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A Modeling Study of the Micro-finance mpact on the Economic Performance of Micro-enterprises and the Well-being of Borrowers in Morocco: Case of Tangier-Tetouan - Al Hoceima Region

Author

Listed:
  • Mohamed B. S. Amrani

    (Abdelmalek Essaadi University, Faculty of Economics, Tangier, Morocco,)

  • Faris Hamza

    (Abdelmalek Essaadi University, Faculty of Economics of Tetouan, Morocco,)

  • El Hachloufi Mostapha

    (University of Hassan II, Faculty of Economics -Ain Seb a of Casablanca, Morocco.)

Abstract

This paper aims to study the impact of microfinance on the performance of micro-enterprises and the well-being of borrowers. From a methodological point of view, we have opted for an econometric study based on a multiple linear regression model realized on a sample of 200 Microcredit beneficiaries from two reference institutions in the Tangier-Tetouan-Al-Hoceima region. The results of this research indicate that micro-credits positively and partially influence the economic performance of micro-enterprises and the well-being of beneficiaries. The linear regression model shows that the economic performance of micro-enterprises is explained by two variables, namely: profit and savings while social performance (well-being of beneficiaries) is explained by two endogenous variables namely: improving the level of schooling of children, as well as improving food.

Suggested Citation

  • Mohamed B. S. Amrani & Faris Hamza & El Hachloufi Mostapha, 2018. "A Modeling Study of the Micro-finance mpact on the Economic Performance of Micro-enterprises and the Well-being of Borrowers in Morocco: Case of Tangier-Tetouan - Al Hoceima Region," International Journal of Economics and Financial Issues, Econjournals, vol. 8(5), pages 243-250.
    • Handle: RePEc:eco:journ1:2018-05-31
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    References listed on IDEAS

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    More about this item

    Keywords

    Microcredit; Impact; Economic Performance; Social Performance.;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • O1 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development

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