{"id":30558,"date":"2026-05-19T08:31:00","date_gmt":"2026-05-19T08:31:00","guid":{"rendered":"https:\/\/macite.tg\/?p=30558"},"modified":"2026-05-18T19:41:17","modified_gmt":"2026-05-18T19:41:17","slug":"transformation-economique-linformel-savamment-structure-au-togo","status":"publish","type":"post","link":"https:\/\/macite.tg\/?p=30558","title":{"rendered":"TRANSFORMATION ECONOMIQUE: L’informel savamment structur\u00e9 au Togo"},"content":{"rendered":"\n

Une part importante de l’activit\u00e9 \u00e9conomique nationale repose sur des micro-activit\u00e9s, des artisans, des commer\u00e7ants ou des travailleurs ind\u00e9pendants de nos jours. Ces acteurs constituent la base du tissu \u00e9conomique. Plusieurs initiatives sont mises en place pour les int\u00e9grer progressivement dans un cadre plus structur\u00e9.<\/em><\/strong><\/p>\n\n\n\n

La structuration de l’\u00e9conomie informelle est n\u00e9cessaire pour plusieurs raisons. D’abord, elle permet de prot\u00e9ger les acteurs \u00e9conomiques, en leur donnant acc\u00e8s \u00e0 la s\u00e9curit\u00e9 sociale, au financement et \u00e0 des outils de gestion adapt\u00e9s.<\/p>\n\n\n\n

Ensuite, elle facilite leur int\u00e9gration dans le syst\u00e8me l\u00e9gal et fiscal, r\u00e9duisant les risques li\u00e9s \u00e0 l’activit\u00e9 non d\u00e9clar\u00e9e et cr\u00e9ant un cadre stable pour la croissance. Aussi, elle offre une visibilit\u00e9 sur l’activit\u00e9 \u00e9conomique r\u00e9elle du pays, ce qui permet \u00e0 l’\u00c9tat de mieux planifier les politiques publiques, d’am\u00e9liorer l’acc\u00e8s aux services et de stimuler l’investissement. Le point de d\u00e9part de cette structuration passe par la fiscalit\u00e9.<\/p>\n\n\n

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

Des r\u00e9formes fiscales qui posent les bases<\/strong><\/p>\n\n\n\n

La taxe professionnelle unique (TPU) simplifie l’enregistrement des micro-entreprises, longtemps rest\u00e9es invisibles au regard de l’administration fiscale. Parall\u00e8lement, la plateforme \u00e9lectronique \u00ab\u202fe-Imp\u00f4t\u202f\u00bb permet de d\u00e9clarer et de payer ses taxes en ligne, r\u00e9duisant les obstacles et incitant les petits op\u00e9rateurs \u00e0 se formaliser.<\/p>\n\n\n\n

Il est important de retenir que ces dispositifs ne se contentent pas de collecter des revenus pour l’\u00c9tat\u202f: ils instaurent un cadre l\u00e9gal clair, qui sert de fondation pour la formalisation et l’accompagnement des acteurs de l’informel.<\/p>\n\n\n\n

Cette volont\u00e9 de formalisation s’accompagne d’un assouplissement notable dans la cr\u00e9ation d’entreprises. Gr\u00e2ce \u00e0 la modernisation du Centre de formalit\u00e9s des entreprises (CFE) et aux r\u00e9formes du climat des affaires, 14.919 entreprises ont \u00e9t\u00e9 cr\u00e9\u00e9es en 2024. La dynamique s’est poursuivie en 2025 avec 14.202 nouvelles structures.<\/p>\n\n\n\n

Ces chiffres traduisent une progression constante depuis six (06) ans, avec plus de 10.000 nouvelles entreprises chaque ann\u00e9e, r\u00e9v\u00e9lant l\u2019engagement des autorit\u00e9s \u00e0 transformer l’\u00e9conomie informelle en un tissu entrepreneurial solide et formalis\u00e9.<\/p>\n\n\n\n

La microfinance, moteur de l’\u00e9conomie de proximit\u00e9<\/strong><\/p>\n\n\n\n

Pour accompagner cette dynamique, l’inclusion financi\u00e8re joue un r\u00f4le cl\u00e9. Les institutions de microfinance, par exemple, permettent aux micro-entrepreneurs d’acc\u00e9der \u00e0 des cr\u00e9dits, \u00e0 l’\u00e9pargne et \u00e0 des solutions de financement adapt\u00e9es \u00e0 leurs besoins.<\/p>\n\n\n\n

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

Au Togo, 4,69 millions de personnes b\u00e9n\u00e9ficient de services de microfinance, avec un encours de cr\u00e9dits total de 352,1 milliards de francs CFA, fin 2025.<\/p>\n\n\n\n

La transformation num\u00e9rique est \u00e9galement un levier puissant pour structurer l’\u00e9conomie informelle. Des programmes comme ProDigiT forment plus de 20.000 personnes, dont 7.200 femmes, \u00e0 des comp\u00e9tences num\u00e9riques et accompagnent la digitalisation de 250 petites entreprises. La Chambre de commerce et d’industrie du Togo (CCI-Togo) a, en parall\u00e8le, lanc\u00e9 en 2023 le projet Lon’K\u00e8l\u00e8w, visant \u00e0 renforcer les capacit\u00e9s digitales de 500 entreprises, en partenariat avec Expertise France et l’Agence fran\u00e7aise de d\u00e9veloppement.<\/p>\n\n\n\n

Cette transformation s’\u00e9tend m\u00eame \u00e0 l’administration publique. Le lancement d’un portail national des services publics en ligne permet aux citoyens et aux entreprises de suivre leurs d\u00e9marches et de r\u00e9gler leurs obligations sans se d\u00e9placer.<\/p>\n\n\n\n

L’AMU, un filet de s\u00e9curit\u00e9 pour l’informel<\/strong><\/p>\n\n\n\n

La protection sociale compl\u00e8te ce dispositif. L’extension de l’assurance maladie universelle (AMU) aux travailleurs non-salari\u00e9s constitue une avanc\u00e9e majeure. D\u00e9sormais, commer\u00e7ants, artisans, transporteurs et autres acteurs de l’informel peuvent acc\u00e9der \u00e0 une couverture sant\u00e9 adapt\u00e9e, avec des cotisations flexibles et la possibilit\u00e9 d’inclure jusqu’\u00e0 six (06) ayants droit. Gr\u00e2ce \u00e0 une plateforme num\u00e9rique, l’inscription est simplifi\u00e9e, s\u00e9curisant \u00e0 la fois les revenus et la sant\u00e9 des acteurs, et encourageant leur entr\u00e9e dans un cadre formel.<\/p>\n\n\n

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

Ainsi, l’\u00e9conomie informelle au Togo n’\u00e9volue plus en marge, mais progressivement sous un cadre structur\u00e9 et coordonn\u00e9. Fiscalit\u00e9 simplifi\u00e9e, formalisation des entreprises, microfinance, digitalisation et protection sociale se combinent pour offrir aux micro-entrepreneurs un environnement s\u00e9curis\u00e9, organis\u00e9 et performant.<\/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\n\n\n

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

Une part importante de l’activit\u00e9 \u00e9conomique nationale repose sur des micro-activit\u00e9s, des artisans, des commer\u00e7ants ou des travailleurs ind\u00e9pendants de nos jours. Ces acteurs constituent la base du tissu \u00e9conomique. Plusieurs initiatives sont mises en place pour les int\u00e9grer progressivement dans un cadre plus structur\u00e9. 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