1、MSME ACCESSTO DIGITALFINANCE STUDYIn Selected EMDECountries In AsiaJanuary 2025Suggested citationCCAF and ADBI(2025),The MSME Access to Digital Finance Study-In Selected EMDE Countries In Asia,Cambridge Centre for Alternative Finance,University of Cambridge and the Asian Development Bank Institute F

2、orewords 4 Research team and Acknowledgements 6 Research partners 7 Executive summary 81.Introduction 10 1.1.Study rationale and research 11 objectives2.Methodology 12 2.1.Data source and collection 13 2.2.Data cleaning and analysis 14 2.3.Limitations 14 2.4.Alternative finance taxonomy 14 Debt-base

3、d models 14 Equity-based models 153.Demographics and 16 business structure 3.1.Profile of respondents(business 17 owners)3.2.Nature and structure of business 204.Relationship with 22 traditional finance 4.1.Use of traditional finance facilities 24 4.2.Previous financing from other 25 sources5.Fintec

4、h financing 28 experience 5.1.Decision-making factors for 29 fintech financing 5.1.1.Primary purpose of borrowing 32 5.2.Borrowing experience 33 5.2.1.Loan application process 33 5.2.2.Amount borrowed 34 5.3.Ability to get funding from 36 another source 5.4.Frequency of use of fintech 38 platforms 5

5、.4.1.Loan Repayment Status 39 5.4.2.Business financing needs met 40 through digital finance6.Outcome of financing 42 6.1.Impact on business indicators 43 6.2.Direct effects of financing 45 6.3.Impact on banking relationship 47 6.4.Concerns about using digital 48 finance providers for business financ

6、ing7.Gender-related data 49 7.1.Demographics 50 7.2.Use of traditional finance facilities 52 7.3.Previous financing from other 53 sources 7.4.Amount borrowed 54 7.5.Outcome of financing 558.Conclusion 589.Country data sample at 60 a glance Bangladesh(n.247)61 Peoples Republic of China(n.107)62 India