Table 9.

The effect of digital finance on SMEs on entrepreneurship with macroeconomic variables

MMQR
ENTitLocationScaleQ(0.25)Q(0.50)Q(0.75)2SLS
Panel D:
DFSit0.115*** (0.042)0.007 (0.026)0.109** (0.051)0.115*** (0.041)0.121*** (0.043)0.115*** (0.043)
GDPGit−0.073 (0.047)−0.060** (0.030)−0.025 (0.058)−0.078* (0.046)−0.127*** (0.049)−0.073** (0.032)
TRADEit0.015*** (0.005)0.006* (0.003)0.010 (0.006)0.015*** (0.005)0.020*** (0.005)0.015*** (0.004)
INFit−0.009 (0.012)−0.001 (0.008)−0.009 (0.015)−0.009 (0.012)−0.010 (0.013)−0.009 (0.007)
Constant−2.410*** (0.720)0.847* (0.456)−3.087*** (0.884)−2.342*** (0.715)−1.643** (0.746)−2.410*** (0.665)
Panel E:
DFSit0.063 (0.708)−0.024 (0.717)0.083 (1.291)0.063 (0.695)0.045 (0.174)0.063* (0.033)
INSTit0.495 (0.951)−0.079 (0.964)0.561 (1.671)0.494 (0.899)0.434* (0.226)0.495*** (0.044)
GDPGit−0.049 (0.871)−0.058 (0.882)−0.001 (1.545)−0.049 (0.831)−0.093 (0.209)−0.049** (0.025)
TRADEit−0.001 (0.070)−0.001 (0.070)−0.0002 (0.128)−0.001 (0.069)−0.001 (0.017)−0.001 (0.003)
INFit0.007 (0.167)−0.002 (0.169)0.009 (0.307)0.007 (0.165)0.006 (0.041)0.007 (0.005)
Constant−0.994 (12.00)1.384 (12.16)−2.143 (20.83)−0.979 (11.21)0.061 (2.817)−0.994* (0.521)
Panel F:
DFSit0.065 (0.042)−0.028 (0.032)0.087* (0.045)0.066 (0.042)0.044 (0.052)0.063* (0.033)
DFSit × INSTit−0.031 (0.133)0.073 (0.100)−0.091 (0.142)−0.034 (0.132)0.024 (0.167)−0.003 (0.014)
INSTit0.644 (0.639)−0.428 (0.481)0.999 (0.680)0.659 (0.634)0.316 (0.798)0.525*** (0.149)
GDPGit−0.049 (0.052)−0.057 (0.039)−0.001 (0.055)−0.047 (0.051)−0.093 (0.064)−0.049** (0.025)
TRADEit−0.001 (0.004)−0.001 (0.003)−0.0002 (0.004)−0.001 (0.004)−0.001 (0.005)−0.001 (0.004)
INFit0.007 (0.012)−0.001 (0.008)0.008 (0.011)0.007 (0.011)0.006 (0.013)0.007 (0.006)
Constant−1.005 (0.704)1.415*** (0.530)−2.178*** (0.751)−1.054 (0.691)0.077 (0.864)−0.986* (0.524)
Observations179179179179179179
Notes:

Standard errors in parentheses: ***p < 0.01, **p < 0.05, *p < 0.1

Source: Authors’ own work

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