IDEAS home Printed from https://ideas.repec.org/a/jaf/journl/v13y2022i1n410.html
   My bibliography  Save this article

Offre des services de microfinance en Afrique subsaharienne

Author

Listed:
  • Djoufouet WULLI FAUSTIN

Abstract

Objectif : cet article a pour objectif d’analyser l’impact des services de la microfinance sur l’amélioration des conditions de vie des bénéficiaires en Afrique subsaharienne.Méthodologie : Pour atteindre cet objectif, une régression multiple sur des données collectées sur la base de données de Global Findex sur une période de 2011 à 2017 a été appliquée.Résultats : À l’issue des analyses, on constate que la microfinance a certes inclut financièrement les personnes excluent du système financier traditionnel mais n’a vraiment pas amélioré leurs conditions de vie. Les institutions de la microfinance en Afrique Subsaharienne mettent plus l’accent sur leur rentabilité au détriment de l’amélioration des conditions de vie de leurs clients. Par ailleurs, les bénéficiaires de la microfinance peinent toujours à vivre des revenus de leurs microprojets.Originalité / pertinence : cette étude a permis de montrer que la microfinance s’éloigne de plus en plus de ses objectifs originels, les institutions de microfinance sont devenues une sorte de banque qui « banquent » les pauvres.

Suggested Citation

  • Djoufouet WULLI FAUSTIN, 2022. "Offre des services de microfinance en Afrique subsaharienne," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 13(1), pages 31-42, June.
    • Handle: RePEc:jaf:journl:v:13:y:2022:i:1:n:410
    as

