usage patterns during the three years after mobile money was introduced. We find that a large proportion of the individuals …

. To maximize the chances to reach out-of-school youth, we provided access to a user-friendly budget recording tool coupled …, but usage of credit increases both at the extensive and intensive margins. Average treatment effects on financial literacy …

The study aims at testing the Ghana Microfinance Policy set up to support the vulnerable through access to credit. We … entrepreneurs in the rationing behavior of the microfinance companies. This is what we should expect if the policy is effective. Our … results show that even after controlling for a large number of borrower characteristics, microfinance type and credit …

microfinance type based on the major factors determining micro, small and medium enterprises' access to credit from microfinance …This study sets out to examine the extent to which access to credit and credit rationing are influenced by the … institutions in the era of financial liberalization. The data for the study were gleaned from fourteen microfinance institutions …

The paper focuses on women's financial behaviour in their use of higher order financial services in Ghana and South … to use general financial products than in Ghana, though in general more men use advanced investment products. Race has an …

. This paper investigates how the access to finance affects employment in small and medium-sized enterprises (SMEs) in Sub … the firm's size in terms of employment depends on the access to credit. Under the financial market imperfections, access … an impact evaluation-based approach on firm-level data from 42 African countries, we show that SMEs with access to formal …