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Determinants of deposits volatility: The case of the microfinance sector in gabon

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  • Keddad, Benjamin
  • Obiang, Jean Robert Obiang

Abstract

Microfinance shows a tendency to seek profitability by increasingly neglecting its social objective. This paper seeks to enrich the debate on the explanation of such a duality by analyzing the determinants of deposit volatility taking Gabon as a field of investigation whose microfinance sector is particularly dominated by short-term deposits. Using the 2014–2020 period from a fully modified least squares model, we find that deposit volatility is influenced in the short term by inflation and in the long term by the business cycle and governance. These results have important implications in terms of poverty reduction in Gabon where microfinance can play a crucial role.

Suggested Citation

  • Keddad, Benjamin & Obiang, Jean Robert Obiang, 2024. "Determinants of deposits volatility: The case of the microfinance sector in gabon," Research in International Business and Finance, Elsevier, vol. 67(PA).
    • Handle: RePEc:eee:riibaf:v:67:y:2024:i:pa:s0275531923002349
    DOI: 10.1016/j.ribaf.2023.102108
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    Keywords

    Microfinance; Short-term deposits; Funding; Deposit volatility;
    All these keywords.

    JEL classification:

    • C22 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Time-Series Models; Dynamic Quantile Regressions; Dynamic Treatment Effect Models; Diffusion Processes
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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