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

Miriam Bruhn, Federico Alfonso Diaz Kalan, Nicolò Fraccaroli and Claudia Ruiz Ortega

No 11121, Policy Research Working Paper Series from The World Bank

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.

Date: 2025-05-13
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