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Credit individuel et informalite sont-ils compatibles ? Une experience bresilienne

Author

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  • Laure Jaunaux

Abstract

Cet article etudie les determinants de l’allocation, puis du remboursement du microcredit dans un cadre peu analyse : un programme de microcredit individuel développe dans les principales favelas de Rio de Janeiro. Le but est plus precisement d’analyser le lien existant entre l’informalite de l’activite et la discipline de credit. Nous nous demandons si le microcredit individuel cible bien les entrepreneurs informels exclus des services financiers traditionnels et consideres comme un potentiel economique important au Bresil. Puis, nous nous interrogeons sur les capacites de remboursement de ces agents. Les resultats font ressortir une contradiction entre les criteres de selection et les déterminants des performances de remboursement des agents : un agent disposant d’une entreprise formelle a plus de chances d’avoir acces a un microcredit ex ante mais s’avere etre ex post un “mauvais” payeur. Apparemment, l’acces des emprunteurs formels a des sources alternatives de financement pourrait affecter negativement la discipline de remboursement.

Suggested Citation

  • Laure Jaunaux, 2007. "Credit individuel et informalite sont-ils compatibles ? Une experience bresilienne," Economie Internationale, CEPII research center, issue 112, pages 99-131.
  • Handle: RePEc:cii:cepiei:2007-4te
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    File URL: http://www.cepii.fr/IE/rev112/rev112e.htm
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    More about this item

    Keywords

    Econometrie des variables qualitatives; donnees de panel; performances de remboursement; microcredit individuel; economie informelle;

    JEL classification:

    • C23 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Models with Panel Data; Spatio-temporal Models
    • C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions; Probabilities
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements

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