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Accès au Crédit Bancaire des Petites et Moyennes Entreprises au Sénégal

Diallo, Boubacar and Thiongane, Mamaye (2018): Accès au Crédit Bancaire des Petites et Moyennes Entreprises au Sénégal.

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Abstract

The purpose of our work is to identify and understand the explanatory factors of a possible satisfaction of the demand for SME bank credit. To carry out this work, we used a multinomial logit model with as endogenous variable the different types of companies having accessed the credit "TPE, PE, ME, GE" and as base 0 that is to say companies belonging to these categories of companies and did not obtain bank financing. The estimate is based on LAREM survey data from 673 companies located in the region of Dakar, Thiés and SaintLouis. Estimates reveal that the cost of financing the loan is a constraint for Senegalese SMEs when they want to use bank credit to finance their activities while the level of study of the manager and the profitability of the activities through the net profits released impact positively the probability of accessing bank credit.

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