La relation banquier-artisan au cœur du financement de l’entreprise artisanale en développement. Proposition d’une grille de lecture

Calmé, Isabelle; Polgé, Marion

doi:10.3917/entre.172.0035

Cited by 8 publications

(3 citation statements)

References 33 publications

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“…Celle-ci passe par l'absence de transparence dans la gestion des crédits obtenus précédemment par l'entreprise (Mbama et Kono abe, 2020). Elle constitue un problème important pour les deux parties bien que les relations avec le banquier soient marquées par les normes relationnelles et transactionnelles, consistant à respecter les engagements contractuels (Calme et Polge, 2018).…”

Section: Introductionunclassified

Dérives de la relation financière et faible financement relationnel des entreprises : une conséquence de l’indigence d’une relation authentique

Mbama¹

2022

Revue Congolaise De Gestion

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Distribution électronique Cairn.info pour Éditions ICES. © Éditions ICES. Tous droits réservés pour tous pays.La reproduction ou représentation de cet article, notamment par photocopie, n'est autorisée que dans les limites des conditions générales d'utilisation du site ou, le cas échéant, des conditions générales de la licence souscrite par votre établissement. Toute autre reproduction ou représentation, en tout ou partie, sous quelque forme et de quelque manière que ce soit, est interdite sauf accord préalable et écrit de l'éditeur, en dehors des cas prévus par la législation en vigueur en France. Il est précisé que son stockage dans une base de données est également interdit.

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Section: Introductionunclassified

Dérives de la relation financière et faible financement relationnel des entreprises : une conséquence de l’indigence d’une relation authentique

Mbama¹

2022

Revue Congolaise De Gestion

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“…IFC estimated the financing gap for African small businesses at 331 billion dollars (BEI, 2022). Previous studies (Naegels et al, 2018;Calme and Polge, 2018;Tsambou et al, 2017;Cenni et al, 2015;OECD, 2013;Beck, 2013;St-Pierre et al, 2005) are systematically cited problems of information asymmetry, agency, the high cost of bank credit, no collateral as formal financing constraints for SBs. It should be noted that these studies made in the context of developed countries, for the most part, do not fully explain the financial behavior of SBs in developing countries due to sociocultural context and institutional difference (Du et al, 2010 andMac an Bhaird, 2010).…”

Section: Introductionmentioning

confidence: 99%

Small Business Manager’s Profile and Financing Constraints: The Moderate Role of Sociocultural Factors

2022

JLAE

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This study first analyses the effect of SBs managers' characteristics on the difficulties in obtaining financing. Secondly, we highlight the moderate role of sociocultural factors in this relationship. Based on the hypothesis that sociocultural factors such as solidarity, rotative tontine, and supplier proximity moderate the relationship between the manager's profile and perceived difficulties in obtaining financing, logistic regression is realized using questionnaire survey data from a sample of Beninese SBs' managers. Overall, the findings show that in the majority, of the SBs managers are male, older, and have a minimum education. Almost half of the respondents have benefited from the support of their family or friends (solidarity) and practice the rotative tontine. Perceived difficulties in obtaining financing are affected by age, gender, manager's link, and experience. We also found that solidarity, rotative tontine, and supplier proximity impact significantly perceived problems in obtaining financing and these sociocultural factors moderate the relationship between managers and perceived difficulties. Overall, given the findings, we suggest that government may target and organize the informal finance.

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“…But family financing and the entrepreneur's savings are not sufficient (Savignac, 2007). The entrepreneur needs additional resources, primarily bank credit, which is currently the main source of external financing, especially for small-and medium-sized enterprises (SMEs) (Calme and Polge, 2018). In France, bank credit finances about 90 percent of the needs of SMEs, compared to only 25 percent in the United States, mainly due to the increase in crowdfunding (Mariage and Le Pendeven, 2015).…”

Section: Introductionmentioning

confidence: 99%

The economics of the entrepreneur and the banker historical roots and contributions to the management of innovation

Boutillier

2019

EJIM

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Purpose The purpose of this paper is to study the nature of the relationship between the entrepreneur and the banker, which is central to any analysis of business creation and innovation management. The author’s main purpose is to understand how this relationship has been studied by the pioneer economists of the entrepreneur and to highlight their contribution to the understanding of today’s reality. Design/methodology/approach To do so, the author proposes a sketch of an entrepreneur and banker economics based on the study of six economists (Cantillon, Smith, Bentham, Say, Schumpeter and Baumol) known for their works on entrepreneur theory. In their works, they explained how the (often difficult) relationship between the entrepreneur and the banker is built in a context of multi-uncertainty. They define the entrepreneur in different ways (a risk-taker, a prudent man, a projector, etc.), and put forward different behaviors facing uncertainty through social relations. The relationship between the entrepreneur and the banker can be read according to the grid of analysis of strong or weak ties (Granovetter, 1973). Findings This analysis demonstrates the importance of trust between the two protagonists. This contribution remains fundamental to study the behavior of financers and entrepreneurs today in the context of business eco-systems, clusters, science parks ‒ in other words, the main places of emergence of innovation. Research limitations/implications This research leads to the proposal of the main basis of an economics of the entrepreneur and the banker; it can be further developed with the addition of other contributions of historical economists. Practical implications This research shows the importance of thinking about the ways to build trust within the relation between entrepreneurs and their funders (bankers, venture capital, crowdfunding). Social implications The analysis of social ties (weak or strong) plays a major role in this relation. Originality/value The originality of the article is to come back to the works of pioneer economists and to show their contributions to the understanding of today’s reality.

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La relation banquier-artisan au cœur du financement de l’entreprise artisanale en développement. Proposition d’une grille de lecture

Cited by 8 publications

References 33 publications

Dérives de la relation financière et faible financement relationnel des entreprises : une conséquence de l’indigence d’une relation authentique

Dérives de la relation financière et faible financement relationnel des entreprises : une conséquence de l’indigence d’une relation authentique

Small Business Manager’s Profile and Financing Constraints: The Moderate Role of Sociocultural Factors

The economics of the entrepreneur and the banker historical roots and contributions to the management of innovation

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