Les organisations de microfinance haïtiennes sont-elles résilientes face aux crises que traverse le pays : une étude exploratoire
Microfinance organizations (MFOs) around the world provide financial and non-financial products and services to more than 140 million low-income clients, 80% of whom are women and 65% live in rural areas. In Haiti, they served more than 286,216 people with very low incomes in 2018 according to the l...
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| Main Authors: | , |
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| Format: | Article |
| Language: | English |
| Published: |
Université des Antilles
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| Series: | Études Caribéennes |
| Subjects: | |
| Online Access: | https://journals.openedition.org/etudescaribeennes/24683 |
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| Summary: | Microfinance organizations (MFOs) around the world provide financial and non-financial products and services to more than 140 million low-income clients, 80% of whom are women and 65% live in rural areas. In Haiti, they served more than 286,216 people with very low incomes in 2018 according to the latest available data. Immersed in a situation of crises alternating blockage of the country (Peyi lòk) and general confinement in response to the COVID-19 pandemic (COVID-Lockdown), Haitian MFOs have had to face major shocks in recent years. These shocks affected both the activities of the MFOs and those of their clients. Studying the resilience of MFOs can help understand the possibilities of economic recovery in a context where they are the main sources of financing for microenterprises. Resilience is defined as the ability of an MFO to maintain or quickly regain the level of activities with a shock. Therefore, the question studied in this article is the following: Have the Haitian MFOs been resilient in the face of the recent shocks that the country is going through? The analysis is carried out using empirical data drawn from a survey of 30 MFOs spread over the 10 geographical departments of the country. The results show that the totality of MFOs were resilient and recovered quickly and without great difficulty from the two main shocks (Peyi lòk and COVID-Lockdown) suffered between 2018 and 2021. In accordance with the literature, the estimation of an econometric model shows that the quality of the credit portfolio is the main factor associated with the level of resilience of MFOs. |
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| ISSN: | 1779-0980 1961-859X |