Abstract
AbstractNowadays, the development of entrepreneurship affects both the urban and the rural population. It is a crucial element in securing the income and the overall economic development. However, significant factors, namely small business financing, hinder this development. This factor represents the major constraint for most entrepreneurs in the creation of their own businesses. The objective of this study is to identify the socioeconomic factors that explain the decision of granting microcredits to new promoters of microfinance institutions. The results of a binominal Logit model indicate that there is no discrimination based on gender or marital status when granting credits. However, graduates enjoy a higher level of positive discrimination. The business activity and the amount requested by the contractor are the factors to access financing.
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