Ruth Tacneng is an Associate Professor in Economics at the Faculty of Law and Economics at the University of Limoges, and member of the LAPE research center. Her research interests include fintech, inclusive growth through microfinance and SME access to finance, bank finance, and institutional quality. Her research has been published in the World Development, Journal of International Financial Markets, Institutions and Money, Review of Behavioral Economics and Managerial Finance. She has been actively involved in capacity building and research projects funded by the EU, the French National Research Agency, Hubert Curien Partnerships (PHC), and International Centre for Tax and Development (ICTD).



  • “Gender priming in solidarity games: the Philippine context”, with K. Puzon, Review of Behavioral Economics, 8(2), 193-211, 2021.
  • “Can informal firms hurt registered SMEs’ access to credit,” with I. Distinguin & C. Rugemintwari, World Development, 84, pp. 18-40. August 2016. Corrigendum to “Can informal firms hurt registered SMEs’ access to credit,” World Development, 88, p. 201. December 2016.
  • “Assessing Mandated Credit Programs: Case Study of the Magna Carta in the Philippines”, with N. Khor & R. Jacildo, Journal of Governance and Regulation, Vol. 5, Issue 3, Summer 2016.  – Also in Asian Growth Institute Working Paper Series, WPS, Vol. 2016-9. April 2016, and Asian Development Working Paper Series No. 463, November 2015.
  • “The impact of minority foreign ownership and controlling shareholder on bank risk and performance in an emerging economy,” Managerial Finance, Vol. 41, Issue : 5, 2015. 2015.
  • “Is bank income diversification beneficial ? Evidence from an emerging economy,” with C. Meslier and A. Tarazi, Journal of International Financial Markets, Institutions and Money, 31 (C), July 2014, pp. 97-126 . 2014.
  • “The impact of governance and institutional quality on MFI outreach and financial performance in Sub-Saharan Africa,” with T. Barry, World Development, 58 (C), June 2014, pp. 1-20. 2014.
  • “Assessing Mandated Credit Programs : Case Study of the Magna Carta in the Philippines,” with N. Khor & R. Jacildo,Journal of Governance and Regulation, Volume 5, Issue 3, Summer 2016 (Also published in Asian Development Bank Economics Working Paper Series No. 463 2015. Asian Growth Institute Working Paper Series, WPS, Vol. 2016-9, April 2016. )
  • Trust in banks and borrower discouragement, with A. Ogcem and A. Tarazi, 2023.
  • What drives bank-fintech alliances? with P.N. Rehault and A. Tarazi. 2022.
  • Trust and financial development: the forms of trust and ethnic fractionalization matter, with A. Ogcem and A. Tarazi. Available at SSRN:, 2022.
  • Adoption of fintech services: role of saving and borrowing mechanisms, with B. Naysary and A. Tarazi. Available at SSRN:, 2022.
  • Social antagonism, identity-driven beliefs, and loss avoidance: Evidence from Guinea, with K.Puzon and T. Barry. 2022. Under Revision.
  • Big data analytics application in multi-criteria decision making: the case of e-wallet adoption, with B. Naysary, M. Malekzadeh and A. Tarazi. Under Revision, 2022.
  • Crowding out effects of financial knowledge and attitude on risk preferences, with K. Puzon and T. Barry. WIDER Working Paper 58/2021, UNU-WIDER,
  • Impact of consumer protection policies on MFI loan portfolio quality and outreach.
  • Co-coordinator Master+ in Banking and Finance
  • LAPE Internship Mentor (2023, 2021, 2020)
  • Organizer/Co-organizer: 2022 LAPE Research Training Program; 2021 AAP/ANR CaLiBank Workshop; 2021 ANR CaLiBank Project Workshop; 2021 OPTBANK Final Conference (Dissemination Session) & Final Evaluation Meeting; 2019 OPTBANK Midterm Evaluation Meeting; 2018 & 2019 LAPE OPTBANK Research Training Program, 2019 LAPE OPTBANK Summer School, 2018 OPTBANK Kick-off Meeting.

Journal of Economic Behavior & Organization, Journal of Financial Stability, Small Business Economics, Journal of Banking & Finance, Journal of International Financial Markets, Institutions & Money, International Economics, Corporate Governance: An International Review, Economic Modelling, European Journal of Finance, Economics Bulletin, Economic Systems, Managerial Finance, International Review of Economics and Finance, Applied Economics, Global Finance Journal, Emerging Markets Finance and Trade, Financial Innovation, Development Policy Review, Ecosystems & Development Journal, Applied Economics.

