解开谜团：金融科技对小额信贷机构社会和财务绩效的影响

IF 2.1 Q2 GEOGRAPHY

Regional Science Policy and Practice Pub Date : 2025-05-08 DOI:10.1016/j.rspp.2025.100208

Imen Khanchel , Naima Lassoued , Cyrine Khiari

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引用次数: 0

摘要

本文考察了金融技术（FinTech）对小额信贷机构（mfi）的社会和财务绩效的影响，并研究了数字基础设施是否调节了这种关系。以2013年至2019年58个国家的300家小额信贷机构为样本，进行了三阶段最小二乘（3SLS）回归分析，以估计联立方程系统。结果表明，金融科技最初对社会绩效表现出负向影响，而对财务绩效的影响在统计学上不显著。然而，在引入数字基础设施作为金融科技的调节变量后，金融科技的影响在所有绩效指标中都变得积极而显著。这表明，发达的数字基础设施增强了金融科技对小额信贷机构社会和财务绩效的积极影响。该研究提供了金融科技在塑造小额信贷结果中的作用的实证见解，为从业者和政策制定者提供了启示。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Untangling the skein: The impact of FinTech on social and financial performance in microfinance institutions

This paper examines the effect of Financial Technologies (FinTech) on the social and financial performance of Microfinance Institutions (MFIs) and investigates whether the digital infrastructure moderates this relationship. Using a sample of 300 MFIs across 58 countries from 2013 to 2019, a three-stage least squares (3SLS) regression analysis was conducted to estimate a system of simultaneous equations. The results indicate that FinTech initially exhibited a negative impact on social performance, while its effect on financial performance was statistically insignificant. However, upon introducing digital infrastructure as a moderating variable alongside FinTech, the impact of FinTech shifted to positive and significant across all performance measures. This suggests that a well-developed digital infrastructure enhances the positive influence of FinTech on both the social and financial performance of MFIs. The study provides empirical insights into the role of FinTech in shaping MFI outcomes, offering implications for practitioners and policymakers.

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来源期刊

Regional Science Policy and Practice GEOGRAPHY-

CiteScore

3.60

自引率

5.90%

发文量

期刊介绍： Regional Science Policy & Practice (RSPP) is the official policy and practitioner orientated journal of the Regional Science Association International. It is an international journal that publishes high quality papers in applied regional science that explore policy and practice issues in regional and local development. It welcomes papers from a range of academic disciplines and practitioners including planning, public policy, geography, economics and environmental science and related fields. Papers should address the interface between academic debates and policy development and application. RSPP provides an opportunity for academics and policy makers to develop a dialogue to identify and explore many of the challenges facing local and regional economies.