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L’efficience des cooperatives de services financiers : Une analyse de la contribution du milieu

Author

Listed:
  • Mario Fortin

    (GREDI, Département d'économique, Université de Sherbrooke)

  • André Leclerc

    (Université de Moncton)

Abstract
Le faible niveau moyen d’efficience des institutions bancaires habituellement trouvé dans les études empiriques a été qualifié de « boîte noire » par Berger et Mester (1997). Cette étude cherche à identifier si les caractéristiques de l’environnement de même que celles qui sont propres à une coopérative d’épargne et de crédit pourraient expliquer une partie des écarts de performance apparaissant dans les scores d’efficience. Le modèle de coût que nous avons estimé est basé sur la valeur ajoutée par l’intermédiation financière. Par ailleurs, pour limiter la perte d’informations découlant de la borne à l’unité des scores d’efficience découlant du DEA, nous avons comparé les résultats d’une analyse avec le score d’efficience et de super efficience. Nos résultats montrent qu’au moins 34% des écarts de scores peuvent être expliqués par un ensemble limité de variables : taille de la coopérative, le taux de capitalisation, l’épargne par membre, le nombre de membres et le type de marché.

Suggested Citation

  • Mario Fortin & André Leclerc, 2010. "L’efficience des cooperatives de services financiers : Une analyse de la contribution du milieu," Cahiers de recherche 10-23, Departement d'économique de l'École de gestion à l'Université de Sherbrooke.
    • Handle: RePEc:shr:wpaper:10-23
    as

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    File URL: http://gredi.recherche.usherbrooke.ca/wpapers/GREDI-1023.pdf
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    References listed on IDEAS

    as
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    2. Mario Fortin & Andre Leclerc, 2007. "Should we Abandon the Intermediation Approach for Analyzing Banking Performance?," Cahiers de recherche 07-01, Departement d'économique de l'École de gestion à l'Université de Sherbrooke.
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    Cited by:

    1. Almudena Martínez-Campillo & Yolanda Fernández-Santos, 2017. "What About the Social Efficiency in Credit Cooperatives? Evidence from Spain (2008–2014)," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 131(2), pages 607-629, March.
    2. Almudena Martínez-Campillo & Yolanda Fernández-Santos & María Pilar Sierra-Fernández, 2018. "How Well Have Social Economy Financial Institutions Performed During the Crisis Period? Exploring Financial and Social Efficiency in Spanish Credit Unions," Journal of Business Ethics, Springer, vol. 151(2), pages 319-336, August.

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    More about this item

    Keywords

    Banking efficiency; DEA; credit unions;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L25 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Performance

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