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Gestion des risques et performance des institutions de microfinance

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  • Hubert Tchakoute Tchuigoua
  • Mehdi Nekhili

Abstract

The objective of this paper is to analyze the relationship between risk management and performance of microfinance institutions (MFIs). The devices tested are the choices of credit contracts and prudential regulation. Performance is understood in three dimensions. It refers to profitability, operational performance and portfolio quality. Based on a sample of 148 microfinance institutions in the period 2001-2006, our study shows that specialization on a type of contract improves the quality of the portfolio. Specifically, the group-lending contracts improve quality of portfolio and negatively influence the economic and operational performance, indicating that the choice of credit agreements group led microfinance institutions to a trade-off between profitability and portfolio quality. Finally, the regulation does not influence the three dimensions of performance.

Suggested Citation

  • Hubert Tchakoute Tchuigoua & Mehdi Nekhili, 2012. "Gestion des risques et performance des institutions de microfinance," Revue d'économie industrielle, De Boeck Université, vol. 0(2), pages 127-148.
    • Handle: RePEc:cai:reidbu:rei_138_0127
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    Cited by:

    1. Tchapo Gbandi & Mawuli K. Couchoro & Mawulolo J. Agossou, 2021. "From the top to the bottom: The global environment and microfinance institution (MFI) performance in the West African Economic and Monetary Union countries," Journal of International Development, John Wiley & Sons, Ltd., vol. 33(7), pages 1087-1111, October.
    2. DJOUFOUET, Wulli Faustin, 2018. "Statuts juridiques, gouvernance et performance des institutions de microfinance au Cameroun [Legal status, governance and performance of microfinance institutions in Cameroon]," MPRA Paper 93424, University Library of Munich, Germany, revised 16 Feb 2019.
    3. Akouvi Gadedjisso-Tossou & Curwitch P’ham Bodjona & Maman Tachiwou Aboudou & Jean-Pierre Gueyie, 2021. "The Influence of CSR Practices on the Financial Performance of Microfinance Institutions in Togo," International Journal of Economics and Finance, Canadian Center of Science and Education, vol. 13(2), pages 1-52, February.
    4. André Tioumagneng, 2019. "Actes de la Journée de Recherche sur "les stratégies et la gouvernance des entreprises bancaires en Afrique"," Post-Print hal-02197473, HAL.
    5. Faustin Wulli DJOUFOUET & Joseph NZONGANG, 2020. "Effets combinés des mécanismes de gouvernance sur la performance des institutions de microfinance au Cameroun," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 11(1), pages 22-32, June.
    6. Faustin Wulli DJOUFOUET & Joseph NZONGANG, 2020. "Effets combinés des mécanismes de gouvernance sur la performance des institutions de microfinance au Cameroun," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 11(1), pages 22-32, June.
    7. Daniele TUEDEM WAFFO & Jules Roger FEUDJO & dagobert NGONGANG, 2016. "Mécanismes de gestion du risque de crédit ex ante et performance globale des EMF camerounais," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 7(2), pages 53-69, November.

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