{"id":48115,"date":"2026-03-11T18:37:52","date_gmt":"2026-03-11T18:37:52","guid":{"rendered":"https:\/\/www.africa-press.net\/togo\/politique\/togo-adopte-une-loi-pour-encadrer-la-microfinance"},"modified":"2026-03-14T19:33:45","modified_gmt":"2026-03-14T19:33:45","slug":"togo-adopte-une-loi-pour-encadrer-la-microfinance","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/togo\/economie\/togo-adopte-une-loi-pour-encadrer-la-microfinance","title":{"rendered":"Togo Adopte Une Loi Pour Encadrer La Microfinance"},"content":{"rendered":"<p><span class=\"ap-article-header-tag\"> <strong>Africa-Press &#8211; Togo. <\/strong> <\/span>L\u2019Assemble\u0301e nationale togolaise a adopte\u0301, mardi 10 mars 2026, une nouvelle loi destine\u0301e a\u0300 encadrer et moderniser le secteur de la microfinance au Togo. Le texte, compose\u0301 de 174 articles, vise a\u0300 ame\u0301liorer la gouvernance des institutions de microfinance, renforcer la protection des de\u0301posants et favoriser une meilleure inclusion financie\u0300re.<\/p>\n<p>Cette re\u0301forme intervient dans un contexte ou\u0300 les institutions de microfinance jouent un ro\u0302le croissant dans l\u2019acce\u0300s aux services financiers pour les populations, notamment les petits commerc\u0327ants, artisans et acteurs du secteur informel.<\/p>\n<p>De\u0301couvre cette offre exceptionnelle de deux chambres, un salon meuble\u0301 et climatise\u0301 avec cuisine, WC douche interne inclus situe\u0301 a\u0300 Adigogome\u0301 Yokoe\u0300 Carrefour Kope\u0301gan non loin de la frontie\u0300re TOGO-GHANA<\/p>\n<p>La nouvelle loi introduit plusieurs dispositions visant a\u0300 renforcer la cre\u0301dibilite\u0301 et la transparence du secteur. Elle impose notamment des exigences plus strictes en matie\u0300re de gouvernance, de gestion et de supervision des institutions de microfinance.<\/p>\n<p>Les structures ope\u0301rant dans ce domaine devront de\u0301sormais mettre en place des me\u0301canismes de contro\u0302le interne plus rigoureux, afin de garantir une gestion saine et de pre\u0301venir les de\u0301rives observe\u0301es ces dernie\u0300res anne\u0301es dans certaines institutions.<\/p>\n<p>Le texte pre\u0301voit e\u0301galement un renforcement des mesures de lutte contre le blanchiment d\u2019argent et le financement du terrorisme, une exigence devenue centrale dans la re\u0301gulation des syste\u0300mes financiers a\u0300 l\u2019e\u0301chelle internationale.<\/p>\n<p>Parmi les innovations majeures de cette re\u0301forme figure l\u2019introduction de dispositions permettant la pratique de la finance islamique dans le secteur de la microfinance. Cette option vise a\u0300 diversifier les produits financiers disponibles et a\u0300 e\u0301largir l\u2019acce\u0300s au financement pour certaines cate\u0301gories d\u2019acteurs e\u0301conomiques.<\/p>\n<p>La loi adopte\u0301e par les de\u0301pute\u0301s togolais s\u2019inscrit e\u0301galement dans une dynamique d\u2019harmonisation re\u0301gionale. Elle s\u2019aligne sur la loi uniforme adopte\u0301e en 2023 par l\u2019Union e\u0301conomique et mone\u0301taire ouest-africaine (UEMOA), qui vise a\u0300 moderniser le cadre juridique de la microfinance dans les pays membres.<\/p>\n<p>Cette harmonisation a pour objectif de corriger les insuffisances constate\u0301es dans la gestion et le contro\u0302le des institutions de microfinance, tout en renforc\u0327ant la stabilite\u0301 du secteur a\u0300 l\u2019e\u0301chelle re\u0301gionale.<\/p>\n<p>Avec cette re\u0301forme, les autorite\u0301s togolaises entendent ainsi assainir et professionnaliser davantage le secteur, afin de renforcer la confiance des usagers et de consolider le ro\u0302le de la microfinance dans le financement de l\u2019e\u0301conomie locale.<\/p>\n<p class=\"ap-article-footer-note\">Retrouvez plus d\u2019actualit\u00e9s et d\u2019analyses sur <span class=\"ap-highlight-country\">Togo<\/span> sur le site <span class=\"ap-highlight-brand\">Africa Press<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Africa-Press &#8211; Togo. L\u2019Assemble\u0301e nationale togolaise a adopte\u0301, mardi 10 mars 2026, une nouvelle loi destine\u0301e a\u0300 encadrer et moderniser le secteur de la microfinance au Togo. Le texte, compose\u0301 de 174 articles, vise a\u0300 ame\u0301liorer la gouvernance des institutions de microfinance, renforcer la protection des de\u0301posants et favoriser une meilleure inclusion financie\u0300re. Cette re\u0301forme [&hellip;]<\/p>\n","protected":false},"author":82,"featured_media":48114,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,10],"tags":[50],"class_list":["post-48115","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-toutes-les-actualites","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 Adopte Une Loi Pour Encadrer La Microfinance - Togo<\/title>\n<meta name=\"description\" content=\"-article-header-tag&quot;&gt; Africa-Press - Togo. 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