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Gestion des risques et performance des institutions de microfinance

Author

Listed:
  • Hubert Tchakouté Tchuigoua

    (Bordeaux Ecole de Management - Bordeaux Management School (BEM))

  • Mehdi Nekhili

    (Pôle Finance Responsable - Rouen Business School - Rouen Business School)

Abstract

L'objectif de cet article est d'analyser la relation entre la gestion des risques et la performance financière des institutions de microfinance. Les dispositifs analysés relèvent des choix des contrats de crédit et de la régulation prudentielle. La performance est appréhendée sous trois dimensions. Elle renvoie à la rentabilité économique, à la performance opérationnelle et à la qualité du portefeuille. Sur la base d'un échantillon de 148 institutions de microfinance durant la période 2001-2006, notre étude montre que la spécialisation sur un type de contrat améliore la qualité du portefeuille. Plus précisément, les contrats de crédit de groupe améliorent la qualité du portefeuille et influencent négativement la rentabilité économique et la performance opérationnelle, indiquant que le choix des contrats de crédit de groupe conduit les institutions de microfinance à arbitrer entre la rentabilité et la qualité du portefeuille. Enfin, la régulation n'influence en aucune mesure les trois dimensions de la performance susmentionnées.

Suggested Citation

  • Hubert Tchakouté Tchuigoua & Mehdi Nekhili, 2012. "Gestion des risques et performance des institutions de microfinance," Post-Print hal-00814123, HAL.
    • Handle: RePEc:hal:journl:hal-00814123
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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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