Laboratoire d'étude et de recherche en mathématiques appliquées, Université Mohammed V Agdal/Ecole Mohammadia d'Ingénieurs, Avenue Ibn Sina BP 765 Agdal, Rabat, Morocco
The joint liability presents a guarantee in group lending to Microfinance Institution. However this mechanism of lending is often accompanied by a strategic defect which generates failing micro-borrowers. The purpose of this study is to analyze in an econometric way this failure by using techniques of data analysis to study the validity and the efficiency of the group lending. To this end we shall use data from a foundation specialized in Microfinance, particularly in microcredit, it is a question in this study of the ARDI Foundation (Rabat
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