<?xml version="1.0" encoding="utf-8"?>
<TEI xmlns="http://www.tei-c.org/ns/1.0" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:hal="http://hal.archives-ouvertes.fr/" xmlns:gml="http://www.opengis.net/gml/3.3/" xmlns:gmlce="http://www.opengis.net/gml/3.3/ce" version="1.1" xsi:schemaLocation="http://www.tei-c.org/ns/1.0 http://api.archives-ouvertes.fr/documents/aofr-sword.xsd">
  <teiHeader>
    <fileDesc>
      <titleStmt>
        <title>HAL TEI export of hal-01538412</title>
      </titleStmt>
      <publicationStmt>
        <distributor>CCSD</distributor>
        <availability status="restricted">
          <licence target="https://creativecommons.org/publicdomain/zero/1.0/">CC0 1.0 - Universal</licence>
        </availability>
        <date when="2026-05-19T20:21:05+02:00"/>
      </publicationStmt>
      <sourceDesc>
        <p part="N">HAL API Platform</p>
      </sourceDesc>
    </fileDesc>
  </teiHeader>
  <text>
    <body>
      <listBibl>
        <biblFull>
          <titleStmt>
            <title xml:lang="en">Determinants of Microfinance institutions' access to bank credit in Senegal</title>
            <author role="aut">
              <persName>
                <forename type="first">François-Seck</forename>
                <surname>Fall</surname>
              </persName>
              <email type="md5">fa22141629c3b346cfed76174261b2e5</email>
              <email type="domain">ut-capitole.fr</email>
              <idno type="idhal" notation="string">francois-fall</idno>
              <idno type="idhal" notation="numeric">174033</idno>
              <idno type="halauthorid" notation="string">722489-174033</idno>
              <idno type="IDREF">https://www.idref.fr/164695478</idno>
              <affiliation ref="#struct-82639"/>
            </author>
            <editor role="depositor">
              <persName>
                <forename>Luis</forename>
                <surname>Orozco</surname>
              </persName>
              <email type="md5">9e11adb434225a626524b31997a23679</email>
              <email type="domain">univ-tlse2.fr</email>
            </editor>
          </titleStmt>
          <editionStmt>
            <edition n="v1" type="current">
              <date type="whenSubmitted">2017-06-13 15:16:47</date>
              <date type="whenModified">2025-09-23 14:22:13</date>
              <date type="whenReleased">2017-06-15 13:29:44</date>
              <date type="whenProduced">2017-06-11</date>
              <date type="whenEndEmbargoed">2017-06-13</date>
              <ref type="file" target="https://univ-tlse2.hal.science/hal-01538412v1/document">
                <date notBefore="2017-06-13"/>
              </ref>
              <ref type="file" subtype="greenPublisher" n="1" target="https://univ-tlse2.hal.science/hal-01538412v1/file/Determinants%20of%20Microfinance%20%20Institutions%27%20access%20to%20bank%20credit%20in%20Senegal.pdf" id="file-1538412-1597733">
                <date notBefore="2017-06-13"/>
              </ref>
            </edition>
            <respStmt>
              <resp>contributor</resp>
              <name key="172512">
                <persName>
                  <forename>Luis</forename>
                  <surname>Orozco</surname>
                </persName>
                <email type="md5">9e11adb434225a626524b31997a23679</email>
                <email type="domain">univ-tlse2.fr</email>
              </name>
            </respStmt>
          </editionStmt>
          <publicationStmt>
            <distributor>CCSD</distributor>
            <idno type="halId">hal-01538412</idno>
            <idno type="halUri">https://univ-tlse2.hal.science/hal-01538412</idno>
            <idno type="halBibtex">fall:hal-01538412</idno>
            <idno type="halRefHtml">&lt;i&gt;Economics Bulletin&lt;/i&gt;, 2017, 37 (2)</idno>
            <idno type="halRef">Economics Bulletin, 2017, 37 (2)</idno>
            <availability status="restricted">
              <licence target="https://about.hal.science/hal-authorisation-v1/">HAL Authorization<ref corresp="#file-1538412-1597733"/></licence>
            </availability>
          </publicationStmt>
          <seriesStmt>
            <idno type="stamp" n="SHS">Sciences de l'Homme et de la Société</idno>
            <idno type="stamp" n="UNIV-TLSE2">Université Toulouse 2</idno>
            <idno type="stamp" n="AO-ECONOMIE">Archives ouvertes de l'Economie</idno>
