Has technology fostered access to capital for small and medium sized enterprises?
Autor(a) principal: | |
---|---|
Data de Publicação: | 2020 |
Tipo de documento: | Dissertação |
Idioma: | eng |
Título da fonte: | Repositório Institucional do FGV (FGV Repositório Digital) |
Texto Completo: | https://hdl.handle.net/10438/29404 |
Resumo: | When evaluating small businesses constraints to growth, it may be possible to understand the extent that banks could offer better credit conditions to enterprises that use information and communication technologies (ICTs) more extensively. The role of ICTs has become more strategic in improving competitiveness of small and medium-sized enterprises (SMEs), plus there are several obstacles that prevent SME implementation of ICTs. Given the low rates of economic growth and high poverty rates in the East African region, and in despite of growth rates that have recently improved there low levels of development make the case for considering how to accelerate investment levels. The objective of our study is to investigate the impact of ICTs on access to capital. We will use access to technology licensed from a foreign company and owning and using a website as proxies for ICTs. The study uses data gathered from the World Bank Enterprise Surveys. We expect access to ICTs to have a positive effect on SME access to capital. Our findings suggest that there is a positive association between access to ICTs and access to capital. The effects of the use of technology from a foreign firm over credit granting are verified in our empirical analysis, and so are the use of a website with a positive correlation. The correlation of the use of technology from a foreign firm over the loan granted was found to be of some statistical significant, referencing to its importance to the firms’ operations, and we also found correlations when assessing the use of a website by firms, further detailed in the empirical analysis. |
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Stellato Neto, DouglasEscolas::EAESPYoshinaga, Claudia EmikoNakamura, Wilson ToshiroMotta, Victor Eduardo da2020-07-06T21:10:40Z2020-07-06T21:10:40Z2020-05-28https://hdl.handle.net/10438/29404When evaluating small businesses constraints to growth, it may be possible to understand the extent that banks could offer better credit conditions to enterprises that use information and communication technologies (ICTs) more extensively. The role of ICTs has become more strategic in improving competitiveness of small and medium-sized enterprises (SMEs), plus there are several obstacles that prevent SME implementation of ICTs. Given the low rates of economic growth and high poverty rates in the East African region, and in despite of growth rates that have recently improved there low levels of development make the case for considering how to accelerate investment levels. The objective of our study is to investigate the impact of ICTs on access to capital. We will use access to technology licensed from a foreign company and owning and using a website as proxies for ICTs. The study uses data gathered from the World Bank Enterprise Surveys. We expect access to ICTs to have a positive effect on SME access to capital. Our findings suggest that there is a positive association between access to ICTs and access to capital. The effects of the use of technology from a foreign firm over credit granting are verified in our empirical analysis, and so are the use of a website with a positive correlation. The correlation of the use of technology from a foreign firm over the loan granted was found to be of some statistical significant, referencing to its importance to the firms’ operations, and we also found correlations when assessing the use of a website by firms, further detailed in the empirical analysis.engAccess to capitalDeveloping countriesInformation and Communication Technologies (ICTs)Small and Medium Sized Enterprises (SMEs)Pequenas e médias empresas - África, LesteCrédito bancárioTecnologia da informaçãoAdministração de empresasPequenas e médias empresas - África, LesteCrédito bancárioTecnologia da informaçãoHas technology fostered access to capital for small and medium sized enterprises?info:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/openAccessreponame:Repositório Institucional do FGV (FGV Repositório Digital)instname:Fundação Getulio Vargas 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|
dc.title.eng.fl_str_mv |
Has technology fostered access to capital for small and medium sized enterprises? |
title |
Has technology fostered access to capital for small and medium sized enterprises? |
spellingShingle |
Has technology fostered access to capital for small and medium sized enterprises? Stellato Neto, Douglas Access to capital Developing countries Information and Communication Technologies (ICTs) Small and Medium Sized Enterprises (SMEs) Pequenas e médias empresas - África, Leste Crédito bancário Tecnologia da informação Administração de empresas Pequenas e médias empresas - África, Leste Crédito bancário Tecnologia da informação |
title_short |
Has technology fostered access to capital for small and medium sized enterprises? |
title_full |
Has technology fostered access to capital for small and medium sized enterprises? |
title_fullStr |
Has technology fostered access to capital for small and medium sized enterprises? |
title_full_unstemmed |
Has technology fostered access to capital for small and medium sized enterprises? |
title_sort |
Has technology fostered access to capital for small and medium sized enterprises? |
author |
Stellato Neto, Douglas |
author_facet |
Stellato Neto, Douglas |
author_role |
author |
dc.contributor.unidadefgv.por.fl_str_mv |
Escolas::EAESP |
dc.contributor.member.none.fl_str_mv |
Yoshinaga, Claudia Emiko Nakamura, Wilson Toshiro |
dc.contributor.author.fl_str_mv |
Stellato Neto, Douglas |
dc.contributor.advisor1.fl_str_mv |
Motta, Victor Eduardo da |
contributor_str_mv |
Motta, Victor Eduardo da |
dc.subject.eng.fl_str_mv |
Access to capital Developing countries Information and Communication Technologies (ICTs) Small and Medium Sized Enterprises (SMEs) |
topic |
Access to capital Developing countries Information and Communication Technologies (ICTs) Small and Medium Sized Enterprises (SMEs) Pequenas e médias empresas - África, Leste Crédito bancário Tecnologia da informação Administração de empresas Pequenas e médias empresas - África, Leste Crédito bancário Tecnologia da informação |
dc.subject.por.fl_str_mv |
Pequenas e médias empresas - África, Leste Crédito bancário Tecnologia da informação |
dc.subject.area.por.fl_str_mv |
Administração de empresas |
dc.subject.bibliodata.por.fl_str_mv |
Pequenas e médias empresas - África, Leste Crédito bancário Tecnologia da informação |
description |
When evaluating small businesses constraints to growth, it may be possible to understand the extent that banks could offer better credit conditions to enterprises that use information and communication technologies (ICTs) more extensively. The role of ICTs has become more strategic in improving competitiveness of small and medium-sized enterprises (SMEs), plus there are several obstacles that prevent SME implementation of ICTs. Given the low rates of economic growth and high poverty rates in the East African region, and in despite of growth rates that have recently improved there low levels of development make the case for considering how to accelerate investment levels. The objective of our study is to investigate the impact of ICTs on access to capital. We will use access to technology licensed from a foreign company and owning and using a website as proxies for ICTs. The study uses data gathered from the World Bank Enterprise Surveys. We expect access to ICTs to have a positive effect on SME access to capital. Our findings suggest that there is a positive association between access to ICTs and access to capital. The effects of the use of technology from a foreign firm over credit granting are verified in our empirical analysis, and so are the use of a website with a positive correlation. The correlation of the use of technology from a foreign firm over the loan granted was found to be of some statistical significant, referencing to its importance to the firms’ operations, and we also found correlations when assessing the use of a website by firms, further detailed in the empirical analysis. |
publishDate |
2020 |
dc.date.accessioned.fl_str_mv |
2020-07-06T21:10:40Z |
dc.date.available.fl_str_mv |
2020-07-06T21:10:40Z |
dc.date.issued.fl_str_mv |
2020-05-28 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://hdl.handle.net/10438/29404 |
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https://hdl.handle.net/10438/29404 |
dc.language.iso.fl_str_mv |
eng |
language |
eng |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
dc.source.none.fl_str_mv |
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