R. Armendariz, B. , and J. Morduch, The Economics of Micronance, 2010.

B. Balkenhol, C. Guézennec, F. Lainé, and L. Nouaille-degorce, Le microcrédit professionnel en France: quels eets sur l'emploi? Conseil d'Analyse Stratégique, Bureau International du Travail Finance Solidaire, pp.2013-2020, 2013.

R. Benabou and J. Tirole, Self-condence and personal motivation, Quarterly Journal of Economics, vol.117, issue.3, p.871915, 2002.

R. Benabou and J. Tirole, Intrinsic and Extrinsic Motivation, Review of Economic Studies, vol.70, issue.3, p.489520, 2003.
DOI : 10.1111/1467-937X.00253

R. Benabou and J. Tirole, Self-knowledge and self-regulation: An economic approach, Psychology of Economic Decisions, vol.1, 2003.

R. Bourlès and A. Cozarenco, State intervention and the microcredit market: the role of business development services, Small Business Economics, vol.3, issue.3, p.931944, 2014.
DOI : 10.1007/s11187-014-9578-0

W. J. Boyes, D. L. Homan, and S. A. Low, An econometric analysis of the bank credit scoring problem, Journal of Econometrics, vol.40, issue.1, p.314, 1989.
DOI : 10.1016/0304-4076(89)90026-2

C. Casamatta, Financing and Advising: Optimal Financial Contracts with Venture Capitalists, The Journal of Finance, vol.27, issue.5, p.20592086, 2003.
DOI : 10.1111/1540-6261.00597

C. H. Cooley, Human Nature and the Social Order, 1902.

D. Bettignies, J. , and J. A. Brander, Financing entrepreneurship: Bank finance versus venture capital, Journal of Business Venturing, vol.22, issue.6, p.808832, 2007.
DOI : 10.1016/j.jbusvent.2006.07.005

R. Deyoung, D. Glennon, and P. Nigro, Borrowerlender distance, credit scoring, and loan performance: Evidence from informational-opaque small business borrowers, Journal of Financial Intermediation, vol.17, issue.1, p.113143, 2008.

E. L. Edgcomb, What makes for eective micro-enterprise training?, Journal of Micronance, vol.4, issue.1, p.99114, 2002.

C. E. Evans, The importance of business development services for micronance clients in industrialized countries, Global Microcredit Summit, 2011.

D. T. Gilbert and D. Silvera, Overhelping., Journal of Personality and Social Psychology, vol.70, issue.4, p.678690, 1996.
DOI : 10.1037/0022-3514.70.4.678

J. J. Heckman, Sample selection bias as a specication error, Econometrica, vol.47, issue.1, p.153161, 1979.

J. Ishida, Optimal promotion policies with the looking-glass eect, Journal of Labor Economics, vol.24, issue.4, p.857877, 2006.

D. Karlan and M. Valdivia, Teaching Entrepreneurship: Impact of Business Training on Microfinance Clients and Institutions, Review of Economics and Statistics, vol.84, issue.2, p.510527, 2011.
DOI : 10.1016/S0305-750X(01)00128-0

S. Lammermann, E. Zamorano, and P. Guichandut, Micronance and business development services in Europe. a guide on good practices, 2007.

T. Lancaster, The Econometric Analysis of Transition Data, 1992.
DOI : 10.1017/CCOL0521265967

R. Lensink, R. Mersland, and V. T. Nhung, Should micronance institutions specialize in nancial services? Second International Research Conference on Micronance, 2011.

E. Maskin and J. Tirole, The Principal-Agent Relationship with an Informed Principal: The Case of Private Values, Econometrica, vol.58, issue.2, p.379409, 1990.
DOI : 10.2307/2938208

S. Mckernan, The impact of microcredit programs on self-employment prots: Do noncredit program aspects matter? Review of, Economics and Statistics, vol.84, issue.1, p.93115, 2002.

R. B. Myerson, Mechanism Design by an Informed Principal, Econometrica, vol.51, issue.6, p.176797, 1983.
DOI : 10.2307/1912116

L. Postelnicu, N. Hermes, and A. Szafarz, Dening Social Collateral in Micronance Group Lending, Micronance Institutions: Financial and Social Performance, 2014.

K. Roszbach, Bank Lending Policy, Credit Scoring, and the Survival of Loans, Review of Economics and Statistics, vol.71, issue.4, p.946958, 2004.
DOI : 10.2307/1884684

O. H. Swank and B. Visser, Motivating Through Delegating Tasks or Giving Attention, Journal of Law, Economics, and Organization, vol.23, issue.3, p.731742, 2007.
DOI : 10.1093/jleo/ewm020
URL : http://jleo.oxfordjournals.org/cgi/content/short/23/3/731

B. Villeneuve, The consequences for a monopolistic insurance rm of evaluating risk better than customers: the adverse selection hypothesis reversed, The Geneva Papers on Risk and Insurance Theory, vol.25, issue.1, p.6579, 2000.