Maegie G. Costaños

Click-to-credit: Digital Financial Literacy, Online Lending Use, and Borrowing Outcomes Among Micro, Small, and Medium Enterprises (MSMEs) in General Santos City

Maegie G. Costaños, Ma. Althea R. Caralos, Marissa G. Dela Cruz, Kerby Salise & Kenneth L. Sanido · Asian Journal of Education and Social Studies · 2026

Digital lending platforms have expanded credit access for MSMEs, particularly those with limited access to traditional banking services. While these platforms support financial inclusion through faster and more convenient loan provision, they may also expose borrowers to risks su...