Qualité des institutions, structure de propriété et efficacité des banques dans la CEMAC

Djiogap, Constant Fouopi; Song, Jacques Simon

doi:10.1111/1467-8268.12227

Cited by 8 publications

(6 citation statements)

References 45 publications

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“…3 For instance, Biekpe (2011) for Ghana, Hauner and Peiris (2008) for Uganda, Mwenda and Mutoti (2011) for Zambia, Taoufik and Hatem (2011) for Algeria, Poshakwale and Qian (2011) for Egypt, Djiogap and Song (2016) for CEMAC (Central African Economic and Monetary Community) countries and Léon (2016) for WAEMU countries. ensure that only a change in input price ratios can affect the production factors allocation during the minimization process.…”

Section: Endnotesmentioning

confidence: 99%

Analysis of the quiet life hypothesis implications in the WAEMU banking sector

Eggoh

Dannon

Ndiaye

2021

African Development Review

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This paper investigates the relationship between market power and cost efficiency for a sample of 63 banks in the West African Economic and Monetary Union (WAEMU) from seven countries over the period of 2004-2016. Our empirical methodology relies on a panel data analysis. Our results show that an increase in market power reduces banking efficiency in the WAEMU countries, and therefore suggest that competition in the banking sector improves cost efficiency. These findings are consistent with the quiet life hypothesis. However, our nonlinear investigation indicates that beyond a specific threshold of competition, this latter deteriorates the cost efficiency of banks, thus confirming the efficient structure hypothesis. These results indicate the efficiency improvement of the banking system in the WAEMU countries by the control of operating costs. Moreover, the central bank and the banking regulators must increase their supervision over the most competitive banks of the WAEMU.

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Section: Endnotesmentioning

confidence: 99%

Analysis of the quiet life hypothesis implications in the WAEMU banking sector

Eggoh

Dannon

Ndiaye

2021

African Development Review

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“…Therefore, regression by censored models such as the censored generalized Fish model or the censored Tobit model becomes paramount. Indeed, according to Fouopi and Song (2016), this is the type of regression that is most often recommended when the values of the explained variable belong to a specific interval. In particular, the generalized censored Fish model is most often recommended when the values taken by the explained variable are natural integers, while the censored Tobit model is recommended when the dependent variable is continuous and likely to take zero values in an interval (Greene, 1997).…”

Section: Empirical Approachmentioning

confidence: 99%

State history, governance and financial institutions' efficiency: Evidence from African countries

Henri

Mveng

2022

Int. J Fin Econ

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This study investigates how statehood experience influences financial institutions' efficiency through the quality of governance. To this effect, the study employs a Tobit instrumental variables technique with data from 22 African countries for the period 2002–2018. The state antiquity index, recently provided by Ang and Fredriksson (2018), is used to capture statehood experience whereas rule of law, voice and accountability, regulatory quality, political stability and absence of violence, government effectiveness, and control of corruption are the indicators of the governance quality. Our results show that statehood experience, directly and indirectly, influences financial institutions' efficiency. The nature of the direct effect is negative, while that of the indirect effect depends on the governance indicator considered. Indeed, the negative effect of statehood experience is moderated by the strict application of the rule of law and amplified by control of corruption, political stability and absence of violence, and excessive regulation. Thus, to reduce the negative effect of statehood experience on the efficiency of financial institutions, older African states should: i) promote strict enforcement of the rule of law and alternation of power, and ii) relax regulation and government intervention.

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“…3 See, for instance, Djiogap and Song, (2016). 4 MIX is a database of around 2100 MFIs accounting for 58 million borrowers in 98 countries.…”

Section: Endnotesmentioning

confidence: 99%

Proximity‐based screening tools and credit rationing: Lessons from a Cameroonian greenfield microfinance institution

Tchuigoua

2021

African Development Review

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The link between relationship-based lending and credit availability has been extensively studied in the banking sector. However, in the context of microfinance, academic evidence of the benefits of proximity-based lending methodologies for borrowers is scarce. The existing literature stresses only the benefits for microlenders and the effect on loan repayment performance. Therefore, this study investigates whether proximity-based lending-joint liability contracts (group lending) and relationship-based lending (relationship intensity, multiple-borrowing, and proximity)-improves credit availability and therefore curbs credit rationing. Since loans are processed by loan officers, the benefit of applying proximity screening tools likely depends on loan officer characteristics, especially gender. To achieve our objective, we use a unique loan-level dataset of over 5500 loans approved between 2007 and 2012 by a Cameroonian greenfield microfinance institution and estimate a pooled OLS regression after controlling for borrowers' characteristics, year and industry fixed effects. The findings suggest that proximity-based lending methodologies limit credit rationing especially by male loan officers, and that multi-relationship borrowers tend to be more credit rationed. Our findings also suggest that both types of proximity-based lending are complementary. Finally, our results are less sensitive to a change in the credit rationing measurement.

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Qualité des institutions, structure de propriété et efficacité des banques dans la CEMAC

Cited by 8 publications

References 45 publications

Analysis of the quiet life hypothesis implications in the WAEMU banking sector

Analysis of the quiet life hypothesis implications in the WAEMU banking sector

State history, governance and financial institutions' efficiency: Evidence from African countries

Proximity‐based screening tools and credit rationing: Lessons from a Cameroonian greenfield microfinance institution

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