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- Addressing the challenges posed by energy poverty in Latin American countriesPublication . Filho, Walter Leal; Begum, Halima; Anholon, Rosley; Quelhas, Osvaldo; Rampasso, Izabela; Sharifi, Ayyoob; Guerra, José Baltazar Salgueirinho Osório de Andrade; Gatto, Andrea; Lovett, Matthew; Velazquez, Luis; Chávez Muñoz, Pastor David; Alam, A. S. A. Ferdous; Brandli, Luciana; Salvia, Amanda Lange; Amaro, Nelson; Eustachio, João Henrique Paulino PiresMany of the energy systems functioning across the developing world are poorly designed and largely inadequate to meet a country's commercial and domestic energy needs. This is especially so in Latin America, where poverty trends have been exacerbated by limited access to energy, which could be used towards supporting industrial and small-scale commercial activities. This has characterised the widespread trend of energy poverty. This phenomenon poses a major barrier towards achieving the UN Sustainable Development Goals (SDGs) and addressing climate change, since lack of access to reliable energy generation systems hinders the development of economic activities and limits the comfort of living conditions. This paper reports on a study aimed at catering to a better understanding of the challenges related to energy poverty in Latin America and identifying some of the tools that may be deployed to address them. The methodological procedures used were bibliometric analysis and survey. The main findings of this research evidence that reducing energy poverty in Latin American countries is crucial to alleviating household costs since a considerable part of family income is used to pay the energy needs. Less use of coal, greater access to electricity-including those from renewable generation-as well as the use of technologies and programs subsidized by governments would significantly contribute to increasing the Latin American citizens' quality of life and achieving the SDGs.
- Factors influencing access to finance among jordanian SMEs: examining the role of P2P lending fintech, information asymmetry, transaction cost, and financial literacyPublication . Doumi, Ammar Fakhri; Begum, Halima; Doumi, Fakhri Bani; Alam, A. S. A. FerdousThe aim of this research is to examine the correlation between Peer-to-Peer (P2P) lending financial technology (Fintech), information asymmetry, transaction cost, financial literacy, and access to finance among Small and Medium Enterprises (SMEs) in Jordan. The study used Partial Least Squares-Structural Equation Modelling (PLS-SEM) to analyze data collected from a sample of 335 SMEs in Jordan. The study’s findings indicate that information asymmetry and transaction cost have a notable and adverse impact on access to finance. On the other hand, P2P lending Fintech has no direct effect on access to finance. Additionally, financial literacy significantly moderates the relationship between P2P lending and access to finance among SMEs. In conclusion, P2P lending Fintech has been proven to help Jordanian SMEs’ access financing when financial literacy interacts as a moderator. This study contributes to the extant literature on how financial literacy moderates the relationship between P2P lending and SMEs’ access to finance. Finally, the results of this research benefit SMEs’ owners/managers by providing them with empirically validated insights into the factors that affect their ability to access financing. Additional research should investigate many categories of Fintech tools, such as crowdfunding, blockchain, and other related technologies. Furthermore, it is necessary to examine additional factors that impact the ability to get financial resources, such as collateral and management risk, and it is important to assess the influence of financial management regulations on these factors.