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

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Author Info
Marek HUDON
Tchakodo OURO-KOURA

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Abstract

Parmi 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. Copyright © 2008 The Authors Journal compilation © CIRIEC 2008.

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Article provided by Blackwell Publishing in its journal Annals of Public and Cooperative Economics.

Volume (Year): 79 (2008)
Issue (Month): 2 (06)
Pages: 301-322
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Handle: RePEc:bla:annpce:v:79:y:2008:i:2:p:301-322

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This page was last updated on 2009-11-27.

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