Volume 28, Issue 3, February 2020, Pages 640–651
Joseph AKILIMALI NTERERWA1, Jean-Jacques MULUMEODERHWA SHALUKOMA2, Bonheur MURHULA LUSHEKE3, and Patient BAHATI MUHAYANGABO4
1 Département de Gestion Financière, Faculté des sciences économiques et de gestion, Université de Bukavu Centre, BP : 121, Bukavu, RD Congo
2 Département des Sciences Commerciales et Administratives, Section des Sciences Commerciales, Administratives et Informatique de Gestion, Institut Supérieur Pédagogique de Bukavu (ISP/BUKAVU), BP : 854 Bukavu, RD Congo
3 Département des Sciences Commerciales et Administratives, Section des Sciences Commerciales, Administratives et Informatique de gestion, Institut Supérieur Pédagogique d’Idjwi (ISP/IDJWI), Idjwi, Sud-Kivu, RD Congo
4 Département de Gestion Financière, Faculté des Sciences Economiques et de Gestion, Université de Bukavu Centre, BP : 121, Bukavu, RD Congo
Original language: French
Copyright © 2020 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
This study aims at identifying explaining factors of rejection or acceptance of customers individual credit demand of FINCA/Bukavu in South Kivu/The Democratic Republic of the Congo in order to give access to poor clients willing to get credit to prepare and compose their files and to grant different political and economic partners. The Knowledge to manage the financial sector since it is possible for them to be aware about the way these is collected by the microfinance institutions regarding their characteristics. Relating to the sample of 99 customers files and referring to the maximum method of probability, it seems that the rationing of customers individual credit of FINCA/Bukavu is positively influenced by the credit amount requested and negatively influenced by the revenue of signification threshold of 10%.
Author Keywords: credit rationing, microfinance institutions.
Joseph AKILIMALI NTERERWA1, Jean-Jacques MULUMEODERHWA SHALUKOMA2, Bonheur MURHULA LUSHEKE3, and Patient BAHATI MUHAYANGABO4
1 Département de Gestion Financière, Faculté des sciences économiques et de gestion, Université de Bukavu Centre, BP : 121, Bukavu, RD Congo
2 Département des Sciences Commerciales et Administratives, Section des Sciences Commerciales, Administratives et Informatique de Gestion, Institut Supérieur Pédagogique de Bukavu (ISP/BUKAVU), BP : 854 Bukavu, RD Congo
3 Département des Sciences Commerciales et Administratives, Section des Sciences Commerciales, Administratives et Informatique de gestion, Institut Supérieur Pédagogique d’Idjwi (ISP/IDJWI), Idjwi, Sud-Kivu, RD Congo
4 Département de Gestion Financière, Faculté des Sciences Economiques et de Gestion, Université de Bukavu Centre, BP : 121, Bukavu, RD Congo
Original language: French
Copyright © 2020 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Abstract
This study aims at identifying explaining factors of rejection or acceptance of customers individual credit demand of FINCA/Bukavu in South Kivu/The Democratic Republic of the Congo in order to give access to poor clients willing to get credit to prepare and compose their files and to grant different political and economic partners. The Knowledge to manage the financial sector since it is possible for them to be aware about the way these is collected by the microfinance institutions regarding their characteristics. Relating to the sample of 99 customers files and referring to the maximum method of probability, it seems that the rationing of customers individual credit of FINCA/Bukavu is positively influenced by the credit amount requested and negatively influenced by the revenue of signification threshold of 10%.
Author Keywords: credit rationing, microfinance institutions.
Abstract: (french)
Cette étude a comme objectif d’identifier les facteurs explicatifs du rejet ou d’acceptation de demande de crédit individuel des clients de FINCA/Bukavu au Sud-Kivu en République Démocratique du Congo afin de permettre aux clients pauvres soucieux du crédit de bien préparer et composer leurs dossiers de la demande de crédit et doter les divers intervenants tant politiques qu’économiques des connaissances pour bien réguler le secteur financier dès lors qu’il est possible qu’ils s’imprègnent de la manière dont le crédit est perçu par les IMF compte tenu de leurs caractéristiques. Sur base d’un échantillon de 99 dossiers de clients et faisant recours à la méthode de maximum de vraisemblance, il s’est avéré que le rationnement de crédit individuel des clients de FINCA/Bukavu est influencé positivement par le montant de crédit sollicité et négativement par le revenu au seuil de signification de 10%.
Author Keywords: rationnement de crédit, IMF.
How to Cite this Article
Joseph AKILIMALI NTERERWA, Jean-Jacques MULUMEODERHWA SHALUKOMA, Bonheur MURHULA LUSHEKE, and Patient BAHATI MUHAYANGABO, “Le rationnement de crédit individuel des clients des Institutions de Micro finance de la République Démocratique du Congo: Cas de FINCA/Bukavu,” International Journal of Innovation and Applied Studies, vol. 28, no. 3, pp. 640–651, February 2020.
