Germany's bank-based financial system provides a high level of financial inclusion, measured by bank outreach and use of financial services. However, the most vulnerable individuals and small enterprises in Germany tend to be excluded or credit constrained. The quality of financial inclusion is...

The problem of SMEs in Indonesia as a "high-risk borrower" that has not been resolved until today. The purposes of this study was to analyze the financial literacy as mediating between corporate governance and SMEs' credit risk in Indonesia. This sample method used purposive sampling: 1273 units...

We examine the impact of providing access to mobile savings accounts and improving financial management skills on the performance of female-led microenterprises in Mozambique. We find evidence that both interventions can improve business performance but the effects are highly heterogeneous....