{"id":7454,"date":"2022-05-31T18:04:24","date_gmt":"2022-05-31T18:04:24","guid":{"rendered":"https:\/\/www.africa-press.net\/madagascar\/politique\/epargne-communautaire-une-solution-pour-linclusion-economique"},"modified":"2022-05-31T18:19:32","modified_gmt":"2022-05-31T18:19:32","slug":"epargne-communautaire-une-solution-pour-linclusion-economique","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/madagascar\/toutes-les-actualites\/epargne-communautaire-une-solution-pour-linclusion-economique","title":{"rendered":"Epargne communautaire : Une solution pour l\u2019inclusion \u00e9conomique"},"content":{"rendered":"

Africa-Press – Madagascar. <\/strong><\/span>Les communaut\u00e9s villageoises dans les zones \u00e9loign\u00e9es commencent \u00e0 adopter la culture de l\u2019\u00e9pargne par le biais du \u00ab voamamy \u00bb. Les personnes qui ont adh\u00e9r\u00e9 \u00e0 ce concept ont constat\u00e9 des changements positifs dans leur vie.<\/p>\n

En milieu rural, l\u2019\u00e9pargne et le cr\u00e9dit communautaire prennent de l\u2019ampleur pour faire face \u00e0 des nombreux d\u00e9fis, dont le changement climatique. VOAMAMI (Vondrona olona an-toerana miara-manao tahiry sy mifampindram-bola) est le nom donn\u00e9 aux associations villageoises d\u2019\u00e9pargne et de cr\u00e9dit, plus connues sous l\u2019acronyme AVEC. Elles ont \u00e9t\u00e9 mises en place pour aider les m\u00e9nages b\u00e9n\u00e9ficiaires \u00e0 acc\u00e9der \u00e0 un syst\u00e8me financier et \u00e0 renforcer leur capacit\u00e9 de r\u00e9silience. Une AVEC est un groupe de 15 \u00e0 25 personnes qui \u00e9pargnent ensemble et font de petits emprunts \u00e0 partir de ces \u00e9pargnes. Les membres se r\u00e9unissent une fois par semaine et mettent leur argent de c\u00f4t\u00e9 dans une caisse commune en achetant des parts. Cet argent sert \u00e0 un achat ou un investissement, mais fonctionne aussi comme une assurance ou une protection pour les moments difficiles. Gr\u00e2ce aux AVECs, les communaut\u00e9s sont de plus en plus autonomes et aptes \u00e0 prendre soin de leur famille et leurs conditions de vie s\u2019am\u00e9liorent. Par ailleurs, les r\u00e8glements observ\u00e9s au sein de ces groupements inculquent la notion de discipline et de respect de l\u2019autre et contribuent \u00e0 asseoir une meilleure coh\u00e9sion des communaut\u00e9s.<\/p>\n

Privil\u00e8ges. L\u2019association \u00ab vehivavy miray \u00bb figure parmi les b\u00e9n\u00e9ficiaires de ce syst\u00e8me d\u2019\u00e9pargne communautaire. Depuis son adh\u00e9sion \u00e0 l\u2019AVEC, cette association a pu mettre de c\u00f4t\u00e9 600 000 ariary en cinq mois. Elle regroupe des femmes dont le si\u00e8ge est localis\u00e9 dans le fokontany d\u2019Anday, commune d\u2019Anjapaly, district de Tsihombe, r\u00e9gion Androy. \u00ab Notre r\u00e9union se tient tous les jeudis apr\u00e8s-midi. Celle qui ne paye pas la cotisation de 200 ariary est sanctionn\u00e9e et sera contrainte \u00e0 payer en retour 500 ariary. J\u2019ai emprunt\u00e9 100 000 ariary pour lancer mon petit commerce. Depuis, je ne suis plus oblig\u00e9e de travailler dans les champs pour gagner ma vie. Ma vie a chang\u00e9 et je vais bient\u00f4t construire ma maison \u00bb, t\u00e9moigne Noeline Tolisoa, pr\u00e9sidente de l\u2019AVEC dans cette localit\u00e9. \u00c0 noter que les r\u00e9gions Androy et Anosy comptent 250 AVECs \u00e9tablis par le Fonds d\u2019intervention pour le d\u00e9veloppement.<\/p>\n

