1 “... to a comprehensive training-of-trainers (TOT) workshop and stipulated to send the SACCO manager, a loan...”

2 “..., and loan terms for surviving businesses. Entrepreneurs with higher ex-ante financial literacy further...”

3 “...Microfinance, the provision of small individual and business loans, has witnessed dramatic growth...”

4 “... bank loans and deposits. This paper carefully documents these impacts on the formal financial sector...”

5 “... likely to borrow from expensive sources and to have loans with late payments than control students...”

6 “... on loans, and financial skills, such as record keeping. The results from the meta analysis indicate...”