{"id":11501,"date":"2025-08-06T12:44:00","date_gmt":"2025-08-06T11:44:00","guid":{"rendered":"https:\/\/lamarinabj.com\/?p=11501"},"modified":"2025-08-06T08:13:08","modified_gmt":"2025-08-06T07:13:08","slug":"microfinance-au-benin-lepargne-explose-les-credits-seffondrent","status":"publish","type":"post","link":"https:\/\/lamarinabj.com\/index.php\/2025\/08\/06\/microfinance-au-benin-lepargne-explose-les-credits-seffondrent\/","title":{"rendered":"Microfinance au B\u00e9nin : l\u2019\u00e9pargne explose, les cr\u00e9dits s\u2019effondrent"},"content":{"rendered":"\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Microfinance, La Marina BJ<\/mark><\/strong> &#8211;<strong><em>Alors que le secteur de la microfinance continue d\u2019\u00e9largir sa base client\u00e8le dans l\u2019espace UMOA, les derniers chiffres arr\u00eat\u00e9s \u00e0 fin mars 2025 mettent en lumi\u00e8re une dynamique contrast\u00e9e. Dans un contexte r\u00e9gional tendu, le B\u00e9nin s\u2019illustre par une collecte record de d\u00e9p\u00f4ts, tout en affichant la plus forte contraction de cr\u00e9dits de toute l\u2019Union. Une double dynamique r\u00e9v\u00e9latrice des mutations \u2013 et des fragilit\u00e9s \u2013 d\u2019un mod\u00e8le en qu\u00eate d\u2019\u00e9quilibre.<\/em><\/strong><\/p>\n\n\n\n<p>Paradoxale, la performance du secteur b\u00e9ninois de la microfinance au premier trimestre 2025 l\u2019est \u00e0 plus d\u2019un titre. Alors que le pays signe la plus forte progression en pourcentage des d\u00e9p\u00f4ts collect\u00e9s dans l\u2019Union \u00e9conomique et mon\u00e9taire ouest-africaine (UMOA), il enregistre \u00e9galement le recul le plus brutal de l\u2019encours des cr\u00e9dits.<\/p>\n\n\n\n<p>Selon les donn\u00e9es officielles publi\u00e9es par la Banque centrale des \u00c9tats de l\u2019Afrique de l\u2019Ouest (BCEAO), les institutions de microfinance op\u00e9rant au B\u00e9nin ont collect\u00e9 15,2 milliards de F CFA de d\u00e9p\u00f4ts suppl\u00e9mentaires sur les trois premiers mois de l\u2019ann\u00e9e, soit une hausse remarquable de 7,7 %. Une performance salutaire, au regard d\u2019une moyenne r\u00e9gionale de 4,1 % (soit 102 milliards), tir\u00e9e \u00e9galement par la C\u00f4te d\u2019Ivoire (+4,0 %), le Burkina Faso (+5,2 %) et le Togo (+5,5 %).<\/p>\n\n\n\n<h2 id=\"confiance-renforcee-mais-prudence-des-guichets\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Confiance renforc\u00e9e, mais prudence des guichets<\/mark><\/h2>\n\n\n\n<p>Cette embellie traduit une mont\u00e9e en puissance de la confiance des usagers, particuliers comme groupements, dans le syst\u00e8me financier d\u00e9centralis\u00e9 b\u00e9ninois. Elle refl\u00e8te aussi les efforts continus du gouvernement et des acteurs du secteur pour promouvoir l\u2019inclusion financi\u00e8re dans un pays o\u00f9 pr\u00e8s de 70 % de la population reste en dehors du circuit bancaire classique.<\/p>\n\n\n\n<p>Mais ce tableau en demi-teinte se fissure lorsqu\u2019on observe la dynamique du cr\u00e9dit. Avec une chute de 38,4 milliards de F CFA (-14 %), le B\u00e9nin affiche le repli le plus s\u00e9v\u00e8re de l\u2019Union. Loin devant le Togo (-5,2 %), le Mali (-3,2 %) ou la C\u00f4te d\u2019Ivoire (-1,7 %). En cause, selon notre sp\u00e9cialiste \u00e0 la r\u00e9daction \u00ab la saisonnalit\u00e9 des besoins en financement, un ph\u00e9nom\u00e8ne r\u00e9current en d\u00e9but d\u2019ann\u00e9e, mais aussi une forme de frilosit\u00e9 croissante de certains guichets face \u00e0 une d\u00e9gradation du risque. \u00bb<\/p>\n\n\n\n<h2 id=\"un-risque-credit-de-plus-en-plus-difficile-a-contenir\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Un risque cr\u00e9dit de plus en plus difficile \u00e0 contenir<\/mark><\/h2>\n\n\n\n<p>Car si les d\u00e9p\u00f4ts grimpent, la qualit\u00e9 du portefeuille de cr\u00e9dits, elle, se d\u00e9t\u00e9riore, \u00e0 l\u2019\u00e9chelle de l\u2019Union comme au B\u00e9nin. Le taux brut de d\u00e9gradation a bondi \u00e0 9,8 % \u00e0 fin mars 2025, loin des 3 % consid\u00e9r\u00e9s comme soutenables par les r\u00e9gulateurs. En toile de fond : la persistance des arri\u00e9r\u00e9s de paiement, la pr\u00e9carit\u00e9 des emprunteurs post-Covid, et une gouvernance encore fragile de certains SFD.<\/p>\n\n\n\n<p>Le pays compte d\u2019ailleurs quatre institutions sous administration provisoire, sur les dix recens\u00e9es dans l\u2019ensemble de l\u2019UMOA. Une alerte rouge dans un secteur per\u00e7u comme strat\u00e9gique pour le financement des activit\u00e9s agricoles, artisanales et informelles, en particulier pour les femmes et les jeunes entrepreneurs.<\/p>\n","protected":false},"excerpt":{"rendered":"Microfinance, La Marina BJ &#8211;Alors que le secteur de la microfinance continue d\u2019\u00e9largir sa base client\u00e8le dans l\u2019espace&hellip;\n","protected":false},"author":10,"featured_media":11426,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"standard","csco_appearance_masonry":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"footnotes":""},"categories":[110,191],"tags":[41,1136,668],"class_list":{"0":"post-11501","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-business","8":"category-en-savoir-plus-2","9":"tag-benin","10":"tag-microfinance","11":"tag-umoa","12":"cs-entry","13":"cs-video-wrap"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Microfinance au B\u00e9nin : l\u2019\u00e9pargne explose, les cr\u00e9dits s\u2019effondrent - LA MARINA BJ<\/title>\n<meta name=\"description\" content=\"Dans un contexte r\u00e9gional tendu, le B\u00e9nin s\u2019illustre par une collecte record de d\u00e9p\u00f4ts, tout en affichant la plus forte contraction de cr\u00e9dits de toute l\u2019Union. Une double dynamique r\u00e9v\u00e9latrice des mutations \u2013 et des fragilit\u00e9s \u2013 d\u2019un mod\u00e8le en qu\u00eate d\u2019\u00e9quilibre.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lamarinabj.com\/index.php\/2025\/08\/06\/microfinance-au-benin-lepargne-explose-les-credits-seffondrent\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Microfinance au B\u00e9nin : l\u2019\u00e9pargne explose, les cr\u00e9dits s\u2019effondrent - LA MARINA BJ\" \/>\n<meta property=\"og:description\" content=\"Dans un contexte r\u00e9gional tendu, le B\u00e9nin s\u2019illustre par une collecte record de d\u00e9p\u00f4ts, tout en affichant la plus forte contraction de cr\u00e9dits de toute l\u2019Union. 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