[ Effets de l’inclusion financière sur la rentabilité des banques en ZONE CEMAC ]
Volume 41, Issue 2, December 2023, Pages 670–679
Reounodji Madji Cyrille1, Nembot Ndeffo Luc2, and Lopiagoto Noudjihoudou Désiré3
1 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
2 Professeur titulaire-Université de Dschang, Laboratoire de Recherche en Economie Fondamentale et Appliquée (LAREFA), Cameroon
3 Doctorant, Faculté des Sciences Économiques et de Gestion, Université de Dschang, Cameroon
Original language: French
Copyright © 2023 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.
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.
Author Keywords: Financial inclusion, banking performance, profitability of banks, CEMAC.
Volume 41, Issue 2, December 2023, Pages 670–679
Reounodji Madji Cyrille1, Nembot Ndeffo Luc2, and Lopiagoto Noudjihoudou Désiré3
1 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
2 Professeur titulaire-Université de Dschang, Laboratoire de Recherche en Economie Fondamentale et Appliquée (LAREFA), Cameroon
3 Doctorant, Faculté des Sciences Économiques et de Gestion, Université de Dschang, Cameroon
Original language: French
Copyright © 2023 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
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.
Author Keywords: Financial inclusion, banking performance, profitability of banks, CEMAC.
Abstract: (french)
L’objectif de cet article est d’analyser les effets de la l’inclusion financière sur la rentabilité bancaire en zone CEMAC sur la période 2000-2020. De manière spécifique, il consiste à analyser premièrement les implications de l’inclusion financière rentabilité des actifs et des capitaux des banques en zone CEMAC. Deuxièmement, il est question de mettre en évidence les interactions entre l’inclusion financière Produit net bancaire en zone CEMAC. Afin d’atteindre ces objectifs subséquents, il a été utilisé les estimateurs des triples moindres carrés (3SLS). Les résultats obtenus montrent globalement que l’inclusion financière ne garantit pas la rentabilité des banques de la CEMAC. Les résultats obtenus permettent de recommander la promotion de l’éducation des populations au développement de la culture financière puis de renforcer le cadre réglementaire au travers de la formulation et la mise en application des politiques qui permettent de promouvoir le secteur privé, ceci peut contribuer à renforcer l’offre et la demande des services financiers.
Author Keywords: Inclusion financière, performance bancaire, rentabilité des banques, CEMAC.
How to Cite this Article
Reounodji Madji Cyrille, Nembot Ndeffo Luc, and Lopiagoto Noudjihoudou Désiré, “Effects of financial inclusion on the profitability of banks in the CEMAC ZONE,” International Journal of Innovation and Applied Studies, vol. 41, no. 2, pp. 670–679, December 2023.
