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Déterminants de la performance des institutions de micro-crédits : UEMOA et BRICS

Abstract : Microfinance is a way for helping poor people and it is used to give financial services to a part of the population excluded from formal bank system, short of guarantee that may lead to risk of default. To this end, to continue their activities in a sustainable way the MFI must ensure economic or financial performance while respecting their social objectives to grant loans to the greatest number of poor. In this way, the questions about economical, financial and social performance of microcredit organization are essential. The economic performance is the profitability of economic asset (equity and financial debt); the financial performance focuses on the return on equity, while social performance is understood in terms of supply credit. The research has concerned WAEMU and BRICS (with exception of Russia) during a period of 16 years. The data is processed by the Stata11 software using panel data econometrics. Following the different regressions we get a correlation between social performance and debt variable (positive), equity (positive), portfolio quality (negative) and economic performance (negative).The financial performance is positively correlated with active customers, the saving volume and subsidies and is negatively correlated with portfolio at risk. The economic performance is correlated with the active customers (positively), the volume of subsidies (positively) and the portfolio at risk (negatively). Following these results, suggestions were done to permit MFI to achieve the set objectives.
Keywords : Mfi Economic Social
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  • HAL Id : tel-02484810, version 2

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Mamadou Ndione. Déterminants de la performance des institutions de micro-crédits : UEMOA et BRICS. Gestion et management. Université Bourgogne Franche-Comté, 2019. Français. ⟨NNT : 2019UBFCG001⟩. ⟨tel-02484810v2⟩

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