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Taux d'intérêt effectif, viabilité financière et réduction de la pauvreté par les institutions de microfinance au Bénin

Author

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  • Denis H. Acclassato

    (LEO - Laboratoire d'économie d'Orleans [2008-2011] - UO - Université d'Orléans - CNRS - Centre National de la Recherche Scientifique)

Abstract

Microfinance institutions (MFI) became very important in developing countries. They carried out a miracle by allowing several thousands outcasts of the classic banking system to reach financial services. But a controversy arose from their actions, that is the high costs associated to these services. This study estimated, from a data base financed by "Consortium Alafia" Association of the practitioners of the microfinance in Benin, the level of viable interest rate for the microfinance in terms of financial service supply. Results show that the micro-projects which rate of internal profitability does not exceed 36 % could not be financed by microfinance institutions. The usury law should be suicidal for MFI if it restricted simply the MFI to conform to the law which fixes the threshold of usury at 27%. Almost, no IMF would reach operational autosufficiency and then, sustainability by respecting this threshold.

Suggested Citation

  • Denis H. Acclassato, 2006. "Taux d'intérêt effectif, viabilité financière et réduction de la pauvreté par les institutions de microfinance au Bénin," Working Papers halshs-00079019, HAL.
    • Handle: RePEc:hal:wpaper:halshs-00079019
    Note: View the original document on HAL open archive server: https://shs.hal.science/halshs-00079019
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