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App\Entity\News {#571
  -id: 19841
  -type: Doctrine\ORM\PersistentCollection {#582 …}
  -user: Proxies\__CG__\App\Entity\User {#678 …}
  -titre: "Epargne communautaire et crédit solidaire : l’Anssfd renforce le dialogue avec les Ong internationales"
  -description: """
    <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:14.0pt"><span style="font-family:&quot;Bookman Old Style&quot;,serif">L&rsquo;Agence Nationale de Surveillance des Syst&egrave;mes Financiers D&eacute;centralis&eacute;s (Anssfd) du B&eacute;nin a organis&eacute; une rencontre strat&eacute;gique avec les repr&eacute;sentants d&rsquo;ONG internationales le mercredi 16 avril 2025 dans ses locaux. Les repr&eacute;sentants d&rsquo;ONG internationales op&eacute;rant dans le domaine de l&rsquo;&eacute;pargne communautaire et du cr&eacute;dit solidaire &eacute;taient pr&eacute;sents.</span></span></span></span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
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    <p><span style="font-size:11pt"><span style="background-color:white"><span style="font-family:Calibri,sans-serif"><span style="font-size:14.0pt"><span style="font-family:&quot;Bookman Old Style&quot;,serif">La rencontre qui s&rsquo;est tenu dans un contexte de r&eacute;forme du cadre r&eacute;glementaire de la microfinance dans l&rsquo;espace UEMOA a pour objectif de clarifier les dispositions l&eacute;gales en vigueur et initier une dynamique de collaboration pour un mod&egrave;le de microfinance conforme et durable. Le but &eacute;tait de mettre fin &agrave; l&rsquo;incompr&eacute;hension entre r&eacute;gulateur et partenaires du d&eacute;veloppement, et b&acirc;tir un cadre normatif qui permette aux initiatives de microfinance sociale de prosp&eacute;rer sans enfreindre la loi. En r&eacute;alit&eacute;, l&rsquo;Anssfd agit depuis ao&ucirc;t 2024 sous mandat du ministre d&rsquo;&Eacute;tat en charge des Finances pour superviser les activit&eacute;s des institutions financi&egrave;res d&eacute;centralis&eacute;es, y compris celles men&eacute;es indirectement par des ONG. </span></span></span></span></span></p>\r\n
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    <p><span style="font-size:11pt"><span style="background-color:white"><span style="font-family:Calibri,sans-serif"><span style="font-size:14.0pt"><span style="font-family:&quot;Bookman Old Style&quot;,serif">Selon le Philippe Dahoui, Directeur g&eacute;n&eacute;ral de l&rsquo;Anssfd, depuis la r&eacute;forme de 2007, confirm&eacute;e par la loi communautaire de 2012 transpos&eacute;e au B&eacute;nin, toute activit&eacute; li&eacute;e &agrave; la collecte de l&rsquo;&eacute;pargne ou &agrave; l&rsquo;octroi de cr&eacute;dit doit imp&eacute;rativement &ecirc;tre conduite par une institution agr&eacute;&eacute;e. Il a indiqu&eacute; que la nouvelle loi UEMOA de d&eacute;cembre 2023, en cours de promulgation dans plusieurs pays de la sous-r&eacute;gion, vient renforcer cette exigence. </span></span></span></span></span></p>\r\n
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    <p><span style="font-size:11pt"><span style="background-color:white"><span style="font-family:Calibri,sans-serif"><span style="font-size:14.0pt"><span style="font-family:&quot;Bookman Old Style&quot;,serif">Ainsi, selon ces dires, d&eacute;sormais, seules les soci&eacute;t&eacute;s anonymes ou les soci&eacute;t&eacute;s coop&eacute;ratives &agrave; capital variable avec conseil d&rsquo;administration pourront exercer dans ce domaine. Les SFD de type association ou mutualiste sont proscrits. &laquo; M&ecirc;me le gouvernement b&eacute;ninois ne finance pas directement les b&eacute;n&eacute;ficiaires. Il passe par des institutions de microfinance agr&eacute;&eacute;es. Ce principe s&rsquo;applique &agrave; tous, y compris aux Ong &raquo;, a-t-il fait savoir.</span></span></span></span></span></p>\r\n
    \r\n
    <p><span style="font-size:14.0pt"><span style="font-family:&quot;Bookman Old Style&quot;,serif">Pour ce fait, l&rsquo;ANSSFD propose donc une voie l&eacute;gale et constructive. Les ONG peuvent signer des conventions sp&eacute;cifiques avec des SFD agr&eacute;&eacute;s dans leurs zones d&rsquo;intervention. Ces accords peuvent porter sur des cr&eacute;dits solidaires &agrave; taux r&eacute;duits (voire nuls), la gestion de comptes collectifs pour les groupements de femmes ou de jeunes, ou encore l&rsquo;utilisation des SFD comme relais techniques pour encadrer les b&eacute;n&eacute;ficiaires.</span></span></p>
