Enseignant chercheur, Faculté des sciences économiques et de Gestion, Université de N’Djamena, Laboratoire d’Étude et de Recherche en Économie Appliquée et en Gestion (LAEREAG), Chad
The objective of this article is to analyze the effects of financial inclusion on bank profitability in the CEMAC zone over the period 2000-2020. Specifically, it consists of firstly analyzing the implications of financial inclusion, profitability of assets and capital of banks in the CEMAC zone. Secondly, it is a question of highlighting the interactions between financial inclusion Net banking product in the CEMAC zone. In order to achieve these subsequent objectives, triple least squares (3SLS) estimators were used. The results obtained globally show that financial inclusion does not guarantee the profitability of CEMAC banks. The results obtained make it possible to recommend the promotion of education of populations in the development of financial culture and then to strengthen the regulatory framework through the formulation and implementation of policies which make it possible to promote the private sector, this can contribute to strengthen the supply and demand of financial services.
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