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The determinants of access to financial services for micro-credit associations: Application on Tunisian case

Sana Kacem and Sonia Zouari
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Sana Kacem: University of Sfax, Faculty of Economics and management of Sfax, Tunisia
Sonia Zouari: Institute higher of Administration of business of Sfax, (ISAAS) of the University of Sfax- Tunisia

E3 Journal of Business Management and Economics., 2013, vol. 4, issue 2, 031-046

Abstract: The objective of this study is to identify the socioeconomic factors which explain small farmers’ access to the services of the microcredit associations in Tunisia. The results of a binominal Logit model indicate that there is no discrimination against the poor while women do not proof to be the favorite customers for these associations. The absence of a guarantor is the main obstacle for access to the microcredit. The duration of the client relation to these associations is a determining factor in the access. But, this relation does not mean any improvement in the financing conditions particularly in terms of the guarantor.

Keywords: Microfinance; Rural financing; Small farmers; Access; Microcredit association. (search for similar items in EconPapers)
Date: 2013-02
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