Narindra Rakotobe<\/p>\n

Pour plus d’informations et d’analyses sur la Madagascar<\/a>, suivez Africa-Press<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Africa-Press – Madagascar. Les communaut\u00e9s villageoises dans les zones \u00e9loign\u00e9es commencent \u00e0 adopter la culture de l\u2019\u00e9pargne par le biais du \u00ab voamamy \u00bb. Les personnes qui ont adh\u00e9r\u00e9 \u00e0 ce concept ont constat\u00e9 des changements positifs dans leur vie. En milieu rural, l\u2019\u00e9pargne et le cr\u00e9dit communautaire prennent de l\u2019ampleur pour faire face \u00e0 […]<\/p>\n","protected":false},"author":82,"featured_media":7453,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21,11,10],"tags":[36,50,49],"class_list":["post-7454","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-communaute","category-homepage-french","category-toutes-les-actualites","tag-africa-press","tag-africa-press-madagascar","tag-madagascar"],"yoast_head":"\nEpargne communautaire : Une solution pour l\u2019inclusion \u00e9conomique - Madagascar<\/title>\n<meta name=\"description\" content=\"Les communaut\u00e9s villageoises dans les zones \u00e9loign\u00e9es commencent \u00e0 adopter la culture de l\u2019\u00e9pargne par le biais du \u00ab voa ...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.africa-press.net\/madagascar\/toutes-les-actualites\/epargne-communautaire-une-solution-pour-linclusion-economique\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Epargne communautaire : Une solution pour l\u2019inclusion \u00e9conomique\" \/>\n<meta property=\"og:description\" content=\"Les communaut\u00e9s villageoises dans les zones \u00e9loign\u00e9es commencent \u00e0 adopter la culture de l\u2019\u00e9pargne par le biais du \u00ab voa ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.africa-press.net\/madagascar\/toutes-les-actualites\/epargne-communautaire-une-solution-pour-linclusion-economique\" \/>\n<meta property=\"og:site_name\" content=\"Madagascar\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-31T18:04:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-31T18:19:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.africa-press.net\/madagascar\/sites\/56\/2022\/05\/postQueueImg_8-62965c1f45b7c.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"696\" \/>\n\t<meta property=\"og:image:height\" content=\"464\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"cfeditorfr\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"cfeditorfr\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.africa-press.net\/madagascar\/toutes-les-actualites\/epargne-communautaire-une-solution-pour-linclusion-economique#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.africa-press.net\/madagascar\/toutes-les-actualites\/epargne-communautaire-une-solution-pour-linclusion-economique\"},\"author\":{\"name\":\"cfeditorfr\",\"@id\":\"https:\/\/www.africa-press.net\/madagascar\/#\/schema\/person\/2b1cf3cd81a31e3cd26889ca66d677f1\"},\"headline\":\"Epargne communautaire : Une solution pour l\u2019inclusion \u00e9conomique\",\"datePublished\":\"2022-05-31T18:04:24+00:00\",\"dateModified\":\"2022-05-31T18:19:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.africa-press.net\/madagascar\/toutes-les-actualites\/epargne-communautaire-une-solution-pour-linclusion-economique\"},\"wordCount\":425,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.africa-press.net\/madagascar\/toutes-les-actualites\/epargne-communautaire-une-solution-pour-linclusion-economique#primaryimage\"},\"thumbnailUrl\":\"https:\/\/static.africa-press.net\/madagascar\/sites\/56\/2022\/05\/postQueueImg_8-62965c1f45b7c.jpg\",\"keywords\":[\"Africa Press\",\"Africa Press-Madagascar\",\"Madagascar\"],\"articleSection\":[\"Communaut\u00e9\",\"homepage-french\",\"Toutes les actualit\u00e9s\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.africa-press.net\/madagascar\/toutes-les-actualites\/epargne-communautaire-une-solution-pour-linclusion-economique#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.africa-press.net\/madagascar\/toutes-les-actualites\/epargne-communautaire-une-solution-pour-linclusion-economique\",\"url\":\"https:\/\/www.africa-press.net\/madagascar\/toutes-les-actualites\/epargne-communautaire-une-solution-pour-linclusion-economique\",\"name\":\"Epargne communautaire : Une solution pour l\u2019inclusion \u00e9conomique - 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