The determinants of access to financial services for micro-credit associations: Application on Tunisian case
The objective of this study is to identify the socioeconomic factors which explain small farmers’ access to the services of the microcredit associations in Tunisia. The results of a binominal Logit model indicate that there is no discrimination against the poor while women do not proof to be the favorite customers for these associations. The absence of a guarantor is the main obstacle for access to the microcredit. The duration of the client relation to these associations is a determining factor in the access. But, this relation does not mean any improvement in the financing conditions particularly in terms of the guarantor.
Volume (Year): 4 (2013)
Issue (Month): 2 ()
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