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ABSTRACT. The purpose of this paper is to examine the economic and human characteristics of micro-entrepreneurs that affect their financing by Microfinance Institutions (MFIs) in Cameroon. The study uses OLS (Ordinary Least Square) multiple regression equations to examine these characteristics. Results showed that economic capital variables business activity, collaterals and solvency capacity do not affect the financing of micro-entrepreneurs by Corporation MFIs but do for repayment of microcredit by micro-entrepreneurs. Meanwhile these variables do affect the lending and the repayment of microcredit for Independent and Affiliated Cooperative MFIs. The results showed also that human capital variables education, business experience and professional training affect the lending and the repayment of microcredit by micro-entrepreneurs of the three types of MFIs. pp. 88–108


Keywords: Economic capital, Human capital, Financing, Microfinance, Microfinance Institutions characteristics, OLS multiple regression equations

Serge Messomo Ellé
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University of Buea

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