The Critical Role of Implementing Partners: Evidence From Training Micro and Small Enterprises Across 12 Financial Service Providers

References

• Aldianto, L., Rudito, B., Mirzanti, I., Situmorang, B., & Larso, D. (2010). The development of center of entrepreneurship and business incubator in Pangalengan, West Java - Indonesia [Paper presentation]. 2010 Proceedings of PICMET. Portland: Technology Management for Global Economic Growth (PICMET).
   Google Scholar
• Alibhai, S., Buehren, N., Frese, M., Goldstein, M., Papineni, S., & Wolf, K. (2019). Full esteem ahead? mindset-oriented business training in ethiopia. Mindset-Oriented Business Training in Ethiopia. World Bank Policy Research Working Paper (8892).
   Google Scholar
• Allcott, H. (2015). Site selection bias in program evaluation. The Quarterly Journal of Economics, 130(3), 1117–1165. doi:10.1093/qje/qjv015
   Web of Science ®Google Scholar
• Atmadja, A. S., Su, J.-J., & Sharma, P. (2016). Examining the impact of microfinance on microenterprise performance (implications for women-owned microenterprises in indonesia). International Journal of Social Economics, 43(10), 962–981. doi:10.1108/IJSE-08-2014-0158
   Web of Science ®Google Scholar
• Ayyagari, M., Beck, T., & Demirguc-Kunt, A. (2007). Small and medium enterprises across the globe. Small Business Economics, 29(4), 415–434. doi:10.1007/s11187-006-9002-5
   Web of Science ®Google Scholar
• Banerjee, A., Banerji, R., Berry, J., Duflo, E., Kannan, H., Mukerji, S., … Walton, M. (2017). From proof of concept to scalable policies: Challenges and solutions, with an application. Journal of Economic Perspectives, 31(4), 73–102. doi:10.1257/jep.31.4.73
   Web of Science ®Google Scholar
• Banerjee, A., Duflo, E., Glennerster, R., & Kinnan, C. (2015). The miracle of microfinance? evidence from a randomized evaluation. American Economic Journal: Applied Economics, 7(1), 22–53. doi:10.1257/app.20130533
   Web of Science ®Google Scholar
• Bird, K. A., Castleman, B. L., Denning, J. T., Goodman, J., Lamberton, C., & Rosinger, K. O. (2021). Nudging at scale: Experimental evidence from fafsa completion campaigns. Journal of Economic Behavior & Organization, 183, 105–128. doi:10.1016/j.jebo.2020.12.022
   Web of Science ®Google Scholar
• Bloom, N., Eifert, B., Mahajan, A., McKenzie, D., & Robert, J. (2013). Does management matter? evidence from india. The Quarterly Journal of Economics, 128(1), 1–51. doi:10.1093/qje/qjs044
   Web of Science ®Google Scholar
• Bruhn, M., Karlan, D., & Schoar, A. (2010). What capital is missing in developing countries? American Economic Review, 100(2), 629–633. doi:10.1257/aer.100.2.629
   Web of Science ®Google Scholar
• Bruhn, M., Karlan, D. S., & Schoar, A. (2013). The impact of consulting services on small and medium enterprises: Evidence from a randomized trial in Mexico. World Bank Policy Research Working Paper.
   Google Scholar
• Calderon, G., Cunha, J., & De Giorgi, G. (2013). Business literacy and developmetn: Evidence from a randomized controlled trial in rural Mexico. Working Papers, Banco de Mexico, (2013-24).
   Google Scholar
• Campos, F., Frese, M., Goldstein, M., Iacovone, L., Johnson, H. C., McKenzie, D., & Mensmann, M. (2017). Teaching personal initiative beats traditional training in boosting small business in west africa. Science (New York, N.Y.), 357(6357), 1287–1290. doi:10.1126/science.aan5329
   PubMed Web of Science ®Google Scholar
• Cole, S., Sampson, T., & Zia, B. (2009). Financial literacy, financial decisions, and the demand for financial services: Evidence from India and Indonesia. Harvard Business School Working Paper.
   Google Scholar
• de Mel, S., McKenzie, D., & Woodruff, C. (2008). Returns to capital in microenterprises: Evidence from a field experiment*. Quarterly Journal of Economics, 123(4), 1329–1372. doi:10.1162/qjec.2008.123.4.1329
   Web of Science ®Google Scholar
• De Mel, S., McKenzie, D., & Woodruff, C. (2014). Business training and female enterprise start-up, growth, and dynamics: Experimental evidence from sri lanka. Journal of Development Economics, 106, 199–210. doi:10.1016/j.jdeveco.2013.09.005
   Web of Science ®Google Scholar
• Drexler, A., Fischer, G., & Schoar, A. (2014). Keeping it simple: Financial literacy and rules of thumb. American Economic Journal: Applied Economics, 6(2), 1–31. doi:10.1257/app.6.2.1
   PubMed Web of Science ®Google Scholar
• Fiala, N. (2018). Returns to microcredit, cash grants and training for male and female microentrepreneurs in uganda. World Development, 105, 189–200. doi:10.1016/j.worlddev.2017.12.027
   Web of Science ®Google Scholar
• Field, E., Jayachandran, S., & Pande, R. (2010). Do traditional institutions constrain female entrepreneurship? a field experiment on business training in india. American Economic Review, 100(2), 125–129. doi:10.1257/aer.100.2.125
   Web of Science ®Google Scholar
• Giné, X., & Mansuri, G. (2019). Money or management? a field experiment on constraints to entrepreneurship in rural pakistan. Economic Development and Cultural Change, 70(1), 41–86.