    """
  -source: "ORISHAS FINANCE"
  -date: DateTime @1744848000 {#568
    date: 2025-04-17 00:00:00.0 UTC (+00:00)
  }
  -heure: null
  -image: "91e1aaf45131ae29d673595e3d2b3945.jpg"
  -created_at: DateTime @1744911017 {#569
    date: 2025-04-17 17:30:17.0 UTC (+00:00)
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  -commentaires: Doctrine\ORM\PersistentCollection {#667 …}
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  -titre_en: "Community savings and solidarity credit: Anssfd strengthens dialogue with international NGOs"
  -description_en: """
    <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:14.0pt"><span style="font-family: "Bookman Old Style”, serif">The National Agency for Supervision of Decentralized Financial Systems (Anssfd) of Benin organized a strategic meeting with representatives of international NGOs on Wednesday, April 16, 2025 on its premises on Wednesday, April 16, 2025. Representatives of international NGOs operating in the field of community savings and solidarity credit were present.</span></span></span></span></p>\r\n
    \r\n
    <p></p>\r\n
    \r\n
    <p><span style="font-size:11pt"><span style="background-color:white"><span style="font-family:Calibri,sans-serif"><span style="font-size:14.0pt"><span style="font-family: "Bookman Old Style”, serif">The meeting, which was held in the context of the reform of the regulatory framework for microfinance in the UEMOA region, aims to clarify the legal provisions in force and to initiate a dynamic of collaboration for a compliant and sustainable microfinance model. The aim was to end the misunderstanding between regulators and development partners, and to build a normative framework that allows social microfinance initiatives to thrive without breaking the law. In reality, the Anssfd has been acting since August 2024 under the mandate of the Minister of State in charge of Finance to supervise the activities of decentralized financial institutions, including those carried out indirectly by NGOs</span></span></span></span></span></p>.\r\n
    \r\n
    <p><span style="font-size:11pt"><span style="background-color:white"><span style="font-family:Calibri,sans-serif"><span style="font-size:14.0pt"><span style="font-family: "Bookman Old Style”, serif">According to Philippe Dahoui, Director General of Anssfd, since the 2007 reform, confirmed by the 2012 Community law transposed in Benin, any activity related to the collection of savings or the granting of credit must imperatively be conducted by an approved institution. He said that the new UEMOA law of December 2023, which is currently being enacted in several countries in the sub-region, reinforces</span></span></span></span></span></p> this requirement.\r\n
    \r\n
    <p><span style="font-size:11pt"><span style="background-color:white"><span style="font-family:Calibri,sans-serif"><span style="font-size:14.0pt"><span style="font-family: "Bookman Old Style”, serif">So, according to these statements, henceforth, only limited companies or cooperative companies with variable capital with boards of directors will be able to operate in this field. SFDs such as associations or mutualists are prohibited. “Even the Beninese government does not fund the beneficiaries directly. It goes through authorized microfinance institutions. This principle applies to everyone, including NGOs,” he said.</span></span></span></span></span></p>\r\n
    \r\n
    <p><span style="font-size:14.0pt"><span style="font-family: "Bookman Old Style”, serif">For this reason, the ANSSFD therefore proposes a legal and constructive path. NGOs can sign specific agreements with approved SFDs in their areas of intervention. These agreements may relate to solidarity loans at reduced (or even zero) rates, the management of collective accounts for groups of women or young people, or the use of SFDs as technical relays to</span></span></p> supervise beneficiaries.
    """
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