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Financement Bancaire des Petites et Moyennes Entreprises au Cameroun

Author

Listed:
  • André Dumas Tsambou
  • Christian Zamo Akono
  • Ludwick Ndokang Esone
  • Roger Tsafack Nanfosso

Abstract

Le présent travail a pour objectif d'identifier les déterminants du financement bancaire des PME camerounaises. Il s'appuie pour cela sur l'enquête « Formulation d'un Plan de Développement Local des PME au Cameroun » réalisée auprès de 413 PME par le ministère des petites et moyennes entreprises, de l'économie sociale et de l'artisanat (MINPMEESA) du Gouvernement camerounais et l'Agence Japonaise de Coopération Internationale (JICA). Nous utilisons un modèle logit simple et les méthodes d'estimations récentes. L'analyse statistique des données révèle que les PME autofinancent leurs activités à court terme et font recours aux institutions financières à long terme. L'analyse économétrique a montré que les principaux déterminants du financement des PME sont la présence régulière des effets financiers, la qualité des garanties offertes, la taille de la PME, la rentabilité et le capital social (appartenance aux réseaux sociaux, participation des étrangers au capital, soutien des autorités gouvernementales). Cependant, les relations sociales qui sont des indicateurs du degré de confiance des PME améliorent significativement la probabilité d'accès au financement bancaire en réduisant le degré d'opacité des PME aux yeux du banquier.The present work aims to identify the determinants of financing banking Cameroonian SMEs. It is based on the survey ‘Formulation of Local Development Plan for SMEs in Cameroon’ conducted among 413 SMEs by the Ministry of Small and Medium Enterprises, Social Economy and Handicraft (MINPMEESA) Government of Cameroon and Japan International Cooperation Agency (JICA). We use a simple logit model and robust statistical tests. The results of our analysis reveal that SMEs in the short term self†finance their business while in the long run they use financial institution funds. Moreover, analysis of the determinants of their access to external finance reveal that the main determinants of SME financing are: regular presence of financial effects, the cost of financing, quality guarantees, the SME size, its profitability, the skills of the manager and the social capital. The latter significantly improves SMEs' conditions of access to credit by reducing their degree of opacity in the eyes of bankers.

Suggested Citation

  • André Dumas Tsambou & Christian Zamo Akono & Ludwick Ndokang Esone & Roger Tsafack Nanfosso, 2017. "Financement Bancaire des Petites et Moyennes Entreprises au Cameroun," African Development Review, African Development Bank, vol. 29(4), pages 648-659, December.
    • Handle: RePEc:bla:afrdev:v:29:y:2017:i:4:p:648-659
    DOI: 10.1111/1467-8268.12302
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    References listed on IDEAS

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