IDEAS home Printed from https://ideas.repec.org/p/pra/mprapa/108680.html
   My bibliography  Save this paper

Barrières à l’accès aux services financiers bancaires par les entreprises en Mauritanie
[Barriers to Access to Financial Banking Services by enterprises in Mauritania]

Author

Listed:
  • LY, Yahya Abou

Abstract

The corporate finance is a major constraint to the business environment in Mauritania. In fact, enterprises in Mauritania have limited access to financial services. This study aims to identify the determinants of enterprises’ access to financial services. From enterprises to surveys data from the World Bank for Mauritania, this paper develops four separate probit econometric models for its test. The findings of the test reveal that demand factors (enterprises’ characteristics) and supply (costs and banking conditions) are major factors explaining the access to financial services.

Suggested Citation

  • LY, Yahya Abou, 2016. "Barrières à l’accès aux services financiers bancaires par les entreprises en Mauritanie [Barriers to Access to Financial Banking Services by enterprises in Mauritania]," MPRA Paper 108680, University Library of Munich, Germany, revised 15 Sep 2017.
  • Handle: RePEc:pra:mprapa:108680
    as

    Download full text from publisher

    File URL: https://mpra.ub.uni-muenchen.de/108680/1/MPRA_paper_108680.pdf
    File Function: original version
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Tidiane Kinda & Patrick Plane & Marie‐Ange Véganzonès‐Varoudakis, 2011. "Firm Productivity And Investment Climate In Developing Countries: How Does Middle East And North Africa Manufacturing Perform?," The Developing Economies, Institute of Developing Economies, vol. 49(4), pages 429-462, December.
    2. Beck, Thorsten & Demirguc-Kunt, Asli & Martinez Peria, Maria Soledad, 2007. "Reaching out: Access to and use of banking services across countries," Journal of Financial Economics, Elsevier, vol. 85(1), pages 234-266, July.
    3. James S. Ang, 1992. "On the Theory of Finance for Privately Held Firms," Journal of Entrepreneurial Finance, Pepperdine University, Graziadio School of Business and Management, vol. 1(3), pages 185-203, Spring.
    4. Josée St-Pierre & Nelly Karina Allepôt, 1998. "Le crédit bancaire aux PME: les banques discriminent-elles selon la taille ou selon le risque des entreprises emprunteuses?," Post-Print hal-01703268, HAL.
    5. George A. Akerlof, 1970. "The Market for "Lemons": Quality Uncertainty and the Market Mechanism," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 84(3), pages 488-500.
    6. James S. Ang, 1991. "Small Business Uniqueness and the Theory of Financial Management," Journal of Entrepreneurial Finance, Pepperdine University, Graziadio School of Business and Management, vol. 1(1), pages 1-13, Spring.
    7. Levine, Ross, 2005. "Finance and Growth: Theory and Evidence," Handbook of Economic Growth, in: Philippe Aghion & Steven Durlauf (ed.), Handbook of Economic Growth, edition 1, volume 1, chapter 12, pages 865-934, Elsevier.
    8. Berger, Allen N & Udell, Gregory F, 1995. "Relationship Lending and Lines of Credit in Small Firm Finance," The Journal of Business, University of Chicago Press, vol. 68(3), pages 351-381, July.
    9. 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.
    10. Elizabeth Asiedu & Isaac Kalonda-Kanyama & Leonce Ndikumana & Akwasi Nti-Addae, 2013. "Access to Credit by Firms in Sub-Saharan Africa: How Relevant Is Gender?," American Economic Review, American Economic Association, vol. 103(3), pages 293-297, May.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. César Camisón & José Antonio Clemente & Sergio Camisón-Haba, 2022. "Asset tangibility, information asymmetries and intangibles as determinants of family firms leverage," Review of Managerial Science, Springer, vol. 16(7), pages 2047-2082, October.
    2. Cardone Riportella, Clara & Cazorla Papis, Leonardo, 2001. "New approaches to the analysis of the capital structure of SME's: empirical evidence from Spanish firms," DEE - Working Papers. Business Economics. WB wb011003, Universidad Carlos III de Madrid. Departamento de Economía de la Empresa.
    3. Tensie Steijvers & Wim Voordeckers & Koen Vanhoof, 2010. "Collateral, relationship lending and family firms," Small Business Economics, Springer, vol. 34(3), pages 243-259, April.
