{"id":13532,"date":"2026-01-15T15:33:00","date_gmt":"2026-01-15T14:33:00","guid":{"rendered":"https:\/\/lamarinabj.com\/?p=13532"},"modified":"2026-01-15T15:42:33","modified_gmt":"2026-01-15T14:42:33","slug":"benin-une-institution-de-microfinance-condamnee-pour-une-saisie-abusive","status":"publish","type":"post","link":"https:\/\/lamarinabj.com\/index.php\/2026\/01\/15\/benin-une-institution-de-microfinance-condamnee-pour-une-saisie-abusive\/","title":{"rendered":"B\u00e9nin : Une institution de microfinance condamn\u00e9e pour une saisie \u00ab abusive \u00bb"},"content":{"rendered":"\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\"><strong>Justice, La Marina BJ<\/strong><\/mark> \u2014 <strong><em>Pour avoir pratiqu\u00e9 une saisie sur des montants largement sup\u00e9rieurs \u00e0 la dette r\u00e9elle, BENIN MICRO FINANCE SA devra verser 2 millions de FCFA de dommages-int\u00e9r\u00eats. Telle est la d\u00e9cision du Tribunal de commerce de Cotonou dans le litige opposant un commer\u00e7ant et sa caution \u00e0 l&rsquo;institution de microfinance.<\/em><\/strong><\/p>\n\n\n\n<p>L\u2019ordonnance N\u00b0002-2026, rendue le mardi 6 janvier 2026 par la Troisi\u00e8me Chambre des Proc\u00e9dures Pr\u00e9sidentielles du Tribunal de commerce de Cotonou, r\u00e9sonne comme un rappel \u00e0 l\u2019ordre pour les institutions de cr\u00e9dit. Au c\u0153ur de l\u2019affaire : une proc\u00e9dure de recouvrement jug\u00e9e \u00ab excessive et vexatoire \u00bb.<\/p>\n\n\n\n<h2 id=\"lerreur-de-calcul-qui-coute-cher\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">L\u2019erreur de calcul qui co\u00fbte cher<\/mark><\/h2>\n\n\n\n<p>Tout commence par un pr\u00eat de 20 millions de FCFA contract\u00e9 par Monsieur L\u00e9on K. E. pour son commerce de produits congel\u00e9s. Si les huit premi\u00e8res mensualit\u00e9s sont honor\u00e9es, un accident m\u00e9canique sur son camion de livraison provoque une avarie de marchandise, plongeant le commer\u00e7ant dans des difficult\u00e9s financi\u00e8res. Malgr\u00e9 ce coup du sort, le d\u00e9biteur maintient le contact avec son cr\u00e9ancier et poursuit des remboursements partiels.<\/p>\n\n\n\n<p>Le point de rupture survient les 16 et 17 juillet 2025. La BENIN MICRO FINANCE SA (BMF SA) engage une saisie-attribution sur les comptes de Monsieur L\u00e9on, mais aussi sur ceux de sa caution, Monsieur Emile M. D., aupr\u00e8s de la BOA-B\u00c9NIN et d&rsquo;Orabank.<br>Le litige porte sur le montant. Alors que la microfinance r\u00e9clame plus de 7,2 millions de FCFA en principal (atteignant 9,4 millions avec les frais), les relev\u00e9s de compte et une correspondance de l&rsquo;institution de microfinance elle-m\u00eame indiquent un solde restant d\u00fb d&rsquo;environ 3,4 millions de FCFA.<\/p>\n\n\n\n<p>Devant le juge de l&rsquo;ex\u00e9cution, les demandeurs, d\u00e9fendus par Ma\u00eetre Salamon ABOU, ont d\u00e9nonc\u00e9 une cr\u00e9ance \u00ab non liquide \u00bb, car le montant r\u00e9clam\u00e9 \u00e9tait manifestement sur\u00e9valu\u00e9. La d\u00e9fense de la microfinance, arguant des normes de prudence de la BCEAO pour justifier le maintien des montants bruts, n&rsquo;a pas convaincu le tribunal.<\/p>\n\n\n\n<h2 id=\"2-millions-de-reparation\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">2 millions de r\u00e9paration<\/mark><\/h2>\n\n\n\n<p>Dans son ordonnance, la juge Edith K. OROUNLA BIAOU a suivi le raisonnement des demandeurs sur le caract\u00e8re abusif de la proc\u00e9dure. Le tribunal a ainsi ordonn\u00e9 la mainlev\u00e9e imm\u00e9diate des saisies sur les comptes bancaires des deux hommes, ainsi que la condamnation de la BMF SA au versement de 2 000 000 de FCFA \u00e0 Monsieur Emile M. D. (la caution) \u00e0 titre de dommages-int\u00e9r\u00eats pour le pr\u00e9judice subi.<\/p>\n\n\n\n<p>En cas de r\u00e9sistance, l&rsquo;institution de microfinance devra payer une astreinte de 100 000 FCFA par jour de retard, conform\u00e9ment \u00e0 l&rsquo;ordonnance. En bloquant pr\u00e8s de 10 millions de FCFA pour une dette r\u00e9elle trois fois inf\u00e9rieure, la microfinance a commis une faute ouvrant droit \u00e0 r\u00e9paration. Pour les usagers des banques et microfinances, cette jurisprudence confirme que la \u00ab liquidit\u00e9 \u00bb de la cr\u00e9ance (le fait que le montant soit certain et exact) est une condition sine qua non pour toute ex\u00e9cution forc\u00e9e.<\/p>\n","protected":false},"excerpt":{"rendered":"Justice, La Marina BJ \u2014 Pour avoir pratiqu\u00e9 une saisie sur des montants largement sup\u00e9rieurs \u00e0 la dette&hellip;\n","protected":false},"author":4,"featured_media":12698,"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":[41,1931,548],"class_list":{"0":"post-13532","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-benin-microfinance","10":"tag-tribunal-de-commerce-de-cotonou","11":"cs-entry","12":"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>B\u00e9nin : Une institution de microfinance condamn\u00e9e pour une saisie \u00ab abusive \u00bb - LA MARINA BJ<\/title>\n<meta name=\"description\" content=\"Pour avoir pratiqu\u00e9 une saisie sur des montants largement sup\u00e9rieurs \u00e0 la dette r\u00e9elle, BENIN MICRO FINANCE SA devra verser 2 millions de FCFA de dommages-int\u00e9r\u00eats. Telle est la d\u00e9cision du Tribunal de commerce de Cotonou dans le litige opposant un commer\u00e7ant et sa caution \u00e0 l&#039;institution de microfinance.\" \/>\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\/2026\/01\/15\/benin-une-institution-de-microfinance-condamnee-pour-une-saisie-abusive\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"B\u00e9nin : Une institution de microfinance condamn\u00e9e pour une saisie \u00ab abusive \u00bb - LA MARINA BJ\" \/>\n<meta property=\"og:description\" content=\"Pour avoir pratiqu\u00e9 une saisie sur des montants largement sup\u00e9rieurs \u00e0 la dette r\u00e9elle, BENIN MICRO FINANCE SA devra verser 2 millions de FCFA de dommages-int\u00e9r\u00eats. 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