            <idno type="stamp" n="UT1-CAPITOLE">Université Toulouse 1 Capitole</idno>
            <idno type="stamp" n="LEREPS" corresp="UNIV-TLSE2">Laboratoire d'Etude et de Recherche sur l'Economie, les Politiques et les Systèmes Sociaux</idno>
            <idno type="stamp" n="CAMPUS-AAR">Campus-AAR</idno>
            <idno type="stamp" n="AAI">Collection LaCAS - Open Archives in Language and Cultural Area Studies</idno>
          </seriesStmt>
          <notesStmt>
            <note type="audience" n="2">International</note>
            <note type="popular" n="0">No</note>
            <note type="peer" n="1">Yes</note>
          </notesStmt>
          <sourceDesc>
            <biblStruct>
              <analytic>
                <title xml:lang="en">Determinants of Microfinance institutions' access to bank credit in Senegal</title>
                <author role="aut">
                  <persName>
                    <forename type="first">François-Seck</forename>
                    <surname>Fall</surname>
                  </persName>
                  <email type="md5">fa22141629c3b346cfed76174261b2e5</email>
                  <email type="domain">ut-capitole.fr</email>
                  <idno type="idhal" notation="string">francois-fall</idno>
                  <idno type="idhal" notation="numeric">174033</idno>
                  <idno type="halauthorid" notation="string">722489-174033</idno>
                  <idno type="IDREF">https://www.idref.fr/164695478</idno>
                  <affiliation ref="#struct-82639"/>
                </author>
              </analytic>
              <monogr>
                <idno type="halJournalId" status="VALID">705</idno>
                <idno type="issn">1545-2921</idno>
                <title level="j">Economics Bulletin</title>
                <imprint>
                  <publisher>Economics Bulletin</publisher>
                  <biblScope unit="volume">37</biblScope>
                  <biblScope unit="issue">2</biblScope>
                  <date type="datePub">2017-06-11</date>
                </imprint>
              </monogr>
            </biblStruct>
          </sourceDesc>
          <profileDesc>
            <langUsage>
              <language ident="en">English</language>
            </langUsage>
            <textClass>
              <keywords scheme="author">
                <term xml:lang="en">Senegal</term>
                <term xml:lang="en">Panel model</term>
                <term xml:lang="en">Financial Cooperation</term>
                <term xml:lang="en">Refinancing</term>
                <term xml:lang="en">Microfinance</term>
                <term xml:lang="en">Banking</term>
              </keywords>
              <classCode scheme="halDomain" n="shs.eco">Humanities and Social Sciences/Economics and Finance</classCode>
              <classCode scheme="halTypology" n="ART">Journal articles</classCode>
              <classCode scheme="halOldTypology" n="ART">Journal articles</classCode>
              <classCode scheme="halTreeTypology" n="ART">Journal articles</classCode>
            </textClass>
            <abstract xml:lang="en">
              <p>The financial relationship between banks and microfinance institutions (MFIs) is a key element of the debate on establishing accessible financial systems in sub-Saharan countries. Today, MFIs face strong and growing pressure in terms of resources, especially due to an increasing demand for funding, both in number and volumes. However, there is virtually no academic literature on refinancing between banks and MFIs. Also, the existing empirical literature on microfinance access to external funding has to some extend neglected the importance of bank financing funds, focusing more on international external funds. The purpose of this paper is to analyze the access of MFIs to external funds from the local banking system. Specifically, we examine the link between an MFI's access to Banks funding and its maturity and performance. From a panel of 156 Senegalese MFIs, we have created a fixed-effects model to help explain the influence of key variables (MFI size, profitability, risk, etc.) on an MFI's ability to raise funds from the local banking system. The results show that bank financing generally benefit large MFIs, those with significant tangible assets and with a high quality portfolio. Profitability does not seem to be a key determinant of MFI's access to bank funding. However, the funds deposited by microfinance organizations in banks act as a financing guarantee and strongly help MFIs to raise funds from local commercial banks.</p>
