P2P lending Fintechs and SMEs’ access to finance

Kaleemullah Abbasi, Ashraful Alam, Noor Ahmed Brohi, Imtiaz Ali Brohi and Shahzad Nasim

Economics Letters, 2021, vol. 204, issue C

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.

Keywords: Peer-to-peer lending; Fintechs; Small and medium enterprises; Institutional quality (search for similar items in EconPapers)
Date: 2021
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Citations: View citations in EconPapers (4)

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Persistent link: https://EconPapers.repec.org/RePEc:eee:ecolet:v:204:y:2021:i:c:s0165176521001671

DOI: 10.1016/j.econlet.2021.109890

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