Résolution des problèmes d'information en micro-finance Analyse à partir de la stratégie de Vital-Finance Bénin

Magloire Lanha

Mondes en développement, 2002, vol. 119, issue 3, 47-62

Abstract: This paper specifies the ways information problems are solved in direct micro-credit institution. The concept of pre-default is built to preserve banking secrecy while allowing the performance of appropriate econometric tests on a typical micro-credit institution. A logit model has identified the determinants of pre-default. The findings support generally those found in the literature. However, the long-term relationship does not reduce pre-default. This fact is seemingly advantageous for both parties : the debtor is no longer obliged to pay exactly at falling due and the micro-banker receives a rescheduling commission without any marginal cost.

Date: 2002
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