La microfinance en zones rurales : quel bilan en Afrique Centrale ?

Abstract

The objective of this article is to present the review of microfinance by analysing its impact on the socio-economic living conditions of rural populations in Central Africa, where micro-projects are still to finance. To achieve this objective, a multiple regression was applied to the data collected in Global Findex database. Analyses show that the effects of microfinance in rural areas in Central Africa are negligible. It can be seen that the opening of a bank account improves the living conditions of the villagers while microcredit significantly deteriorates the Human Development Index of these populations. Recipients of microfinance services continue to face difficulties while financing their own health care, paying their bills and are unable to save money. The particularity of this study is that, the impact of microfinance on the living conditions of village populations in central Africa is analysed.