IDEAS home Printed from https://ideas.repec.org/a/bla/annpce/v85y2014i2p287-304.html
   My bibliography  Save this article

Credit Unions As Conduits For Microfinance Delivery In Cameroon

Author

Listed:
  • Nathanael OJONG

Abstract

type="main" xml:lang="de"> Alors que “l'inclusion financière” est actuellement le thème d'actualité, spécialement dans les études sur la finance du développement, la recherche sur le rôle des coopératives de crédit dans le débat sur l'inclusion financière dans le Sud est rare. Cette étude aide à combler ce vide en analysant le rôle des coopératives de crédit dans la fourniture de services financiers à la population exclue du secteur bancaire. L'auteur analyse les stratégies déployées par les coopératives de crédit pour toucher cette population. Il montre comment les coopératives de crédit ont été capables d'attirer de nouveaux membres et d'offrir une variété de services financiers par des liens avec l'épargne informelle et les clubs de crédit et en utilisant des services de versements domestiques pour déveloper les relations.

Suggested Citation

  • Nathanael OJONG, 2014. "Credit Unions As Conduits For Microfinance Delivery In Cameroon," Annals of Public and Cooperative Economics, Wiley Blackwell, vol. 85(2), pages 287-304, June.
    • Handle: RePEc:bla:annpce:v:85:y:2014:i:2:p:287-304
    as

