[ Sécurisation du crédit agricole au Bénin : une étude empirique sur le portefeuille-client de Agrifinance Parakou ]
Volume 22, Issue 1, April 2016, Pages 112–122
Agbatchi Christian ODE1, Jacob A. YABI2, Djobo ALPHA3, and François Xavier BACHABI4
1 Faculté d’Agronomie, Université de Parakou, Laboratoire d’Analyses et de Recherches sur les Dynamiques Economiques et Sociales, Parakou, Benin
2 Faculté d'Agronomie, Université de Parakou, BP 123, Parakou, Benin
3 DEDRAS-ONG, AgriFinance, Parakou, Benin
4 Département de Production Végétale (DPV), Ecole Nationale des Sciences et Techniques Agricoles de Djougou, Université de Parakou, Benin
Original language: French
Copyright © 2016 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
This article that discusses the security of agricultural credit in the department of Borgou in Benin was interested in AgriFinance 100 customers who have at least once default. This investigation carried out using a questionnaire, seeking to know the reasons for their failures to propose appropriate measures for securing agricultural credit in Benin. After investigation, it is noted that the factors of non-security may be endogenous or exogenous. Endogenous factors are related to the procedure for granting credit and exogenous factors from outside the structure. These factors are generally associated with products grown by the beneficiaries. Thus the prevailing risks in the agricultural sector in north Benin are economic risks, monitoring of climate risks, of bad faith in the repayment and natural hazards. To make operational agricultural credit and ensure the speaker followed by Micro Finance Institutions in the area, the state must provide its guarantee in financing agricultural activities. As for the Micro Finance Institutions, they must ensure the continuous monitoring of the beneficiaries to secure the farm income guarantee repayment of the credit.
Author Keywords: Guarantee, products grown, AgriFinance, risk, farm income.
Volume 22, Issue 1, April 2016, Pages 112–122
Agbatchi Christian ODE1, Jacob A. YABI2, Djobo ALPHA3, and François Xavier BACHABI4
1 Faculté d’Agronomie, Université de Parakou, Laboratoire d’Analyses et de Recherches sur les Dynamiques Economiques et Sociales, Parakou, Benin
2 Faculté d'Agronomie, Université de Parakou, BP 123, Parakou, Benin
3 DEDRAS-ONG, AgriFinance, Parakou, Benin
4 Département de Production Végétale (DPV), Ecole Nationale des Sciences et Techniques Agricoles de Djougou, Université de Parakou, Benin
Original language: French
Copyright © 2016 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Abstract
This article that discusses the security of agricultural credit in the department of Borgou in Benin was interested in AgriFinance 100 customers who have at least once default. This investigation carried out using a questionnaire, seeking to know the reasons for their failures to propose appropriate measures for securing agricultural credit in Benin. After investigation, it is noted that the factors of non-security may be endogenous or exogenous. Endogenous factors are related to the procedure for granting credit and exogenous factors from outside the structure. These factors are generally associated with products grown by the beneficiaries. Thus the prevailing risks in the agricultural sector in north Benin are economic risks, monitoring of climate risks, of bad faith in the repayment and natural hazards. To make operational agricultural credit and ensure the speaker followed by Micro Finance Institutions in the area, the state must provide its guarantee in financing agricultural activities. As for the Micro Finance Institutions, they must ensure the continuous monitoring of the beneficiaries to secure the farm income guarantee repayment of the credit.
Author Keywords: Guarantee, products grown, AgriFinance, risk, farm income.
Abstract: (french)
Le présent article qui aborde la sécurisation du crédit agricole dans le département du Borgou au Bénin, s’est intéressé à 100 clients de AgriFinance ayant fait au moins une fois défaut de paiement. Cette investigation conduite à l’aide d’un questionnaire, cherche à connaître les raisons de leurs échecs afin de proposer des mesures idoines pour sécuriser le crédit agricole au Bénin. Au terme des investigations, on note que les facteurs de l’insécurisation peuvent être endogènes ou exogènes. Les facteurs endogènes sont liés à la procédure d’octroi de crédit et les facteurs exogènes proviennent de l’extérieur de la structure. Ces derniers facteurs sont généralement liés aux produits cultivés par les bénéficiaires et le marché. Ainsi les risques dominants dans le secteur agricole au nord Bénin sont des risques économiques, suivi des risques climatiques, de la mauvaise foi dans le remboursement et des risques naturels. Pour rendre opérationnel le crédit agricole et assurer la suivie des Institutions de Micro Finance intervenant dans le domaine, l’Etat doit apporter sa garantie dans le financement des activités agricoles. Quant aux Institutions de la Micro Finance, elles doivent veiller au suivi permanent des bénéficiaires afin de sécuriser le revenu agricole et garantir le remboursement du crédit.
Author Keywords: Garantie, Produits cultivés, AgriFinance, Risque, Revenu agricole.
How to Cite this Article
Agbatchi Christian ODE, Jacob A. YABI, Djobo ALPHA, and François Xavier BACHABI, “Securing of agricultural credit in Benin: an empirical study on the custumer portfolio of AgriFinance Parakou,” International Journal of Innovation and Scientific Research, vol. 22, no. 1, pp. 112–122, April 2016.
