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Article Abstract
The main objective of this paper is to show how the bank manages to overcome the insufficiency, unreliability and imperfection of financial information to adapt its credit supply policy to the financing needs of agricultural enterprises in Togo to limit the risk of default. To achieve this objective, we leaned towards a quantitative methodology by following a hypothetico-deductive approach in an arranged positivist posture. The results obtained come from a survey of the fourteen commercial banks established in Togo. These results show that the banks' credit policy is of a multidimensional construct which is determined by axes linked to the viability of the investment to be financed, to the agricultural enterprise's commitment to legality and to Risk sharing. Our research suggests the definition of a global legal and regulatory framework adapted to the specificities of the agricultural sector.
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