SFC Modeling. Commercial Banks’s influence on macroeconomics dynamics and their impacts on the economic growth potentials in developing countries: the case of Côte d’Ivoire and Niger, Member of the West African Economic and Monetary Union ‘countries (WAEMU)

This master thesis examines how commercial banking behaviors, specifically conservative and selective credit practices, affect macroeconomic recovery in developing countries, using Côte d'Ivoire and Niger as case studies within the WAEMU region. Its originality lies in embedding behavioral assumptions into a stock-flow consistent (SFC) model calibrated to each country's structural characteristics. Through dynamic simulations, the study shows that conservative lending deepens recessions by restricting credit access, while selective lending, though less destabilizing, constrains inclusive growth through allocative bias. Statistical validation confirms these dynamics, highlighting that banking behavior critically shapes investment, employment, and GDP recovery. The findings offer policy insights for reforming credit allocation mechanisms to strengthen macro-financial resilience in WAEMU economies.