DÉterminants de la Performance de Remboursement Dans Les Institutions de MicroFinance au BÉnin

We use regression analysis to study the determinants of self-sustainability of a sample of microfinance institutions in India. These institutions stand out by their ability and willingness to report financial and operational data to Sa Dhan, a know-how sharing organization. We investigate particularly three aspects of sustainability: cost coverage by revenue, repayment of loans and cost-control. Our results suggest that the challenge of covering costs on small and partly unsecured loans can indeed be met, without necessarily increasing the size of the loans or raising the monitoring cost. The analysis suggests other ways to improve the financial results, like a better targeting of the interest rate policy or increasing the number of borrowers per field officer especially in collective delivery models.

show abstract

“…8 8 A further discussion of repayment indicators can be found in Honlonkou, Acclassato and Quenum (2006). …”

mentioning

confidence: 99%

Performance Analysis for a Sample of Microfinance Institutions in India

Crombrugghe

Tenikue

Sureda

2008

Ann Public Coop Econ

View full text Add to dashboard Cite

show abstract

“…To reduce the risks associated with the low repayment rate, microfinance institutions usually give credit either to solidarity groups of farmers who cannot provide material guarantees or individually to farmers with a little more collateral. Several studies demonstrated the benefits of joint surety for micro-credit beneficiaries and for microfinance institutions (Paxton 1996;Honlonkou 2002;Mauk 2013;Noglo and Androuais 2013). Rice farmers should be made aware of the performance of the Solidarity Credit Group.…”

Section: Characterization Of Financial Servicesmentioning

confidence: 99%

Microfinance services for smallholder farmers: an assessment from rice farmers’ expectations in Central Benin

et al. 2020

View full text Add to dashboard Cite

This study analyzed the adequacy between credit supply and the expectations of rice farmers in Central Benin to define policies for improved agricultural-oriented financial services. A survey was conducted in October 2016 among 120 rice farmers randomly selected from six rice-farming villages. Data collected through structured and semi-structured interviews included the financial services offered by Microfinance Institutions, socio-demographic characteristics of rice farmers, their expectations and perception. Multivariate analysis combining hierarchical ascending cluster analysis and principal component analysis (PCA) was used to define the distinct groups of rice farmers according to their credit expectations. The unmet expectations of rice farmers for a credit scheme that suits their needs were identified based on the gaps between their expectations and perception. There were three rice farmers' clusters with distinct characteristics based on their expectations. These farmers were not satisfied with all the attributes of the current credit scheme. Pending the effectiveness of the agricultural bank, the approaches such as the inventory credit system are useful in facilitating credit access to smallholder farmers. It is also essential to combine credit supply with financial education and technical support in a system such as contract farming.

show abstract

“…Les facteurs principaux influençant les taux de remboursement des microcrédits sont liés à l'asymétrie d'information, les chocs ou événement inattendus affectant l'emprunteur ou à l'inefficacité du fonctionnement de l'institution (Godquin, 2004). Récemment, Honlonkou, Acclassato et Quenum (2006) ont trouvé que la performance des IMF en matière de remboursement est aussi liée aux caractéristiques de gestion des caisses, aux types d'activités financées ainsi qu'aux caractéristiques des clients. La forme du prêt, en groupe ou individuel, est étonnamment peu étudiée parmi les facteurs contingents du taux de remboursement des microcrédits.…”

Section: Introductionunclassified

Etude Des Facteurs Contingents Du Taux De Remboursement Au Sein d'UNE Institution De, Microfinance: Le Cas Du Togo

Hudon

Ouro-Koura

2008

Ann Public Coop Econ

View full text Add to dashboard Cite

M. Hudon et T. Ouro-KouraParmi les facteurs contingents du taux de remboursement des microcrédits, la responsabilité solidaire des emprunteurs est peu analysée dans les études empiriques. Grâce à la constitution d'une base de données originale, cet article s'attache à estimer l'impact des facteurs contingents du taux de remboursement, dont la forme du prêt. Les résultats dégagés font apparaître que, d'une part, dans la catégorie des prêts remboursés dans les délais, les prêts individuels offrent un meilleur taux de recouvrement mais aussi, d'autre part, que cet effet s'estompe dès lors que sont incorporés les remboursements tardifs. Parmi les autres facteurs contingents du taux de remboursement, on dénombre principalement la distance entre le lieu de résidence des clients et le siège de l'institution et l'objet du crédit.JEL Classifications: L31, M54, O16, Q14

show abstract

DÉterminants de la Performance de Remboursement Dans Les Institutions de MicroFinance au BÉnin

Cited by 14 publications

References 13 publications

Performance Analysis for a Sample of Microfinance Institutions in India

Performance Analysis for a Sample of Microfinance Institutions in India

Microfinance services for smallholder farmers: an assessment from rice farmers’ expectations in Central Benin

Etude Des Facteurs Contingents Du Taux De Remboursement Au Sein d'UNE Institution De, Microfinance: Le Cas Du Togo

Contact Info

Product

Resources

About