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Les Facteurs Déterminants De La Performance Sociale Et De La Performance Financière Des Institutions De Microfinance Dans La Région Mena : Une Analyse En Coupe Instantanée

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  • Philippe ADAIR

    ()
    (ERUDITE, Université Paris-Est Créteil)

  • Imène BERGUIGA

    ()
    (ERUDITE, Université Paris-Est Créteil)

Abstract

La microfinance se développe progressivement dans la région du Moyen-Orient et d’Afrique du Nord (MENA) à travers des institutions de microfinance (IMF) très variées. L’objectif de la plupart de ces IMF est de concilier la performance sociale (PS) qui vise à réduire la pauvreté et la performance financière (PF) qui vise à assurer une rentabilité pérenne. Y a t-il arbitrage ou compatibilité entre ces deux types de performances ? Une analyse factorielle en coupe instantanée sur un échantillon de 51 IMF dans 9 pays de la région MENA examine la relation entre ces deux performances. Il n’y a pas d’arbitrage pour certaines IMF qui conjuguent les deux performances, dont les facteurs déterminants varient notamment selon le statut (ONG vs non ONG), la maturité, la méthodologie de prêt (solidaire vs individuel), la zone d’interven-tion (rurale vs urbaine), le niveau de transparence informationnelle, la locali-sation géographique et la réglementation des pays dans lesquels œuvrent ces IMF. Abstract - Microfinance is gradually developing in the Middle East and North Africa (MENA) region through a variety of microfinance institutions (MFIs), and the goal of most of these institutions is to achieve the best performance, which can be reached once an MFI is able to reconcile its social performance (SP), by reducing poverty, and its financial performance (FP), by trying to be profitable and sustainable. 1s there a trade-off between these two performances or are they compatible? Following a cross-section factor analysis, we examine the relationship between SP and FP on a sample of 51 MFIs in 9 selected countries of the MENA region: There is no trade-off for some MFIs, which achieve both performances; the determinants vary according to the status (NGO vs. non NGO), maturity, credit methodology (collective vs. individual), intervention areas (rural vs. urban), level of information disclosure, location and regulations of the countries wherein MFIs operate.

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Bibliographic Info

Article provided by Region et Developpement, LEAD, Universite du Sud - Toulon Var in its journal Région et Développement.

Volume (Year): 32 (2010)
Issue (Month): ()
Pages: 91-120

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Handle: RePEc:tou:journl:v:32:y:2010:p:91-120

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Related research

Keywords: INSTITUTIONS DE MICROFINANCE; MENA; PAUVRETÉ; PERFORMANCE FINANCIÈRE; PERFORMANCE SOCIALE;

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  1. Conning, Jonathan, 1999. "Outreach, sustainability and leverage in monitored and peer-monitored lending," Journal of Development Economics, Elsevier, vol. 60(1), pages 51-77, October.
  2. Besley, T. & Coate, S., 1991. "Group Lending, Repayment Incentives And Social Collateral," Papers 152, Princeton, Woodrow Wilson School - Development Studies.
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Cited by:
  1. Ben Abdelkader, Ines & Hathroubi, Salem & Ben Jemaa, Mohamed Mekki, 2012. "Microfinance Institutions’ Efficiency in the MENA region: a Bootstrap-DEA approach," EconStor Preprints 69525, ZBW - German National Library of Economics.

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