The Importance of the Owner / Manager's Profile in Accessing Banking Credit for SMES in the Trade / Distribution Branch in the Context Of Information Asymmetry

(L’importance Du Profil Du Proprietaire/Dirigeant Dans L’acces Au Credit Bancaire Des Pme De La Branche Commerce/Distribution En Contexte D’asymetrie D’information)

https://doi.org/10.18535/ijsrm/v8i02.em01
access to credit, SME in the trade / distribution subsector, logistic regression, relational network, manager

Authors

  • DJOU André Ilaire PhD student in management sciences at the Faculty of Economics and Management of the University of Dschang-Cameroon, Cameroon
  • KUIPOU TOUKAM Christophe Assistant at the National Higher School of Technical Education (ENSET) in Bambili, University of Bamenda-Cameroon., Cameroon
  • TAKOUDJOU NIMPA Alain Lecturers, Associate of Management Sciences, Faculty of Economic Sciences and Management of the University of Dschang-Cameroon., Cameroon
Vol. 8 No. 02 (2020)
Economics and Management
February 7, 2020

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The purpose of this article is to examine the impact of the various dimensions of the owner / manager profile on access to bank credit for Cameroonian SMEs working in the trade / distribution subsector. The results of the estimates carried out on a convenience sample of 93 SMEs / CDs highlight three main explanatory variables for access to bank credit, including the age of the owner / manager, his level of education and his relationship network intensity. Thus, owners / managers of SMEs/CDs aged 40 and over, with a high school education and a high network intensity are more likely to access the amount of credit requested. Therefore, promoters of SMEs / CDs would be better off establishing links with bankers, suppliers of goods or even associations in order to increase their chance of accessing the amount of credit requested.