This article investigates the factors affecting access to formal credit by micro and small enterprises in Uganda using … personal and business bank account, and gender of the owner are positively associated with access to formal credit. We also … find that experienced firms are less likely to apply for credit hence reduce the probability to receive formal bank credit …

Based on automated credit lines to more than two million vendors trading on Alibaba’s online retail platform, we show … how the take-up of FinTech credit varies with the entrepreneur’s bank distance. Proximity to the branches of the five … largest stateowned banks correlates positively with the take-up of FinTech credit and suggests more severe credit frictions …