Bruhn, MiriamDiaz Kalan, FedericoFraccaroli, NicolòRuiz Ortega, Claudia2025-05-152025-05-152025-05-15https://hdl.handle.net/10986/43195This 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.en-USCC BY 3.0 IGOACCESS TO FINANCEMSMESJOB CREATIONWorking PaperWorld Bankhttps://doi.org/10.1596/1813-9450-11121