@techreport{AvdeenkoFroelichHelmsmueller2021, type = {Working Paper}, author = {Alexandra Avdeenko and Markus Fr{\"o}lich and Simona Helmsm{\"u}ller}, title = {Changing Business Practices of Micro and Small Enterprises: Evidence from an RCT with 12 Financial Service Providers}, series = {CEPR Discussion Paper}, volume = {No. DP16265}, pages = {56}, year = {2021}, language = {en} }