Abstract

This paper aims to analyze the impact of access to a microfinance institution and official banks on households’ small businesses in Togo. The study uses data from the Harmonized Survey of Household Living Conditions conducted in 2019 by the National Institute of Statistics, Economic and Demographic Studies on 27,480 individuals and 6,171 households in Togo. The paper uses propensity score matching. The results show that credit access improves households’ small businesses, particularly in Togo’s agriculture sector.

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