{"id":62622,"date":"2024-11-24T19:15:42","date_gmt":"2024-11-24T18:15:42","guid":{"rendered":"https:\/\/lepotentiel.bj\/?p=62622"},"modified":"2024-11-24T19:15:43","modified_gmt":"2024-11-24T18:15:43","slug":"departement-du-couffo-un-chef-tontinier-disparait-120-membres-en-detresse","status":"publish","type":"post","link":"https:\/\/lepotentiel.bj\/?p=62622","title":{"rendered":"D\u00e9partement du Couffo : un chef tontinier dispara\u00eet, 120 membres en d\u00e9tresse"},"content":{"rendered":"\n<p><strong><em>\u00c0 Dogbo, dans le d\u00e9partement du Couffo, une tontine d\u2019entraide, initi\u00e9e il y a deux ans pour financer de petits projets, s\u2019est transform\u00e9e en cauchemar pour ses membres. Le chef tontinier, responsable de la gestion des fonds, a disparu depuis septembre 2024, laissant 14 membres sans leurs \u00e9pargnes et plongeant toute la communaut\u00e9 dans la d\u00e9solation.<\/em><\/strong><\/p>\n\n\n\n<p>Cette tontine r\u00e9unissait 120 participants qui c\u00f4tisaient 3 000 F CFA tous les quatre jours informe L&rsquo;investigateur. \u00c0 la fin de chaque cycle, les membres recevaient 352 000 F CFA, apr\u00e8s d\u00e9duction des frais de gestion de 8 000 F CFA. Le syst\u00e8me, con\u00e7u pour s\u2019achever en ao\u00fbt 2024, semblait fiable. Cependant, les promesses se sont \u00e9vapor\u00e9es lorsque le responsable principal a cess\u00e9 de donner signe de vie, emportant avec lui les espoirs de nombreux membres.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Un impact lourd pour les victimes<\/strong><\/h2>\n\n\n\n<p>Sur les 120 participants, 14 n\u2019ont jamais re\u00e7u leur part, et plusieurs autres n\u2019ont per\u00e7u qu\u2019une portion des fonds promis. Pour ces derniers, les \u00e9pargnes devaient servir \u00e0 financer des projets ou \u00e0 pr\u00e9parer les f\u00eates de fin d\u2019ann\u00e9e. D\u00e9sormais, ils se retrouvent sans ressources, dans une situation \u00e9conomique d\u00e9j\u00e0 pr\u00e9caire.<\/p>\n\n\n\n<p>Au B\u00e9nin, les tontines, aussi appel\u00e9es <em>adogb\u00e8<\/em>, sont per\u00e7ues comme une solution de survie \u00e9conomique, particuli\u00e8rement dans les zones rurales. Elles permettent \u00e0 des familles d\u00e9munies de regrouper des fonds pour des besoins urgents ou des projets.<\/p>\n\n\n\n<p>Malgr\u00e9 l\u2019arr\u00eat\u00e9 interminist\u00e9riel n\u00b0538 du 4 mars 2022, qui interdit les collectes ill\u00e9gales d\u2019\u00e9pargne, ces pratiques persistent dans les zones recul\u00e9es, o\u00f9 les alternatives financi\u00e8res s\u00e9curis\u00e9es font d\u00e9faut. Les populations, priv\u00e9es d\u2019acc\u00e8s aux services bancaires classiques, continuent de se tourner vers ces syst\u00e8mes informels, au p\u00e9ril de leurs \u00e9conomies.<\/p>\n\n\n\n<p>Cette situation dramatique \u00e0 Dogbo illustre la n\u00e9cessit\u00e9 d&rsquo;une meilleure r\u00e9gulation et d&rsquo;alternatives accessibles pour les populations vuln\u00e9rables. La mise en place de solutions financi\u00e8res adapt\u00e9es, combin\u00e9e \u00e0 une sensibilisation accrue, pourrait limiter ces drames financiers r\u00e9currents.<\/p>\n\n\n\n<p><strong>M\u00e9dard CLOBECHI<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u00e9partement du Couffo : un chef tontinier dispara\u00eet, 120 membres en d\u00e9tresse<\/p>\n","protected":false},"author":4,"featured_media":62623,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[15320,912,19322],"class_list":["post-62622","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite","tag-benin-2","tag-dogbo","tag-tontine"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00e9partement du Couffo : un chef tontinier dispara\u00eet, 120 membres en d\u00e9tresse - Le Potentiel<\/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:\/\/lepotentiel.bj\/?p=62622\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00e9partement du Couffo : un chef tontinier dispara\u00eet, 120 membres en d\u00e9tresse - 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