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Financement relationnel et coût du crédit des PME camerounaises

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  • Hélène Euphrasie Alouanga
  • Georges Kobou

Abstract

In Cameroon, small and medium-sized enterprises (SMEs) have a hard time gaining access to bank financing. This is due to the very high cost of credit. Relationship financing seems to be an important and effective strategy for reducing the cost of credit. The goal of this article is to analyze the effect of relationship financing on the cost of credit for Cameroonian SMEs. The study uses data from a survey of 600 Cameroonian SMEs in the cities of Douala and Yaoundé. To do this, we used the ordinary least squares (OLS) method. The results of our analyses show that relationship financing has a positive and significant effect on the cost of credit to Cameroonian SMEs as long as the banking relationship and trust last. JEL Classification: C01, G21, L25, O10, R10.

Suggested Citation

  • Hélène Euphrasie Alouanga & Georges Kobou, 2023. "Financement relationnel et coût du crédit des PME camerounaises," Revue d'économie financière, Association d'économie financière, vol. 0(2), pages 89-109.
    • Handle: RePEc:cai:refaef:ecofi_150_0089
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    More about this item

    JEL classification:

    • C01 - Mathematical and Quantitative Methods - - General - - - Econometrics
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L25 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Performance
    • O10 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - General
    • R10 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics - - - General

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