The first note in this series of notes—Insights note-Edition 1—covers aspects related to the business finances of informal enterprises (IEs) and how external factors affect them. It also unpacks informal enterprises’ adoption of digital technology and how they use it in business.

The note discusses examples from MSC’s Financial Diaries research on IEs to validate the findings. It also provides recommendations for policymakers and financial service providers to address IEs’ challenges.

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