{"id":13455,"date":"2026-01-07T10:31:00","date_gmt":"2026-01-07T09:31:00","guid":{"rendered":"https:\/\/lamarinabj.com\/?p=13455"},"modified":"2026-01-07T08:26:39","modified_gmt":"2026-01-07T07:26:39","slug":"pour-un-pret-impaye-son-compte-mobile-money-bloque-par-une-microfinance","status":"publish","type":"post","link":"https:\/\/lamarinabj.com\/index.php\/2026\/01\/07\/pour-un-pret-impaye-son-compte-mobile-money-bloque-par-une-microfinance\/","title":{"rendered":"Pour un pr\u00eat impay\u00e9, son compte Mobile Money bloqu\u00e9 par une microfinance"},"content":{"rendered":"\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\"><strong>Litige commercial, La Marina BJ<\/strong><\/mark> \u2013 <strong><em>Dans l\u2019un de ses derniers jugements de l\u2019ann\u00e9e 2025, le Tribunal de commerce de Cotonou a rendu une d\u00e9cision p\u00e9dagogique dans un litige opposant une commer\u00e7ante \u00e0 une institution de microfinance. Si la saisie des comptes a finalement \u00e9t\u00e9 lev\u00e9e pour vice de proc\u00e9dure, l\u2019affaire rappelle la puissance des mesures conservatoires sur les nouveaux outils de paiement \u00e9lectronique.<\/em><\/strong><\/p>\n\n\n\n<p>L\u2019affaire commence par une op\u00e9ration classique de financement. En novembre 2023, Mme Mariama O., op\u00e9rant sous l\u2019enseigne \u00ab QA &amp; Fils \u00bb, contracte un pr\u00eat de 15 millions de FCFA aupr\u00e8s de la COOPEC-AD BENIN. L&rsquo;objectif est alors de renforcer son stock de barres de fer. Mais tr\u00e8s vite, la m\u00e9canique du remboursement s\u2019enraye.<\/p>\n\n\n\n<h2 id=\"une-insolvabilite-qui-mene-au-blocage-numerique\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Une \u00ab insolvabilit\u00e9 \u00bb qui m\u00e8ne au blocage num\u00e9rique<\/mark><\/h2>\n\n\n\n<p>Face \u00e0 ce que l&rsquo;institution financi\u00e8re qualifie d&rsquo;insolvabilit\u00e9 r\u00e9calcitrante, et apr\u00e8s plusieurs mises en demeure rest\u00e9es sans effet, la COOPEC-AD choisit la mani\u00e8re forte. En juin 2025, elle obtient du juge une ordonnance l&rsquo;autorisant \u00e0 pratiquer une saisie conservatoire.<\/p>\n\n\n\n<p><br>La particularit\u00e9 de cette ex\u00e9cution r\u00e9side dans les cibles vis\u00e9es : au-del\u00e0 des comptes bancaires traditionnels \u00e0 la BOA-BENIN, ce sont les avoirs d\u00e9tenus sur les comptes MTN Mobile Money de la commer\u00e7ante qui ont \u00e9t\u00e9 gel\u00e9s entre le 15 et le 21 juillet 2025. Une strat\u00e9gie qui illustre l&rsquo;adaptation des proc\u00e9dures de recouvrement \u00e0 la digitalisation de l&rsquo;\u00e9conomie b\u00e9ninoise.<\/p>\n\n\n\n<h2 id=\"le-revers-de-la-medaille-pour-le-creancier\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Le revers de la m\u00e9daille pour le cr\u00e9ancier<\/mark><\/h2>\n\n\n\n<p>Cependant, la victoire de l&rsquo;institution financi\u00e8re a \u00e9t\u00e9 de courte dur\u00e9e. Saisi en contestation par Mme Mariama O., le juge de l&rsquo;ex\u00e9cution a rappel\u00e9 une r\u00e8gle d&rsquo;or du droit OHADA qu&rsquo;est la c\u00e9l\u00e9rit\u00e9. En effet, lorsqu&rsquo;un cr\u00e9ancier bloque les comptes de son d\u00e9biteur sans titre ex\u00e9cutoire d\u00e9finitif (un jugement de condamnation), il a l&rsquo;obligation stricte d&rsquo;engager une proc\u00e9dure au fond dans le mois qui suit la saisie. Dans ce dossier, la COOPEC-AD n&rsquo;a pas pu prouver qu&rsquo;elle avait respect\u00e9 ce d\u00e9lai l\u00e9gal.<\/p>\n\n\n\n<p>De ce fait, le verdict du tribunal a \u00e9t\u00e9 sans appel : les saisies pratiqu\u00e9es sur les comptes BOA et MTN Mobile Money ont \u00e9t\u00e9 d\u00e9clar\u00e9es caduques. Le juge a ordonn\u00e9 la mainlev\u00e9e imm\u00e9diate de ces mesures, permettant \u00e0 la commer\u00e7ante de retrouver l&rsquo;usage de ses fonds. Toutefois, ce succ\u00e8s pour la d\u00e9bitrice reste partiel. Si elle r\u00e9cup\u00e8re l&rsquo;acc\u00e8s \u00e0 son argent, le tribunal a refus\u00e9 d&rsquo;annuler l&rsquo;ordonnance de principe autorisant la saisie, estimant que la dette est r\u00e9elle et que le risque de non-recouvrement \u00e9tait justifi\u00e9 au moment de la d\u00e9cision initiale.<\/p>\n\n\n\n<p>Le juge de l&rsquo;ex\u00e9cution s&rsquo;est, par ailleurs, d\u00e9clar\u00e9 incomp\u00e9tent pour statuer sur le remboursement effectif du montant r\u00e9clam\u00e9, renvoyant les parties devant une juridiction de fond. Selon notre sp\u00e9cialiste \u00e0 la r\u00e9daction, \u00ab Au-del\u00e0 du fait que le Mobile Money est d\u00e9sormais reconnu comme un levier de saisie conservatoire pour les institutions financi\u00e8res, ce mode de recouvrement reste, \u00e0 l&rsquo;instar des voies classiques, strictement encadr\u00e9 par un formalisme juridique que les cr\u00e9anciers ne peuvent n\u00e9gliger. \u00bb Pour esp\u00e9rer recouvrer sa cr\u00e9ance de 16,51 millions de FCFA (int\u00e9r\u00eats inclus), la microfinance devra d\u00e9sormais porter le litige devant le juge du fond.<\/p>\n","protected":false},"excerpt":{"rendered":"Litige commercial, La Marina BJ \u2013 Dans l\u2019un de ses derniers jugements de l\u2019ann\u00e9e 2025, le Tribunal de&hellip;\n","protected":false},"author":4,"featured_media":13087,"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":[191],"tags":[41,548],"class_list":{"0":"post-13455","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-en-savoir-plus-2","8":"tag-benin","9":"tag-tribunal-de-commerce-de-cotonou","10":"cs-entry","11":"cs-video-wrap"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pour un pr\u00eat impay\u00e9, son compte Mobile Money bloqu\u00e9 par une microfinance - LA MARINA BJ<\/title>\n<meta name=\"description\" content=\"Dans l\u2019un de ses derniers jugements de l\u2019ann\u00e9e 2025, le Tribunal de commerce de Cotonou a rendu une d\u00e9cision p\u00e9dagogique dans un litige opposant une commer\u00e7ante \u00e0 une institution de microfinance. 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