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L'accès au crédit individuel par les clients des institutions de microfinance du Congo: une analyse des déterminants de l'auto-exclusion et de l'obtention du prêt

Abstract : The rise of individuel loan in microfinance leads to customers selectivity by the microfinance institutions. This article highlights this phenomenon in the case of Congo's microfinance institutions. By using a probit model, we demonstrate that loan applicant is subject to two barriers. The first one concerns the exclusion of potentiel applicants. indeed, aware of the fact that they do not have enough collateral to obtain loans, several customers fail to seek a loan for fear to see their request rejected. The second barrier is that imposed by microfinance institutions themselves which require a minimum of collateral for the loan
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https://hal-normandie-univ.archives-ouvertes.fr/hal-02343231
Contributor : Célestin Mayoukou <>
Submitted on : Saturday, November 2, 2019 - 9:46:04 AM
Last modification on : Friday, July 24, 2020 - 8:46:03 AM
Long-term archiving on: : Monday, February 3, 2020 - 1:38:14 PM

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  • HAL Id : hal-02343231, version 1

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Mourad Kertous, Célestin Mayoukou. L'accès au crédit individuel par les clients des institutions de microfinance du Congo: une analyse des déterminants de l'auto-exclusion et de l'obtention du prêt. Mondes en Développement, De Boeck, 2015, Emergences Asiatiques: objets et approches, 43 (169), pp.121-138. ⟨hal-02343231⟩

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