{"id":2945,"date":"2022-03-26T15:25:26","date_gmt":"2022-03-26T15:25:26","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=2945"},"modified":"2022-03-26T23:56:47","modified_gmt":"2022-03-26T23:56:47","slug":"sfd-le-renforcement-du-niveau-dalphabetisation-financieres-des-clients-recommande","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=2945","title":{"rendered":"SFD : le renforcement du niveau d\u2019alphab\u00e9tisation financi\u00e8res des clients recommand\u00e9"},"content":{"rendered":"<div>Les contraintes du secteur de la microfinance n\u00e9cessitent que les efforts soient davantage orient\u00e9s vers le renforcement du niveau d\u2019alphab\u00e9tisation financi\u00e8re des clients, souligne l\u2019Observatoire de la qualit\u00e9 des services financiers (OQSF), dans son dernier rapport d\u2019activit\u00e9s, comptant pour l\u2019exercice 2021.<\/div>\n<div>Ce document fait \u00e9tat de \u00ab\u00a0constats r\u00e9currents\u00a0\u00bb concernent principalement \u00ab\u00a0les difficult\u00e9s de remboursement de cr\u00e9dit not\u00e9es chez certains segments de clients\u00a0\u00bb, \u00ab\u00a0les m\u00e9thodes de recouvrement jug\u00e9es vexatoires au niveau de certaines institutions de microfinance de grande taille\u00a0\u00bb et \u00ab\u00a0le co\u00fbt jug\u00e9 \u00e9lev\u00e9 des op\u00e9rations d\u00e9plac\u00e9es\u00a0\u00bb.<\/div>\n<div>\u00a0<\/div>\n<div>L\u2019Observatoire de la qualit\u00e9 des services financiers note \u00e9galement \u00ab\u00a0le niveau jug\u00e9 exorbitant du co\u00fbt du cr\u00e9dit\u00a0\u00bb, parmi ces contraintes dont la lev\u00e9e n\u00e9cessite \u00ab\u00a0le renforcement du niveau d\u2019alphab\u00e9tisation financi\u00e8re des clients des SFD notamment en milieu rural \u00e0 travers des actions d\u2019\u00e9ducation financi\u00e8re de masse\u00a0\u00bb.<\/div>\n<div>\u00a0<\/div>\n<div>L\u2019OQSF pr\u00e9conise aussi \u00ab\u00a0la rationalisation graduelle de la tarification appliqu\u00e9e aux clients des SFD \u00e0 travers l\u2019\u00e9tablissement d\u2019une liste concert\u00e9e de services \u00e0 offrir \u00e0 titre gratuit ou \u00e0 co\u00fbt mod\u00e9r\u00e9 par les institutions de microfinance\u00a0\u00bb.<\/div>\n<div>\u00a0<\/div>\n<div>Il recommande \u00e9galement \u00ab\u00a0l\u2019\u00e9tablissement d\u2019un canevas harmonis\u00e9 des frais et commissions appliqu\u00e9s \u00e0 la client\u00e8le de grands r\u00e9seaux en vue d\u2019assurer une meilleure transparence financi\u00e8re et une comparabilit\u00e9 des \u00e9l\u00e9ments de co\u00fbts attach\u00e9s\u00a0\u00bb.<\/div>\n<div>\u00a0<\/div>\n<div>Au titre de ses activit\u00e9s, l\u2019OQSF renseigne que 201 dossiers ont \u00e9t\u00e9 soumis \u00e0 sa m\u00e9diation financi\u00e8re par les clients et usagers \u00ab\u00a0dont cent cinquante-cinq (155) pour la M\u00e9diation des banques, des SFD et de La Poste et quarante-six (46) pour la M\u00e9diation des assurances\u00a0\u00bb.<\/div>\n<div>\u00a0<\/div>\n<div>S\u2019y ajoutent que les appels des clients et usagers au nombre de six cent soixante et un (661) concernant diverses requ\u00eates sur la relation commerciale, note l\u2019OQSF, ajoutant que les \u00e9clairages et conseils des experts \u00ab\u00a0ont permis de diminuer le volume des saisines formalis\u00e9es\u00a0\u00bb.<\/div>\n<div>\u00a0<\/div>\n<div>Cr\u00e9\u00e9 en 2009, l\u2019OQSF a en charge le suivi de la qualit\u00e9 des services financiers offerts aux usagers et aux clients, et de la promotion de l\u2019inclusion financi\u00e8re des populations.<\/div>\n<div>\u00a0<\/div>\n<div>La vulgarisation de l\u2019\u00e9ducation financi\u00e8re de masse, ainsi que la protection des clients et usagers \u00e0 travers le dispositif de m\u00e9diation financi\u00e8re, font \u00e9galement partie de ses missions.<\/div>\n<div>\u00a0<\/div>\n<div><strong>APS<\/strong><\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les contraintes du secteur de la microfinance n\u00e9cessitent que les efforts soient davantage orient\u00e9s vers le renforcement du niveau d\u2019alphab\u00e9tisation financi\u00e8re des clients, souligne l\u2019Observatoire&#8230;<\/p>\n","protected":false},"author":1,"featured_media":2946,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8,10],"tags":[],"class_list":["post-2945","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite-economique","category-infos-eco","wpcat-8-id","wpcat-10-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - 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