{"id":25173,"date":"2025-10-06T13:36:09","date_gmt":"2025-10-06T13:36:09","guid":{"rendered":"https:\/\/macite.tg\/?p=25173"},"modified":"2025-10-06T13:36:15","modified_gmt":"2025-10-06T13:36:15","slug":"togo-credit-agricole-ce-levier-de-prosperite-rurale","status":"publish","type":"post","link":"https:\/\/macite.tg\/?p=25173","title":{"rendered":"TOGO \/ CREDIT AGRICOLE\u00a0: Ce levier de prosp\u00e9rit\u00e9 rurale"},"content":{"rendered":"\n

Longtemps frein\u00e9s par le manque de moyens financiers, les agriculteurs togolais disposent d\u00e9sormais d’un outil d\u00e9cisif pour accro\u00eetre leur productivit\u00e9 et am\u00e9liorer leurs conditions de vie : le cr\u00e9dit agricole. Fruit d’une politique et d’un engagement croissant des pouvoirs publics en collaboration avec les institutions financi\u00e8res, ces cr\u00e9dits transforment le paysage rural en donnant aux producteurs les moyens d’investir, d’innover et de s\u00e9curiser leurs activit\u00e9s.<\/em><\/strong><\/p>\n\n\n\n

Dans un pays o\u00f9 l’agriculture occupe plus de 60 % de la population active, l’acc\u00e8s aux financements peut \u00eatre un facteur d\u00e9terminant de r\u00e9ussite. Les paysans, souvent consid\u00e9r\u00e9s comme \u00e0 haut risque par les banques, restaient en marge du syst\u00e8me classique de cr\u00e9dit.<\/p>\n\n\n

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\"\"<\/figure>\n<\/div>\n\n\n

Face \u00e0 cette r\u00e9alit\u00e9, l’\u00c9tat a mis en place des m\u00e9canismes adapt\u00e9s, capables d’offrir aux producteurs des pr\u00eats accessibles et remboursables selon le rythme des saisons agricoles.<\/p>\n\n\n\n

Des pr\u00eats qui changent la donne<\/strong><\/p>\n\n\n\n

Ces cr\u00e9dits permettent aux agriculteurs d’acqu\u00e9rir des semences am\u00e9lior\u00e9es, d’acheter des engrais, de recourir \u00e0 la m\u00e9canisation ou encore de financer l’irrigation. Ils leur offrent \u00e9galement la possibilit\u00e9 de stocker et de transformer une partie de leurs r\u00e9coltes, r\u00e9duisant ainsi les pertes post-r\u00e9coltes.<\/p>\n\n\n\n

Le minist\u00e8re des Affaires \u00e9trang\u00e8res fait savoir dans une tribune publi\u00e9e que tout au long de l’ann\u00e9e 2024, ce sont 2 462 995 hectares de superficies qui ont \u00e9t\u00e9 cultiv\u00e9es au Togo. C’est donc une augmentation de 12,21 % en la mati\u00e8re, par rapport \u00e0 la donn\u00e9e de 2020 qui est de l’ordre de 2.195.038 hectares cultiv\u00e9s.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Aussi, selon le bras gouvernemental susmentionn\u00e9, un montant de 9,8 milliards de francs CFA a \u00e9t\u00e9 accord\u00e9 pour le financement de 176.000 producteurs. Cela s’accompagne d’un autre dispositif tr\u00e8s actif en ce qui concerne l’allocation des cr\u00e9dits aux agriculteurs : Agrisef.<\/p>\n\n\n\n

Acc\u00e8s des agriculteurs aux services financiers (Agrisef) est un produit d\u00e9velopp\u00e9 par le Fonds national de la finance inclusive (FNFI). Les performances du Fonds au 12 septembre 2025 montrent que, dans le cadre de ce seul produit, 37,71 milliards de francs CFA ont \u00e9t\u00e9 allou\u00e9s aux agriculteurs depuis le d\u00e9but du lancement du projet \u00e0 la date du bilan.<\/p>\n\n\n\n

<\/a>Effet multiplicateur<\/strong><\/p>\n\n\n\n

Au-del\u00e0 des exploitations individuelles, les cr\u00e9dits agricoles acc\u00e9l\u00e8rent l’\u00e9conomie rurale. Ils stimulent les coop\u00e9ratives, encouragent la solidarit\u00e9 entre producteurs et favorisent la cr\u00e9ation de petites entreprises locales li\u00e9es \u00e0 la transformation et \u00e0 la commercialisation des produits.<\/p>\n\n\n\n

Les femmes et les hommes trouvent dans ces financements une porte d’entr\u00e9e vers l’autonomie \u00e9conomique et l’entrepreneuriat. L’octroi de ces cr\u00e9dits s’accompagne de formations, de suivis techniques et de conseils en gestion.<\/p>\n\n\n

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\"\"<\/figure>\n<\/div>\n\n\n

Cette approche int\u00e9gr\u00e9e vise \u00e0 assurer une utilisation optimale des fonds et \u00e0 inscrire l’agriculture dans une logique de durabilit\u00e9. Les perspectives sont d’autant plus prometteuses que l’\u00c9tat envisage de renforcer les partenariats avec les institutions bancaires et de diversifier les produits financiers adapt\u00e9s aux r\u00e9alit\u00e9s rurales.<\/p>\n\n\n\n

Samir B.<\/strong><\/p>\n\n\n\n

@macite.tg\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/em><\/strong><\/a><\/p>\n\n\n\n

E-mail : <\/em><\/strong>maciteinfo@gmail.com<\/em><\/strong><\/a>; <\/em><\/strong>bawela1@gmail.com<\/em><\/strong><\/a><\/em><\/strong><\/p>\n\n\n\n

Pour vos annonces, (publi)reportages, etc., joignez-nous au (00228)91515309\/79872224 <\/strong><\/strong><\/em><\/strong><\/p>\n\n\n\n

www.macite.tg, L\u2019information, la bonne !<\/em><\/strong><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Longtemps frein\u00e9s par le manque de moyens financiers, les agriculteurs togolais disposent d\u00e9sormais d’un outil d\u00e9cisif pour accro\u00eetre leur productivit\u00e9 et am\u00e9liorer leurs conditions de vie : le cr\u00e9dit agricole. Fruit d’une politique et d’un engagement croissant des pouvoirs publics en collaboration avec les institutions […]<\/p>\n","protected":false},"author":2,"featured_media":25175,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20,22],"tags":[],"class_list":["post-25173","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite","category-agriculture"],"yoast_head":"\nTOGO \/ CREDIT AGRICOLE\u00a0: Ce levier de prosp\u00e9rit\u00e9 rurale -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/macite.tg\/?p=25173\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TOGO \/ CREDIT AGRICOLE\u00a0: Ce levier de prosp\u00e9rit\u00e9 rurale -\" \/>\n<meta property=\"og:description\" content=\"Longtemps frein\u00e9s par le manque de moyens financiers, les agriculteurs togolais disposent d\u00e9sormais d’un outil d\u00e9cisif pour accro\u00eetre leur productivit\u00e9 et am\u00e9liorer leurs conditions de vie : le cr\u00e9dit agricole. 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