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microfinance en zones rurales : quel bilan en Afrique Centrale ?

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  • Wulli Faustin DJOUFOUET

Abstract

L’objectif de cet article est de faire le bilan de la microfinance en analysant son impact sur les conditions de vie socioéconomiques des populations villageoises en Afrique centrale où les microprojets manquent toujours de micro-financements. Pour atteindre cet objectif, une régression multiple a été appliquée sur les données collectées dans Global Findex. Les analyses montrent que les effets de la microfinance dans les zones rurales en Afrique centrale sont négligeables. On constate que l’ouverture d’un compte bancaire améliore les conditions de vie des villageois tandis que le microcrédit détériore significativement l’Indice de Développement Humain de ces populations. Les bénéficiaires des services de la microfinance éprouvent toujours des difficultés à financer d’eux même leurs soins de santé, à régler leurs factures des besoins de subsistance et à constituer une épargne. Cette étude a la particularité d’avoir analysé l’impact de la microfinance sur les conditions de vie des populations villageoises en Afrique centrale.

Suggested Citation

  • Wulli Faustin DJOUFOUET, 2019. "microfinance en zones rurales : quel bilan en Afrique Centrale ?," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 10(2), pages 39-48, December.
    • Handle: RePEc:jaf:journl:v:10:y:2019:i:2:n:258
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    References listed on IDEAS

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    1. Imran Matin & David Hulme & Stuart Rutherford, 2002. "Finance for the poor: from microcredit to microfinancial services," Journal of International Development, John Wiley & Sons, Ltd., vol. 14(2), pages 273-294.
    2. Milford Bateman & Ha-Joon Chang, 2012. "Microfinance and the Illusion of Development: From Hubris to Nemesis in Thirty Years," World Economic Review, World Economics Association, vol. 2012(1), pages 1-13, September.
    3. Shahidur R. Khandker, 2005. "Microfinance and Poverty: Evidence Using Panel Data from Bangladesh," The World Bank Economic Review, World Bank, vol. 19(2), pages 263-286.
    4. repec:wea:worler:v:2012:y:2012:i:1:p:2 is not listed on IDEAS
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    1. Djoufouet WULLI FAUSTIN, 2022. "Offre des services de microfinance en Afrique subsaharienne," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 13(1), pages 31-42, June.

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    More about this item

    Keywords

    zones rurales ; bilan ; microfinance ; inclusion financière; rural areas; record; microfinance; financial inclusion;
    All these keywords.

    JEL classification:

    • M1 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration
    • N8 - Economic History - - Micro-Business History
    • G3 - Financial Economics - - Corporate Finance and Governance

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