IDEAS home Printed from https://ideas.repec.org/p/pra/mprapa/33015.html
   My bibliography  Save this paper

Articulations entre banques commerciales et institutions de microfinance en Afrique subsaharienne: cas du Cameroun
[Articulations between commercial banks and microfinance institutions in Sub-Saharan Africa: the case of Cameroon]

Author

Listed:
  • Moulin, Bertrand
  • Teuwa N., Hugues M.

Abstract

In this article, we evaluate, from the point of view of banks, the potential of articulations between commercial banks and microfinance institutions (MFIs) in Cameroun in terms of financing of the rural and the micro, small and medium enterprises (MSMEs). Furthermore, we seek to define the best form of partnership between the two types of institutions. The results obtained suggest that the articulations between banks and MFIs can potentially be beneficial to all stakeholders (banks, MFIs but also recipients). This study also highlights the fact that these articulations can be even more beneficial if national commercial banks, under the Cameroonian law in our case, participate rather than branches of foreign banking groups. Indeed, our research reveals that through these partnerships, from their cultural proximity and their propensity to take more risks, national commercial banks will more likely offer either directly or indirectly (through MFIs) more adapted financial products and services to both the rural and the MSMEs’ segments. The question of knowing if a better form of partnership between commercial banks and MFIs exists, results suggest that there is no better form of partnership as such; that the best form depends on the MFI’s development stage and that in any case this partnership should privilege a national commercial bank rather than a branch of a foreign bank. Even if the foreign banks’ contest might be necessary at a given stage of the process, the results make it also possible to consider a new model of interactions implying Microfinance investment vehicles and national commercial banks. This model would have the advantage to help mitigate risks that those vehicles perceive when deciding to directly invest in MFIs.

Suggested Citation

  • Moulin, Bertrand & Teuwa N., Hugues M., 2011. "Articulations entre banques commerciales et institutions de microfinance en Afrique subsaharienne: cas du Cameroun [Articulations between commercial banks and microfinance institutions in Sub-Sahar," MPRA Paper 33015, University Library of Munich, Germany.
  • Handle: RePEc:pra:mprapa:33015
    as

    Download full text from publisher

    File URL: https://mpra.ub.uni-muenchen.de/33015/1/MPRA_paper_33015.pdf
    File Function: original version
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. repec:idb:brikps:78872 is not listed on IDEAS
    2. Marc Labie, 2004. "Microfinance : un état des lieux," Mondes en développement, De Boeck Université, vol. 126(2), pages 9-23.
    3. Ludovic Urgeghe, 2009. "Commercialisation et financement de la microfinance : quels enjeux de gouvernance ?," Reflets et perspectives de la vie économique, De Boeck Université, vol. 0(3), pages 39-50.
    4. André Nsabimana, 2009. "Articulation Banques-Microfinance en Afrique : impact sur la gouvernance et la performance des IMF," Reflets et perspectives de la vie économique, De Boeck Université, vol. 0(3), pages 29-38.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Sanae Solhi & Sidi Mohamed Rigar, 2014. "Pérennité Et Efficience Des Institutions De Microfinance Dans La Région MENA," Working Papers 829, Economic Research Forum, revised May 2014.
    2. Michel LELART, 2007. "Les mutations dans la microfinance. L'expérience du Bénin," LEO Working Papers / DR LEO 1130, Orleans Economics Laboratory / Laboratoire d'Economie d'Orleans (LEO), University of Orleans.
    3. Guillaume PASTUREAU, 2013. "Du Mont-de-Piété à la Grameen Bank : la finance sociale à travers le temps et l’espace \r\nEssai sur une cohérence institutionnelle et une diversité des pratiques," Cahiers du GREThA (2007-2019) 2013-16, Groupe de Recherche en Economie Théorique et Appliquée (GREThA).
    4. Michel LELART, 2008. "Microfinance : deux nouveaux essais. Proximité et risque dans la microfinance. La microfinance au secours du secteur informel," LEO Working Papers / DR LEO 1215, Orleans Economics Laboratory / Laboratoire d'Economie d'Orleans (LEO), University of Orleans.
    5. SECK, Massamba Souleymane, 2019. "Complémentarité Banque islamique du Sénégal/institutions de microfinance : un modèle de financement inclusif et durable des PME sénégalaises [Complementarity Islamic Bank of Senegal/microfinance in," MPRA Paper 92190, University Library of Munich, Germany.
    6. Magloire TCHATCHOUA NYA & Alexandre AIACOBOAIEI, 2022. "Commercialisation des institutions de microfinance entraine-t-elle toujours une dérive de mission ?," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 13(1), pages 123-139, June.
    7. Koen Rossel-Cambier, 2011. "Is Combined Microfinance an Instrument to enhance Sustainable Pro-Poor Public Policy Outcomes?," Working Papers CEB 11-013, ULB -- Universite Libre de Bruxelles.
    8. Koen Rossel-Cambier, 2008. "Combined Micro-Finance: Selected Research Questions from a Stakeholder Point of View," Working Papers CEB 08-004.RS, ULB -- Universite Libre de Bruxelles.
    9. Moulin, Bertrand, 2011. "Microfinance investment vehicles in Sub-Saharan Africa: constraints and potentials," MPRA Paper 32967, University Library of Munich, Germany.
    10. Koloma, Yaya, 2019. "Microfinance et réduction de la pauvreté selon le genre au Mali : un réexamen des données de 2007-2008 [Microfinance and Poverty Reduction by Gender in Mali: A Review of 2007-2008 data]," MPRA Paper 94745, University Library of Munich, Germany.

    More about this item

    Keywords

    Banks; Microfinance institutions; Microfinance investment vehicles; Sub-Saharan Africa; Cameroon;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services

    NEP fields

    This paper has been announced in the following NEP Reports:

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:pra:mprapa:33015. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Joachim Winter (email available below). General contact details of provider: https://edirc.repec.org/data/vfmunde.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.