The influence of banking relationship intensity on credit rationing for SMEs in Senegal

L'influence de l'intensité de la relation bancaire sur le rationnement du crédit des PME au Sénégal

Mouhamadou Dia ()
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Mouhamadou Dia: UCAD - Cheik Anta Diop University

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Abstract: The purpose of this article is to study the impact of the intensity of the banking relationship on the credit rationing of SMEs. In the literature, two types of approaches explain the bank financing relationship: the transactional approach and the relational approach. In our study, we favored the relational approach as a possibility of reducing the constraints linked to access to bank financing for SMEs. To respond to the theoretical hypotheses formulated in our study, we conducted econometric tests on a sample of 152 Senegalese SMEs. Our results show that the fact of working overtime with a particular bank allows the SME to have easier access to credit. Working with a small bank also gives the SME easier access to credit. However, multi-banking does not promote access to credit.

Keywords: PME; asymétrie d’information; relation banque-entreprise; rationnement de crédit; information soft (search for similar items in EconPapers)
Date: 2025-04-04
Note: View the original document on HAL open archive server: https://hal.science/hal-05070860v1
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Published in International Journal of Accounting, Finance, Auditing, Management and Economics - IJAFAME, 2025, Volume 6, Issue 04 (2025) (Issue 04 (2025)), ⟨10.5281/zenodo.15226438⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05070860

DOI: 10.5281/zenodo.15226438

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