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Taux D'Interet Effectif, Viabilite Financiere Et Financement Des Petits Operateurs Economiques Par Les Institutions De Microfinance Au Benin

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  • Denis H. ACCLASSATO

Abstract

RÉSUMÉ**: Les institutions de microfinance (IMF) ont accompli le miracle de faciliter l'accès aux services financiers à des milliers d'exclus du système bancaire classique dans les pays en développement. Mais une polémique naît quant aux coûts élevés associés auxdits services. Cette étude a évalué le niveau de taux d'intérêt viable pour la microfinance en termes d'offre de services financiers. Les résultats montrent que les micro‐projets dont le taux de rentabilité interne ne dépasse pas 42% ne pourraient être financés par les institutions de microfinance. Quasiment aucune IMF n'assurerait son autosuffisance opérationnelle, donc sa pérennité en respectant le seuil légal fixéà 27%.

Suggested Citation

  • Denis H. ACCLASSATO, 2008. "Taux D'Interet Effectif, Viabilite Financiere Et Financement Des Petits Operateurs Economiques Par Les Institutions De Microfinance Au Benin," Annals of Public and Cooperative Economics, Wiley Blackwell, vol. 79(1), pages 161-195, March.
    • Handle: RePEc:bla:annpce:v:79:y:2008:i:1:p:161-195
    DOI: 10.1111/j.1467-8292.2007.00355.x
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    References listed on IDEAS

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