Microcrédit et travail au noir. L'informalité est-elle soluble dans la solvabilité ?
AbstractThis paper, based on an ongoing study conducted in a Seine-Saint-Denis branch of a microcredit association, explores the impact of microcredit on one aspect of illegal work, which is unregistered small economic activities. The association refers to these as small income-generating activities. The method used was mainly ethnographic (participant observation, interviews), but also consisted in the review of judicial and administrative sources. The exploratory exploitation of a database also provided some of the results outlined here. The association attempts to accompany socially-marginalized people towards registration, but accepts to finance undeclared work to a certain extent. The targeting of the undeclared entrepreneurs can be explained among other reasons by the aim of the association to be financially sustainable. These entrepreneurs, who are in significant proportion immigrants and gypsies, are involved in a survival economy, far from the classic capitalist enterprise. The registration is made possible by government support, through specific measures such as accre (aid for the unemployed who create their own businesses, under the form of tax exemption), and by the social contributions of the association, more than by microcredit itself. But after the three-year period of tax exemption, the situation of the clients appears to have remained precarious, and the few who registered still tend to keep things off the books. In conclusion, more in depth study is needed, in particular to apprehend the impact of the objective of financial sustainability. Classification JEL : E51, G21, H26, Z13.
Download InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
As the access to this document is restricted, you may want to look for a different version under "Related research" (further below) or search for a different version of it.
Bibliographic InfoArticle provided by Presses de Sciences-Po in its journal Revue économique.
Volume (Year): 60 (2009)
Issue (Month): 5 ()
Contact details of provider:
Web page: http://www.cairn.info/revue-economique.htm
Find related papers by JEL classification:
- E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
- H26 - Public Economics - - Taxation, Subsidies, and Revenue - - - Tax Evasion
- Z13 - Other Special Topics - - Cultural Economics - - - Economic Sociology; Economic Anthropology; Social and Economic Stratification
You can help add them by filling out this form.
reading list or among the top items on IDEAS.Access and download statisticsgeneral information about how to correct material in RePEc.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Jean-Baptiste de Vathaire).
If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.
If references are entirely missing, you can add them using this form.
If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.
If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.
Please note that corrections may take a couple of weeks to filter through the various RePEc services.