   Web of Science ®Google Scholar
• Iacovone, L., Maloney, W. F., & Mckenzie, D. J. (2022). Improving management with individual and group-based consulting: Results from a randomized experiment in colombia. The Review of Economic Studies, 89(1), 346–371. doi:10.1093/restud/rdab005
   Web of Science ®Google Scholar
• ILO Jarkarta Office. (2019). Promoting value added financial services. (https://www.ilo.org/wcmsp5/groups/public/—asia/—ro-bangkok/—ilo-jakarta/documents/publication/wcms_733212.pdf; accessed on 2023.08.05; ISBN 978-92-2-031583-5 (web pdf)).
   Google Scholar
• International Labour Organization. (2013). Start and improve your business programme. (http://www.ilo.org/empent/areas/start-and-improve-your-business/lang–en/index.htm; accessed on 2018.02.04).
   Google Scholar
• International Labour Organization. (2018). Start and improve your business programme. (http://www.ilo.org/jakarta/whatwedo/projects/WCMS_444105/lang–en/index.htm; accessed on 2018.02.04).
   Google Scholar
• Karlan, D., Knight, R., & Udry, C. (2015). Consulting and capital experiments with microenterprise tailors in ghana. Journal of Economic Behavior & Organization, 118, 281–302. doi:10.1016/j.jebo.2015.04.005
   Web of Science ®Google Scholar
• Karlan, D., & Valdivia, M. (2011). Teaching entrepreneurship: impact of business training on microfinance clients and institutions. Review of Economics and Statistics, 93(2), 510–527. doi:10.1162/REST_a_00074
   Web of Science ®Google Scholar
• Lafortune, J., Riutort, J., & Tessada, J. (2017). Are micro-entrepreneurs constrained by their lack of knowledge or motivation? Lessons from a Randomized Experiment in Chile, (working paper).
   Google Scholar
• McKenzie, D. (2020). Small business training to improve management practices in developing countries: Reassessing the evidence for “training doesn’t work”.
   Google Scholar
• McKenzie, D., & Puerto, S. (2020). Growing markets through business training for female entrepreneurs: A market-level randomized experiment in kenya. American Economic Journal: Applied Economics), 13(2), 297–332. doi:10.1257/app.20180340
   Web of Science ®Google Scholar
• McKenzie, D., & Woodruff, C. (2014). What are we learning from business training and entrepreneurship evaluations around the developing world? The World Bank Research Observer, 29(1), 48–82. doi:10.1093/wbro/lkt007
   Web of Science ®Google Scholar
• McKenzie, D., & Woodruff, C. (2015). Business practices in small firms in developing countries (World Bank Policy Research Working Paper no. 7405). The World Bank.
   Google Scholar
• OECD. (2018). Sme and entrepreneurship policy in Indonesia 2018. OECD Publishing. http://read.oecdilibrary.org/employment/smeandentrepreneurshippolicyinindonesia2018_9789264306264en
   Google Scholar
• Rosengard, J., & Prasetyantoko, A. (2011). If the banks are doing so well, why can’t i get a loan? regulatory constraints to financial inclusion in indonesia. Asian Economic Policy Review, 6(2), 273–296. doi:10.1111/j.1748-3131.2011.01205.x
   Web of Science ®Google Scholar
• Seitz, H., Menkhoff, L., & Grohmann, A. (2020). The effect of personalized feedback on small enterprises’ finances in uganda. Economic Development and Cultural Change, 70(3), 1197–1227.
   PubMed Web of Science ®Google Scholar
• Statistics Indonesia. (2018). Percentage of poor people 2007 to 2018.
   Google Scholar
• Swain, R. B., & Varghese, A. (2013). Delivery mechanisms and impact of microfinance training in indian self-help groups. Journal of International Development, 25(1), 11–21. doi:10.1002/jid.1817
   Web of Science ®Google Scholar
• Valdivia, M. (2015). Business training plus for female entrepreneurship? short and medium-term experimental evidence from peru. Journal of Development Economics, 113, 33–51. doi:10.1016/j.jdeveco.2014.10.005
   Web of Science ®Google Scholar