    4. Cardone Riportella, Clara & Casasola, María José, 2003. "What do we know about the financial behaviour of the Spanish SME?: an empirical analysis," DEE - Working Papers. Business Economics. WB wb033708, Universidad Carlos III de Madrid. Departamento de Economía de la Empresa.
    5. Mallik, Girijasankar & Nguyen, Duc Nguyen & Chowdhury, Anis, 2022. "Does firm size really affect the outcome of loan applications?," Economic Analysis and Policy, Elsevier, vol. 74(C), pages 806-820.
    6. Song Zhang & Liang Han & Konstantinos Kallias & Antonios Kallias, 2021. "The value of in-person banking: evidence from U.S. small businesses," Review of Quantitative Finance and Accounting, Springer, vol. 57(4), pages 1393-1435, November.
    7. Giau Bui, Dien & Chen, Yehning & Lin, Chih-Yung & Lin, Tse-Chun, 2021. "Risk-taking of bank CEOs and corporate innovation," Journal of International Money and Finance, Elsevier, vol. 115(C).
    8. Richard B. Carter & Howard Van Auken, 2007. "Capital Acquisition Attitudes: Gender and Experience," Journal of Entrepreneurial Finance, Pepperdine University, Graziadio School of Business and Management, vol. 12(2), pages 55-74, Fall.
    9. Osei-Tutu, Francis & Weill, Laurent, 2022. "Bank efficiency and access to credit: International evidence," Economic Systems, Elsevier, vol. 46(3).
    10. Fredriksson, Antti & Moro, Andrea, 2014. "Bank–SMEs relationships and banks’ risk-adjusted profitability," Journal of Banking & Finance, Elsevier, vol. 41(C), pages 67-77.
    11. Bertocco, Giancarlo, 2008. "Finance and development: Is Schumpeter's analysis still relevant?," Journal of Banking & Finance, Elsevier, vol. 32(6), pages 1161-1175, June.
    12. Demoussis, Michael & Drakos, Konstantinos & Giannakopoulos, Nicholas, 2016. "The Impact of Sovereign Ratings on Eurozone SMEs Credit Rationing," MPRA Paper 76364, University Library of Munich, Germany.
    13. Chiwitt, Ulrich, 2014. "Ratingagenturen - Fluch oder Segen? Eine kritische Bestandsaufnahme," Arbeitspapiere der FOM 48, FOM Hochschule für Oekonomie & Management.
    14. Feghali, Khalil & Mora, Nada & Nassif, Pamela, 2021. "Financial inclusion, bank market structure, and financial stability: International evidence," The Quarterly Review of Economics and Finance, Elsevier, vol. 80(C), pages 236-257.
    15. James Ang & Rebel Cole & Daniel Lawson, 2010. "The Role of Owner in Capital Structure Decisions: An Analysis of Single-Owner Corporations," Journal of Entrepreneurial Finance, Pepperdine University, Graziadio School of Business and Management, vol. 14(3), pages 1-36, Fall.
    16. D’Amato Marcello & Di Pietro Christian & Pietroluongo Mariafortuna & Sorge Marco M., 2021. "Good Co(o)p or Bad Co(o)p? Redistribution Concerns and Competition in Credit Markets with Imperfect Information," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 21(2), pages 657-694, April.
    17. Giancarlo Bertocco & Andrea Kalajzić, 2019. "The Great Recession and the teaching of macroeconomics: A critical analysis of the Blanchard, Amighini and Giavazzi textbook," Working Papers PKWP1905, Post Keynesian Economics Society (PKES).
    18. Annabel Vanroose & Bert D’Espallier, 2009. "Microfinance and Financial Sector Development," Working Papers CEB 09-040.RS, ULB -- Universite Libre de Bruxelles.
    19. Bernini, Michele & Montagnoli, Alberto, 2017. "Competition and financial constraints: A two-sided story," Journal of International Money and Finance, Elsevier, vol. 70(C), pages 88-109.
    20. Geert Campenhout & Tom Caneghem, 2013. "How did the notional interest deduction affect Belgian SMEs’ capital structure?," Small Business Economics, Springer, vol. 40(2), pages 351-373, February.

    More about this item

    Keywords

    Financial services; access; enterprises; separates probit; Mauritania.;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G24 - Financial Economics - - Financial Institutions and Services - - - Investment Banking; Venture Capital; Brokerage
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • O21 - Economic Development, Innovation, Technological Change, and Growth - - Development Planning and Policy - - - Planning Models; Planning Policy

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:pra:mprapa:108680. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Joachim Winter (email available below). General contact details of provider: https://edirc.repec.org/data/vfmunde.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.