The Issue of the Financial Policy of Banks in Sub-Saharan Africa: An Analysis within Banks with Mainly Western Capital in Cameroon

ABSTRACT: The financing of the economy remains the major problem of countries in sub-Saharan Africa despite the presence of banks and an expanding financial market. The aim of this article is to contribute to a better understanding of the problems affecting banks' financial policy. Our scope of investigation is Cameroon. The study focuses on three banks with predominantly Western capital. Our methodological approach lies in conducting semi-structured interviews with branch heads, account managers and customers of the banks surveyed. The data is analyzed according to the thematic content approach. The results show that endogenous and exogenous factors to the banks interviewed hinder the decisions of bank managers and banking activities. As the financing of the economy is perceived as one of the components of the bank's social responsibility, these results give to think for thought on the governance model likely to promote a relevant financial policy.