The impact of fintech lending on credit access for U.S. small businesses

Cornelli, Giulio; Frost, Jon; Gambacorta, Leonardo; Jagtiani, Julapa

doi:10.1016/j.jfs.2024.101290

Journal of Financial Stability

2024

DOI: 10.1016/j.jfs.2024.101290

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The impact of fintech lending on credit access for U.S. small businesses

Giulio Cornelli,

Jon Frost,

Leonardo Gambacorta

et al.

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2024

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Cited by 3 publications

References 31 publications

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Opportunities and challenges associated with the development of FinTech and Central Bank Digital Currency

Claessens,

Cong,

Moshirian

et al. 2024

Journal of Financial Stability

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Opportunities and challenges associated with the development of FinTech and Central Bank Digital Currency

Claessens,

Cong,

Moshirian

et al. 2024

Journal of Financial Stability

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Determinants of MSMES’ credit access: Evidence from Indonesian banks

Ismanto,

Atmaji,

Suhari

2024

Banks and Bank Systems

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Credit is an important component in developing micro, small, and medium enterprises (MSMEs), as it can boost a country’s economy, help boost the production capacity of MSMEs, create jobs, and reduce poverty. This study aims to examine the characteristics of banks in Indonesia that influence lending to micro, small, and medium enterprises by adopting agency theory that explains the relationship between lenders (banks) and borrowers (MSMEs) as agents and principals. Data were taken from quarterly financial reports of banks in Indonesia. There are 42 sample banks from 2010 to 2022, so the data used are 2,182 observations. Data analysis uses a fixed effect model with robust standard errors. The results show that operating costs do not influence credit access for MSMEs or medium-sized enterprises. Bank stability has an impact on increasing MSME credit access. High bank capital also increases MSME credit access. Robustness tests were also conducted using the general method of moments. The results were consistent with the main model. The implication is that cost management theory and credit decision-making need to consider differences in business scale. The results also further strengthen the argument that bank stability is an important factor that can improve access to credit for small and medium enterprises. AcknowledgmentsAppreciation is given to the Doctoral program Universitas Sebelas Maret Surakarta Indonesia and the Institute of Research and Community Services (LPPM) Unisnu Jepara Indonesia, which has supported this research.

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Gestión de cobranzas y su influencia en la liquidez de una empresa inmobiliaria

Montenegro-Chasquibol,

Labajos-Portocarrero,

Terrones-Suarez

et al. 2024

Rev Amaz Cienc Econ

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Las entidades mercantiles y de servicios ofrecen créditos para aumentar sus ventas, pero suelen enfrentar inconvenientes debido a una gestión ineficiente de la cobranza, afectando su liquidez para cumplir con obligaciones. La empresa Inmobiliaria Petriva S.A.C. experimenta este problema, siendo necesario la implementación de estrategias de cobro efectivas, como recordatorios, llamadas, visitas y persistencia para informar a los clientes sobre fechas de vencimiento y montos a pagar. Esta investigación buscó establecer la influencia de la gestión de cobranzas en la liquidez de la empresa durante 2021-2022. Utilizando un enfoque aplicado y el método hipotético-deductivo, se analizó la documentación financiera y se entrevistó a 10 colaboradores. Los resultados, obtenidos mediante un modelo de regresión lineal, mostraron que el 58% de la variabilidad de la liquidez se explica por la gestión de cobranzas, con una probabilidad estadística de 0,000, confirmando así su influencia significativa.

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The impact of fintech lending on credit access for U.S. small businesses

Cited by 3 publications

References 31 publications

Opportunities and challenges associated with the development of FinTech and Central Bank Digital Currency

Opportunities and challenges associated with the development of FinTech and Central Bank Digital Currency

Determinants of MSMES’ credit access: Evidence from Indonesian banks

Gestión de cobranzas y su influencia en la liquidez de una empresa inmobiliaria

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