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Access to Finance for MSMEs in Ecuador: A Firm-Level Impact Evaluation

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  • Miriam Bruhn
  • Federico Alfonso Diaz Kalan
  • Nicolo Fraccaroli
  • Claudia Ruiz Ortega

Abstract

This paper studies the impact of a World Bank program aimed at promoting access to finance for micro, small, and medium-size enterprises in Ecuador. A staggered difference-in-differences method is used to estimate the impact of the program on 2,035 participant firms during 2019–23. The findings show that the program had a positive effect on these firms, by boosting their financing, number of workers, short-term assets, and sales. This effect is similar when enterprises are female-led and is larger for firms that had no previous access to finance.

Suggested Citation

  • Miriam Bruhn & Federico Alfonso Diaz Kalan & Nicolo Fraccaroli & Claudia Ruiz Ortega, 2025. "Access to Finance for MSMEs in Ecuador: A Firm-Level Impact Evaluation," Policy Research Working Paper Series 11121, The World Bank.
    • Handle: RePEc:wbk:wbrwps:11121
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