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Contrat de crédit, décentralisation décisionnelle et performance des institutions de microfinance

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  • Hubert Tchakoute Tchuigoua

Abstract

L’objectif de cet article est de vérifier empiriquement la relation entre les types de contrat de crédit, l’architecture organisationnelle et la performance des institutions de microfinance. L’économétrie des données de panel permet d’étudier un échantillon de 114 institutions de microfinance sur la période 2001-2006. Les résultats montrent que l’architecture organisationnelle n’a pas d’influence significative sur les trois dimensions de la performance. Les contrats mixtes ont un effet négatif et significatif sur la rentabilité économique, mais permettent aux institutions de microfinance d’atteindre un nombre important d’emprunteurs. Enfin, les contrats de crédit de groupe jouent un rôle très important dans leur qualité de portefeuille.This article aims to produce evidence on the relationship between lending contracts, organizational architecture and the performance of microfinance institutions. We analyze panel data for a sample of 114 MFIs during the period stretching from 2001 to 2006. The results show that organizational architecture has no significant influence on the three dimensions of performance. Mixed contracts have a negative and significant effect on the rate of economic returns, but allow the concerned organizations to reach large numbers of borrowers. Finally, joint liability contracts tend to improve the portfolio quality of microfinance institutions.

Suggested Citation

  • Hubert Tchakoute Tchuigoua, 2011. "Contrat de crédit, décentralisation décisionnelle et performance des institutions de microfinance," ULB Institutional Repository 2013/413458, ULB -- Universite Libre de Bruxelles.
    • Handle: RePEc:ulb:ulbeco:2013/413458
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