Problematic of Credit Repayment in the Decentralized Financial Systems in Togo

International Journal of Economics and Management Studies

© 2022 by SSRG - IJEMS Journal

Volume 9 Issue 9

Year of Publication : 2022

Authors : Adela Komlavi

10.14445/23939125/IJEMS-V9I9P103

How to Cite?

Adela Komlavi, "Problematic of Credit Repayment in the Decentralized Financial Systems in Togo," SSRG International Journal of Economics and Management Studies, vol. 9,  no. 9, pp. 13-20, 2022. Crossref, https://doi.org/10.14445/23939125/IJEMS-V9I9P103

Abstract:

In this paper, we sought to assess the factors explaining the repayment of loans by borrowers in SFDs in Togo using a Logit model. A regression analysis of data collected on a sample of 157 loan files shows that older borrowers and those more distant from the institution have a higher credit repayment score, while gender and the amount of credit received by the borrower negatively influence the credit repayment rate. Even if the credit repayment score does not depend on the activity that the borrower has undertaken or wants to undertake, it would be desirable for the SFDs to finance more commercial activities because they favor a rapid turnover of capital.

Keywords:

Repayment, Borrower, SFD.

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