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₅) of –0.nine98, indicates that the loans received by MSEs are statistically affected by the purpose of loan usage. MSEs with lending utilisation for consumptive purposes tend to obtain fintech loans that are smaller than expected. In online selection system, fintech operators recognize that such lending purposes are deemed to be riskier than that for productive purposes, such as for improvement in working capital. It means that fintech providers must have the ability to innovate technology (eg.