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E3 Journal of Business Management and Economics

E3 Journal of Business Management and Economics Vol. 4 (2) pp. 031-046, February 2013; © E3 Journals; ISSN 2141-7482

The determinants of access to financial services for micro-credit associations: Application on Tunisian case

Sana Ben Abdessalem Kacem1 * , Sonia Ghorbel Zouari2
1 University of Sfax, Faculty of Economics and management of Sfax, Tunisia
2 Institute higher of Administration of business of Sfax, (ISAAS) of the University of Sfax‐ Tunisia
*Corresponding Author E-mail:
Accepted 1 February 2013


The objective of this study is to identify the socioeconomic factors which explain small farmers’ access to the services of the microcredit associations in Tunisia. The results of a binominal Logit model indicate that there is no discrimination against the poor while women do not proof to be the favorite customers for these associations. The absence of a guarantor is the main obstacle for access to the microcredit. The duration of the client relation to these associations is a determining factor in the access. But, this relation does not mean any improvement in the financing conditions particularly in terms of the guarantor.

Keywords: Microfinance, Rural financing, Small farmers, Access, Microcredit association

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