English, Article edition: Role of microfinance saving in Cameroon: a neo-structuralist analysis Jacob Tche

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Physical Description
  • article
Language
  • English

Edition details

Title
  • Role of microfinance saving in Cameroon: a neo-structuralist analysis
Author
  • Jacob Tche
Physical Description
  • article
Notes
  • Purpose – The aim of this paper is to establish an original database from fieldwork on microfinance institutions in Cameroon. Design/​methodology/​approach – The main method used for the research involved statistical analysis of an original survey data. The latter fieldwork analysis has enabled us to test the hypothesis of neoclassical and neo-structuralist economists advocating a significant relationship between microfinance savings and liberalised real bank deposit interest rates. Findings – The statistical analysis carried out indicated that microfinance savings are associated to variables other than the rate of interest. The failure of a liberalised interest rate policy to cause a significant portfolio shift from microfinance into the banking system does not support the interest responsiveness of savings as advocated by the McKinnon-Shaw school. This paper supports, therefore, the neo-structuralist analysis of financial development where microfinance institutions are an important structural feature of financial systems in many developing countries. Research limitations/​implications – It would be interesting to extend statistical analysis undertaken in this paper to other African countries. Practical implications – The main policy issue affecting microfinance from the empirical analysis is the need to mitigate the extremely high interest rates utilised by microfinance. Banks may be encouraged to undertake a series of measures such as guaranteeing of future loans to their customer by linking savings and loans to attract microfinance members. Originality/​value – The contribution of this paper, therefore, is to provide a unique opportunity to investigate the association between microfinance institution assets and real interest rates in an African country.
  • Cameroon, Credit institutions, Interest rates, Personal finance, Savings
  • RePEc:eme:ijdipp:v:8:y:2009:i:1:p:48-60
Language
  • English
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