With Micro, Small and Medium Enterprises (MSMEs) being the most important employers in many developing countries, identifying ways to raise productivity, improve employment conditions and formalise labour in these firms is of prime policy importance. Yet, employment outcomes are often addressed only implicitly in interventions targeting MSMEs and their evaluations, due to the typically small...
Access to finance is crucial for entrepreneurial success, yet constraints for women are particularly pronounced. We structurally unpack whether loan officers evaluate business ideas and implementation constraints differently for male and female entrepreneurs, both as individual entrepreneurs or in entrepreneurial teams. In a lab-in-the-field experiment with Ugandan loan officers, we document...
We study direct, spillover and saturation effects of a financial education program on micro-entrepreneurs in Uganda. We randomize the program at the cluster-level, and then randomize the share of treated individuals within treated clusters. 15 months later, the treated show expected effects, such as increased use and amount of mobile money savings or higher investments. Spillovers on untreated...
