Etude des facteurs contingents du taux de remboursement au sein d'une institution de microfinance: le cas du Togo

Marek Hudon and Tchakodo Ouro-Koura

ULB Institutional Repository from ULB -- Universite Libre de Bruxelles

Abstract: Among the contingent factors of the repayment rate of the microcredits, the joint responsibility of the borrowers is little analyzed in the empirical studies. Thanks to an original database, this article estimates the impact of the contingent factors of the repayment rate, particularly the loan methodology. The results show that, on one hand, in the category of the loans repaid without delay, the individual loans offer a better repayment rate but also, on the other hand, that this effect becomes blurred when the late repayments are incorporated. Among other contingent factors of the repayment rate, we count mainly the distance between the place of residence of the customers and the institution and the purpose of the loan. © 2008 The Authors Journal compilation © CIRIEC 2008.

Date: 2008
Note: SCOPUS: ar.j
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Published in: Annals of Public and Cooperative Economics (2008) v.79 n° 2,p.301-322

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Related works:
Journal Article: ETUDE DES FACTEURS CONTINGENTS DU TAUX DE REMBOURSEMENT AU SEIN D'UNE INSTITUTION DE, MICROFINANCE: LE CAS DU TOGO (2008)
Working Paper: Etude des facteurs contingents du taux de remboursement au sein d’une institution de microfinance:le cas du Togo (2006)
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