{"id":2936,"date":"2025-03-16T15:52:38","date_gmt":"2025-03-16T15:52:38","guid":{"rendered":"https:\/\/reporterdafrique.info\/?p=2936"},"modified":"2025-04-01T15:57:23","modified_gmt":"2025-04-01T15:57:23","slug":"microfinance-augmentation-de-lencours-de-credits","status":"publish","type":"post","link":"https:\/\/reporterdafrique.info\/en\/microfinance-augmentation-de-lencours-de-credits\/","title":{"rendered":"Microfinance : augmentation de l’encours de cr\u00e9dits"},"content":{"rendered":"

L’encours de cr\u00e9dits accord\u00e9s par les institutions de microfinance au Togo conna\u00eet une croissance significative. Cette tendance t\u00e9moigne d’un acc\u00e8s accru aux services financiers pour les populations \u00e0 faible revenu et les entrepreneurs. Elle se dresse comme un moyen d’\u00e9vitement de la faillite et de cr\u00e9ation d’emplois.<\/em><\/strong><\/p>\n\n\n\n

L’encours de cr\u00e9dits d\u00e9signe le montant total des sommes emprunt\u00e9es \u00e0 un moment donn\u00e9 et qui restent encore \u00e0 rembourser. Au Togo, le constat est sans appel : il se fait voir une progression constante du financement de l’\u00e9conomie locale.<\/p>\n\n\n\n

Du cr\u00e9dit pour tout le monde<\/strong><\/p>\n\n\n\n

Selon les donn\u00e9es du minist\u00e8re de l’\u00c9conomie et des Finances, l’encours de cr\u00e9dits des institutions de microfinance togolaises enregistre une hausse notable, une \u00e9volution qui s’explique par une demande croissante de financement, notamment dans les secteurs de l’agriculture, du commerce et de l’artisanat.<\/p>\n\n\n\n

Les petites et moyennes entreprises (PME) et les entrepreneurs individuels, longtemps exclus des circuits bancaires classiques, trouvent dans la microfinance un levier pour d\u00e9velopper leurs activit\u00e9s, conform\u00e9ment \u00e0 la vision du pr\u00e9sident Faure Gnassingb\u00e9.<\/p>\n\n\n\n

Les r\u00e9formes entreprises par l’\u00c9tat togolais, \u00e0 travers la mise en place de dispositifs incitatifs comme le Fonds national de la finance inclusive (FNFI), ont \u00e9galement favoris\u00e9 cet essor. En facilitant l’acc\u00e8s aux cr\u00e9dits pour les couches vuln\u00e9rables, ces initiatives contribuent \u00e0 dynamiser l’\u00e9conomie locale et \u00e0 r\u00e9duire la pauvret\u00e9.<\/p>\n\n\n\n

Une augmentation de 10 %<\/strong><\/p>\n\n\n\n

L’encours de cr\u00e9dits a augment\u00e9 de pr\u00e8s de 10 % au troisi\u00e8me trimestre de l’ann\u00e9e 2024. \u00c0 fin septembre 2024, l’encours de cr\u00e9dits octroy\u00e9s par les institutions de microfinance a connu une hausse de 35,8 milliards de francs CFA. Il a donc atteint 395,6 milliards, selon la Bceao.<\/p>\n\n\n\n

Le rapport de la Banque centrale des \u00c9tats de l’Afrique de l’Ouest indique que le Togo enregistre alors la plus grande progression trimestrielle, devant la hausse trimestrielle du S\u00e9n\u00e9gal (+4,4 %), de la C\u00f4te d’Ivoire (+4,8 %), du Burkina (+3,1 %) et du B\u00e9nin (+2,5 %).<\/p>\n\n\n\n

L’examinatrice souligne que les cr\u00e9dits \u00e0 court terme font la majorit\u00e9 des pr\u00eats octroy\u00e9s, soit 50,4 % de l’encours total. C’est suivi par les cr\u00e9dits \u00e0 moyen terme (30,9 %) et les cr\u00e9dits \u00e0 long terme (18,7 %). Pour ce qui est des d\u00e9p\u00f4ts, l’encours a progress\u00e9 de 8,5 milliards de francs (+2,1 %), atteignant 415,3 milliards de francs CFA, une croissance sup\u00e9rieure l\u00e0 aussi \u00e0 celle du Burkina (+1,1 %) et du Mali (+3,3 %) par rapport au trimestre pr\u00e9c\u00e9dent.<\/p>\n\n\n\n

Le d\u00e9fi maintenant est d’arriver \u00e0 une meilleure inclusion financi\u00e8re et \u00e0 une gestion efficace du risque. C’est la raison pour laquelle le pays renforce la r\u00e9glementation en mati\u00e8re de microfinance. Des mesures sont prises pour encadrer l’octroi de cr\u00e9dits et am\u00e9liorer le suivi des b\u00e9n\u00e9ficiaires afin d’encourager une gestion responsable des emprunts.<\/p>\n\n\n\n

La R\u00e9daction<\/em><\/strong><\/p>","protected":false},"excerpt":{"rendered":"

L’encours de cr\u00e9dits accord\u00e9s par les institutions de microfinance au Togo conna\u00eet une croissance significative. Cette tendance t\u00e9moigne d’un acc\u00e8s accru aux services financiers pour les populations \u00e0 faible revenu et les entrepreneurs. Elle se dresse comme un moyen d’\u00e9vitement de la faillite et de cr\u00e9ation d’emplois. L’encours de cr\u00e9dits d\u00e9signe le montant total des sommes […]<\/p>\n","protected":false},"author":1,"featured_media":2937,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[46],"tags":[],"class_list":{"0":"post-2936","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economie"},"yoast_head":"\nMicrofinance : augmentation de l'encours de cr\u00e9dits - REPORTERDAFRIQUE<\/title>\n<meta name=\"description\" content=\"microfinance, cr\u00e9dit, encours\" \/>\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\/microfinance-augmentation-de-lencours-de-credits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Microfinance : augmentation de l'encours de cr\u00e9dits - 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