{"id":18507,"date":"2025-11-05T17:38:20","date_gmt":"2025-11-05T16:38:20","guid":{"rendered":"https:\/\/www.microfinanza.com\/?page_id=18507"},"modified":"2025-11-17T11:44:54","modified_gmt":"2025-11-17T10:44:54","slug":"finance-rurale-et-innovation-pour-le-developpement","status":"publish","type":"page","link":"https:\/\/www.microfinanza.com\/fr\/services-et-outils\/finance-rurale-et-innovation-pour-le-developpement\/","title":{"rendered":"Finance rurale et innovation pour le d\u00e9veloppement"},"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\/rural-finance-ethiopia-2.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\u00bbrural finance ethiopia 2&Prime; background_position=\u00a0\u00bbcenter_left\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>Finance rurale et innovation pour le d\u00e9veloppement<\/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>Les \u00e9conomies rurales demeurent parmi les moins desservies par les syst\u00e8mes financiers formels, malgr\u00e9 leur r\u00f4le essentiel dans la s\u00e9curit\u00e9 alimentaire, la valorisation des produits locaux et la cr\u00e9ation d\u2019emplois.<\/p>\n<p><\/p>\n<p><strong>Microfinanza s\u2019engage \u00e0 innover les mod\u00e8les d\u2019acc\u00e8s au cr\u00e9dit et aux services non financiers en milieu rural<\/strong>, en d\u00e9veloppant des solutions adapt\u00e9es aux sp\u00e9cificit\u00e9s des territoires, des secteurs et des cha\u00eenes de valeur.<\/p>\n<p><\/p>\n<p>Nous concevons et accompagnons <strong>des solutions techniques et des dispositifs financiers<\/strong> visant \u00e0 renforcer la productivit\u00e9, \u00e0 am\u00e9liorer la gestion des ressources naturelles et \u00e0 favoriser l\u2019int\u00e9gration \u00e9conomique des agriculteurs, des coop\u00e9ratives et des microentreprises.<\/p>\n<p><\/p>\n<p>Pour nous, <strong>la finance rurale est un levier de transformation<\/strong>, et non une forme d\u2019assistance. Elle permet de valoriser les comp\u00e9tences locales, les ressources endog\u00e8nes et de cr\u00e9er des opportunit\u00e9s \u00e9conomiques durables.<\/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>Th\u00e9mathiques cl\u00e9s<\/strong><\/span><\/p>\n<p><\/p>\n<ul>\n<li><span style=\"font-size: large; color: #000000;\">Innovation financi\u00e8re dans le secteur agricole <\/span><\/li>\n<li><span style=\"font-size: large; color: #000000;\">\u00c9conomies rurales, transformation et int\u00e9gration des cha\u00eenes de valeur <\/span><\/li>\n<li><span style=\"font-size: large; color: #000000;\">Digitalisation des services et des canaux de distribution<\/span><\/li>\n<li><span style=\"font-size: large; color: #000000;\">Finance pour l\u2019efficacit\u00e9 hydrique et la production durable<\/span><\/li>\n<li><span style=\"font-size: large; color: #000000;\">Plates-formes de d\u00e9veloppement local pour une offre int\u00e9gr\u00e9e de services<\/span><\/li>\n<li><span style=\"font-size: large; color: #000000;\">Inclusion \u00e9conomique des jeunes et des femmes en zones rurales<\/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 mobilise des <strong>comp\u00e9tences analytiques, techniques et op\u00e9rationnelles<\/strong> pour fournir des solutions concr\u00e8tes aux institutions financi\u00e8res, programmes publics et r\u00e9seaux d\u2019entreprises rurales. Nous travaillons \u00e0 d\u00e9ployer des outils innovants, en construisant des mod\u00e8les robustes, test\u00e9s sur le terrain, et reproductibles \u00e0 l\u2019\u00e9chelle locale et r\u00e9gionale.<\/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%|26px|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\u00bbAppui aux cha\u00eenes de valeur agroalimentaires et artisanales\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>Analyse des cha\u00eenes de valeur et conception d\u2019interventions int\u00e9gr\u00e9es : acc\u00e8s au cr\u00e9dit, formation, acc\u00e8s aux march\u00e9s locaux et syst\u00e8mes de certification.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=\u00a0\u00bbBilan hydrique et usage efficace des ressources environnementales\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>Mise en place d\u2019outils pour analyser et optimiser l\u2019usage de l\u2019eau dans les productions rurales, y compris la mobilisation de financements pour des technologies et pratiques adapt\u00e9es.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=\u00a0\u00bbInt\u00e9gration avec les programmes d\u2019investissement public\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>Collaboration avec les agences de d\u00e9veloppement et les autorit\u00e9s locales pour articuler la finance rurale avec les politiques agricoles, environnementales et de coh\u00e9sion territoriale.<\/p>\n<p>[\/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\u00bbD\u00e9veloppement de produits financiers sur mesure\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>Instruments de cr\u00e9dit flexibles adapt\u00e9s aux besoins du secteur agricole et agroalimentaire ; outils de r\u00e9duction des risques ; m\u00e9canismes de finance mixte (blended finance).<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=\u00a0\u00bbAssistance technique aux institutions financi\u00e8res rurales\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>Appui \u00e0 la d\u00e9finition de strat\u00e9gies, \u00e0 la conception de nouveaux produits financiers et \u00e0 l\u2019organisation institutionnelle des acteurs souhaitant d\u00e9velopper un portefeuille agricole et halieutique.<\/p>\n<p>[\/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\u00bbContact us\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;\"><strong><a href=\"https:\/\/www.microfinanza.com\/fr\/services-et-outils\/\">Revenir \u00e0 l\u2019ensemble des services<\/a><\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nos servicesFinance rurale et innovation pour le d\u00e9veloppement Les \u00e9conomies rurales demeurent parmi les moins desservies par les syst\u00e8mes financiers formels, malgr\u00e9 leur r\u00f4le essentiel dans la s\u00e9curit\u00e9 alimentaire, la valorisation des produits locaux et la cr\u00e9ation d\u2019emplois.Microfinanza s\u2019engage \u00e0 innover les mod\u00e8les d\u2019acc\u00e8s au cr\u00e9dit et aux services non financiers en milieu rural, en [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":19186,"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-18507","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/pages\/18507","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=18507"}],"version-history":[{"count":0,"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/pages\/18507\/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\/19186"}],"wp:attachment":[{"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/media?parent=18507"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}