{"id":10505,"date":"2022-09-05T19:09:32","date_gmt":"2022-09-05T19:09:32","guid":{"rendered":"https:\/\/www.africa-press.net\/togo\/politique\/togo-inclusion-financiere-la-realite-derriere-les-chiffres"},"modified":"2022-09-05T19:20:57","modified_gmt":"2022-09-05T19:20:57","slug":"togo-inclusion-financiere-la-realite-derriere-les-chiffres","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres","title":{"rendered":"Togo-Inclusion financi\u00e8re, la r\u00e9alit\u00e9 derri\u00e8re les chiffres"},"content":{"rendered":"<p><span style=\"color: #ff6600\"><strong>Africa-Press &#8211; Togo. <\/strong><\/span><b>Le syst\u00e8me financier doit \u00eatre au service de l\u2019\u00e9panouissement de l\u2019homme. L\u2019inverse est une pure folie de la soci\u00e9t\u00e9 humaine. La promotion de l\u2019inclusion financi\u00e8re au Togo, consistant \u00e0 permettre l\u2019acc\u00e8s aux services financiers au plus grand nombre y compris les couches les plus d\u00e9favoris\u00e9es, affiche de brillants chiffres pouvant s\u2019interpr\u00e9ter en un succ\u00e8s entier du projet. Pourtant l\u2019analyse du contexte socio\u00e9conomique peut amener \u00e0 \u00e9mettre de s\u00e9rieuses r\u00e9serves.<\/b><\/p>\n<p>En mati\u00e8re d\u2019inclusion financi\u00e8re, le Togo tient un rang enviable au sein de l\u2019Union Economique Mon\u00e9taire Ouest-Africaine (UEMOA). Au premier trimestre de cette ann\u00e9e 2022, seuls deux Etats, la C\u00f4te d\u2019ivoire et le Burkina Faso font mieux que le Togo quant \u00e0 la progression de d\u00e9p\u00f4ts collect\u00e9s. De m\u00eame l\u2019encours des cr\u00e9dits dans le secteur de la microfinance connait une croissance significative. Somme toute, il faut admettre que cette vitalit\u00e9 financi\u00e8re est due aux activit\u00e9s des microfinances qui sont de plus en plus nombreuses. Certains secteurs ont d\u00e9sormais acc\u00e8s \u00e0 des microcr\u00e9dits leur permettant de maintenir un rythme constant de leurs activit\u00e9s. A titre d\u2019exemples, des groupements agricoles et des associations de commer\u00e7antes peuvent obtenir un peu plus facilement des facilit\u00e9s financi\u00e8res.<\/p>\n<p>Toutefois, en marge des performances que traduisent ces chiffres, il faut aussi interroger l\u2019efficacit\u00e9 du syst\u00e8me financier actuel sur le d\u00e9veloppement global de la soci\u00e9t\u00e9 togolaise. En l\u2019occurrence lorsque l\u2019inclusion financi\u00e8re est organis\u00e9e de telle sorte \u00e0 rendre constamment d\u00e9pendants les op\u00e9rateurs \u00e9conomiques ou les artisans des microcr\u00e9dits, alors le syst\u00e8me ne peut permettre cette \u00e9closion financi\u00e8re, source d\u2019un d\u00e9veloppement int\u00e9gral. La progression des d\u00e9p\u00f4ts collect\u00e9s en rapport avec l\u2019encours des cr\u00e9dits annonc\u00e9 montre que les institutions financi\u00e8res rechignent encore \u00e0 joueur leur v\u00e9ritable r\u00f4le de financement des entrepreneurs. Dans les faits, les banques africaines n\u2019ont toujours pas compris qu\u2019il est n\u00e9cessaire pour elles de se r\u00e9inventer en prenant en consid\u00e9ration les r\u00e9alit\u00e9s locales. Les structures de microfinances et de m\u00e9sofinances font beaucoup plus dans la collecte de d\u00e9p\u00f4ts que dans l\u2019octroi de v\u00e9ritables cr\u00e9dits. L\u2019ensemble s\u2019apparente \u00e0 un cercle vicieux o\u00f9 les acteurs sont en mouvement mais tournent en rond. Au final, les r\u00e9alit\u00e9s financi\u00e8res des op\u00e9rateurs \u00e9conomiques du Togo contrastent \u00e9norm\u00e9ment avec les statistiques annonc\u00e9es \u00e0 grande pompe par les gouvernants.