A Proposal of a Microcredit Granting Model for the Microfinance Associations in Tunisia

This article is devoted to look at how the factors micro-loan risks in microfinance are related to the micro-borrowers. In this regard, the present analysis involves the using of a set representative and fundamental variables in our research. The study basically use the socio-economic and socio-demographic features specific to the micro-borrowers, which are expected to affect the repayment delay, using the scoring models introduced to assess the micro- borrowers’ risk quality. Based on survey and logistic regression containing these features, the empirical results of econometric model show their impact on the repayment delay in the Tunisian Micro-Credit Associations.