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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: dsslmsn@yahoo.fr
Accepted 1 February 2013

Abstract

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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