DÉTERMINANTS DE L’INCLUSION FINANCIÈRE DANS LES PAYS DE LA COMMUNAUTÉ ÉCONOMIQUE ET MONÉTAIRE D’AFRIQUE CENTRALE (CEMAC)

Résumé

This study studied the determinants of financial inclusion in the countries of the Central African Economic and Monetary Community (CEMAC). Two financial inclusion measures are included in this study, namely the number of people who borrowed money from commercial banks per 1000 adults and the number of people who deposited money in commercial banks per 1000 adults. The determinants of the first measure are the number of people borrowing delayed by one period, the GDP per capita, the credits granted to private firms, the borrowing interest rate, the number of Internet users and the rate of literacy. The determinants of the second measure are the number of depositors of money delayed by one period, GDP per capita, credit to the private sector, the deposit interest rate, inflation, the number of Internet users, and M2 / GDP is significant.