Accès au Crédit Bancaire des Petites et Moyennes Entreprises au Sénégal

Access to Bank Credit for Small and Medium-sized Enterprises in Senegal

Boubacar Diallo and Mamaye Thiongane

MPRA Paper from University Library of Munich, Germany

Abstract: The purpose of our work is to identify and understand the explanatory factors of a possible satisfaction of the demand for SME bank credit. To carry out this work, we used a multinomial logit model with as endogenous variable the different types of companies having accessed the credit "TPE, PE, ME, GE" and as base 0 that is to say companies belonging to these categories of companies and did not obtain bank financing. The estimate is based on LAREM survey data from 673 companies located in the region of Dakar, Thiés and SaintLouis. Estimates reveal that the cost of financing the loan is a constraint for Senegalese SMEs when they want to use bank credit to finance their activities while the level of study of the manager and the profitability of the activities through the net profits released impact positively the probability of accessing bank credit.

Keywords: SME; Access to credit; Financing cost; Leader's level of education; Profit (search for similar items in EconPapers)
JEL-codes: C25 G21 L25 (search for similar items in EconPapers)
Date: 2018, Revised 2018-10-01
New Economics Papers: this item is included in nep-cfn and nep-ent
References: View references in EconPapers View complete reference list from CitEc
Citations:

Downloads: (external link)
https://mpra.ub.uni-muenchen.de/89378/1/MPRA_paper_89378.pdf original version (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:pra:mprapa:89378

Access Statistics for this paper

More papers in MPRA Paper from University Library of Munich, Germany Ludwigstraße 33, D-80539 Munich, Germany. Contact information at EDIRC.
Bibliographic data for series maintained by Joachim Winter ().