La présente thèse vise à confirmer le rôle important des institutions financières coopératives en Arabie saoudite. La finance coopérative dans KSA est un nouveau modèle d'institutions financières créées à des fins non lucratives, fermement liées à l'économie sociale. Les principaux objectifs de la thèse élaborée est d'identifier la contribution des institutions de microcrédit en Arabie Saoudite comme une alternative de financement pour aider les pauvres à améliorer leurs conditions de vie et à éradiquer la pauvreté.La thèse offre une nouvelle alternative de financement pour les personnes exclues de l'accès aux fonds du système bancaire classique et tente de mettre en évidence les effets positifs du microcrédit sur ces bénéficiaires. Dans la recherche empirique, l'auteur a principalement mené une enquête sur les clients des institutions de microcrédit en essayant de déterminer si l'attribution du microcrédit avait changé la vie des bénéficiaires et amélioré leurs conditions de vie et de lutter contre la pauvreté.L'enquête empirique est axée sur une approche quantitative. La recherche repose sur la distribution d'un questionnaire sur un échantillon de clients recevant les services financiers des institutions de microcrédit. Le choix de l'échantillon de l'étude a été sévèrement mené : les questions ont été posées sur 2 groupes d'individus : le premier groupe est composé des clients des institutions de microcrédit et le second comprend les témoins du programme (ne recevant pas de crédits).Les résultats de la recherche empirique encouragent les services financiers fournis par les institutions de microcrédit, jouant un rôle central dans l'amélioration des conditions de vie des populations pauvres et l'amélioration des activités économiques des bénéficiaires des crédits. L'enquête a permis de déduire que le microcrédit a eu des effets positifs à différents niveaux. Il a eu une incidence positive sur la capacité de contrôle des ressources et la capacité de gestion des clients et a augmenté le fonds de roulement de l'activité économique et a amélioré la taille de l'entreprise dans la communauté des bénéficiaires en créant de nouvelles opportunités d'emplois. / The present dissertation is an attempt to bear out the significant role of cooperative finance institutions in Saudi Arabia. Cooperative finance in KSA is a new pattern of finance institutions created for non-lucrative purpose, firmly related to social economy. The main objectives of the elaborated thesis is to identify the contribution of institutions of microcredit in Saudi Arabia as an alternative of funding to assist the poor to improve their conditions of living and to eradicate poverty.The dissertation is providing a new alternative of funding for excluded individuals from the access to the funds of classical banking system and attempts to highlight the positive effects of microcredit on those beneficiaries. In the empirical research, the author principally conducted a survey on the customers of the microcredit institutions trying to determine if the attribution of microcredit had changed the life of the beneficiaries and enhanced their living conditions and to fight poverty.The empirical investigation focuses on a quantitative approach survey. The research relies on the distribution of a questionnaire on a sample of customers receiving the financial services of microcredit institutions. The choice of the sample of the study was severely conducted: the questions was posed on 2 groups of individuals: the first group is made up of the customers of the microcredit institutions and the second is including the witnesses of the program (not receiving credits).The findings of the empirical research are encouraging the financial services provided by microcredit institutions, playing a pivotal role in enhancing the conditions of living of poor population and improving the economic activities of the recipients of the credits. The survey allowed to deduce that microcredit had positive effects on various levels. It positively affected the abilities of control of the resources and the ability of management the customers and had increased the working capital of the economic activity and had improved the size of the business in the community of the beneficiaries through creating new opportunities for jobs.

Microcredit in developed countries behaves in a di erent way than in developing countries. Not only are there bigger obstacles to surpass, like regulation and heavy competition, but also the main driver for microcredit, peer pressure, is almost inexistent. Microcredit institutions turn to a di erent technique to ensure high repayment rates; they follow the loan using training and weekly meetings. However, this procedure has high costs and the institutions must plead for donations from public and private gures. Ensuring these donations come with higher repayment rates. Thus, we will observe which characteristic of a group loan has a positive or negative impact on the repayment rates using data from the Quebec institution of the RQCC. These variables range from gender to training hours and will be regressed using stata.

The study assess the roles played by cooperative societies’ savings and loans services on members’ economic condition, standard of living and in meeting participants financial needs in rural locations where there is no bank nor other formal financial providers. Using a combination of interview, focus group discussion and questionnaire techniques, the study covers the activities of cooperative societies located in rural communities and villages outside the state capital and local government headquarters where there is no electricity, water and tarred road in Ogun State, Nigeria. From its findings, this study identified and discussed potential areas for the improvement of cooperative societies that could be of benefit to rural finance providers and the cooperative members. The study is the first empirical investigation in Nigeria that focuses on the relevance of cooperative societies on members’ standard of living in rural communities and villages. The study shed light on how rural communities function – how their relationships develop, how individual esteem is increased, how interdependence grows, how hierarchies are maintained – and how this is facilitated in part by the loan-making of members promoted cooperatives. It has also provided more evidence on the importance of land ownership, and how this is enhanced when rural communities have access to cheap and affordable loans. It has also provided insights into the development of rural businesses, how complex they are, and how they require more input than the financing received through cooperative loans. The study breaks new ground in informal cooperative functioning, community development and rural finance research by providing a distinction between standard of living and quality of life variables in measuring the economic condition of rural dwellers, and the production of circle of social capital theory that the role of cooperatives to the members involve financial capital, physical capital and social capital which are interrelated. This helps to appropriately identify the roles of cooperative societies in rural finance to increase in household income, ownership of household assets and acquisition of enterprise assets. However, participation in the cooperative does not lead to enterprise profitability, while rural financial needs are more accessible from cooperatives than other sources.