{"id":18467,"date":"2025-11-05T16:11:32","date_gmt":"2025-11-05T15:11:32","guid":{"rendered":"https:\/\/www.microfinanza.com\/?page_id=18467"},"modified":"2025-11-05T16:20:58","modified_gmt":"2025-11-05T15:20:58","slug":"gestion-fonds-inclusion-financiere","status":"publish","type":"page","link":"https:\/\/www.microfinanza.com\/fr\/services-et-outils\/gestion-fonds-inclusion-financiere\/","title":{"rendered":"Gestion d&rsquo;instruments pour l\u2019inclusion financi\u00e8re"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; custom_padding_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; background_color=\u00a0\u00bb#d6d6d6&Prime; use_background_color_gradient=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_direction=\u00a0\u00bb360deg\u00a0\u00bb background_color_gradient_stops=\u00a0\u00bbrgba(76,86,93,0.5) 60%|rgba(255,255,255,0.5) 100%\u00a0\u00bb background_color_gradient_overlays_image=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_start=\u00a0\u00bbrgba(76,86,93,0.5)\u00a0\u00bb background_color_gradient_start_position=\u00a0\u00bb60%\u00a0\u00bb background_color_gradient_end=\u00a0\u00bbrgba(255,255,255,0.5)\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/www.microfinanza.com\/wp-content\/uploads\/2025\/11\/Fund-management.png\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px|\u00a0\u00bb custom_padding=\u00a0\u00bb100px||100px|\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb50px||50px|\u00a0\u00bb custom_padding_phone=\u00a0\u00bb\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb title_text=\u00a0\u00bbFund management\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;][et_pb_row column_structure=\u00a0\u00bb2_3,1_3&Prime; custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb module_class=\u00a0\u00bbhome_slide_row\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; custom_padding=\u00a0\u00bb0|0px|27px|0px|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb0px|0px|0|0px|false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb2_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.27.4&Prime; text_font=\u00a0\u00bb||||||||\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Nos services<\/h3>\n<p><\/p>\n<h1>Gestion d&rsquo;instruments pour l\u2019inclusion financi\u00e8re<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; custom_padding_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; custom_margin=\u00a0\u00bb0px||0px|\u00a0\u00bb custom_padding=\u00a0\u00bb100px||80px||false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb50px||0px||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb1_2,1_2&Prime; module_class=\u00a0\u00bbcolumn-collapse\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; custom_margin=\u00a0\u00bb0px|||\u00a0\u00bb custom_padding=\u00a0\u00bb10px||50px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb4.16&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.27.4&Prime; custom_padding=\u00a0\u00bb||0px|||\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb||30px\u00a0\u00bb custom_padding_phone=\u00a0\u00bb\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Dans de nombreux contextes \u00e0 faibles revenus, les petites entreprises, les coop\u00e9ratives agricoles et les activit\u00e9s informelles rencontrent des difficult\u00e9s \u00e0 acc\u00e9der \u00e0 des ressources financi\u00e8res ad\u00e9quates. Cela est souvent d\u00fb \u00e0 l\u2019absence de garanties, \u00e0 l&rsquo;absence d\u2019historique de cr\u00e9dit, \u00e0 l\u2019inad\u00e9quation des produits financiers ou \u00e0 une perception de risque \u00e9lev\u00e9e par les acteurs traditionnels.<\/p>\n<p><\/p>\n<p><strong>Microfinanza con\u00e7oit et g\u00e8re des instruments financiers structur\u00e9s pour surmonter ces obstacles \u00e0 l\u2019acc\u00e8s au cr\u00e9dit.<\/strong> Nous collaborons avec des bailleurs, des institutions publiques et des partenaires locaux pour d\u00e9velopper des m\u00e9canismes innovants et durables : fonds rotatifs, dispositifs de garantie, outils de finance mixte (blended finance).<\/p>\n<p><\/p>\n<p>Nous avons acquis une solide exp\u00e9rience dans la gestion de fonds dans la <strong>r\u00e9gion MENA et en Afrique subsaharienne<\/strong>, en mobilisant des ressources en faveur des agriculteurs, microentreprises, jeunes et femmes dans des contextes fragiles ou dans des zones \u00e0 fort potentiel de d\u00e9veloppement local. Chaque intervention est accompagn\u00e9e d\u2019un appui non financier : formation, assistance technique et accompagnement \u00e0 la formalisation de projets d\u2019investissement.