Bengono Isidore Bimeme
Management and Accounting, University of Dschang, Dschang, Cameroon.
Glob J Flex Syst Manag. 2022;23(Suppl 1):39-50. doi: 10.1007/s40171-022-00333-w. Epub 2023 Jan 3.
It is unfortunate to acknowledge the phenomenon of Africa's Microfinance Institutions (MFIs) bankruptcies only a few years after their creation. The instability of technical, economic, commercial and cultural environments, which play an important role on MFI's sustainability, explains this recurrence of bankruptcies. These crises, both in West and Central Africa, have highlighted the role of organisational flexibility in MFIs' sustainability. This paper aims at examining the effects of flexible governance that contribute to Economic and Monetary Community of Central Africa's (EMCCA) MFIs sustainability. In this regard, we have chosen qualitative method which is a multi-modal research including a naturalist interpretation approach emphasising on entities' qualities. We have carried out semi-directive interviews among (14) MFIs in Cameroon, Congo, Gabon and Chad. We have made use of data collected with NVIVO to carry out content analysis process. The study's results show that EMCCA's MFIs sustainability is a matter of the flexibility of organisational dynamism of governance mechanisms, innovations and technological opportunities.
令人遗憾的是，非洲的小额金融机构（MFIs）在创立仅几年后就出现了破产现象。技术、经济、商业和文化环境的不稳定对小额金融机构的可持续性起着重要作用，这解释了破产现象的反复出现。西非和中非的这些危机凸显了组织灵活性在小额金融机构可持续性方面的作用。本文旨在研究有助于中部非洲经济与货币共同体（EMCCA）小额金融机构可持续性的灵活治理的影响。在这方面，我们选择了定性方法，这是一种多模式研究，包括强调实体特征的自然主义解释方法。我们对喀麦隆、刚果、加蓬和乍得的14家小额金融机构进行了半指导性访谈。我们利用NVIVO收集的数据进行内容分析。研究结果表明，EMCCA小额金融机构的可持续性取决于治理机制、创新和技术机会的组织活力的灵活性。