    Download full text from publisher

    File URL: https://www.scientific-society.com/journal/index.php/AF/article/view/526
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. repec:wea:worler:v:2012:y:2012:i:1:p:2 is not listed on IDEAS
    2. Wulli Faustin DJOUFOUET, 2019. "La microfinance en zones rurales : quel bilan en Afrique Centrale ?," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 10(2), pages 39-48, December.
    3. Wulli Faustin DJOUFOUET, 2019. "microfinance en zones rurales : quel bilan en Afrique Centrale ?," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 10(2), pages 39-48, December.
    4. Milford Bateman & Ha-Joon Chang, 2012. "Microfinance and the Illusion of Development: From Hubris to Nemesis in Thirty Years," World Economic Review, World Economics Association, vol. 2012(1), pages 1-13, September.
    5. Amendola,Alessandra & Boccia,Marinella & Mele,Gianluca & Sensini,Luca, 2016. "Financial access and household welfare : evidence from Mauritania," Policy Research Working Paper Series 7533, The World Bank.
    6. Shahidur R. Khandker, 2005. "Microfinance and Poverty: Evidence Using Panel Data from Bangladesh," The World Bank Economic Review, World Bank, vol. 19(2), pages 263-286.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Wulli Faustin DJOUFOUET, 2019. "microfinance en zones rurales : quel bilan en Afrique Centrale ?," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 10(2), pages 39-48, December.
    2. Koloma, Yaya, 2019. "Microfinance et réduction de la pauvreté selon le genre au Mali : un réexamen des données de 2007-2008 [Microfinance and Poverty Reduction by Gender in Mali: A Review of 2007-2008 data]," MPRA Paper 94745, University Library of Munich, Germany.
    3. Lahiri, Bidisha & Daramola, Richard, 2023. "Effects of credit and labor constraints on microenterprises and the unintended impact of changes in household endowments: Use of threshold estimation to detect heterogeneity," The Quarterly Review of Economics and Finance, Elsevier, vol. 88(C), pages 21-38.
    4. Wulli Faustin DJOUFOUET, 2019. "La microfinance en zones rurales : quel bilan en Afrique Centrale ?," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 10(2), pages 39-48, December.
    5. Kim, Youngwan & Sohn, Hyuk-Sang & Park, Bokyeong, 2019. "Make the village better: An evaluation of the Saemaul Zero Hunger Communities Project in Tanzania and Bangladesh," World Development, Elsevier, vol. 124(C), pages 1-1.
    6. Abu S. Shonchoy, 2015. "Seasonal Migration and Microcredit During Agricultural Lean Seasons: Evidence from Northwest Bangladesh," The Developing Economies, Institute of Developing Economies, vol. 53(1), pages 1-26, March.
    7. Asad K. Ghalib & Issam Malki & Katsushi S. Imai, 2012. "Microfinance and its role in household poverty reduction: findings from Pakistan," Global Development Institute Working Paper Series 17312, GDI, The University of Manchester.
    8. Islam, Asadul & Nguyen, Chau & Smyth, Russell, 2015. "Does microfinance change informal lending in village economies? Evidence from Bangladesh," Journal of Banking & Finance, Elsevier, vol. 50(C), pages 141-156.
    9. Renata Baborska & Emilio Hernandez & Emiliano Magrini & Cristian Morales-Opazo, 2020. "The impact of financial inclusion on rural food security experience: A perspective from low-and middle-income countries," Review of Development Finance Journal, Chartered Institute of Development Finance, vol. 10(2), pages 1-18.
    10. Md. Masud Parvej & Md. Asad Iqbal Chowdhury & Md. Kazi Golam Azam & Md. Musharof Hossain & Abdullah Mohammad Ahshanul Mamun, 2020. "Role of Islamic Microfinance in Alleviating Poverty in Bangladesh: A Study on RDS of IBBL," International Journal of Financial Research, International Journal of Financial Research, Sciedu Press, vol. 11(4), pages 111-129, July.
    11. Md Aslam Mia & V. G. R. Chandran, 2016. "Measuring Financial and Social Outreach Productivity of Microfinance Institutions in Bangladesh," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 127(2), pages 505-527, June.
    12. van den Bold, Mara & Quisumbing, Agnes R. & Gillespie, Stuart, 2013. "Women’s empowerment and nutrition: An evidence review:," IFPRI discussion papers 1294, International Food Policy Research Institute (IFPRI).
    13. Imai, Katsushi S. & Gaiha, Raghav & Thapa, Ganesh & Annim, Samuel Kobina, 2012. "Microfinance and Poverty—A Macro Perspective," World Development, Elsevier, vol. 40(8), pages 1675-1689.
    14. Merrey, D. J. & Lefore, Nicole, 2018. "Improving the availability and effectiveness of rural and “Micro” finance for small-scale irrigation in Sub-Saharan Africa: a review of lessons learned," IWMI Working Papers H049027, International Water Management Institute.
    15. Paul J. Salia, 2014. "The Effect of Microcredit on the Household Welfare (Empirical Evidences from Women Micro-entrepreneurs in Tanzania)," International Journal of Academic Research in Business and Social Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Business and Social Sciences, vol. 4(5), pages 259-272, May.
    16. Khandker, Shahidur R. & Khalily, M. A. Baqui & Samad, Hussain A., 2010. "Seasonal and extreme poverty in Bangladesh : evaluating an ultra-poor microfinance project," Policy Research Working Paper Series 5331, The World Bank.
    17. Simon Zaby, 2019. "Science Mapping of the Global Knowledge Base on Microfinance: Influential Authors and Documents, 1989–2019," Sustainability, MDPI, vol. 11(14), pages 1-21, July.
    18. Ha Hong Nguyen, 2018. "The Factors Affecting the Access to Banking Credits of Family Businesses in Tra Vinh Province, Vietnam," International Journal of Economics and Financial Issues, Econjournals, vol. 8(5), pages 64-67.
    19. Gutiérrez-Nieto, Begoña & Serrano-Cinca, Carlos, 2019. "20 years of research in microfinance: An information management approach," International Journal of Information Management, Elsevier, vol. 47(C), pages 183-197.
    20. Janda, Karel & Zetek, Pavel, 2014. "Mikrofinanční Revoluce: Aktuální Kontroverze A Výzvy [Microfinance Revolution: Recent Controversies And Challenges]," MPRA Paper 54098, University Library of Munich, Germany.

    More about this item

    Keywords

    succès ; échec ; microfinance ; inclusion financière; success ; failure ; microfinance ; financial inclusion;
    All these keywords.

    JEL classification:

    • M1 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration
    • N8 - Economic History - - Micro-Business History
    • G3 - Financial Economics - - Corporate Finance and Governance

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:jaf:journl:v:13:y:2022:i:1:n:410. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Oussama Elkaceh (email available below). General contact details of provider: https://edirc.repec.org/data/urredtn.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.