Loan Strategies to Small and Medium Size Enterprises: An Analysis of Determining Factors of “Subsidiary Banks” in the Cameroonian Context

Abstract

This paper proposes to present an overview of determining factors of the granting of loan to Small and Medium Size Enterprises (SMSE) by the subsidiaries of multinational banks in Cameroon. The analysis of the data collected following interviews with banking employees conducted in accordance with the method of thematic content analysis reveals that two categories of factors play a major role in the decision of the banker: parameters relating to the characteristics of the SMSE applying for a loan and elements specific to the context of study. The combination of these factors contributes to the reinforcement of the already transactional attitude of these subsidiary banks in the area of experimentation of the study.