EconPapers    
Economics at your fingertips  
 

MODELING AN INTER ORGANIZATIONAL INFORMATION SYSTEM TO PROMOTE ACCESS OF FINANCING FOR SMES IN AFRICA

MODELISATION D’UN SYSTEME D’INFORMATIONS INTER ORGANISATIONNEL (SIIO) AFIN DE FAVORISER L’ACCES AU FINANCEMENT DES PME EN AFRIQUE

Laetitia Gohlou Diomandé () and Cedric Yao ()
Additional contact information
Laetitia Gohlou Diomandé: UICL - CERF - Centre, d’Etudes, de Recherche et de Formation Continue, Sup'management.
Cedric Yao: UICL - CERF - Centre, d’Etudes, de Recherche et de Formation Continue, Sup'management.

Working Papers from HAL

Abstract: The asymmetry of information, resulting from the agency theory, is an aspect that is much complained about by banks regarding SMEs in Africa; and is one of the main reasons for the lack of financing of which these SMEs are victims. The informal structure of the African SME is the main reason for this information asymmetry. Thus far, banks have been content to require African SMEs to adapt to their operations, such as having financial data that meets legal requirements, but this has only widened the gap between these two actors. This thesis proposes the modeling of an information system that is as well adapted to the constraints of banks as to those of the African SME, in order to promote the permanent sharing of information between these two actors. The modeled system would allow both banks to obtain qualitative and quantitative information on African SMEs and the latter to meet the requirements of banks to obtain the financing they need.

Keywords: Accounting software; Process modeling; information system; Asymétrie of information; Financing; Informal sector; Social netork; Bank; SME; PME; Banque; secteur informel; financement; asymétrie d’information; système d’information; modélisation de processus; réseau social; logiciel comptable (search for similar items in EconPapers)
Date: 2021-08-06
New Economics Papers: this item is included in nep-acc, nep-ban, nep-ent, nep-fdg and nep-isf
Note: View the original document on HAL open archive server: https://shs.hal.science/halshs-03317678
References: View references in EconPapers View complete reference list from CitEc
Citations: Track citations by RSS feed

Published in [Rapport de recherche] Centre d'Etudes, de Recherche et de Formation continue (CERF) groupe Sup'Management. 2021

Downloads: (external link)
https://shs.hal.science/halshs-03317678/document (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:hal:wpaper:halshs-03317678

Access Statistics for this paper

More papers in Working Papers from HAL
Bibliographic data for series maintained by CCSD ().

 
Page updated 2023-09-12
Handle: RePEc:hal:wpaper:halshs-03317678