Local credit in Brazil: The role of digital connectivity and education

Lars Norden and Thiago Ribeiro

Emerging Markets Review, 2025, vol. 65, issue C

Abstract: We investigate the effects of digital connectivity and education on local credit to small businesses and individuals in Brazil, using multivariate panel data regression analysis. By examining how broadband access and basic education influence local credit, we aim to understand how these factors help to mitigate informational asymmetries and transaction costs. Our findings indicate that both higher digital connectivity and better educational levels are significantly associated with higher credit availability at the municipality and regional levels. We contribute to the broader discussion about financial inclusion and offer policy implications on how to improve access to credit in emerging economies.

Keywords: Credit; Digital connectivity; Education; Financial inclusion; Fintech (search for similar items in EconPapers)
JEL-codes: G20 G32 J24 O33 O54 (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:eee:ememar:v:65:y:2025:i:c:s1566014125000147

DOI: 10.1016/j.ememar.2025.101265

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