficiency and enabling better measurement and tracking of climate impacts, help reduce carbon emissions. These insights offer important managerial and policy implications, emphasising the need for integrating fintech and digital solutions to enhance resilience in agricultural finance.
Journal Article Type | Review |
---|---|
Acceptance Date | May 29, 2025 |
Online Publication Date | May 30, 2025 |
Publication Date | May 30, 2025 |
Deposit Date | May 31, 2025 |
Publicly Available Date | Jun 4, 2025 |
Print ISSN | 1059-0560 |
Publisher | Elsevier |
Peer Reviewed | Peer Reviewed |
DOI | https://doi.org/10.1016/j.iref.2025.104226 |
Published Version
(1.4 Mb)
PDF
Publisher Licence URL
http://creativecommons.org/licenses/by/4.0/
The mediating role of fintech on ESG and bank performance
(2023)
Book Chapter
Fintechs’ and SMEs’ cash holdings: evidence from OECD countries
(2023)
Book Chapter
SMEs respond to climate change: evidence from developing countries
(2022)
Journal Article
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