The causes that influence the delay of payment at due date among ENDAI-a in Tunisia

الملخص EN

This research studies the relevance of explanatory factors of the lack of reimbursement in microfinance conceived in the side of the socio-economic and demographic characteristics of micro-borrowers.

In other words, the aim of this work is to identify the characteristics that are specific to micro-borrowers on the probability, so that an individual carries out a lack of reimbursement.

To study the determinants of reimbursement rate of micro-borrowers, this paper is divided into three main parts.

First of all, on the basis of the theoretical framework, we will particularly focus ourselves, on the explanatory factors of the lack of reimbursement in microfinance which are related to the particular characteristics of micro-borrowers, and we will try to formulate the fundamental assumptions of our research.

Then, we will discuss our sample and our results of estimations in order to treat our fundamental question of research.

At this level, we will try to empirically analyze the validity of the assumptions by the presentation and the analysis of the principal results, in order to identify the explanatory factors of the lack of reimbursement on the side of micro-borrowers.