<\/p>\n<p>Barth K.<\/p>\n<p><strong>Pour plus d&rsquo;informations et d&rsquo;analyses sur la <a href=\"https:\/\/www.africa-press.net\/togo\">Togo<\/a>, suivez <a href=\"https:\/\/www.africa-press.net\/\">Africa-Press<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Africa-Press &#8211; Togo. Le syst\u00e8me financier doit \u00eatre au service de l\u2019\u00e9panouissement de l\u2019homme. L\u2019inverse est une pure folie de la soci\u00e9t\u00e9 humaine. La promotion de l\u2019inclusion financi\u00e8re au Togo, consistant \u00e0 permettre l\u2019acc\u00e8s aux services financiers au plus grand nombre y compris les couches les plus d\u00e9favoris\u00e9es, affiche de brillants chiffres pouvant s\u2019interpr\u00e9ter en [&hellip;]<\/p>\n","protected":false},"author":82,"featured_media":10504,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,11,10],"tags":[36,49,2557,2558,423,2559,50],"class_list":["post-10505","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-homepage-french","category-toutes-les-actualites","tag-africa-press","tag-africa-press-togo","tag-chiffres-performants","tag-contexte-socio-economiques-decevant","tag-featured","tag-inclusion-financiere-togo","tag-togo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.1 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Togo-Inclusion financi\u00e8re, la r\u00e9alit\u00e9 derri\u00e8re les chiffres - Togo<\/title>\n<meta name=\"description\" content=\"Le syst\u00e8me financier doit \u00eatre au service de l\u2019\u00e9panouissement de l\u2019homme. L\u2019inverse est une pure folie de la soci\u00e9t\u00e9 ...\" \/>\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\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Togo-Inclusion financi\u00e8re, la r\u00e9alit\u00e9 derri\u00e8re les chiffres\" \/>\n<meta property=\"og:description\" content=\"Le syst\u00e8me financier doit \u00eatre au service de l\u2019\u00e9panouissement de l\u2019homme. L\u2019inverse est une pure folie de la soci\u00e9t\u00e9 ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres\" \/>\n<meta property=\"og:site_name\" content=\"Togo\" \/>\n<meta property=\"article:published_time\" content=\"2022-09-05T19:09:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-09-05T19:20:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.africa-press.net\/togo\/sites\/58\/2022\/09\/postQueueImg_14-63164bfad3e24.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\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\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres\"},\"author\":{\"name\":\"cfeditorfr\",\"@id\":\"https:\/\/www.africa-press.net\/togo\/#\/schema\/person\/2b1cf3cd81a31e3cd26889ca66d677f1\"},\"headline\":\"Togo-Inclusion financi\u00e8re, la r\u00e9alit\u00e9 derri\u00e8re les chiffres\",\"datePublished\":\"2022-09-05T19:09:32+00:00\",\"dateModified\":\"2022-09-05T19:20:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres\"},\"wordCount\":469,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#primaryimage\"},\"thumbnailUrl\":\"https:\/\/static.africa-press.net\/togo\/sites\/58\/2022\/09\/postQueueImg_14-63164bfad3e24.jpg\",\"keywords\":[\"Africa Press\",\"Africa Press-Togo\",\"chiffres performants\",\"contexte socio \u00e9conomiques d\u00e9cevant\",\"Featured\",\"inclusion financi\u00e8re Togo\",\"Togo\"],\"articleSection\":[\"\u00c9conomie\",\"homepage-french\",\"Toutes les actualit\u00e9s\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres\",\"url\":\"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres\",\"name\":\"Togo-Inclusion