            </abstract>
          </profileDesc>
        </biblFull>
      </listBibl>
    </body>
    <back>
      <listOrg type="structures">
        <org type="laboratory" xml:id="struct-82639" status="VALID">
          <idno type="IdRef">08621196X</idno>
          <idno type="RNSR">200715451U</idno>
          <idno type="ROR">https://ror.org/05tcnbj64</idno>
          <orgName>Laboratoire d'Etude et de Recherche sur l'Economie, les Politiques et les Systèmes Sociaux</orgName>
          <orgName type="acronym">LEREPS</orgName>
          <date type="start">1976-01-01</date>
          <desc>
            <address>
              <addrLine>2 Rue du Doyen-Gabriel-Marty 31042 Toulouse</addrLine>
              <country key="FR"/>
            </address>
            <ref type="url">http://lereps.sciencespo-toulouse.fr/</ref>
          </desc>
          <listRelation>
            <relation name="EA4212" active="#struct-81148" type="direct"/>
            <relation name="443875" active="#struct-443875" type="indirect"/>
            <relation active="#struct-116256" type="direct"/>
            <relation active="#struct-443875" type="indirect"/>
            <relation active="#struct-300257" type="direct"/>
            <relation active="#struct-301788" type="direct"/>
          </listRelation>
        </org>
        <org type="institution" xml:id="struct-81148" status="VALID">
          <idno type="IdRef">026404354</idno>
          <idno type="ISNI">0000000121902837</idno>
          <idno type="ROR">https://ror.org/0443n9e75</idno>
          <orgName>Université Toulouse Capitole</orgName>
          <orgName type="acronym">UT Capitole</orgName>
          <date type="start">1970-01-01</date>
          <desc>
            <address>
              <addrLine>2 rue du Doyen-Gabriel-Marty - 31042 Toulouse Cedex 9</addrLine>
              <country key="FR"/>
            </address>
            <ref type="url">http://www.ut-capitole.fr/</ref>
          </desc>
          <listRelation>
            <relation name="443875" active="#struct-443875" type="direct"/>
          </listRelation>
        </org>
        <org type="regroupinstitution" xml:id="struct-443875" status="VALID">
          <idno type="ROR">https://ror.org/017tgbk05</idno>
          <orgName>Communauté d'universités et établissements de Toulouse</orgName>
          <orgName type="acronym">Comue de Toulouse</orgName>
          <desc>
            <address>
              <addrLine>41 Allée Jules Guesde, 31000 Toulouse</addrLine>
              <country key="FR"/>
            </address>
            <ref type="url">https://www.univ-toulouse.fr/</ref>
          </desc>
        </org>
        <org type="institution" xml:id="struct-116256" status="VALID">
          <idno type="IdRef">026403994</idno>
          <idno type="ROR">https://ror.org/04ezk3x31</idno>
          <orgName>Université Toulouse - Jean Jaurès</orgName>
          <orgName type="acronym">UT2J</orgName>
          <date type="start">1971-01-01</date>
          <desc>
            <address>
              <addrLine>5 allées Antonio Machado - 31058 Toulouse Cedex 9</addrLine>
              <country key="FR"/>
            </address>
            <ref type="url">http://www.univ-tlse2.fr</ref>
          </desc>
          <listRelation>
            <relation active="#struct-443875" type="direct"/>
          </listRelation>
        </org>
        <org type="institution" xml:id="struct-300257" status="VALID">
          <orgName>Institut d'Études Politiques [IEP] - Toulouse</orgName>
          <desc>
            <address>
              <country key="FR"/>
            </address>
          </desc>
        </org>
        <org type="institution" xml:id="struct-301788" status="VALID">
          <idno type="IdRef">034635491</idno>
          <idno type="ROR">https://ror.org/03ac68784</idno>
          <orgName>École Nationale Supérieure de Formation de l'Enseignement Agricole de Toulouse-Auzeville</orgName>
          <orgName type="acronym">ENSFEA</orgName>
          <date type="start">2016-11-10</date>
          <desc>
            <address>
              <addrLine>BP 226872 Route de Narbonne, 31326 Castanet Tolosan Cedex</addrLine>
              <country key="FR"/>
            </address>
            <ref type="url">http://www.ensfea.fr/</ref>
          </desc>
        </org>
      </listOrg>
    </back>
  </text>
</TEI>