“…For their part, people who have joined entrepreneurship programs tend to formalize and expand their businesses (Daher et al, 2018b(Daher et al, , 2021Martínez et al, 2013). Lastly, people who have taken part in microfinance programs improve their resource management and make more responsible financial decisions (Daher, Rosati & Campero, Guarda, et al, 2022;Trivelli & Yancari, 2008;Zapata et al, 2003).…”