financi\u00e8re, la r\u00e9alit\u00e9 derri\u00e8re les chiffres - Togo\",\"isPartOf\":{\"@id\":\"https:\/\/www.africa-press.net\/togo\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#primaryimage\"},\"thumbnailUrl\":\"https:\/\/static.africa-press.net\/togo\/sites\/58\/2022\/09\/postQueueImg_14-63164bfad3e24.jpg\",\"datePublished\":\"2022-09-05T19:09:32+00:00\",\"dateModified\":\"2022-09-05T19:20:57+00:00\",\"author\":{\"@id\":\"https:\/\/www.africa-press.net\/togo\/#\/schema\/person\/2b1cf3cd81a31e3cd26889ca66d677f1\"},\"description\":\"Le syst\u00e8me financier doit \u00eatre au service de l\u2019\u00e9panouissement de l\u2019homme. L\u2019inverse est une pure folie de la soci\u00e9t\u00e9 ...\",\"breadcrumb\":{\"@id\":\"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#primaryimage\",\"url\":\"https:\/\/static.africa-press.net\/togo\/sites\/58\/2022\/09\/postQueueImg_14-63164bfad3e24.jpg\",\"contentUrl\":\"https:\/\/static.africa-press.net\/togo\/sites\/58\/2022\/09\/postQueueImg_14-63164bfad3e24.jpg\",\"width\":1200,\"height\":800,\"caption\":\"Togo-Inclusion financi\u00e8re, la r\u00e9alit\u00e9 derri\u00e8re les chiffres\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.africa-press.net\/togo\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Togo-Inclusion financi\u00e8re, la r\u00e9alit\u00e9 derri\u00e8re les chiffres\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.africa-press.net\/togo\/#website\",\"url\":\"https:\/\/www.africa-press.net\/togo\/\",\"name\":\"Togo\",\"description\":\"Just another Africa News Agency Sites site\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.africa-press.net\/togo\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.africa-press.net\/togo\/#\/schema\/person\/2b1cf3cd81a31e3cd26889ca66d677f1\",\"name\":\"cfeditorfr\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Togo-Inclusion financi\u00e8re, la r\u00e9alit\u00e9 derri\u00e8re les chiffres - Togo","description":"Le syst\u00e8me financier doit \u00eatre au service de l\u2019\u00e9panouissement de l\u2019homme. L\u2019inverse est une pure folie de la soci\u00e9t\u00e9 ...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres","og_locale":"fr_FR","og_type":"article","og_title":"Togo-Inclusion financi\u00e8re, la r\u00e9alit\u00e9 derri\u00e8re les chiffres","og_description":"Le syst\u00e8me financier doit \u00eatre au service de l\u2019\u00e9panouissement de l\u2019homme. L\u2019inverse est une pure folie de la soci\u00e9t\u00e9 ...","og_url":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres","og_site_name":"Togo","article_published_time":"2022-09-05T19:09:32+00:00","article_modified_time":"2022-09-05T19:20:57+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/static.africa-press.net\/togo\/sites\/58\/2022\/09\/postQueueImg_14-63164bfad3e24.jpg","type":"image\/jpeg"}],"author":"cfeditorfr","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"cfeditorfr","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#article","isPartOf":{"@id":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres"},"author":{"name":"cfeditorfr","@id":"https:\/\/www.africa-press.net\/togo\/#\/schema\/person\/2b1cf3cd81a31e3cd26889ca66d677f1"},"headline":"Togo-Inclusion financi\u00e8re, la r\u00e9alit\u00e9 derri\u00e8re les chiffres","datePublished":"2022-09-05T19:09:32+00:00","dateModified":"2022-09-05T19:20:57+00:00","mainEntityOfPage":{"@id":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres"},"wordCount":469,"commentCount":0,"image":{"@id":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#primaryimage"},"thumbnailUrl":"https:\/\/static.africa-press.net\/togo\/sites\/58\/2022\/09\/postQueueImg_14-63164bfad3e24.jpg","keywords":["Africa