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Marché du crédit et travail décent au Burkina Faso

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  • Adama Zerbo

    (GED, Université Montesquieu Bordeaux IV)

Abstract

Cette étude visait à dégager des pistes de réflexions pour une meilleure coordination des politiques visant à faciliter l’accès au crédit et à optimiser son allocation dans l’économie pour plus de travail décent au Burkina Faso. Elle montre que le marché du crédit burkinabé est compartimenté en quatre segments qui se distinguent par les mécanismes d’offre de crédit, de gestion de l’information et du risque de crédit. Par ailleurs, l’appel public à l’épargne de l’Etat s’apparente au financement des dépenses publiques par le circuit bancaire au regard de ses effets directs significatifs sur le marché crédit. Le cloisonnement du marché du crédit réduirait significativement l’efficacité des instruments traditionnels de politique monétaire, ainsi que l’impact du marché du crédit sur le travail décent. Pour y remédier, les pistes de réflexions suivantes méritent d’être approfondies : (i) la mise en place d’un système de garanties accessible aux petites et moyennes entreprises, (ii) le renforcement de l’efficacité du système judiciaire pour améliorer le taux de recouvrement des crédits en souffrance afin de réduire l’aversion des banquiers pour le risque, (iii) l’accroissement de la disponibilité et la fiabilité de l’information comptable au niveau des PME afin de permettre aux créanciers d’apprécier le risque à prendre et (iv) le développement à l’horizontale et à la verticale du micro-crédit pour une complémentarité efficace entre crédit bancaire et micro-crédit. This paper aimed to underline reflections tracks for better coordination of credit market policies in Burkina Faso so as to boost decent work. It shows that Burkina Faso credit market has four compartments which are characterized by their credit supply, information and risk management mechanisms. In addition, Treasury bond emission remains equal to the financing of public expenditure by banking system in regard to his effects on credit market. The segmentation of credit market would significantly reduce effective of monetary policy and impact of credit market on decent work. To cure it, following reflections tracks have to be thorough: (i) creating guarantees device accessible to SME; (ii) reinforcing legal system effectiveness to improve the recovery rate of overdue credits in order to reduce bankers’ aversion for risk; (iii) improving of availability and reliability of hard information in SME in turn to allow creditors to assess the risk; (iv) horizontal and vertical development of micro-credit for effective complementary between banking system and microfinance. (Full text in french)

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File URL: http://ged.u-bordeaux4.fr/ceddt133.pdf
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Bibliographic Info

Paper provided by Groupe d'Economie du Développement de l'Université Montesquieu Bordeaux IV in its series Documents de travail with number 133.

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Length: 24 pages
Date of creation: Nov 2006
Date of revision:
Handle: RePEc:mon:ceddtr:133

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  1. Spence, A Michael, 1973. "Job Market Signaling," The Quarterly Journal of Economics, MIT Press, vol. 87(3), pages 355-74, August.
  2. Florent BRESSON, 2004. "Effet du développement financier sur les inégalités de revenus au travers des investissements productifs et éducatifs," Working Papers 200409, CERDI.
  3. Adama Zerbo, 2002. "Une approche non probabiliste d'analyse de la dynamique multidimensionnelle du bien-être. Pauvreté, vulnérabilité et exclusion," Documents de travail 70, Groupe d'Economie du Développement de l'Université Montesquieu Bordeaux IV.
  4. Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 71(3), pages 393-410, June.
  5. Rodgers G, 1985. "Labour markets, labour processes and economic development: some research issues," ILO Working Papers 241842, International Labour Organization.
  6. Weiss, Andrew W, 1980. "Job Queues and Layoffs in Labor Markets with Flexible Wages," Journal of Political Economy, University of Chicago Press, vol. 88(3), pages 526-38, June.
  7. McCall, John J, 1970. "Economics of Information and Job Search," The Quarterly Journal of Economics, MIT Press, vol. 84(1), pages 113-26, February.
  8. Adama Zerbo, 2006. "Marché du travail urbain et pauvreté en Afrique subsaharienne : un modèle d’analyse," Documents de travail 129, Groupe d'Economie du Développement de l'Université Montesquieu Bordeaux IV.
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Cited by:
  1. Adama Zerbo, 2010. "Politiques actives du marché du travail en Afrique : un cadre d'analyse théorique," Documents de travail 154, Groupe d'Economie du Développement de l'Université Montesquieu Bordeaux IV.

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