{"id":1604,"date":"2024-02-10T17:21:53","date_gmt":"2024-02-10T17:21:53","guid":{"rendered":"https:\/\/reporterdafrique.info\/?p=1604"},"modified":"2024-03-04T17:24:46","modified_gmt":"2024-03-04T17:24:46","slug":"la-microfinance-sauve-les-togolais","status":"publish","type":"post","link":"https:\/\/reporterdafrique.info\/en\/la-microfinance-sauve-les-togolais\/","title":{"rendered":"La microfinance sauve les Togolais"},"content":{"rendered":"<p><strong><em>Elle s\u2019est rapidement r\u00e9v\u00e9l\u00e9e comme un v\u00e9ritable levier d\u2019action contre la pauvret\u00e9. Les institutions de microfinance offrent aux personnes exclues du syst\u00e8me financier classique ou formel, des facilitations pour acc\u00e9der aux cr\u00e9dits ainsi qu\u2019\u00e0 d\u2019autres services connexes dans le domaine financier.<\/em><\/strong><\/p>\n\n\n\n<p>La microfinance aide les habitants pauvres, surtout dans les pays en d\u00e9veloppement qui mettent des actions en \u0153uvre pour atteindre leur pleine croissance.&nbsp;<\/p>\n\n\n\n<p>De fa\u00e7on g\u00e9n\u00e9rale, la microfinance fait r\u00e9f\u00e9rence au micro-cr\u00e9dit. Un micro-cr\u00e9dit, comme le nom l&rsquo;indique, correspond \u00e0 un cr\u00e9dit d&rsquo;un faible montant destin\u00e9 avant tout \u00e0 des personnes \u00e0 faibles revenus, capable de les aider dans leurs activit\u00e9s qu\u2019ils peuvent faire fructifier.<\/p>\n\n\n\n<p><strong>La microfinance vit bien au Togo<\/strong><\/p>\n\n\n\n<p>Des cr\u00e9dits sont vitaux pour les entreprises dans chaque secteur. Que ce soit pour commencer une activit\u00e9 ou pour la renforcer, les dirigeants garantissent l\u2019acc\u00e8s des cr\u00e9dits \u00e0 la cible.<\/p>\n\n\n\n<p>En 2022 par exemple, le volume de cr\u00e9dits allou\u00e9s par les syst\u00e8mes financiers d\u00e9centralis\u00e9s (SFD) a progress\u00e9 de pr\u00e8s de 30 % au Togo. Il s\u2019est \u00e9tabli \u00e0 255 milliards de francs CFA, contre 196 milliards en 2021, selon l\u2019ex\u00e9cutif.<\/p>\n\n\n\n<p>Fin septembre 2022, le cumul des cr\u00e9dits octroy\u00e9s aux acteurs \u00e9conomiques par les institutions de microfinance \u00e9tait de 174 milliards, ce qui fait une hausse de 25 % en glissement annuel. De 2021 \u00e0 2022, le taux d\u2019inclusion financi\u00e8re est pass\u00e9 de 82,72 % \u00e0 85,72 %.<\/p>\n\n\n\n<p><strong>30 milliards pour la SOGEMEF seule<\/strong><\/p>\n\n\n\n<p>La Soci\u00e9t\u00e9 g\u00e9n\u00e9rale de micro &amp; m\u00e9so finance a \u00e9t\u00e9 cr\u00e9\u00e9e en mai 2014, avant d\u2019ouvrir ses portes au public en 2017. Sa principale mission est de contribuer \u00e0 am\u00e9liorer l\u2019acc\u00e8s des TPME, PME, TPMI et PMI togolaises au cr\u00e9dit, selon les besoins de la client\u00e8le.<\/p>\n\n\n\n<p>La SOGEMEF, en partenaire avec l\u2019ANPGF, le Mifa et le Faiej, revendique 30 milliards de francs accord\u00e9s aux clients de 2017 \u00e0 2023. Il y a deux ans, soit en 2021, elle a annonc\u00e9 avoir distribu\u00e9 un volume total de cr\u00e9dits de 15 milliards de francs. Aujourd\u2019hui, ce chiffre est doubl\u00e9.<\/p>\n\n\n\n<p>Les cr\u00e9dits sont all\u00e9s aux citoyens qui travaillent dans les secteurs de l\u2019agriculture, l\u2019\u00e9levage, l\u2019artisanat, le commerce, l\u2019h\u00f4tellerie, le tourisme et les b\u00e2timents et travaux publics. La structure estime que son portefeuille clients est rempli de plus de 17&nbsp;000 membres.<\/p>\n\n\n\n<p><strong><em>La R\u00e9daction<\/em><\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Elle s\u2019est rapidement r\u00e9v\u00e9l\u00e9e comme un v\u00e9ritable levier d\u2019action contre la pauvret\u00e9. Les institutions de microfinance offrent aux personnes exclues du syst\u00e8me financier classique ou formel, des facilitations pour acc\u00e9der aux cr\u00e9dits ainsi qu\u2019\u00e0 d\u2019autres services connexes dans le domaine financier. La microfinance aide les habitants pauvres, surtout dans les pays en d\u00e9veloppement qui mettent [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1605,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[50],"tags":[],"class_list":{"0":"post-1604","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-societe"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La microfinance sauve les Togolais - REPORTERDAFRIQUE<\/title>\n<meta name=\"description\" content=\"microfinance, togo\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/reporterdafrique.info\/en\/la-microfinance-sauve-les-togolais\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La microfinance sauve les Togolais - 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