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The determinants of access to financial services for micro-credit associations: Application on Tunisian case

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Author Info

  • Sana Ben Abdessalem Kacem

    (University of Sfax, Faculty of Economics and management of Sfax, Tunisia)

  • Sonia Ghorbel Zouari

    (Institute higher of Administration of business of Sfax, (ISAAS) of the University of Sfax- Tunisia)

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    Abstract

    The objective of this study is to identify the socioeconomic factors which explain small farmers’ access to the services of the microcredit associations in Tunisia. The results of a binominal Logit model indicate that there is no discrimination against the poor while women do not proof to be the favorite customers for these associations. The absence of a guarantor is the main obstacle for access to the microcredit. The duration of the client relation to these associations is a determining factor in the access. But, this relation does not mean any improvement in the financing conditions particularly in terms of the guarantor.

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    Bibliographic Info

    Article provided by E3 Journals in its journal E3 Journal of Business Management and Economics..

    Volume (Year): 4 (2013)
    Issue (Month): 2 ()
    Pages: 031-046

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    Handle: RePEc:etr:series:v:4:y:2013:i:2:p:031-046

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    Related research

    Keywords: Microfinance; Rural financing; Small farmers; Access; Microcredit association.;

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