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La micro-finance est-elle une solution efficace aux causes du rationnement bancaire ? Une analyse économétrique à travers les modèles probit et binomial négatif : Le cas du Togo

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  • Yawo Agbényégan Noglo

    (Mosaïques - LAVUE - Laboratoire Architecture, Ville, Urbanisme, Environnement - UP8 - Université Paris 8 Vincennes-Saint-Denis - ENSAPLV - École nationale supérieure d'architecture de Paris-La Villette - HESAM - HESAM Université - Communauté d'universités et d'établissements Hautes écoles Sorbonne Arts et métiers université - UPN - Université Paris Nanterre - ENSA PVDS - École nationale supérieure d'architecture de Paris Val-de-Seine - CNRS - Centre National de la Recherche Scientifique - MC - Ministère de la Culture)

Abstract

This paper aims to study the econometric determinants of repayment performance of credit groups receiving loans from two micro-finance institutions (WAGES and FUCEC) in Togo. The probit and the negative binomial results from our primary data collected in 2008 in rural and semi-urban areas of the Maritime region (excluding Lome) have shown evidence that monitoring (peers visits, same business) social capital (same sex, same ethnic group), informal sources of credit (itinerant bankers, moneylenders and ROSCAs) and the age of groups have contributed to the good repayment performance that stood at 75%

Suggested Citation

  • Yawo Agbényégan Noglo, 2013. "La micro-finance est-elle une solution efficace aux causes du rationnement bancaire ? Une analyse économétrique à travers les modèles probit et binomial négatif : Le cas du Togo," Working Papers halshs-01016185, HAL.
    • Handle: RePEc:hal:wpaper:halshs-01016185
    Note: View the original document on HAL open archive server: https://shs.hal.science/halshs-01016185
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