    Download full text from publisher

    File URL: http://hdl.handle.net/10.1111/apce.12041
    Download Restriction: Access to full text is restricted to subscribers.
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    1. Marulanda, Beatriz & Trigo Loubière, Jacques & Cifuentes, Síncrito & Peck Christen, Robert & Westley, Glenn D. & Poyo, Jeffrey & Arbuckle, Lee & Heller, Carlos & Baker, Christopher & Vargas Durán, Ale, 2000. "Safe Money: Building Effective Credit Unions in Latin America," IDB Publications (Books), Inter-American Development Bank, number 433, November.
    2. John Goddard & John O. S. Wilson, 2005. "US Credit Unions: An Empirical Investigation of Size, Age and Growth," Annals of Public and Cooperative Economics, Wiley Blackwell, vol. 76(3), pages 375-406, September.
    3. Robin Burgess & Rohini Pande, 2005. "Do Rural Banks Matter? Evidence from the Indian Social Banking Experiment," American Economic Review, American Economic Association, vol. 95(3), pages 780-795, June.
    4. Andrew McArthur & Alan McGregor & Robert Stewart, 1993. "Credit Unions and Low-income Communities," Urban Studies, Urban Studies Journal Limited, vol. 30(2), pages 399-416, March.
    5. Leggett, Keith J. & Strand, Robert W., 2002. "Membership growth, multiple membership groups and agency control at credit unions," Review of Financial Economics, Elsevier, vol. 11(1), pages 37-46.
    6. Wolken, John D & Navratil, Frank J, 1980. "Economies of Scale in Credit Unions: Further Evidence," Journal of Finance, American Finance Association, vol. 35(3), pages 769-777, June.
    7. Beatriz Marulanda & Jacques Trigo Loubière & Síncrito Cifuentes & Robert Peck Christen & Glenn D. Westley & Jeffrey Poyo & Lee Arbuckle & Carlos Heller & Christopher Baker & Alejandro Vargas Durán & D, 2000. "Safe Money: Building Effective Credit Unions in Latin America," IDB Publications (Books), Inter-American Development Bank, number 79523 edited by Glenn D. Westley & Brian Branch, February.
    8. Karlan, Dean S. & Zinman, Jonathan, 2009. "Expanding Microenterprise Credit Access: Using Randomized Supply Decisions to Estimate the Impacts in Manila," Center Discussion Papers 52600, Yale University, Economic Growth Center.
    9. David Mushinski, 1999. "An analysis of offer functions of banks and credit unions in Guatemala," Journal of Development Studies, Taylor & Francis Journals, vol. 36(2), pages 88-112.
    10. Kane, Edward J. & Hendershott, Robert, 1996. "The federal deposit insurance fund that didn't put a bite on U.S. taxpayers," Journal of Banking & Finance, Elsevier, vol. 20(8), pages 1305-1327, September.
    11. Thaler, Richard H & Shefrin, H M, 1981. "An Economic Theory of Self-Control," Journal of Political Economy, University of Chicago Press, vol. 89(2), pages 392-406, April.
    12. Anderson, Siwan & Baland, Jean-Marie & Moene, Karl Ove, 2009. "Enforcement in informal saving groups," Journal of Development Economics, Elsevier, vol. 90(1), pages 14-23, September.
    13. Derek C. Jones & Panu Kalmi, 2009. "Trust, Inequality And The Size Of The Co‐Operative Sector: Cross‐Country Evidence," Annals of Public and Cooperative Economics, Wiley Blackwell, vol. 80(2), pages 165-195, June.
    14. Theodore P. Lianos & Micah N. Bump & Enrique V. Iglesias & Claremont D. Kirton & Andrés Solimano & Nicholas P. Glytsos & Graeme Hugo & Susan Pozo & Patricia Weiss Fagen & María Jaramillo & Steven R. W, 2005. "Beyond Small Change: Making Migrant Remittances Count," IDB Publications (Books), Inter-American Development Bank, number 79930 edited by Steven R. Wilson & Donald F. Terry, February.
    15. Jensen, Michael C. & Meckling, William H., 1976. "Theory of the firm: Managerial behavior, agency costs and ownership structure," Journal of Financial Economics, Elsevier, vol. 3(4), pages 305-360, October.
    16. Goddard, John & McKillop, Donal & Wilson, John O.S., 2008. "The diversification and financial performance of US credit unions," Journal of Banking & Finance, Elsevier, vol. 32(9), pages 1836-1849, September.
    17. Panu Kalmi, 2007. "The disappearance of cooperatives from economics textbooks," Cambridge Journal of Economics, Cambridge Political Economy Society, vol. 31(4), pages 625-647, July.
    18. Gugerty, Mary Kay, 2007. "You Can't Save Alone: Commitment in Rotating Savings and Credit Associations in Kenya," Economic Development and Cultural Change, University of Chicago Press, vol. 55(2), pages 251-282, January.
    19. Nava Ashraf & Dean Karlan & Wesley Yin, 2006. "Tying Odysseus to the Mast: Evidence From a Commitment Savings Product in the Philippines," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 121(2), pages 635-672.
