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Plastic financial inclusion in the Comoros: an AORA model of institutional obstacles and adoption dynamics
[«Inclusion financière plasticienne aux Comores : une modélisation AORA des freins institutionnels et des dynamiques d'adoption»]

Author

Listed:
  • Philibert Andriamanantena

    (École Doctorale Modélisation Informatique - Université de Fianarantsoa , Laboratoire de Mathématique et Application de l’Université de Fianarantsoa)

  • Abdou Issouf

    (Dynamique Économique et Juridique des secteurs Informels et Formels, Université des Comores, abdouissouf8631@gmail)

Abstract

Cette recherche propose une application du paradigme AORA à l'étude de l'inclusion financière aux Comores. En mobilisant les données d'enquête recueillies en 2025, nous calibrons un opérateur de plasticité institutionnelle qui capture les freins et les dynamiques d'adaptation du système financier comorien. Les résultats montrent qu'une plasticité intermédiaire (θ ≈ 0.6) offre le meilleur ajustement empirique, confirmant que les institutions ne sont ni rigides ni parfaitement flexibles, mais évoluent progressivement. Les scénarios prospectifs révèlent l'impact positif de politiques combinées -réduction des frais, extension du mobile money, finance islamique et éducation financière -sur l'élargissement de l'accès aux services financiers. Ces résultats mettent en évidence le rôle central de la plasticité institutionnelle dans la soutenabilité des réformes.

Suggested Citation

  • Philibert Andriamanantena & Abdou Issouf, 2025. "Plastic financial inclusion in the Comoros: an AORA model of institutional obstacles and adoption dynamics [«Inclusion financière plasticienne aux Comores : une modélisation AORA des freins institu," Working Papers hal-05284856, HAL.
    • Handle: RePEc:hal:wpaper:hal-05284856
    Note: View the original document on HAL open archive server: https://hal.science/hal-05284856v1
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