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Offre des services de microfinance en Afrique subsaharienne

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  • Djoufouet WULLI FAUSTIN

Abstract

Objectif : cet article a pour objectif d’analyser l’impact des services de la microfinance sur l’amélioration des conditions de vie des bénéficiaires en Afrique subsaharienne.Méthodologie : Pour atteindre cet objectif, une régression multiple sur des données collectées sur la base de données de Global Findex sur une période de 2011 à 2017 a été appliquée.Résultats : À l’issue des analyses, on constate que la microfinance a certes inclut financièrement les personnes excluent du système financier traditionnel mais n’a vraiment pas amélioré leurs conditions de vie. Les institutions de la microfinance en Afrique Subsaharienne mettent plus l’accent sur leur rentabilité au détriment de l’amélioration des conditions de vie de leurs clients. Par ailleurs, les bénéficiaires de la microfinance peinent toujours à vivre des revenus de leurs microprojets.Originalité / pertinence : cette étude a permis de montrer que la microfinance s’éloigne de plus en plus de ses objectifs originels, les institutions de microfinance sont devenues une sorte de banque qui « banquent » les pauvres.

Suggested Citation

  • Djoufouet WULLI FAUSTIN, 2022. "Offre des services de microfinance en Afrique subsaharienne," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 13(1), pages 31-42, June.
    • Handle: RePEc:jaf:journl:v:13:y:2022:i:1:n:410
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    References listed on IDEAS

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    1. repec:wea:worler:v:2012:y:2012:i:1:p:2 is not listed on IDEAS
    2. Milford Bateman & Ha-Joon Chang, 2012. "Microfinance and the Illusion of Development: From Hubris to Nemesis in Thirty Years," World Economic Review, World Economics Association, vol. 2012(1), pages 1-13, September.
    3. Shahidur R. Khandker, 2005. "Microfinance and Poverty: Evidence Using Panel Data from Bangladesh," The World Bank Economic Review, World Bank, vol. 19(2), pages 263-286.
    4. Wulli Faustin DJOUFOUET, 2019. "La microfinance en zones rurales : quel bilan en Afrique Centrale ?," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 10(2), pages 39-48, December.
    5. Amendola,Alessandra & Boccia,Marinella & Mele,Gianluca & Sensini,Luca, 2016. "Financial access and household welfare : evidence from Mauritania," Policy Research Working Paper Series 7533, The World Bank.
    6. Wulli Faustin DJOUFOUET, 2019. "microfinance en zones rurales : quel bilan en Afrique Centrale ?," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 10(2), pages 39-48, December.
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    More about this item

    Keywords

    succès ; échec ; microfinance ; inclusion financière; success ; failure ; microfinance ; financial inclusion;
    All these keywords.

    JEL classification:

    • M1 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration
    • N8 - Economic History - - Micro-Business History
    • G3 - Financial Economics - - Corporate Finance and Governance

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