    20. Kim, H Youn, 1986. "Economies of Scale and Economies of Scope in Multiproduct Financial Institutions: Further Evidence from Credit Unions: A Note," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 18(2), pages 220-226, May.
    21. Gharad Bryan & Dean Karlan & Scott Nelson, 2010. "Commitment Devices," Annual Review of Economics, Annual Reviews, vol. 2(1), pages 671-698, September.
    22. Mary Kay Gugerty, 2007. "You Can't Save Alone: Commitment in Rotating Savings and Credit Associations in Kenya," Economic Development and Cultural Change, University of Chicago Press, vol. 55, pages 251-282.
    23. Marc Labie & Anaïs A Périlleux, 2008. "Corporate governance in microfinance: credit unions," Working Papers CEB 08-003.RS, ULB -- Universite Libre de Bruxelles.
    24. Bruhn, Miriam & Love, Inessa, 2009. "The economic impact of banking the unbanked : evidence from Mexico," Policy Research Working Paper Series 4981, The World Bank.
    25. Goddard, John A. & McKillop, Donal G. & Wilson, John O. S., 2002. "The growth of US credit unions," Journal of Banking & Finance, Elsevier, vol. 26(12), pages 2327-2356.
    26. Ritha Sukadi Mata, 2009. "Microfinance Institutions (MFIs) on the Remittances Market: Money Transfer Activity and Savings Mobilisation," Working Papers CEB 09-022.RS, ULB -- Universite Libre de Bruxelles.
    27. Jones, Paul A., 2008. "From tackling poverty to achieving financial inclusion--The changing role of British credit unions in low income communities," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 37(6), pages 2141-2154, December.
    28. Lianos, Theodore P. & Bump, Micah N. & Iglesias, Enrique V. & Kirton, Claremont D. & Solimano, Andrés & Glytsos, Nicholas P. & Hugo, Graeme & Pozo, Susan & Weiss Fagen, Patricia & Jaramillo, María & W, 2005. "Beyond Small Change: Making Migrant Remittances Count," IDB Publications (Books), Inter-American Development Bank, number 440, November.
    29. David Laibson, 1997. "Golden Eggs and Hyperbolic Discounting," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 112(2), pages 443-478.
    30. Julius H. Kotir & Franklin Obeng-Odoom, 2009. "Microfinance and Rural Household Development," Journal of Developing Societies, , vol. 25(1), pages 85-105, January.
    31. McKillop, D. G. & Glass, J. C. & Ferguson, C., 2002. "Investigating the cost performance of UK credit unions using radial and non-radial efficiency measures," Journal of Banking & Finance, Elsevier, vol. 26(8), pages 1563-1591, August.
    32. Koot, Ronald S, 1978. "On Economies of Scale in Credit Unions," Journal of Finance, American Finance Association, vol. 33(4), pages 1087-1094, September.
    33. Demirguc-Kunt, Asli & Klapper, Leora, 2012. "Measuring financial inclusion : the Global Findex Database," Policy Research Working Paper Series 6025, The World Bank.
    34. Murray, John D & White, Robert W, 1983. "Economies of Scale and Economies of Scope in Multiproduct Financial Institutions: A Study of British Columbia Credit Unions," Journal of Finance, American Finance Association, vol. 38(3), pages 887-902, June.
    35. Alexander Sibbald & Lynn McAlevey, 2003. "Examination of economies of scale in credit unions: a New Zealand study," Applied Economics, Taylor & Francis Journals, vol. 35(11), pages 1255-1264.
    36. Paul A. Jones, 2006. "Giving Credit where it's Due: Promoting Financial Inclusion through Quality Credit Unions," Local Economy, London South Bank University, vol. 21(1), pages 36-48, February.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Antonio Lemus & Cristian Rojas, 2019. "Credit Unions in Chile: What is their Role?," EconomiX Working Papers 2019-27, University of Paris Nanterre, EconomiX.
    2. Saulo Cardoso Maia & Gideon Carvalho Benedicto & José Willer Prado & David Alastair Robb & Oscar Neto Almeida Bispo & Mozar José Brito, 2019. "Mapping the literature on credit unions: a bibliometric investigation grounded in Scopus and Web of Science," Scientometrics, Springer;Akadémiai Kiadó, vol. 120(3), pages 929-960, September.
    3. Linda Nakato, 2024. "Including Men in a Female Financial Model: An Analysis of Informal Grassroots Financial Associations," The European Journal of Development Research, Palgrave Macmillan;European Association of Development Research and Training Institutes (EADI), vol. 36(1), pages 25-52, February.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Dean Karlan & Aishwarya Lakshmi Ratan & Jonathan Zinman, 2014. "Savings by and for the Poor: A Research Review and Agenda," Review of Income and Wealth, International Association for Research in Income and Wealth, vol. 60(1), pages 36-78, March.
