{"id":1661,"date":"2021-08-09T20:12:45","date_gmt":"2021-08-09T20:12:45","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=1661"},"modified":"2021-08-09T20:13:05","modified_gmt":"2021-08-09T20:13:05","slug":"impact-de-la-covid-19-sur-la-microfinance-au-senegal-lequation-du-remboursement-des-creances","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=1661","title":{"rendered":"Impact de la Covid-19 sur la Microfinance au S\u00e9n\u00e9gal L\u2019\u00e9quation du remboursement des cr\u00e9ances"},"content":{"rendered":"<p><strong>L\u2019\u00e9tude r\u00e9alis\u00e9e par la Direction &nbsp;de la R\u00e9glementation et de la Supervision des Syst\u00e8mes financiers d\u00e9centralis\u00e9s (DRS-SFD), rel\u00e8ve un d\u00e9faut de remboursement des cr\u00e9ances dans les secteurs du commerce, des restaurants et des h\u00f4tels entre autres.<\/strong><\/p>\n<p>Le recouvrement des dettes dans le secteur de la microfinance figure en bonne place dans le diagnostic fait, par la DRS-SDF sur l\u2019ann\u00e9e 2020. En effet, l\u2019\u00e9tude de la DRS-SFD indique que le commerce, la restauration et l\u2019h\u00f4tellerie constituent les activit\u00e9s les plus d\u00e9faillantes pour le remboursement de leurs cr\u00e9dits. Dans le d\u00e9tail, l\u2019\u00e9tude informe que 82% des SFD \u00ab&nbsp;d\u00e9clarent avoir enregistr\u00e9 des difficult\u00e9s pour recouvrer les sommes inject\u00e9es aupr\u00e8s des agents \u00e9conomiques \u00e9voluant dans ces sous-secteurs. Sur ce chapitre des d\u00e9faillances not\u00e9es dans le remboursement des cr\u00e9dits, les SFD citent \u00e0 62% les activit\u00e9s de transport et assimil\u00e9es&nbsp;; ensuite pour 59% le secteur agricole. Seul satisf\u00e9cit constat\u00e9 par l\u2019\u00e9tude de la DRS-SFD, les agents du secteur secondaire, du BTP et de l\u2019\u00e9nergie, \u00ab&nbsp;ont \u00e9t\u00e9 quasiment \u00e9pargn\u00e9s par le d\u00e9faut de remboursement \u00bb.<\/p>\n<p><strong>Report d\u2019\u00e9ch\u00e9ances comme alternatives<\/strong><\/p>\n<p>Selon l\u2019\u00e9tude de la DRS-SFD, en application \u00e0 la mesure de l\u2019autorit\u00e9 mon\u00e9taire relative&nbsp; aux possibilit\u00e9s d\u2019accorder des reports d\u2019\u00e9ch\u00e9ances, \u00ab&nbsp;trois b\u00e9n\u00e9ficiaires de cr\u00e9dit sur quatre ont eu \u00e0 faire la demande aupr\u00e8s des SFD, avec des taux de satisfaction qui varient selon le type d\u2019activit\u00e9s&nbsp;\u00bb. Ainsi, l\u2019\u00e9tude montre que le secteur \u00ab commerce, h\u00f4tels, et restaurants \u00bb a \u00e9t\u00e9 le plus demandeur de reports d\u2019\u00e9ch\u00e9ances dont les acteurs ont sollicit\u00e9 84% des SFD. Il est suivi par les activit\u00e9s de \u00ab transports, entrep\u00f4ts et communication \u00bb dont leur demande a concern\u00e9 70% des institutions interrog\u00e9es. D\u2019apr\u00e8s la DRS-SFD,&nbsp;\u00ab&nbsp; le taux \u00e9lev\u00e9 de mise en \u0153uvre de la mesure a fait porter les cr\u00e9dits immobilis\u00e9s \u00e0 112, 4&nbsp; milliards FCFA au 3<sup>\u00e8me<\/sup>trimestre &nbsp;de 2020, soit 4,3 fois plus que son niveau enregistr\u00e9 au trimestre pr\u00e9c\u00e9dent. Cette hausse s\u2019est poursuivie jusqu\u2019\u00e0 la fin de l\u2019ann\u00e9e o\u00f9 le montant total de ce type de cr\u00e9dit s\u2019est \u00e9tabli \u00e0 129,5 milliards FCFA. Cette situation a fait que \u00ab&nbsp; le montant brut des cr\u00e9ances en souffrance est pass\u00e9 de 145,2 milliards FCFA \u00e0 fin 2019 \u00e0 un pic 268,4 milliards FCFA au 3\u00e8me trimestre 2020, avant de se situer \u00e0 229 milliards FCFA \u00e0 fin 2020. Ce qui traduit une forte d\u00e9gradation du portefeuille des SFD en 2020&nbsp;\u00bb.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Moustapha Dia<\/strong><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019\u00e9tude r\u00e9alis\u00e9e par la Direction &nbsp;de la R\u00e9glementation et de la Supervision des Syst\u00e8mes financiers d\u00e9centralis\u00e9s (DRS-SFD), rel\u00e8ve un d\u00e9faut de remboursement des cr\u00e9ances dans&#8230;<\/p>\n","protected":false},"author":2,"featured_media":1662,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[23,10],"tags":[],"class_list":["post-1661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-infos-eco","wpcat-23-id","wpcat-10-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Impact de la Covid-19 sur la Microfinance au S\u00e9n\u00e9gal L\u2019\u00e9quation du remboursement des cr\u00e9ances - 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