{ "id": 34302, "date": "2025-05-22T10:32:46", "date_gmt": "2025-05-22T08:32:46", "guid": { "rendered": "https:\/\/yearbooktest1.com\/?p=34302" }, "modified": "2025-06-03T19:02:15", "modified_gmt": "2025-06-03T17:02:15", "slug": "congo-banque-les-etablissements-de-microfinances", "status": "publish", "type": "post", "link": "https:\/\/congo-en.yearbook-media.com\/fr\/congo-banque-les-etablissements-de-microfinances\/", "title": { "rendered": "Congo – Banque
– Les Etablissements de microfinances" }, "content": { "rendered": "
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\n\t\t\t\t\t\t\t\t\tCongo – Banque
– Les Etablissements de microfinances\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Les \u00e9tablissements de microfinance (EMF) sont regroup\u00e9s au sein de l\u2019APEMF-Congo. L\u2019association compte 24 \u00e9tablissements qui exercent leurs activit\u00e9s sur l\u2019ensemble du territoire national.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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La plus grande institution de microfinance est l\u2019\u00e9pargne mutuelle et de cr\u00e9dit (Mucodec), un r\u00e9seau de fonds f\u00e9d\u00e9raux communs de placement, dont la mission est de soutenir les petites entreprises. La majeure partie des activit\u00e9s de Mucodec est ax\u00e9e sur les employ\u00e9s du secteur public. Mucodec a r\u00e9alis\u00e9, en 2021, un r\u00e9sultat de six milliards FCFA, gr\u00e2ce \u00e0 l\u2019\u00e9pargne et aux cr\u00e9dits accord\u00e9s \u00e0 leurs 412 179 soci\u00e9taires, en d\u00e9pit de la crise double sanitaire et \u00e9conomique. Avec 45 agences r\u00e9parties sur le territoire congolais, le r\u00e9seau MUCODEC est la premi\u00e8re institution financi\u00e8re au Congo Brazzaville. Les Mucodec fonctionnent sans capitaux \u00e9trangers, ni apport financier des banques locales. Toutes les caisses sont constitu\u00e9es en r\u00e9seaux autour d\u2019un organe faitier, la f\u00e9d\u00e9ration qui impulse la m\u00eame strat\u00e9gie manag\u00e9riale et commerciale.<\/p>\n

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La situation de l\u2019inclusion financi\u00e8re au Congo s\u2019est globalement am\u00e9lior\u00e9e. Conform\u00e9ment au r\u00e8glement de la Cemac\/Umac\/Cobac du 3 juillet 2020 et au r\u00e8glement de la Commission bancaire de l\u2019Afrique centrale (Cobac), relatif au service bancaire minimum garanti, la Direction g\u00e9n\u00e9rale des institutions financi\u00e8res nationales (DGFIN) a enjoint les \u00e9tablissements de cr\u00e9dit de fournir les services bancaires de base gratuitement.<\/span><\/p>\n

En plus des institutions de microfinance, existe le Fonds pour la participation \u00e0 la promotion des entreprises et \u00e0 leur d\u00e9veloppement (CAPPED), dont la mission est de contribuer \u00e0 la promotion des initiatives \u00e9conomiques et sociales de ses membres. En outre, en novembre 2007, le gouvernement a cr\u00e9\u00e9 la Banque Congolaise de l\u2019Habitat (BCH) pour mener \u00e0 bien toutes les op\u00e9rations bancaires visant \u00e0 mettre en \u0153uvre la politique du logement. Elle a \u00e9t\u00e9 suivie en 2008 par la cr\u00e9ation d\u2019un Fonds national pour le logement pour aider les m\u00e9nages congolais \u00e0 financer le d\u00e9veloppement de la propri\u00e9t\u00e9 priv\u00e9e. En outre, dans la zone CEMAC, pr\u00e8s de 70% des pr\u00eats en moyenne sont garantis par des garanties personnelles, dont la valeur d\u00e9passe en moyenne largement le montant du pr\u00eat.\u00a0<\/p>\n

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Les \u00e9tablissements de microfinance (EMF) sont regroup\u00e9s au sein de l\u2019APEMF-Congo. L\u2019association compte 24 \u00e9tablissements qui exercent leurs activit\u00e9s sur l\u2019ensemble du territoire national.\u00a0 La plus grande institution de microfinance est l\u2019\u00e9pargne mutuelle et de cr\u00e9dit (Mucodec), un r\u00e9seau de fonds f\u00e9d\u00e9raux communs de placement, dont la mission est de soutenir les petites entreprises. La … Lire plus<\/a><\/p>", "protected": false }, "author": 1, "featured_media": 40615, "comment_status": "closed", "ping_status": "open", "sticky": false, "template": "", "format": "standard", "meta": { "_acf_changed": false, "footnotes": "" }, "categories": [ 108, 3, 145, 124, 285 ], "tags": [], "class_list": [ "post-34302", "post", "type-post", "status-publish", "format-standard", "has-post-thumbnail", "hentry", "category-banque", "category-congo", "category-congo-banque", "category-finance", "category-page-pays-only", "generate-columns", "tablet-grid-50", "mobile-grid-100", "grid-parent", "grid-20" ], "acf": [], "yoast_head": "\nCongo - Banque - Les Etablissements de microfinances<\/title>\n<meta name=\"description\" content=\"Les \u00e9tablissements de microfinance (EMF) sont regroup\u00e9s au sein de l\u2019APEMF-Congo. 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