    2. Saulo Cardoso Maia & Gideon Carvalho Benedicto & José Willer Prado & David Alastair Robb & Oscar Neto Almeida Bispo & Mozar José Brito, 2019. "Mapping the literature on credit unions: a bibliometric investigation grounded in Scopus and Web of Science," Scientometrics, Springer;Akadémiai Kiadó, vol. 120(3), pages 929-960, September.
    3. Pascaline Dupas & Jonathan Robinson, 2013. "Savings Constraints and Microenterprise Development: Evidence from a Field Experiment in Kenya," American Economic Journal: Applied Economics, American Economic Association, vol. 5(1), pages 163-192, January.
    4. Incekara-Hafalir, Elif & Linardi, Sera, 2017. "Awareness of low self-control: Theory and evidence from a homeless shelter," Journal of Economic Psychology, Elsevier, vol. 61(C), pages 39-54.
    5. Masino, Serena & Niño-Zarazúa, Miguel, 2014. "Social service delivery and access to financial innovation. The impact of Oportunidades’ electronic payment system in Mexico," MPRA Paper 53430, University Library of Munich, Germany.
    6. Dupas, Pascaline & Robinson, Jonathan, 2008. "Savings Constraints and Microenterprise Development: Evidence from a Field Experiment in Kenya," Santa Cruz Department of Economics, Working Paper Series qt01x12117, Department of Economics, UC Santa Cruz.
    7. McKillop, Donal & French, Declan & Quinn, Barry & Sobiech, Anna L. & Wilson, John O.S., 2020. "Cooperative financial institutions: A review of the literature," International Review of Financial Analysis, Elsevier, vol. 71(C).
    8. Abhijit Banerjee & Sendhil Mullainathan, 2010. "The Shape of Temptation: Implications for the Economic Lives of the Poor," NBER Working Papers 15973, National Bureau of Economic Research, Inc.
    9. Kochar, Anjini, 2018. "Branchless banking: Evaluating the doorstep delivery of financial services in rural India," Journal of Development Economics, Elsevier, vol. 135(C), pages 160-175.
    10. B. Douglas Bernheim & Debraj Ray & Şevin Yeltekin, 2015. "Poverty and Self‐Control," Econometrica, Econometric Society, vol. 83(5), pages 1877-1911, September.
    11. Masino, Serena & Niño-Zarazúa, Miguel, 2014. "Social service delivery and access to financial innovation. The impact of Oportunidades’ electronic payment system in Mexico," MPRA Paper 53430, University Library of Munich, Germany.
    12. Emma Boswell Dean & Frank Schilbach & Heather Schofield, 2017. "Poverty and Cognitive Function," NBER Chapters, in: The Economics of Poverty Traps, pages 57-118, National Bureau of Economic Research, Inc.
    13. Javier Gómez‐Biscarri & Germán López‐Espinosa & Andrés Mesa‐Toro, 2022. "Drivers of depositor discipline in credit unions," Annals of Public and Cooperative Economics, Wiley Blackwell, vol. 93(4), pages 849-885, December.
    14. Karlan, Dean & Morduch, Jonathan, 2010. "Access to Finance," Handbook of Development Economics, in: Dani Rodrik & Mark Rosenzweig (ed.), Handbook of Development Economics, edition 1, volume 5, chapter 0, pages 4703-4784, Elsevier.
    15. Gerhard, Patrick & Gladstone, Joe J. & Hoffmann, Arvid O.I., 2018. "Psychological characteristics and household savings behavior: The importance of accounting for latent heterogeneity," Journal of Economic Behavior & Organization, Elsevier, vol. 148(C), pages 66-82.
    16. Hoong, Ruru, 2021. "Self control and smartphone use: An experimental study of soft commitment devices," European Economic Review, Elsevier, vol. 140(C).
    17. Basu, Karna, 2014. "Commitment savings in informal banking markets," Journal of Development Economics, Elsevier, vol. 107(C), pages 97-111.
    18. Prina, Silvia, 2015. "Banking the poor via savings accounts: Evidence from a field experiment," Journal of Development Economics, Elsevier, vol. 115(C), pages 16-31.
    19. Olivier Dagnelie & Philippe Lemay‐Boucher, 2012. "Rosca Participation in Benin: A Commitment Issue," Oxford Bulletin of Economics and Statistics, Department of Economics, University of Oxford, vol. 74(2), pages 235-252, April.
    20. R. Raymond Sant & Stephen B. Carter, 2015. "Acquired Credit Unions: Drivers of Takeover," International Journal of Business and Social Research, MIR Center for Socio-Economic Research, vol. 5(8), pages 18-33, August.

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bla:annpce:v:85:y:2014:i:2:p:287-304. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Wiley Content Delivery (email available below). General contact details of provider: http://www.blackwellpublishing.com/journal.asp?ref=1370-4788 .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.