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Essai sur le système financier: une analyse du marché du crédit en Afrique Subsaharienne
[Essay on the financial system: an analysis of credit market in Sub-Saharan Africa]

Author

Listed:
  • Thiombiano, Lardia Marcel

Abstract

This paper aims to characterize the behavior of economic agents on Sub-Saharan Africa’s credit market in order to understand the financial exclusion of poor households. Through its theoretical approach, it gives a description of the functioning of the credit market. By considering the social interactions (social signal) as a starting point and the main determinant of the economic fact, it leads to three main results: (i) the credit supply is inversely proportional to interest rate, (ii) the need for social mobility (the pursuit of a better-being) is the main determinant of the credit demand, (iii) the financial market in Sub-Saharan Africa has three formal segments and one informal segment. Moreover, it demonstrates that in the credit market of Sub-Saharan Africa, the imbalance is the rule because only one of the four segment is in balance. Furthermore this paper notes the lack of social mobility for the poor when there is no external intervention.

Suggested Citation

  • Thiombiano, Lardia Marcel, 2013. "Essai sur le système financier: une analyse du marché du crédit en Afrique Subsaharienne [Essay on the financial system: an analysis of credit market in Sub-Saharan Africa]," MPRA Paper 49011, University Library of Munich, Germany.
    • Handle: RePEc:pra:mprapa:49011
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    File URL: https://mpra.ub.uni-muenchen.de/49011/1/MPRA_paper_49011.pdf
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    References listed on IDEAS

    as
    1. Adama Zerbo, 2006. "Marché du crédit et travail décent au Burkina Faso," Documents de travail 133, Groupe d'Economie du Développement de l'Université Montesquieu Bordeaux IV.
    Full references (including those not matched with items on IDEAS)

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    1. Adama Zerbo, 2010. "Politiques actives du marché du travail en Afrique : un cadre d'analyse théorique," Documents de travail 154, Groupe d'Economie du Développement de l'Université Montesquieu Bordeaux IV.

    More about this item

    Keywords

    credit market; poverty; social mobility; welfare;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • I31 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General Welfare, Well-Being
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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