Microcredit at controlled real interest rates: a modeling for vulnerable populations

Microcrédit à taux réel maîtrisé: une modélisation pour les populations vulnérables

Philibert Andriamanantena (), Abdou Issouf (), Ravelomanana Mamy () and Raharijaona Andriamparany ()
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Philibert Andriamanantena: École Doctorale Modélisation Informatique - Université de Fianarantsoa , Laboratoire de Mathématique et Application de l’Université de Fianarantsoa
Abdou Issouf: Dynamique Économique et Juridique des secteurs Informels et Formels, Université des Comores, abdouissouf8631@gmail

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Abstract: This study introduces an unpublished microcredit model with controlled real interest rates, aiming to reconcile social equity and economic sustainability. Unlike traditional methods based on the outstanding capital, the proposed formula incorporates a progressive modulation of interest, ensuring that the total cost remains below conventional bank loans while respecting the nominal rate announced (1%-4%). Numerical simulations and parametric analysis demonstrate the robustness and flexibility of the model, providing a transparent and sustainable solution for vulnerable populations.

Keywords: microfinance controlled real interest rate progressive modulation social equity sustainability; microfinance; controlled real interest rate; progressive modulation; social equity; sustainability (search for similar items in EconPapers)
Date: 2025-08-30
Note: View the original document on HAL open archive server: https://hal.science/hal-05231441v1
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