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Le microcrédit personnel : un modèle au potentiel inclusif limité

Author

Listed:
  • Jean-Marc Figuet

    (Larefi - Laboratoire d'analyse et de recherche en économie et finance internationales - UB - Université de Bordeaux)

  • Fabienne Pinos

    (Larefi - Laboratoire d'analyse et de recherche en économie et finance internationales - UB - Université de Bordeaux)

Abstract

This article assesses the use of personal microcredit guaranteed by the Social Cohesion Fund since its creation in France, in 2005. It shows that material and conceptual limitations inherent to the scheme hamper its use and effectiveness. The data highlight that the costs and organisational constraints assumed by lending financial institutions and social intermediaries weigh heavily against a more massive expansion of personal microcredit. Despite the optimistic impact reports undertaken by the Fédération nationale des Caisses d'épargne (2010), for example, or more recently at the request of the Caisse des dépôts et consignations (Gloukoviezoff, Rebière, 2013b), the article emphasizes that the scheme's actual design can lead to expenditures that are hard for the government to justify. The article concludes on the need for a complete overhaul of the scheme to make it a real driver of inclusion.

Suggested Citation

  • Jean-Marc Figuet & Fabienne Pinos, 2015. "Le microcrédit personnel : un modèle au potentiel inclusif limité," Post-Print hal-03897767, HAL.
    • Handle: RePEc:hal:journl:hal-03897767
    DOI: 10.7202/1028535ar
    as

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