Les Déterminants de la participation des agriculteurs aux marchés formels du microcrédit au Bénin
un modèle à double obstacle
DOI :
https://doi.org/10.59051/joaf.v13i2.610Mots-clés :
Agriculteurs, programme de crédit, modèle à double obstacle, Bénin, effetRésumé
Cette étude a analysé les facteurs qui affectent la participation des agriculteurs aux programmes formels de crédit au Bénin. Les données ont été collectées auprès de 400 agriculteurs sélectionnés au hasard dans 20 villages représentatifs des 7 Pôles de Développement Agricole (PDA) du Bénin. L'estimation a été faite au moyen d’un modèle à double obstacle. Les résultats indiquent que le sexe, le contact avec les services de vulgarisation et la perception des risques liés aux activités agricoles affectent négativement la probabilité d'accès au crédit. Le niveau d'instruction, l'expérience en agriculture, la superficie des cultures de rente et l'appartenance à un groupe organisé affectent positivement le taux de satisfaction de la demande de crédit. L'âge a un impact négatif sur le taux de satisfaction de la demande de crédit. L'expérience en gestion du crédit, l’information sur les opportunités d'obtention de crédit et la perception des conditions d'accès au crédit influencent à la fois la probabilité d'accès au crédit et le taux de satisfaction de la demande de crédit. Mais les influences vont dans des sens contraires. Si l'influence est positive sur la probabilité d'accès au crédit, elle affecte négativement le taux de satisfaction de la demande de crédit.
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