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Déterminants des ménages et accès au crédit dans les tontines au Cameroun
[Determinants of households and access to credit in Cameroon]

Author

Listed:
  • Atangana Ondoa, Henri
  • Tomo, Christian Parfait

Abstract

The objective of this paper is to identify the determinants of household access to credit from tontines in Cameroon. We use a univariate probit model on a sample of households from the fourth Cameroonian household survey (ECAM IV) collected by the National Institute of Statistics in 2014. Thus, the results show that heads of households who seek credit from Tontines are slightly older women in reference to men. These women have a large household size. However, the fact that the latter apply for consumer credit in reference to credit intended for production or even investment reduces the chances of obtaining credit within the tontines.

Suggested Citation

  • Atangana Ondoa, Henri & Tomo, Christian Parfait, 2022. "Déterminants des ménages et accès au crédit dans les tontines au Cameroun [Determinants of households and access to credit in Cameroon]," MPRA Paper 113629, University Library of Munich, Germany, revised Jun 2022.
    • Handle: RePEc:pra:mprapa:113629
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    File URL: https://mpra.ub.uni-muenchen.de/113639/1/MPRA_paper_113629.pdf
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    References listed on IDEAS

    as
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    2. Philippe Hugon, 1996. "Incertitude, précarité et financement local : le cas des économies africaines," Revue Tiers Monde, Programme National Persée, vol. 37(145), pages 13-40.
    3. Jean-Pierre Florens & Vêlayoudom Marimoutou & Anne Peguin-Feissolle, 2007. "Econometric Modeling and Inference," Post-Print halshs-00390164, HAL.
    4. Florens,Jean-Pierre & Marimoutou,Velayoudom & Peguin-Feissolle,Anne, 2007. "Econometric Modeling and Inference," Cambridge Books, Cambridge University Press, number 9780521700061, September.
    5. Nicolas Eber, 2000. "Sélection de clientèle et exclusion bancaire," Revue d'Économie Financière, Programme National Persée, vol. 58(3), pages 79-96.
    6. Thierry Pairault, 1990. "Approches tontinières (première partie) : de la France à la Chine en passant par la Cochinchine et autres lieux," Post-Print halshs-00076577, HAL.
    7. Owoundi, Fouda, 1992. "Accès au crédit bancaire, développement du système informel et mobilisation de l’épargne en Afrique," L'Actualité Economique, Société Canadienne de Science Economique, vol. 68(4), pages 665-696, décembre.
    8. Florens,Jean-Pierre & Marimoutou,Velayoudom & Peguin-Feissolle,Anne, 2007. "Econometric Modeling and Inference," Cambridge Books, Cambridge University Press, number 9780521876407, April.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Households; Tontines; Access to the credit; Univariate probit; Cameroon.;
    All these keywords.

    JEL classification:

    • D1 - Microeconomics - - Household Behavior
    • D81 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Criteria for Decision-Making under Risk and Uncertainty
    • E2 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements

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