مشخصات مقاله:
عنوان فارسی مقاله:
گنجایش مالی، نوآوری مالی و رشد فروش شرکت ها
عنوان انگلیسی مقاله:
Financial inclusion, financial innovation, and firms’ sales growth
کلمات کلیدی مقاله:
نوآوری مالی، شمول مالی، کشورهای در حال توسعه، شرکت رشد فروش، دسترسی به امور مالی
کلمات کلیدی انگلیسی:
Financial innovation – Financial inclusion – Developing countries – Firm’s sales growth – Access to finance.
مناسب برای رشته های دانشگاهی زیر:
حسابداری
مناسب برای گرایش های دانشگاهی زیر:
حسابداری مالی
وضعیت مقاله انگلیسی و ترجمه:
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فهرست مطالب:
Abstract
Keywords
JEL classification
1. Introduction
2. Literature review and theoretical background
2.1. Financial inclusion and firms’ sales growth
2.2. Financial innovation affects the relation between financial inclusion and firms’ sales growth
3. Data, variable definitions, and model specifications
3.1. Data and variable definitions
3.2. Model specification
4. Empirical results
4.1. The baseline model: financial inclusion and firms’ sales growth
4.2. The role of different subsamples
4.3. The extended model: financial inclusion, financial innovation, and firms’ sales growth
5. Robustness checks
6. Conclusion
Declaration of competing interest
APPENDIX.
Appendix A. Definitions of Variables and Data Sources
Appendix B. List of Sectors and Number of Firms
Author statement
References
قسمتی از مقاله انگلیسی:
1. Introduction
The existing literature has stressed the importance of collateral and good relations with banks as factors that help increase firms’ access to credit from traditional financial institutions (Gopalan, Udell, & Yerramilli, 2011; Calcagnini, Farabullini, & Giombini, 2014; Naegels, D’Espallier, & Mori, 2020). As Donati (2016) points out, small businesses without access to affordable credits have a hard time expanding and creating jobs. Therefore, promoting financial inclusion enables small businesses, which had previously been excluded from traditional financial channels, to obtain credit, generate productivity, and increase sales growth. The aim of this paper is thus to investigate the effect of financial inclusion on sales growth for firms in developing countries by specifically examining different subsamples on this effect. Additionally, we focus on whether financial innovation is likely to strengthen or weaken the relationship between financial inclusion and firms’ sales growth. The consequences of the financial inclusion-sales growth nexus have been a hot issue in academia, and whether the effect varies with subsample characteristics remains unknown. First, we target the occurrence of crises on impeding the effect of financial inclusion on firms’ sales growth.