One of the faces of microfinance in Togo

The aim of this research is to analyze the impact of debt collection difficulties on social relations between Microfinance Institutions and their customers in the Agoènyivé prefecture. Our argument sheds light on the impact of faulty relations between insolvent customers and Microfinance Institutions in debt repayment. To this end, we used a mixed-methods approach, combining quantitative and qualitative data collection on a sample of 54 individuals. The study was guided by the theory of methodological individualism. The results indicate that suspicion, distrust and mistrust are the watchwords that now pit microfinance institutions against their customers, instead of relationships based on trust, mutual service and brotherhood.