{"id":2555,"date":"2025-09-25T07:47:33","date_gmt":"2025-09-25T05:47:33","guid":{"rendered":"https:\/\/redaction.oxygene-benin.bj\/?p=2555"},"modified":"2025-09-25T07:47:33","modified_gmt":"2025-09-25T05:47:33","slug":"phase-3-du-microcredit-alafia-le-gouvernement-a-annonce-par-des-reformes-pour-une-inclusion-financiere-renforcee","status":"publish","type":"post","link":"https:\/\/redaction.oxygene-benin.bj\/?p=2555","title":{"rendered":"Phase 3 du microcr\u00e9dit Alafia: Le gouvernement a annonc\u00e9 par des r\u00e9formes pour une inclusion financi\u00e8re renforc\u00e9e \u200e"},"content":{"rendered":"

Le gouvernement b\u00e9ninois a annonc\u00e9, lors du Conseil des ministres du mercredi 24 septembre 2025, le lancement de la troisi\u00e8me phase du programme de microcr\u00e9dit Alafia. Des ajustements ont \u00e9t\u00e9 apport\u00e9s au programme afin de mieux r\u00e9pondre aux besoins des b\u00e9n\u00e9ficiaires et aux r\u00e9alit\u00e9s \u00e9conomiques du moment. Le plafond des pr\u00eats a \u00e9t\u00e9 relev\u00e9 \u00e0 200.000 FCFA, contre un maximum de 100.000 FCFA lors des phases pr\u00e9c\u00e9dentes. Cette augmentation vise \u00e0 offrir aux b\u00e9n\u00e9ficiaires une capacit\u00e9 de financement plus adapt\u00e9e \u00e0 leurs projets. La dur\u00e9e de remboursement est fix\u00e9e \u00e0 douze mois, avec un taux d\u2019int\u00e9r\u00eat plafonn\u00e9 \u00e0 8 % l\u2019an, ou 4 % pour les pr\u00eats de six mois.<\/p>\n

\u200e Le gouvernement a \u00e9galement d\u00e9cid\u00e9 d\u2019\u00e9largir le r\u00e9seau des partenaires financiers en int\u00e9grant six nouveaux Syst\u00e8mes Financiers D\u00e9centralis\u00e9s. Ils sont d\u00e9sormais au nombre de 20 au total. Ce qui permettra de renforcer la couverture nationale du programme et facilitera l’acc\u00e8s au microcr\u00e9dit dans les zones recul\u00e9es. La prime d\u2019assurance a \u00e9galement \u00e9t\u00e9 revue \u00e0 la baisse. Elle passe de 1,2 % \u00e0 0,35 % du montant du cr\u00e9dit, pour toutes les phases du programme. Cette r\u00e9duction all\u00e8gera les charges des b\u00e9n\u00e9ficiaires et am\u00e9liorera, \u00e0 coup s\u00fbr,la rentabilit\u00e9 de leurs activit\u00e9s. L\u2019ensemble de ces d\u00e9cisions traduit la volont\u00e9 du gouvernement de rendre le microcr\u00e9dit Alafia plus efficace, plus inclusif et mieux adapt\u00e9 aux attentes des populations.<\/p>\n","protected":false},"excerpt":{"rendered":"

Le gouvernement b\u00e9ninois a annonc\u00e9, lors du Conseil des ministres du mercredi 24 septembre 2025,<\/p>\n","protected":false},"author":2,"featured_media":2554,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[231],"tags":[261,2105,1988,1989],"class_list":["post-2555","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites-au-benin-en-afrique","tag-conseil-des-ministres","tag-des-reformes-annoncees","tag-microcredit-alafia","tag-phase-3"],"yoast_head":"\nPhase 3 du microcr\u00e9dit Alafia: Le gouvernement a annonc\u00e9 par des r\u00e9formes pour une inclusion financi\u00e8re renforc\u00e9e \u200e - Oxyg\u00e8ne<\/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:\/\/redaction.oxygene-benin.bj\/?p=2555\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Phase 3 du microcr\u00e9dit Alafia: Le gouvernement a annonc\u00e9 par des r\u00e9formes pour une inclusion financi\u00e8re renforc\u00e9e \u200e - Oxyg\u00e8ne\" \/>\n<meta property=\"og:description\" content=\"Le gouvernement b\u00e9ninois a annonc\u00e9, lors du Conseil des ministres du mercredi 24 septembre 2025,\" \/>\n<meta property=\"og:url\" content=\"https:\/\/redaction.oxygene-benin.bj\/?p=2555\" \/>\n<meta property=\"og:site_name\" content=\"Oxyg\u00e8ne\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-25T05:47:33+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/redaction.oxygene-benin.bj\/?p=2555#article\",\"isPartOf\":{\"@id\":\"https:\/\/redaction.oxygene-benin.bj\/?p=2555\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Phase 3 du microcr\u00e9dit Alafia: Le gouvernement a annonc\u00e9 par des r\u00e9formes pour une inclusion financi\u00e8re renforc\u00e9e \u200e\",\"datePublished\":\"2025-09-25T05:47:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/redaction.oxygene-benin.bj\/?p=2555\"},\"wordCount\":271,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/redaction.oxygene-benin.bj\/#organization\"},\"image\":{\"@id\":\"https:\/\/redaction.oxygene-benin.bj\/?p=2555#primaryimage\"},\"thumbnailUrl\":\"https:\/\/redaction.oxygene-benin.bj\/wp-content\/uploads\/2026\/01\/Screenshot_20250925-084101_1.jpg\",\"keywords\":[\"Conseil des Ministres\",\"des r\u00e9formes annonc\u00e9es\",\"Microcr\u00e9dit Alafia\",\"Phase 3\"],\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/redaction.oxygene-benin.bj\/?p=2555#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/redaction.oxygene-benin.bj\/?p=2555\",\"url\":\"https:\/\/redaction.oxygene-benin.bj\/?p=2555\",\"name\":\"Phase 3 du microcr\u00e9dit Alafia: Le gouvernement a annonc\u00e9 par des r\u00e9formes pour une inclusion financi\u00e8re renforc\u00e9e \u200e - 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