{"id":29143,"date":"2026-03-23T08:54:01","date_gmt":"2026-03-23T08:54:01","guid":{"rendered":"https:\/\/macite.tg\/?p=29143"},"modified":"2026-03-23T08:54:41","modified_gmt":"2026-03-23T08:54:41","slug":"togo-les-realisations-salvatrices-du-fonds-national-de-la-finance-inclusive-en-2025","status":"publish","type":"post","link":"https:\/\/macite.tg\/?p=29143","title":{"rendered":"TOGO\u00a0: Les r\u00e9alisations salvatrices du Fonds national de la finance inclusive en 2025"},"content":{"rendered":"\n

Le FNFI est plus que jamais devenu un transformateur de la soci\u00e9t\u00e9 et du niveau de vie des habitants. Pens\u00e9 pour d\u00e9mocratiser l’acc\u00e8s aux services financiers et briser le cercle vicieux de l’exclusion bancaire, le m\u00e9canisme confirme sa vocation premi\u00e8re : offrir aux couches les plus vuln\u00e9rables les moyens de leur autonomie.<\/em><\/strong><\/p>\n\n\n\n

Depuis sa cr\u00e9ation, le Fonds national de la finance inclusive a ouvert la voie \u00e0 des milliers de b\u00e9n\u00e9ficiaires longtemps tenus \u00e0 l’\u00e9cart des circuits classiques de cr\u00e9dit. En 2025, cette dynamique s’est consolid\u00e9e avec l’intensification des financements accord\u00e9s aux femmes, aux jeunes entrepreneurs, aux artisans et aux petits producteurs.<\/p>\n\n\n\n

Le cr\u00e9dit d\u00e9sormais comme un outil d’\u00e9mancipation<\/strong><\/p>\n\n\n\n

L’ann\u00e9e susmentionn\u00e9e a \u00e9t\u00e9 marqu\u00e9e par le renforcement des produits financiers adapt\u00e9s aux r\u00e9alit\u00e9s locales. Des lignes de cr\u00e9dit \u00e0 faibles taux d’int\u00e9r\u00eat, assorties de modalit\u00e9s de remboursement souples, ont permis \u00e0 de nombreux porteurs de projets de lancer ou d’\u00e9tendre leurs activit\u00e9s g\u00e9n\u00e9ratrices de revenus.<\/p>\n\n\n\n

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

Dans les march\u00e9s, les ateliers, les exploitations agricoles et les petites unit\u00e9s de transformation, les effets sont tangibles : augmentation du pouvoir d’achat, diversification des activit\u00e9s et cr\u00e9ation d’emplois capables de faire vivre les m\u00e9nages.<\/p>\n\n\n\n

Une attention particuli\u00e8re est accord\u00e9e \u00e0 l’inclusion des femmes. Majoritaires parmi les b\u00e9n\u00e9ficiaires, elles ont su transformer les financements re\u00e7us en v\u00e9ritables opportunit\u00e9s de croissance. Commerce de d\u00e9tail, transformation agroalimentaire, \u00e9levage, couture ou restauration : autant de secteurs o\u00f9 l’appui du FNFI a contribu\u00e9 \u00e0 renforcer la r\u00e9silience des m\u00e9nages et \u00e0 am\u00e9liorer les conditions de vie.<\/p>\n\n\n\n

Les jeunes ne sont pas en reste. En facilitant l’acc\u00e8s au capital de d\u00e9marrage, le Fonds national de la finance inclusive stimule l’esprit d’initiative et encourage l’auto-emploi. Plusieurs success stories \u00e9mergent d\u00e9j\u00e0, illustrant la capacit\u00e9 des b\u00e9n\u00e9ficiaires \u00e0 innover, \u00e0 structurer leurs activit\u00e9s et \u00e0 conqu\u00e9rir de nouveaux march\u00e9s.<\/p>\n\n\n\n

Bilan chiffr\u00e9<\/strong><\/p>\n\n\n\n

Ce bilan a \u00e9t\u00e9 pr\u00e9sent\u00e9 par le minist\u00e8re du D\u00e9veloppement \u00e0 la base et de l’\u00c9conomie sociale et solidaire. De 2014 \u00e0 2025, le FNFI a octroy\u00e9 plus de 1,94 million de cr\u00e9dits \u00e0 travers les syst\u00e8mes financiers d\u00e9centralis\u00e9s et les \u00e9tablissements bancaires.<\/p>\n\n\n\n

Ce niveau de cr\u00e9dits repr\u00e9sente un volume global de 117,7 milliards de francs CFA, avec un taux de remboursement de 94,98 %. Au-del\u00e0 du cr\u00e9dit, le FNFI a poursuivi en 2025 ses actions d’\u00e9ducation financi\u00e8re. Des sessions de formation ont \u00e9t\u00e9 organis\u00e9es pour outiller les b\u00e9n\u00e9ficiaires en gestion, en planification et en culture de remboursement.<\/p>\n\n\n

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

Cette approche int\u00e9gr\u00e9e, qui allie financement et accompagnement, explique en partie le taux de remboursement satisfaisant enregistr\u00e9 par le dispositif.<\/p>\n\n\n\n

L’impact du Fonds d\u00e9passe la seule dimension \u00e9conomique. En injectant des ressources dans les zones rurales et p\u00e9riurbaines, il participe \u00e0 la r\u00e9duction des in\u00e9galit\u00e9s territoriales. Il contribue \u00e9galement \u00e0 la formalisation progressive des activit\u00e9s g\u00e9n\u00e9ratrices de revenus, renfor\u00e7ant ainsi la base productive nationale.<\/p>\n\n\n\n

Le FNFI se trouve ainsi au carrefour de la solidarit\u00e9 nationale et de la responsabilit\u00e9 individuelle. Il incarne une finance \u00e0 visage humain, orient\u00e9e vers l’inclusion et la dignit\u00e9.<\/p>\n\n\n\n

La R\u00e9daction<\/strong><\/p>\n\n\n\n

@macite.tg        <\/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","protected":false},"excerpt":{"rendered":"

Le FNFI est plus que jamais devenu un transformateur de la soci\u00e9t\u00e9 et du niveau de vie des habitants. 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