This research studies the relevance of explanatory factors of the lack of reimbursement in microfinance conceived in the side of the
socio-economic and demographic characteristics of micro-borrowers. In other words, the aim of this work is to identify the
characteristics that are specific to micro-borrowers on the probability, so that an individual carries out a lack of reimbursement.
To study the determinants of reimbursement rate of micro-borrowers, this paper is divided into three main parts. First of all, on the
basis of the theoretical framework, we will particularly focus ourselves, on the explanatory factors of the lack of reimbursement in
microfinance which are related to the particular characteristics of micro-borrowers, and we will try to formulate the fundamental
assumptions of our research. Then, we will discuss our sample and our results of estimations in order to treat our fundamental question
of research. At this level, we will try to empirically analyze the validity of the assumptions by the presentation and the analysis of the
principal results, in order to identify the explanatory factors of the lack of reimbursement on the side of micro-borrowers.