{"id":3988,"date":"2025-12-22T16:25:54","date_gmt":"2025-12-22T16:25:54","guid":{"rendered":"https:\/\/reporterdafrique.info\/?p=3988"},"modified":"2025-12-22T16:25:56","modified_gmt":"2025-12-22T16:25:56","slug":"togo-du-credits-pour-aider-les-menages","status":"publish","type":"post","link":"https:\/\/reporterdafrique.info\/en\/togo-du-credits-pour-aider-les-menages\/","title":{"rendered":"Togo : du cr\u00e9dits pour aider les m\u00e9nages"},"content":{"rendered":"

L’ann\u00e9e 2025 s’ach\u00e8ve au Togo sous le signe de l’inclusion financi\u00e8re et du soutien tangible aux citoyens. Dans le sillage des ann\u00e9es ant\u00e9rieures, l’\u00c9tat et les institutions financi\u00e8res ont multipli\u00e9 les initiatives visant \u00e0 rendre le cr\u00e9dit plus accessible, afin de renforcer le pouvoir d’achat, stimuler l’entrepreneuriat et soutenir l’\u00e9conomie locale.<\/em><\/strong><\/p>\n\n\n\n

Dans chaque domaine, les populations b\u00e9n\u00e9ficient de facilit\u00e9s de financement in\u00e9dites. Les banques, en partenariat avec l’\u00c9tat, octroient des pr\u00eats aux m\u00e9nages pour la r\u00e9alisation de projets personnels et professionnels.<\/p>\n\n\n\n

Parall\u00e8lement, les microfinances intensifient leur action, offrant aux petits entrepreneurs et aux producteurs agricoles des cr\u00e9dits adapt\u00e9s \u00e0 leurs besoins sp\u00e9cifiques.<\/p>\n\n\n\n

Des offres disponibles<\/strong><\/p>\n\n\n\n

Selon le Conseil national du cr\u00e9dit (CNC), les banques ont accord\u00e9 aux populations 903 milliards de francs CFA au titre de nouveaux cr\u00e9dits \u00e0 fin septembre 2025. Ce volume repr\u00e9sente une hausse de 22 % en comparaison avec les cr\u00e9dits octroy\u00e9s sur la m\u00eame p\u00e9riode de l’ann\u00e9e pr\u00e9c\u00e9dente, qui s’\u00e9l\u00e8vent \u00e0 740 milliards de francs CFA.<\/p>\n\n\n\n

De l’analyse du minist\u00e8re des Finances et du Budget, les taux d\u00e9biteurs qui sont pratiqu\u00e9s par les banques togolaises sont relativement contenus. En septembre, ils \u00e9taient de 7,5 % en moyenne, un niveau proche de la moyenne observ\u00e9e dans la sous-r\u00e9gion.<\/p>\n\n\n\n

Le Fonds national de la finance inclusive (FNFI) est l’un des acteurs importants du paysage. Le nombre de b\u00e9n\u00e9ficiaires \u00e0 son actif \u00e0 la mi-d\u00e9cembre est de 1,9 million de personnes pour un cr\u00e9dit total de 117,15 milliards de francs CFA, avec un taux de remboursement de 94,82 %.<\/p>\n\n\n\n

Une dynamique qui soutient l’emploi et l’\u00e9conomie<\/strong><\/p>\n\n\n\n

En facilitant l’acc\u00e8s aux financements, le Togo encourage la cr\u00e9ation d’entreprises (11 099 entreprises cr\u00e9\u00e9es entre janvier et septembre 2025), favorise l’innovation et soutient l’emploi. Les jeunes et les femmes, particuli\u00e8rement cibl\u00e9s par ces appuis financiers, voient leurs projets transform\u00e9s en activit\u00e9s g\u00e9n\u00e9ratrices de revenus, consolidant leur autonomie \u00e9conomique et renfor\u00e7ant la r\u00e9silience des familles.<\/p>\n\n\n\n

Par ailleurs, le secteur informel, pilier de l’\u00e9conomie locale, b\u00e9n\u00e9ficie d’un appui sans pr\u00e9c\u00e9dent. Les artisans, commer\u00e7ants et acteurs des services peuvent acc\u00e9der \u00e0 des cr\u00e9dits formalis\u00e9s, leur offrant ainsi la possibilit\u00e9 de se d\u00e9velopper dans un cadre s\u00e9curis\u00e9 et de participer activement \u00e0 la croissance du pays.<\/p>\n\n\n\n

Alors que le pays est aux portes de 2026, les perspectives restent ambitieuses. Le Togo entend \u00e9tendre encore davantage l’acc\u00e8s au cr\u00e9dit, notamment pour les zones rurales et les populations vuln\u00e9rables, et consolider les m\u00e9canismes existants pour garantir un suivi efficace et une utilisation optimale des ressources.<\/p>","protected":false},"excerpt":{"rendered":"

L’ann\u00e9e 2025 s’ach\u00e8ve au Togo sous le signe de l’inclusion financi\u00e8re et du soutien tangible aux citoyens. Dans le sillage des ann\u00e9es ant\u00e9rieures, l’\u00c9tat et les institutions financi\u00e8res ont multipli\u00e9 les initiatives visant \u00e0 rendre le cr\u00e9dit plus accessible, afin de renforcer le pouvoir d’achat, stimuler l’entrepreneuriat et soutenir l’\u00e9conomie locale. Dans chaque domaine, les […]<\/p>\n","protected":false},"author":1,"featured_media":3989,"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-3988","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-societe"},"yoast_head":"\nTogo : du cr\u00e9dits pour aider les m\u00e9nages - REPORTERDAFRIQUE<\/title>\n<meta name=\"description\" content=\"cr\u00e9dit, jeunes, m\u00e9nages\" \/>\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\/togo-du-credits-pour-aider-les-menages\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Togo : du cr\u00e9dits pour aider les m\u00e9nages - 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