IDEAS home Printed from https://ideas.repec.org/p/hal/journl/hal-05070860.html
   My bibliography  Save this paper

The influence of banking relationship intensity on credit rationing for SMEs in Senegal
[L'influence de l'intensité de la relation bancaire sur le rationnement du crédit des PME au Sénégal]

Author

Listed:
  • Mouhamadou Dia

    (UCAD - Cheik Anta Diop University)

Abstract

The purpose of this article is to study the impact of the intensity of the banking relationship on the credit rationing of SMEs. In the literature, two types of approaches explain the bank financing relationship: the transactional approach and the relational approach. In our study, we favored the relational approach as a possibility of reducing the constraints linked to access to bank financing for SMEs. To respond to the theoretical hypotheses formulated in our study, we conducted econometric tests on a sample of 152 Senegalese SMEs. Our results show that the fact of working overtime with a particular bank allows the SME to have easier access to credit. Working with a small bank also gives the SME easier access to credit. However, multi-banking does not promote access to credit.

Suggested Citation

  • Mouhamadou Dia, 2025. "The influence of banking relationship intensity on credit rationing for SMEs in Senegal [L'influence de l'intensité de la relation bancaire sur le rationnement du crédit des PME au Sénégal]," Post-Print hal-05070860, HAL.
    • Handle: RePEc:hal:journl:hal-05070860
    DOI: 10.5281/zenodo.15226438
    Note: View the original document on HAL open archive server: https://hal.science/hal-05070860v1
    as

    Download full text from publisher

    File URL: https://hal.science/hal-05070860v1/document
    Download Restriction: no
    File URL: https://libkey.io/10.5281/zenodo.15226438?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    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:hal:journl:hal-05070860. 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.

    We have no bibliographic references for this item. You can help adding them by using 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: CCSD (email available below). General contact details of provider: https://hal.archives-ouvertes.fr/ .

    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.