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Les Institutions de Microcrédit et la Lutte Contre la Pauvreté : L’initiative d’Enda Interarabe en Tunisie

Trabelsi, Mohamed Ali and Chichti, Jameleddine (2011): Les Institutions de Microcrédit et la Lutte Contre la Pauvreté : L’initiative d’Enda Interarabe en Tunisie. Published in: La Revue des Sciences de Gestion , Vol. 250, No. 249 (2011): pp. 147-155.

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Abstract

The aim of this paper is to show, jointly by means of theoretical and empirical studies and through the pan-arab Enda case installed in Tunisia, that the adoption of a policy of credit rationing makes it possible to cure the problems of information asymmetry and to ensure the performance of refunding. This may, consequently, lead to the exclusion of a part of the microcredit market’s poor borrowers. Against this background, we will develop a suitable econometric model like the credit scoring (Schreiner Mark, 2000) which can predict the behavior of a customer, requiring a microcredit, in order to distinguish between good and bad borrowers.

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