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Adoption des technologies de l’information et de la communication en microfinance : expériences sénégalaises

Author

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  • François-Seck Fall
  • Ousmane Birba

Abstract

This paper analyzes the factors that explain the adoption of information and communication technologies (ICT) in the Senegalese microfinance industry. It also attempts to highlight the effect of their integration in microfinance on the social mission of microfinance institutions (MFIs). We use the survey data ?NTIC, Growth and Poverty in Senegal?, a probability survey conducted in 2010 by the Consortium for Economic and Social Research (CRES). We mobilize two main approaches: bivariate descriptive analysis completed by an ACM and a logit model. The results show that the adoption of ICT depends on the characteristics of the MFI such as age and sex of the manager, the organization mode, size, etc. It also depends on the nature of its financial products and services. Some intensive services technology encourage investment in MFIs ICT, while others not. Investment in ICT significantly increases the likelihood that the MFI is socially efficient. Codes JEL : O33, G21, O12.

Suggested Citation

  • François-Seck Fall & Ousmane Birba, 2015. "Adoption des technologies de l’information et de la communication en microfinance : expériences sénégalaises," Revue d’économie du développement, De Boeck Université, vol. 23(2), pages 71-101.
    • Handle: RePEc:cai:edddbu:edd_292_0071
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    Citations

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    Cited by:

    1. Fall, François & Akim, Al-mouksit & Wassongma, Harouna, 2018. "DEA and SFA research on the efficiency of microfinance institutions: A meta-analysis," World Development, Elsevier, vol. 107(C), pages 176-188.
    2. François-Seck Fall, 2017. "Determinants of Microfinance institutions' access to bank credit in Senegal," Post-Print hal-01538412, HAL.
    3. François Seck Fall, 2017. "Determinants of Microfinance institutions' access to bank credit in Senegal," Economics Bulletin, AccessEcon, vol. 37(2), pages 1327-1338.

    More about this item

    Keywords

    information and communication technologies; microfinance; Senegal; social performance;
    All these keywords.

    JEL classification:

    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O12 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Microeconomic Analyses of Economic Development

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