{"id":73963,"date":"2025-09-24T20:14:19","date_gmt":"2025-09-24T18:14:19","guid":{"rendered":"https:\/\/lepotentiel.bj\/?p=73963"},"modified":"2025-09-24T20:14:20","modified_gmt":"2025-09-24T18:14:20","slug":"microcredit-alafia-le-gouvernement-lance-la-phase-3-avec-des-prets-jusqua-200-000-fcfa","status":"publish","type":"post","link":"https:\/\/lepotentiel.bj\/?p=73963","title":{"rendered":"Microcr\u00e9dit Alafia : le gouvernement lance la phase 3 avec des pr\u00eats jusqu\u2019\u00e0 200.000 FCFA"},"content":{"rendered":"\n<p><strong><em>Le gouvernement b\u00e9ninois a officiellement lanc\u00e9 la troisi\u00e8me phase du programme Microcr\u00e9dit Alafia, \u00e9largissant les possibilit\u00e9s d\u2019acc\u00e8s au financement pour les populations \u00e0 revenus modestes. \u00c0 compter de cette phase, les b\u00e9n\u00e9ficiaires pourront obtenir des pr\u00eats allant jusqu\u2019\u00e0 200.000 FCFA, remboursables sur 12 mois, avec un taux d\u2019int\u00e9r\u00eat plafonn\u00e9 \u00e0 8% l\u2019an (4% pour 6 mois). La d\u00e9cision est issue du conseil des ministres de mercredi 24 septembre 2025.<\/em><\/strong><\/p>\n\n\n\n<p>Selon le rapport d\u2019ex\u00e9cution pr\u00e9sent\u00e9 au 31 ao\u00fbt 2025, les deux premi\u00e8res phases du dispositif ont permis de d\u00e9caisser un montant total de 47,42 milliards de FCFA. Ces cr\u00e9dits, variant entre 30.000 et 100.000 FCFA, ont suscit\u00e9 un fort engouement des populations, confirmant l\u2019impact du programme dans la lutte contre la pr\u00e9carit\u00e9 et l\u2019exclusion financi\u00e8re.<\/p>\n\n\n\n<p>Pour cette nouvelle \u00e9tape, le gouvernement a pris en compte les dol\u00e9ances exprim\u00e9es par les b\u00e9n\u00e9ficiaires et les r\u00e9alit\u00e9s du march\u00e9. Outre l\u2019augmentation du montant des pr\u00eats, le dispositif b\u00e9n\u00e9ficie d\u2019une am\u00e9lioration notable : la prime d\u2019assurance appliqu\u00e9e \u00e0 chaque cr\u00e9dit, initialement fix\u00e9e \u00e0 1,2%, est d\u00e9sormais r\u00e9duite \u00e0 0,35%, et ce pour toutes les phases du programme.<\/p>\n\n\n\n<p>Afin de toucher un plus grand nombre de demandeurs, l\u2019ex\u00e9cutif a d\u00e9cid\u00e9 de renforcer le maillage du programme en int\u00e9grant six nouveaux Syst\u00e8mes financiers d\u00e9centralis\u00e9s (SFD). Ces derniers viendront s\u2019ajouter aux 14 d\u00e9j\u00e0 existants, portant ainsi le nombre total de partenaires \u00e0 20 institutions, ce qui devrait acc\u00e9l\u00e9rer la distribution et la proximit\u00e9 du service.<\/p>\n\n\n\n<p>Le Microcr\u00e9dit Alafia est un d\u2019outil phare d\u2019inclusion \u00e9conomique et sociale au B\u00e9nin. Il facilite l\u2019acc\u00e8s \u00e0 des financements plus cons\u00e9quents et \u00e0 des conditions plus avantageuses.<\/p>\n\n\n\n<p><strong>M\u00e9dard Clobechi<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le gouvernement b\u00e9ninois a officiellement lanc\u00e9 la troisi\u00e8me phase du programme Microcr\u00e9dit Alafia, \u00e9largissant les possibilit\u00e9s d\u2019acc\u00e8s au financement pour les populations \u00e0 revenus modestes. \u00c0 compter de cette phase, les b\u00e9n\u00e9ficiaires pourront obtenir des pr\u00eats allant jusqu\u2019\u00e0 200.000 FCFA, remboursables sur 12 mois, avec un taux d\u2019int\u00e9r\u00eat plafonn\u00e9 \u00e0 8% l\u2019an (4% pour 6 [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":66023,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[],"class_list":["post-73963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - 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