{"id":29245,"date":"2026-03-25T13:18:30","date_gmt":"2026-03-25T13:18:30","guid":{"rendered":"https:\/\/macite.tg\/?p=29245"},"modified":"2026-03-25T13:18:34","modified_gmt":"2026-03-25T13:18:34","slug":"services-financiers-decentralises-47-millions-de-togolais-beneficiaires","status":"publish","type":"post","link":"https:\/\/macite.tg\/?p=29245","title":{"rendered":"SERVICES FINANCIERS DECENTRALISES\u00a0: 4,7 millions de Togolais b\u00e9n\u00e9ficiaires"},"content":{"rendered":"\n

Les services financiers d\u00e9centralis\u00e9s font l’inclusion financi\u00e8re. Pr\u00e9c\u00e9demment exclues du syst\u00e8me bancaire classique, de nombreuses couches de la population trouvent d\u00e9sormais dans la microfinance leur salut. Elles acc\u00e8dent au cr\u00e9dit, s\u00e9curisent leur \u00e9pargne et d\u00e9veloppent des activit\u00e9s g\u00e9n\u00e9ratrices de revenus.<\/em><\/strong><\/p>\n\n\n\n

Dans les villes comme dans les zones rurales, les institutions de microfinance s’imposent comme des partenaires \u00e9conomiques de proximit\u00e9. Leur pr\u00e9sence au plus pr\u00e8s des populations r\u00e9duit les in\u00e9galit\u00e9s d’acc\u00e8s aux services financiers et dynamise l’\u00e9conomie locale.<\/p>\n\n\n\n

Un acc\u00e8s \u00e9largi aux services financiers<\/strong><\/p>\n\n\n\n

Les services financiers d\u00e9centralis\u00e9s reposent sur un principe fondamental : rapprocher les outils financiers des populations qui en sont traditionnellement \u00e9loign\u00e9es. Contrairement aux banques classiques, souvent concentr\u00e9es dans les centres urbains et exigeant des garanties \u00e9lev\u00e9es, les institutions de microfinance proposent des m\u00e9canismes plus souples et mieux adapt\u00e9s aux r\u00e9alit\u00e9s des petits entrepreneurs.<\/p>\n\n\n

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

Cette approche permet \u00e0 une vari\u00e9t\u00e9 de personnes (commer\u00e7ants, artisans, agriculteurs, travailleurs du secteur informel, etc.) de b\u00e9n\u00e9ficier de financements adapt\u00e9s \u00e0 leurs besoins. Les cr\u00e9dits accord\u00e9s servent notamment \u00e0 lancer ou \u00e0 renforcer des activit\u00e9s \u00e9conomiques, \u00e0 financer l\u2019achat d\u2019\u00e9quipements ou encore \u00e0 constituer des stocks de marchandises.<\/p>\n\n\n\n

L\u2019\u00e9pargne constitue \u00e9galement un volet essentiel de ces services. En offrant aux populations des solutions s\u00e9curis\u00e9es pour conserver leurs ressources financi\u00e8res, les institutions de microfinance contribuent \u00e0 instaurer une culture de gestion financi\u00e8re plus structur\u00e9e.<\/p>\n\n\n\n

Des millions d\u2019heureux<\/strong><\/p>\n\n\n\n

\u00c0 fin d\u00e9cembre 2025, le secteur de la microfinance comptait plus de 4,69 millions de b\u00e9n\u00e9ficiaires. L’encours des d\u00e9p\u00f4ts (stock total d’argent d\u00e9pos\u00e9 par les clients, particuliers ou entreprises dans les banques \u00e0 une date donn\u00e9e) collect\u00e9s par les institutions de microfinance s’\u00e9l\u00e8ve \u00e0 447,5 milliards de francs CFA \u00e0 la m\u00eame p\u00e9riode.<\/p>\n\n\n\n

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

S’agissant de l’encours des cr\u00e9dits (montant total des fonds emprunt\u00e9s restant \u00e0 rembourser aux institutions de microfinance \u00e0 un moment donn\u00e9), a diminu\u00e9, se fixant \u00e0 352,1 milliards de francs CFA, ce qui montre que les demandeurs de cr\u00e9dits arrivent \u00e0 les rembourser.<\/p>\n\n\n\n

Le minist\u00e8re des Finances et du Budget indique que le total des actifs du secteur d\u00e9passe 578 milliards de francs. Pour se rendre compte de l’embellie dans le secteur, une comparaison s’impose. \u00c0 fin 2024, le nombre de b\u00e9n\u00e9ficiaires d\u00e9passait 4,45 millions. Il est mont\u00e9 \u00e0 4,7 millions \u00e0 fin 2025. L’encours de d\u00e9p\u00f4ts \u00e9tait sup\u00e9rieur \u00e0 401 milliards de francs CFA et celui des cr\u00e9dits avait atteint pr\u00e8s de 359 milliards de francs. Les diff\u00e9rences sont nettes.<\/p>\n\n\n\n

Plus de 140 structures<\/strong><\/p>\n\n\n\n

Elles sont r\u00e9parties sur le territoire, devenant des lieux o\u00f9 se rendent r\u00e9guli\u00e8rement les Togolais qui \u00e9prouvent le besoin de se faire pousser en avant par des cr\u00e9dits \u00e0 taux d’int\u00e9r\u00eat jouable et sans aucune condition beaucoup plus contraignante.<\/p>\n\n\n

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

M\u00e9nages, artisans, micro-entrepreneurs, jeunes, femmes, personnes vuln\u00e9rables, etc. tout le monde se frottent les mains avec ces plus de 140 structures qui sont recens\u00e9es sur le territoire, dont 63 institutions regroup\u00e9es au sein de l’Association professionnelle des syst\u00e8mes financiers d\u00e9centralis\u00e9s (APSFD).<\/p>\n\n\n\n

Y a-t-il encore un doute que la microfinance au Togo est devenue un outil de transformation \u00e9conomique et sociale ? La r\u00e9ponse se trouve en m\u00eame temps dans la question.<\/p>\n\n\n\n

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

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

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

Les services financiers d\u00e9centralis\u00e9s font l’inclusion financi\u00e8re. Pr\u00e9c\u00e9demment exclues du syst\u00e8me bancaire classique, de nombreuses couches de la population trouvent d\u00e9sormais dans la microfinance leur salut. Elles acc\u00e8dent au cr\u00e9dit, s\u00e9curisent leur \u00e9pargne et d\u00e9veloppent des activit\u00e9s g\u00e9n\u00e9ratrices de revenus. Dans les villes comme dans […]<\/p>\n","protected":false},"author":2,"featured_media":29246,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20,42],"tags":[],"class_list":["post-29245","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite","category-finances"],"yoast_head":"\nSERVICES FINANCIERS DECENTRALISES\u00a0: 4,7 millions de Togolais b\u00e9n\u00e9ficiaires -<\/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=29245\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SERVICES FINANCIERS DECENTRALISES\u00a0: 4,7 millions de Togolais b\u00e9n\u00e9ficiaires -\" \/>\n<meta property=\"og:description\" content=\"Les services financiers d\u00e9centralis\u00e9s font l’inclusion financi\u00e8re. 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