Analyse des déterminants socioéconomiques de la demande de crédit des ménages agricoles au Togo
DOI :
https://doi.org/10.18559/rielf.2025.1.2446Mots-clés :
facteurs socioéconomiques, demande de crédit, ménages agricoles, Togo, Logit binaireRésumé
Objectif : L’objectif de cet article est d’identifier les facteurs socioéconomiques qui influent sur la demande de crédit des ménages agricoles au Togo.
Conception/méthodologie/approche : Pour ce faire, nous utilisons un modèle logit binaire appliqué sur les données de l'enquête EHCVM 2018 (Enquête Harmonisée sur les Conditions de Vie des Ménages, 2018).
Résultats : Les résultats de l'analyse de régression logistique binaire révèlent une corrélation positive et significative entre l'accès aux services financiers des ménages agricoles et des variables telles que le niveau d'éducation formelle du chef de ménage, sa situation matrimoniale, la taille de l'exploitation du ménage, les types de sol de l’exploitation du ménage ainsi que le revenu du ménage. Ces variables sont des facteurs déterminants qui favorisent l'accès des ménages agricoles aux services financiers. Ces résultats soulignent la nécessité de renforcer les politiques publiques visant à améliorer cet accès, en particulier en mettant l'accent sur les variables identifiées.
Originalité/valeur : L’originalité de cette recherche réside dans son ancrage empirique au contexte togolais offrant ainsi une contribution pertinente à la compréhension des facteurs socioéconomiques influençant la demande de crédit des ménages agricoles et à l’élaboration de politiques de financement agricole plus inclusives et efficaces.
JEL Classification
Microeconomics (B21)
Discrete Regression and Qualitative Choice Models • Discrete Regressors • Proportions (C35)
Governmental Loans • Loan Guarantees • Credits • Grants • Bailouts (H81)
Agricultural Markets and Marketing • Cooperatives • Agribusiness (Q13)
Agricultural Finance (Q14)
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(c) Copyright Lardja Kolani, Koffi Charles Sagbo 2025
Ce travail est disponible sous licence Creative Commons Attribution - Pas d’Utilisation Commerciale - Partage dans les Mêmes Conditions 4.0 International.
