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Financements intermédiés et informalité en Afrique

Author

Listed:
  • Gregory Mvogo

    (Essec Business School, Université de Douala)

  • Mohamed Coulibaly

    (LEO - Laboratoire d'Économie d'Orleans [2022-...] - UO - Université d'Orléans - UT - Université de Tours - UCA - Université Clermont Auvergne)

  • Modeste Abate

    (Essec Business School, Université de Douala)

  • Novice Bakehe

    (Essec Business School, Université de Douala)

Abstract

Cet article analyse l'impact des financements intermédiés des institutions financières internationales sur le niveau d'informalité des économies africaines. En s'appuyant sur un panel de 39 pays africains couvrant la période 2000-2018, l'étude évalue dans quelle mesure ces financements, canalisés via des intermédiaires financiers locaux, constituent un levier de formalisation des activités économiques, en particulier des petites et moyennes entreprises. L'analyse mobilise une approche quasi-expérimentale combinant l'équilibrage entropique comme méthode principale et l'appariement par score de propension pour les tests de robustesse. Les résultats empiriques montrent que les financements intermédiés exercent un effet négatif et statistiquement significatif sur l'informalité, avec une réduction comprise entre 8 % et 13 % selon les spécifications. Ces résultats suggèrent que l'accès à des ressources longues et formalisées renforce l'inclusion financière, améliore la transparence et incite les entreprises à se conformer aux exigences institutionnelles. L'étude comble ainsi un vide dans la littérature en mettant en évidence le rôle spécifique des financements intermédiés comme instrument de soutien à la formalisation et au développement économique en Afrique.

Suggested Citation

  • Gregory Mvogo & Mohamed Coulibaly & Modeste Abate & Novice Bakehe, 2026. "Financements intermédiés et informalité en Afrique," Working Papers hal-05609934, HAL.
    • Handle: RePEc:hal:wpaper:hal-05609934
    Note: View the original document on HAL open archive server: https://hal.science/hal-05609934v1
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    Keywords

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    JEL classification:

    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • C21 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Cross-Sectional Models; Spatial Models; Treatment Effect Models
    • O55 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Africa
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • O55 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Africa
    • C21 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Cross-Sectional Models; Spatial Models; Treatment Effect Models

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