연구정보
[경제] Micro, Small, and Medium-Sized Enterprises’ Access to Finance and Financial Literacy: Where Is the Evidence?
동남아시아 일반 국외연구자료 연구보고서 - Asian Development Bank 발간일 : 2023-11-14 등록일 : 2023-11-19 원문링크
Micro, small, and medium-sized enterprises (MSMEs) in low- and middle-income countries face the most difficulty in accessing financing for their businesses, and financial literacy is another barrier. For this reason, promoting MSME access to finance has become a development priority for governments and development partners. As the number of initiatives to increase MSMEs’ access to finance has been growing, so has the number of studies assessing their effectiveness.
The paper draws from an evidence and gap map exercise and systematic review jointly undertaken by the Independent Evaluation Department and Campbell Collaboration, an international research institution that produces policy-relevant research to inform practice. The paper presents two key findings. First, the initiatives to increase MSMEs’ access to finance have been growing; however, most evidence is on microfinance products and institutions. Second, financial literacy interventions resulted in positive but modest effects, and the impacts on less advantaged groups (microenterprises, the financially semiliterate, and, to a lesser extent, women entrepreneurs) are not as large as expected.
Given existing development literature and sizeable ADB support for inclusive finance, the paper can help ADB, other development partners and governments identify intervention areas that have worked and that didn’t; and where the evidence base is rich or where more research and knowledge investment are required.
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