What are the determinants of the non-reimbursement for SMEs in Central Africa of credits received from financial institutions: case of Cameroon
Journal Title: Invention Journal of Research Technology in Engineering & Management - Year 2018, Vol 2, Issue 7
Abstract
This article aims to determine the factors that are the cause of the non-repayment of credits received from financial institutions by Cameroonian SMEs. This choice is sometimes. This non-repayment is often caused by factors related to the environment and the functioning of SMEs. It aims to analyze and highlight the factors that put Cameroonian SMEs in a situation of inability to repay the receivables received from financial institutions. To achieve this goal, we opted for a mixed approach: Inductive (exploration on the ground) and hypothetico deductive. To do this, we first analyzed the content of the interviews conducted with 15 SME managers and owners and tested data collected from a questionnaire administered face-to-face with 185 Cameroonian SMEs. . We used descriptive analysis and explanatory analysis. Our results show that the tax rate, the mismanagement of managers, poor accounting and unforeseen situations have a significant positive influence on the non-repayment of loans, while the age and size of SMEs exert significant negative influence on the non-repayment of loans by Cameroonian SMEs.
Authors and Affiliations
MAKANI Samuel Roland
Keywords
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