  • Econometrics (Licence 3 Economics and Math and Information Technology Applied in Social Sciences, undergraduate)- Semester 1 and 2 (2016 up to present), FDSE.
  • Econometrics (Master 1 Economics) – Semester 1 and 2 (2016 up to present), FDSE.
  • Empirical Approach to Policy Evaluation (Master + in Banking and Finance)- Semester 1 (2016 up to present), FDSE.
  • Economics of Banking (Master 1 Economics) – Semester 2 (2019 up to present), FDSE.
  • Introduction to Stata and Introduction to Stata Programming (Master + in Banking and Finance, Research Training Program)- Semester 1 (2016 up to present), FDSE.
  • Financial Mathematics (Licence Pro – Assurance, Banque, Finance Chargé de Clientèle) – 2020 up to present, IUT-GEA Limoges.
  • Research Mission. Universitas Sebelas Maret (UNS) & UNS Fintech Center (PHC Nusantara), Surakarta (Solo), Indonesia, October-November 2022.
  • Research Mission. Monash University, School of Business, Selangor, Malaysia, July-August 2022.
  • Research Mission. International Islamic University of Malaysia & INTI College, Kuala Lumpur, Malaysia (PHC Hibiscus), November 2019.
  • Research Mission. OPTBANK Workshop on Introduction of PhD Modules and Midterm Evaluation Meeting, Surakarta (Solo), Indonesia, September 2019.
  • Visiting Research Scholar. Institute for Social and Economic Research, Osaka University, Japan. February 2018.
  • Research Mission. University of Simbaya, Conakry, Guinea, July 2018.
  • EnvBlis: Environmental Challenges and Bank Lending. Project Lead Investigator. AAP Exploratoire 2023-2024. Funded by Université de Limoges.
  • The impact of taxation on mobile money agents: a case study on Cameroon. Digitax Project. Project Lead Investigator. Funded by the International Centre for Tax and Development (ICTD). 2022-2023.
  • Implications of climate change transition risk for the banking industry, MyTiger2023, Malaysia-France Cooperation: My TIGER 2023. Principal Investigators: Amine Tarazi and Babak Naysary (Monash University, Malaysia). 2023-2024.
  • CaLiBank: L’industrie bancaire de l’après crise: comment les banques vont-elles réagir aux contraites réglementaires plus strictes? (CaLiBank: The Post-Crisis Banking Industry: How will banks respond to tighter regulatory constraints? ANR AAPG 2019 : PRC, CES Innovation, Travail. Coordinated by Prof. Amine Tarazi. 2019-2023.
  • The Implications of Fintech development on the financial industry in France and Malaysia: a game theory approach. PHC (Partenariats Hubert Curien) Hibiscus Malaisie. Funded by the Ministère de l’Europe et des Affaires étrangères, France. Coordinated by Prof. Amine Tarazi. July 2019-September 2022.
  • Ethnic diversity and inter-temporal conflict. Co-investigator. Funded by the Joint Research Center in Behavioral Economics Grant. Institute of Social and Economic Research, Osaka University, Japan. Principal Investigator: Klarizze Puzon. April 2018-March 2019.
  • OPTimizing Research & Doctoral Programs in BANKing and Finance in Indonesian Universities (OPTBANK), Capacity Building in Higher Education (CBHE) Project 586032-EPP-1-2017-1-FR-EPPKA2-CBHE-JP. Funded by Erasmus + Higher Education – International Capacity Building, European Commission. Coordinated by Prof. Amine Tarazi. October 15, 2017 – October 14, 2021.
  • Stabilité Financière et Performance Macroéconomique. Funded by AAP Nouvelle Aquitaine. Coordinated by Prof. Amine Tarazi.


Association Nationale de la Recherche et de la Technologie (A.N.R.T). PhD/Thesis proposals funded by CIFRE (Conventions Industrielles de Formation par la REcherche), 2018.

PhD Supervision

  • Ali Recai Ogcem (Regional Differences in the Effect of Trust on Financial Development), co-supervision with Prof. A. Tarazi, from 2017. Defended: 2 June 2022
  • Dewanti Cahyaningsih (Peer-to-Peer (P2P) lending in emerging economies), co-supervision with Prof. A. Tarazi, from 2019.

Master’s Thesis Supervision

  • Alicia Males-Soustre (Fintech Regulations, Innovation Facilitators and Fintech Credit), 2023.
  • Nourhan Hassoun (Fintech Credit and Traditional Bank Credit: Complements or Substitutes?), 2022.
  • Mehrafarin Shetabi (Evolutionary-based Ensemble Feature Selection Technique for Early Credit Risk Warning System in P2P Lending), 2020.
  • Dewanti Cahyaningsih (What determines lender confidence in Peer-to-Peer (P2P) lending market? Evidence from Indonesia), 2019.
  • Nouha Chehaider (How does financial innovation impact bank performance during the US and the European crisis?), 2018.
  • Andre Novado (Bank capital ratios and lending: does the quality of institutions matter?), 2017.