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

Mourad Kertous () and Célestin Mayoukou
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Mourad Kertous: AMURE - Aménagement des Usages des Ressources et des Espaces marins et littoraux - Centre de droit et d'économie de la mer - IFREMER - Institut Français de Recherche pour l'Exploitation de la Mer - UBO - Université de Brest - IUEM - Institut Universitaire Européen de la Mer - IRD - Institut de Recherche pour le Développement - INSU - CNRS - Institut national des sciences de l'Univers - UBO - Université de Brest - CNRS - Centre National de la Recherche Scientifique - CNRS - Centre National de la Recherche Scientifique

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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

Keywords: individual loan; microfinance institutions; selectivity; self-exclusion; crédit individel; microfinance; sélectivité; auto-exclusion (search for similar items in EconPapers)
Date: 2015-01
Note: View the original document on HAL open archive server: https://normandie-univ.hal.science/hal-02343231v1
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Published in Mondes en Développement, 2015, Emergences Asiatiques: objets et approches, 43 (169), pp.121-138. ⟨10.3917/med.169.0121⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-02343231

DOI: 10.3917/med.169.0121

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