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Sticking it on plastic : credit card finance and small and medium-sized enterprises in the UK

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Brown_RegionalStudies_Sticking_AM.pdf (266.7Kb)
Date
04/05/2019
Author
Brown, Ross
Liñares-Zegarra, José
Wilson, John O. S.
Keywords
Finance
Small and medium-sized enterprises (SMEs)
Credit cards
Bootstrapping
Peripheral locations
Thin markets
HG Finance
3rd-DAS
BDC
R2C
Metadata
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Abstract
This paper investigates the role of credit card financing in UK small and medium sized enterprises (SMEs) and how this varies by location and business orientation. Using a large scale dataset of UK SMEs, the results of a regression based analysis suggest that firms located in peripheral geographic areas have greater usage of credit cards relative to counterparts located in ‘core’ locations. Innovative, growth, and export-oriented SMEs are also more inclined to use credit card financing. Moreover, SMEs that use credit cards as a form of improvised financial ‘bootstrapping’ are more likely to seek additional funding sources in the future.
Citation
Brown , R , Liñares-Zegarra , J & Wilson , J O S 2019 , ' Sticking it on plastic : credit card finance and small and medium-sized enterprises in the UK ' , Regional Studies , vol. 53 , no. 5 , pp. 630-643 . https://doi.org/10.1080/00343404.2018.1490016
Publication
Regional Studies
Status
Peer reviewed
DOI
https://doi.org/10.1080/00343404.2018.1490016
ISSN
0034-3404
Type
Journal article
Rights
Copyright © 2018 Regional Studies Association. This work is made available online in accordance with the publisher’s policies. This is the author created, accepted version manuscript following peer review and may differ slightly from the final published version. The final published version of this work is available at https://doi.org/10.1080/00343404.2018.1490016
Collections
  • University of St Andrews Research
URI
http://hdl.handle.net/10023/16972

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