Sécurisation du crédit agricole au Bénin : une étude empirique sur le portefeuille-client de Agrifinance Parakou ( Securing of agricultural credit in Benin: an empirical study on the custumer portfolio of AgriFinance Parakou )

This article that discusses the security of agricultural credit in the department of Borgou in Benin was interested in AgriFinance 100 customers who have at least once default. This investigation carried out using a questionnaire, seeking to know the reasons for their failures to propose appropriate measures for securing agricultural credit in Benin. After investigation, it is noted that the factors of non-security may be endogenous or exogenous. Endogenous factors are related to the procedure for granting credit and exogenous factors from outside the structure. These factors are generally associated with products grown by the beneficiaries. Thus the prevailing risks in the agricultural sector in north Benin are economic risks, monitoring of climate risks, of bad faith in the repayment and natural hazards. To make operational agricultural credit and ensure the speaker followed by Micro Finance Institutions in the area, the state must provide its guarantee in financing agricultural activities. As for the Micro Finance Institutions, they must ensure the continuous monitoring of the beneficiaries to secure the farm income guarantee repayment of the credit.