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Microfinance et dynamiques économiques : quels effets après dix ans d'innovations financières ?

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  • François Doligez

Abstract

[eng] François Doligez — Micro-finance and economic dynamics : What effects after ten years of financial innovations ? . This article examines some questions related to the impact of micro-finance on the « real sphere » : who has access to credit ? Does it improve revenues and investments and therefore the local economy or, on the contrary, does it induce negative effects on the consumption and the living levels of the borrowers ? The article is based on fieldwork concerning three rural micro-credit networks in Benin, in Guinea and in Nicaragua. The comparative analysis of more than 3 000 surveys brings to light the ambivalent development of access to credits and illustrates, beyond standardised methods that are frequently used, the importance of socioeconomic effects.

Suggested Citation

  • François Doligez, 2002. "Microfinance et dynamiques économiques : quels effets après dix ans d'innovations financières ?," Revue Tiers Monde, Programme National Persée, vol. 43(172), pages 783-808.
  • Handle: RePEc:prs:rtiers:tiers_1293-8882_2002_num_43_172_1652
    DOI: 10.3406/tiers.2002.1652
    Note: DOI:10.3406/tiers.2002.1652
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    References listed on IDEAS

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    1. François Doligez, 1996. "Études comparées de l'impact économique des systèmes de crédit rural," Revue Tiers Monde, Programme National Persée, vol. 37(145), pages 187-202.
    2. Jonathan Morduch, 1999. "The Microfinance Promise," Journal of Economic Literature, American Economic Association, vol. 37(4), pages 1569-1614, December.
    3. Mosley, Paul & Hulme, David, 1998. "Microenterprise finance: Is there a conflict between growth and poverty alleviation?," World Development, Elsevier, vol. 26(5), pages 783-790, May.
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