Press","Africa Press-Togo","chiffres performants","contexte socio \u00e9conomiques d\u00e9cevant","Featured","inclusion financi\u00e8re Togo","Togo"],"articleSection":["\u00c9conomie","homepage-french","Toutes les actualit\u00e9s"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres","url":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres","name":"Togo-Inclusion financi\u00e8re, la r\u00e9alit\u00e9 derri\u00e8re les chiffres - Togo","isPartOf":{"@id":"https:\/\/www.africa-press.net\/togo\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#primaryimage"},"image":{"@id":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#primaryimage"},"thumbnailUrl":"https:\/\/static.africa-press.net\/togo\/sites\/58\/2022\/09\/postQueueImg_14-63164bfad3e24.jpg","datePublished":"2022-09-05T19:09:32+00:00","dateModified":"2022-09-05T19:20:57+00:00","author":{"@id":"https:\/\/www.africa-press.net\/togo\/#\/schema\/person\/2b1cf3cd81a31e3cd26889ca66d677f1"},"description":"Le syst\u00e8me financier doit \u00eatre au service de l\u2019\u00e9panouissement de l\u2019homme. L\u2019inverse est une pure folie de la soci\u00e9t\u00e9 ...","breadcrumb":{"@id":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#primaryimage","url":"https:\/\/static.africa-press.net\/togo\/sites\/58\/2022\/09\/postQueueImg_14-63164bfad3e24.jpg","contentUrl":"https:\/\/static.africa-press.net\/togo\/sites\/58\/2022\/09\/postQueueImg_14-63164bfad3e24.jpg","width":1200,"height":800,"caption":"Togo-Inclusion financi\u00e8re, la r\u00e9alit\u00e9 derri\u00e8re les chiffres"},{"@type":"BreadcrumbList","@id":"https:\/\/www.africa-press.net\/togo\/economie\/togo-inclusion-financiere-la-realite-derriere-les-chiffres#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.africa-press.net\/togo\/"},{"@type":"ListItem","position":2,"name":"Togo-Inclusion financi\u00e8re, la r\u00e9alit\u00e9 derri\u00e8re les chiffres"}]},{"@type":"WebSite","@id":"https:\/\/www.africa-press.net\/togo\/#website","url":"https:\/\/www.africa-press.net\/togo\/","name":"Togo","description":"Just another Africa News Agency Sites site","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.africa-press.net\/togo\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/www.africa-press.net\/togo\/#\/schema\/person\/2b1cf3cd81a31e3cd26889ca66d677f1","name":"cfeditorfr"}]}},"_links":{"self":[{"href":"https:\/\/www.africa-press.net\/togo\/wp-json\/wp\/v2\/posts\/10505","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.africa-press.net\/togo\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.africa-press.net\/togo\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.africa-press.net\/togo\/wp-json\/wp\/v2\/users\/82"}],"replies":[{"embeddable":true,"href":"https:\/\/www.africa-press.net\/togo\/wp-json\/wp\/v2\/comments?post=10505"}],"version-history":[{"count":0,"href":"https:\/\/www.africa-press.net\/togo\/wp-json\/wp\/v2\/posts\/10505\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.africa-press.net\/togo\/wp-json\/wp\/v2\/media\/10504"}],"wp:attachment":[{"href":"https:\/\/www.africa-press.net\/togo\/wp-json\/wp\/v2\/media?parent=10505"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.africa-press.net\/togo\/wp-json\/wp\/v2\/categories?post=10505"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.africa-press.net\/togo\/wp-json\/wp\/v2\/tags?post=10505"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}