<\/p>\n<p> [\/et_pb_text][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb4.16&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbQuote\u00a0\u00bb module_class=\u00a0\u00bbquote\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; ul_text_color=\u00a0\u00bb#000000&Prime; background_color=\u00a0\u00bb#D6D6D6&Prime; background_layout=\u00a0\u00bbdark\u00a0\u00bb animation_style=\u00a0\u00bbfade\u00a0\u00bb animation_direction=\u00a0\u00bbright\u00a0\u00bb animation_delay=\u00a0\u00bb100ms\u00a0\u00bb border_color_all=\u00a0\u00bbRGBA(255,255,255,0)\u00a0\u00bb saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><span style=\"font-size: large; color: #ba1119;\"><strong>Notre approche<\/strong><\/span><\/p>\n<p><\/p>\n<ul>\n<li><span style=\"font-size: large; color: #000000;\">Analyse du contexte \u00e9conomique et financier et identification des besoins<\/span><\/li>\n<li><span style=\"font-size: large; color: #000000;\">Partenariats avec les acteurs du syst\u00e8me financier local<\/span><\/li>\n<li><span style=\"font-size: large; color: #000000;\">Conception technique des instruments et d\u00e9finition de la gouvernance<\/span><\/li>\n<li><span style=\"font-size: large; color: #000000;\">Gestion op\u00e9rationnelle, accompagnement des parties prenantes, suivi<\/span><\/li>\n<li><span style=\"font-size: large; color: #000000;\">Reporting transparent et \u00e9valuation des r\u00e9sultats et de l\u2019impact<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#BA1119&Prime; custom_padding=\u00a0\u00bb100px|5%|30px|5%|false|true\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb50px||||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb50px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_font=\u00a0\u00bb|||on|||||\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb max_width=\u00a0\u00bb700px\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Domaines d&rsquo;intervention<\/h3>\n<p><\/p>\n<p>Microfinanza est un partenaire technique fiable pour la mise en place et la gestion de fonds \u00e0 impact, avec une approche ax\u00e9e sur l\u2019efficacit\u00e9, la reproductibilit\u00e9 et l\u2019ancrage local.<\/p>\n<p> [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_2,1_2&Prime; custom_padding_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#BA1119&Prime; custom_padding=\u00a0\u00bb|10%|100px|10%|false|true\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb||50px||false|true\u00a0\u00bb custom_padding_phone=\u00a0\u00bb||50px||false|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbInclusion financi\u00e8re en milieu rural\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#x5a;||divi||400&Prime; icon_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb icon_placement=\u00a0\u00bbleft\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_font_size=\u00a0\u00bb16px\u00a0\u00bb body_line_height=\u00a0\u00bb1.3em\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_blurb][et_pb_blurb title=\u00a0\u00bbTransition verte et circulaire\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#x5a;||divi||400&Prime; icon_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb icon_placement=\u00a0\u00bbleft\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_font_size=\u00a0\u00bb16px\u00a0\u00bb body_line_height=\u00a0\u00bb1.3em\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_blurb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbAutonomisation \u00e9conomique, \u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#x5a;||divi||400&Prime; icon_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb icon_placement=\u00a0\u00bbleft\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_font_size=\u00a0\u00bb16px\u00a0\u00bb body_line_height=\u00a0\u00bb1.3em\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>notamment des jeunes et des femmes en zone rurale<\/p>\n<p> [\/et_pb_blurb][et_pb_blurb title=\u00a0\u00bbD\u00e9veloppement des cha\u00eenes de valeur\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#x5a;||divi||400&Prime; icon_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb icon_placement=\u00a0\u00bbleft\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_font_size=\u00a0\u00bb16px\u00a0\u00bb body_line_height=\u00a0\u00bb1.3em\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_button button_url=\u00a0\u00bbmailto:info@microfinanza.com\u00a0\u00bb button_text=\u00a0\u00bbContactez-nous\u00a0\u00bb button_alignment=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; custom_margin=\u00a0\u00bb30px||\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_divider color=\u00a0\u00bb#000000&Prime; _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_divider][et_pb_text _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.microfinanza.com\/fr\/services-et-outils\/\">Revenir \u00e0 l&rsquo;ensemble des services<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nos servicesGestion d&rsquo;instruments pour l\u2019inclusion financi\u00e8re Dans de nombreux contextes \u00e0 faibles revenus, les petites entreprises, les coop\u00e9ratives agricoles et les activit\u00e9s informelles rencontrent des difficult\u00e9s \u00e0 acc\u00e9der \u00e0 des ressources financi\u00e8res ad\u00e9quates. Cela est souvent d\u00fb \u00e0 l\u2019absence de garanties, \u00e0 l&rsquo;absence d\u2019historique de cr\u00e9dit, \u00e0 l\u2019inad\u00e9quation des produits financiers ou \u00e0 une perception [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":18440,"parent":3883,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-18467","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/pages\/18467","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/comments?post=18467"}],"version-history":[{"count":0,"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/pages\/18467\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/pages\/3883"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/media\/18440"}],"wp:attachment":[{"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/media?parent=18467"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}