Understanding microfinance institutions and commercial banks’ relationships and innovations in the Cameroon financial environment

Elle, Serge Messomo

doi:10.1002/jsc.2170

Cited by 8 publications

(7 citation statements)

References 12 publications

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“…This seems to suffice for most people. Indeed, commercial banks have not been able to open up to the marginalized population, as in Cameroon or Togo (Ashta et al 2016;Messomo Elle 2017).…”

Section: Diagnosis: Results Of the Qualitative Interviewmentioning

confidence: 99%

Bottlenecks to Financial Development, Financial Inclusion, and Microfinance: A Case Study of Mauritania

Bouasria

Ashta

Ratsimalahelo

2020

JRFM

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The objective of the study was to enhance our knowledge on institutional bottlenecks for financial development, financial inclusion, and microfinance, using Mauritania as a case study. We used a mixed-methods’ methodology that combines analysis of secondary data and an expert interview. First, a logit model with dummy independent variables was used to investigate the factors that impact the households’ access to credit, the main advantage of this model being to avoid confounding effects by analyzing the association of all variables together. Our study found that access to financial services is equal in Mauritania between men and women, but that access to credit is higher for public sector employees, educated people, and households with smaller families. Second, using principal components’ analysis, we found that the different regions of Mauritania can be divided based on unemployment, income, literacy, financial inclusion, and population density into two main dimensions, yielding four quadrants: Attractive, industrious, moderate, and resource cursed. We expected that sparsely populated countries would have less access to credit. Counterintuitively, we found that within a low-density country, people in the lowest-density regsensors-943268ions have higher odds of getting credit. Third, based on an interview with an expert, we noted the key challenges that microfinance is facing in Mauritania and provided recommendations to overcome these. As in most case studies, external validity was limited.

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“…This seems to suffice for most people. Indeed, commercial banks have not been able to open up to the marginalized population, as in Cameroon or Togo (Ashta et al 2016;Messomo Elle 2017).…”

Section: Diagnosis: Results Of the Qualitative Interviewmentioning

confidence: 99%

Bottlenecks to Financial Development, Financial Inclusion, and Microfinance: A Case Study of Mauritania

Bouasria

Ashta

Ratsimalahelo

2020

JRFM

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“…The booming interest in microfinance [71][72][73] in general and green microfinance in particular [74,75] would suggest that green fintech entrepreneurs link their initiatives to microfinance institutions in developing countries [76][77][78]. For example, Burundi is the poorest country in the world, where 85% of the people do not have electricity and live in rural areas.…”

Section: Discussionmentioning

confidence: 99%

How Can Fintech Companies Get Involved in the Environment?

Ashta

2023

Sustainability

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Financial services providers have the funds to finance climate change, and new entrepreneurs would like to join this effort. They need ideas on what fintechs can do to make money yet be sustainable. The research purpose of this study is to explore what fintechs are doing in this field of climate change and what theoretical and policy implications can be gained. This exploratory study uses a multiple case study method, using secondary sources of information. The sample includes five big fintechs and twelve green fintechs. The study finds that large fintech firms are diverse in the extent of their reporting and the issues that they are tackling, but they all report on their Scope 1 and Scope 2 impacts, and most report on Scope 3. Smaller dedicated green fintechs in the sample are grouped into those that offer to crowdfund green projects, those that track the impact of green projects or other firms or individuals, payment firms that invest directly into green projects, and those that provide a platform for peer-to-peer trading of renewable energy. The exploration is relevant to theories and concepts, including product differentiation and enhancement, disruptive innovation, collaborative ecosystems, and environmental and social impacts. Using lateral thinking, microfinance, and work-sharing research can stimulate reflection on developing more inclusive and advanced green fintech offerings. A few directions for future research in this field have been provided for those interested in impact measurement, strategic management, business models, risk management, or innovation theories.

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“…It is captured as a composite index in this study. All the variables above were chosen because they are consistent with governance practices by commercial banks in Cameroon (Messomo, 2017). 1-3.…”

Section: Definition and Operationalization Of Variablesmentioning

confidence: 99%

Corporate governance hierarchies and the performance of commercial banks in Cameroon

Elle

2021

Manage Decis Econ

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This study set out to determine how corporate governance hierarchies influence the performance of commercial banks in Cameroon. To attain this core objective, a questionnaire was administered to shareholders, members of boards of directors, top management, and nonexecutive employees of nine commercial banks operating in Cameroon. The data mobilized were analyzed using percentages, ordinary least square (OLS) regressions, and robust standard error tests. The findings reveal that the hierarchical effectiveness of internal auditing, executive compensation, and the ratings of institutions and financial markets significantly increase the performance of commercial banks in Cameroon. This was not the case with boards of directors and regulations.

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Understanding microfinance institutions and commercial banks’ relationships and innovations in the Cameroon financial environment

Cited by 8 publications

References 12 publications

Bottlenecks to Financial Development, Financial Inclusion, and Microfinance: A Case Study of Mauritania

Bottlenecks to Financial Development, Financial Inclusion, and Microfinance: A Case Study of Mauritania

How Can Fintech Companies Get Involved in the Environment?

Corporate governance hierarchies and the performance of commercial banks in Cameroon

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