“…The informal sector offers jobs to more than 90% of the labour force (World Bank, 2017) and constitutes two-thirds of the GDP (Bio Goura and Kokou, 2009). Few studies on business in Sub-Saharan Africa have attributed low growth to the fact that many small firms from the region often perform poorly, in part because of difficulties in accessing technologies, information, skills, and finance (Masakure et al, 2008;Masakure et al, 2009;Shibia and Barako, 2017). Despite external interventions aimed at reducing these difficulties, the results have been poor (Crépon et al, 2011;Karlan and Zinman, 2010;Karlan and Valdivia, 2011;Cho and Honorati, 2014).…”