Mobilizing a pluralist theoretical approach to understand microlending digital platforms: the AfricaMC case

IF 1.3 Q3 BUSINESS
E. van Heck, Ana Clara Souza, Marlei Pozzebon, M. Petrini
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Abstract

Purpose This study aims to explore how a microlending digital platform connects social investors in developed countries and micro-entrepreneurs in Africa. However, additional research is necessary to discuss how online auction models are designed and implemented and how existing theories can explain their use in the so-called developing countries. Design/methodology/approach The research is based on a single case study: an online auction model for microlending named AfricaMC. Two main methods collected empirical data, namely, online participant observation, i.e. real-time participation in the online auction market and in the forum of discussions, where the authors observed the processes of microlending transactions as registered members; analysis of online documents, by reviewing forum discussions, analyzing reports, blogs, chats and other materials. Findings The results suggest that using sociological and information systems theoretical lenses in a complementary manner could provide greater value than using economics. Originality/value The study makes two main contributions. First, it mobilizes a pluralist theoretical approach based on economic, sociological and information systems perspectives to improve the understanding of microlending digital platforms using online auction models. Second, it uses the understanding produced from data analysis of one particular African case to validate propositions derived from these three theoretical approaches that might be applied to other cases.
动员多元理论方法来理解小额贷款数字平台:AfricaMC案例
本研究旨在探讨小额贷款数字平台如何连接发达国家的社会投资者和非洲的微型企业家。然而,需要进一步的研究来讨论如何设计和实施在线拍卖模式,以及现有理论如何解释它们在所谓的发展中国家的使用。设计/方法/方法这项研究基于一个单一的案例研究:一个名为AfricaMC的小额贷款在线拍卖模式。收集实证数据的方法主要有两种,即在线参与观察,即实时参与在线拍卖市场和论坛讨论,作者以注册会员的身份观察小额贷款交易过程;分析在线文档,通过查看论坛讨论、分析报告、博客、聊天等材料。结果表明,以互补的方式使用社会学和信息系统理论镜头可能比使用经济学提供更大的价值。独创性/价值这项研究有两个主要贡献。首先,它运用了基于经济学、社会学和信息系统视角的多元理论方法,以提高对使用在线拍卖模型的小额贷款数字平台的理解。其次,它利用对一个特定非洲案例的数据分析所产生的理解来验证从这三种理论方法中得出的命题,这些命题可能适用于其他案例。
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来源期刊
CiteScore
3.30
自引率
5.00%
发文量
22
审稿时长
30 weeks
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