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The determinants of access to financial services for micro-credit associations: Application on Tunisian case

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  • Sana Ben Abdessalem Kacem

    (University of Sfax, Faculty of Economics and management of Sfax, Tunisia)

  • Sonia Ghorbel Zouari

    (Institute higher of Administration of business of Sfax, (ISAAS) of the University of Sfax- Tunisia)

Abstract

The objective of this study is to identify the socioeconomic factors which explain small farmers’ access to the services of the microcredit associations in Tunisia. The results of a binominal Logit model indicate that there is no discrimination against the poor while women do not proof to be the favorite customers for these associations. The absence of a guarantor is the main obstacle for access to the microcredit. The duration of the client relation to these associations is a determining factor in the access. But, this relation does not mean any improvement in the financing conditions particularly in terms of the guarantor.

Suggested Citation

  • Sana Ben Abdessalem Kacem & Sonia Ghorbel Zouari, 2013. "The determinants of access to financial services for micro-credit associations: Application on Tunisian case," E3 Journal of Business Management and Economics., E3 Journals, vol. 4(2), pages 031-046.
    • Handle: RePEc:etr:series:v:4:y:2013:i:2:p:031-046
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