A Modeling Study of the Micro-finance İmpact on the Economic Performance of Micro-enterprises and the Well-being of Borrowers in Morocco: Case of Tangier-Tetouan - Al Hoceima Region

Mohamed B. S. Amrani, Faris Hamza, El Hachloufi Mostapha

Abstract


This paper aims to study the impact of microfinance on the performance of micro-enterprises and the well-being of borrowers. From a methodological point of view, we have opted for an econometric study based on a multiple linear regression model realized on a sample of 200 Microcredit beneficiaries from two reference institutions in the Tangier-Tetouan-Al-Hoceima region. The results of this research indicate that micro-credits positively and partially influence the economic performance of micro-enterprises and the well-being of beneficiaries. The linear regression model shows that the economic performance of micro-enterprises is explained by two variables, namely: profit and savings while social performance (well-being of beneficiaries) is explained by two endogenous variables namely: improving the level of schooling of children, as well as improving food.

Keywords: Microcredit, Impact, Economic Performance, Social Performance.

JEL Classifications: G2, O1

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