{"id":13818,"date":"2026-02-10T08:21:41","date_gmt":"2026-02-10T07:21:41","guid":{"rendered":"https:\/\/lamarinabj.com\/?p=13818"},"modified":"2026-02-10T08:21:43","modified_gmt":"2026-02-10T07:21:43","slug":"microfinance-au-benin-une-dynamique-de-credit-de-111-milliards-fcfa-malgre-un-repli-de-lepargne-au-troisieme-trimestre-2025","status":"publish","type":"post","link":"https:\/\/lamarina.bj\/index.php\/2026\/02\/10\/microfinance-au-benin-une-dynamique-de-credit-de-111-milliards-fcfa-malgre-un-repli-de-lepargne-au-troisieme-trimestre-2025\/","title":{"rendered":"Microfinance au B\u00e9nin : Une dynamique de cr\u00e9dit de 11,1 milliards FCFA malgr\u00e9 un repli de l&rsquo;\u00e9pargne au troisi\u00e8me trimestre 2025"},"content":{"rendered":"\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\"><strong>Finance, La Marina BJ <\/strong><\/mark>&#8211; <strong><em>Alors que l\u2019Union Mon\u00e9taire Ouest Africaine (UMOA) affiche une croissance globale de ses indicateurs financiers, le secteur de la microfinance au B\u00e9nin pr\u00e9sente des trajectoires divergentes \u00e0 fin septembre 2025. Si l&rsquo;octroi de cr\u00e9dits reste vigoureux, le pays enregistre un recul notable de la mobilisation des d\u00e9p\u00f4ts.<\/em><\/strong><\/p>\n\n\n\n<p>Au troisi\u00e8me trimestre 2025, les institutions de microfinance (IMF) op\u00e9rant au B\u00e9nin ont intensifi\u00e9 leur r\u00f4le de moteur de l&rsquo;\u00e9conomie de proximit\u00e9. L&rsquo;encours des cr\u00e9dits octroy\u00e9s dans le pays a progress\u00e9 de 11,1 milliards FCFA, soit une augmentation de 4,7% par rapport au trimestre pr\u00e9c\u00e9dent. Cette performance place le B\u00e9nin parmi les pays les plus dynamiques de l&rsquo;Union en termes de croissance relative des concours financiers, juste derri\u00e8re la C\u00f4te d&rsquo;Ivoire (+5,2%). \u00c0 l&rsquo;\u00e9chelle de l&rsquo;UMOA, cette tendance globale est port\u00e9e majoritairement par des concours \u00e0 court terme, qui repr\u00e9sentent 46,3% des pr\u00eats.<\/p>\n\n\n\n<h2 id=\"lepargne-un-repli-a-contre-courant\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">L\u2019\u00e9pargne, un repli \u00e0 contre-courant<\/mark><\/h2>\n\n\n\n<p>Toutefois, ce dynamisme du cr\u00e9dit s&rsquo;accompagne d&rsquo;une baisse sur le plan de la collecte. Contrairement \u00e0 la majorit\u00e9 de ses voisins de l&rsquo;Union comme le S\u00e9n\u00e9gal, la C\u00f4te d&rsquo;Ivoire ou le Togo, le B\u00e9nin a enregistr\u00e9 une diminution de son encours de d\u00e9p\u00f4ts de 2,5 milliards FCFA (-1,2%) au cours du trimestre sous revue. Ce reflux de l&rsquo;\u00e9pargne locale se distingue de la progression r\u00e9gionale de 11,1% en glissement annuel. Ce d\u00e9calage entre la hausse des cr\u00e9dits et la baisse des d\u00e9p\u00f4ts au B\u00e9nin pourrait s&rsquo;expliquer par un arbitrage des m\u00e9nages face au co\u00fbt de la vie ou une utilisation accrue de l&rsquo;\u00e9pargne disponible pour l&rsquo;autofinancement.<\/p>\n\n\n\n<p>L&rsquo;autre point de vigilance majeur pour le secteur b\u00e9ninois concerne la gestion institutionnelle. Sur les 10 institutions de microfinance actuellement plac\u00e9es sous administration provisoire dans l&rsquo;ensemble de la zone UMOA, le B\u00e9nin en compte \u00e0 lui seul 4. Cette situation souligne les d\u00e9fis persistants en mati\u00e8re de gouvernance et de respect des normes prudentielles. Au niveau r\u00e9gional, le taux brut de d\u00e9gradation du portefeuille s&rsquo;\u00e9tablit \u00e0 10,2%, soit au-dessus de la norme maximale de 3,0% fix\u00e9e par les autorit\u00e9s mon\u00e9taires.<\/p>\n","protected":false},"excerpt":{"rendered":"Finance, La Marina BJ &#8211; Alors que l\u2019Union Mon\u00e9taire Ouest Africaine (UMOA) affiche une croissance globale de ses&hellip;\n","protected":false},"author":10,"featured_media":13819,"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":[41,1136],"class_list":{"0":"post-13818","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-microfinance","10":"cs-entry","11":"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 : Une dynamique de cr\u00e9dit de 11,1 milliards FCFA malgr\u00e9 un repli de l&#039;\u00e9pargne au troisi\u00e8me trimestre 2025 - LA MARINA BJ<\/title>\n<meta name=\"description\" content=\"Alors que l\u2019Union Mon\u00e9taire Ouest Africaine (UMOA) affiche une croissance globale de ses indicateurs financiers, le secteur de la microfinance au B\u00e9nin pr\u00e9sente des trajectoires divergentes \u00e0 fin septembre 2025. 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