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Taux D'Interet Effectif, Viabilite Financiere Et Financement Des Petits Operateurs Economiques Par Les Institutions De Microfinance Au Benin

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    Les institutions de microfinance (IMF) ont accompli le miracle de faciliter l'accès aux services financiers à des milliers d'exclus du système bancaire classique dans les pays en développement. Mais une polémique naît quant aux coûts élevés associés auxdits services. Cette étude a évalué le niveau de taux d'intérêt viable pour la microfinance en termes d'offre de services financiers. Les résultats montrent que les micro-projets dont le taux de rentabilité interne ne dépasse pas 42% ne pourraient être financés par les institutions de microfinance. Quasiment aucune IMF n'assurerait son autosuffisance opérationnelle, donc sa pérennité en respectant le seuil légal fixéà 27%. Copyright © 2008 The Author Journal compilation © CIRIEC 2008.

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    Article provided by Wiley Blackwell in its journal Annals of Public and Cooperative Economics.

    Volume (Year): 79 (2008)
    Issue (Month): 1 (03)
    Pages: 161-195

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    Handle: RePEc:bla:annpce:v:79:y:2008:i:1:p:161-195
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