{"id":108288,"date":"2026-03-26T00:00:00","date_gmt":"2026-03-25T21:00:00","guid":{"rendered":"https:\/\/www.capmad.com\/news\/%news-category%\/outre-mer-familles-et-entreprises-sous-tension-financiere\/"},"modified":"2026-03-26T11:01:56","modified_gmt":"2026-03-26T08:01:56","slug":"outre-mer-familles-et-entreprises-sous-tension-financiere","status":"publish","type":"news","link":"https:\/\/www.capmad.com\/fr\/news\/economie-fr\/outre-mer-familles-et-entreprises-sous-tension-financiere\/","title":{"rendered":"Outre-mer : familles et entreprises sous tension financi\u00e8re"},"content":{"rendered":"<h2><b>Le surendettement invisible de Mayotte<\/b><\/h2>\n<p><b>Le montant total des dettes dans les Outre-mer atteint 122 millions d\u2019euros, en hausse de 26,5 % par rapport \u00e0 l\u2019an dernier, r\u00e9v\u00e8le l\u2019\u00e9tude 2025 de l\u2019Institut d\u2019\u00e9mission des d\u00e9partements d\u2019Outre-mer (IEDOM).<\/b><\/p>\n<p>Cette augmentation rapide montre que le surendettement atteint un \u00ab pic historique \u00bb dans un contexte \u00e9conomique difficile, marqu\u00e9 par un march\u00e9 de l\u2019emploi peu dynamique et des tensions financi\u00e8res pour les m\u00e9nages et les entreprises.<\/p>\n<p>En 2025, 3.915 dossiers ont \u00e9t\u00e9 d\u00e9pos\u00e9s, soit 20,2 % de plus qu\u2019en 2024, et la hausse atteint 75 % sur dix ans. L\u2019endettement global progresse donc plus vite que le nombre de dossiers, signe que les tensions financi\u00e8res deviennent importantes et touchent de plus en plus de familles.<\/p>\n<p>Les m\u00e9nages concern\u00e9s sont souvent d\u00e9j\u00e0 fragiles. Beaucoup vivent sous le seuil de pauvret\u00e9, sont confront\u00e9s \u00e0 des impr\u00e9vus ou ont du mal \u00e0 g\u00e9rer leur budget. Plus de la moiti\u00e9 n\u2019a aucune capacit\u00e9 de remboursement, et 86 % disposent d\u2019un patrimoine inf\u00e9rieur \u00e0 2.000 euros. Le surendettement touche surtout des personnes seules ou des familles monoparentales, majoritairement des femmes avec de faibles revenus. Dans ces conditions, la perte d\u2019emploi, un probl\u00e8me de sant\u00e9 ou une s\u00e9paration peut vite provoquer une situation critique.<\/p>\n<p>Mayotte illustre un paradoxe particulier. Le territoire enregistre le taux le plus faible de d\u00e9p\u00f4ts : seulement 29 dossiers pour 100.000 habitants. Pourtant, 77,3 % de la population vit sous le seuil de pauvret\u00e9. L\u2019IEDOM explique cette situation par une solidarit\u00e9 familiale tr\u00e8s forte et une m\u00e9connaissance des dispositifs de surendettement. \u00c0 Mayotte, le surendettement n\u2019a pas disparu : il se cache dans les r\u00e9seaux familiaux, se reporte dans le temps ou reste non d\u00e9clar\u00e9.<\/p>\n<p>Le contexte local rend la situation encore plus fragile. Apr\u00e8s le cyclone Chido de d\u00e9cembre 2024, l\u2019activit\u00e9 \u00e9conomique a connu un \u00ab rebond technique \u00bb, mais la reprise reste pr\u00e9caire.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le surendettement invisible de Mayotte Le montant total des dettes dans les Outre-mer atteint 122 millions d\u2019euros, en hausse de 26,5 % par rapport \u00e0 l\u2019an<span class=\"excerpt-hellip\">\u2026<\/span><\/p>\n","protected":false},"author":76,"featured_media":108290,"comment_status":"open","ping_status":"open","template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"news-category":[7989],"news-location":[8020],"class_list":["post-108288","news","type-news","status-publish","format-standard","has-post-thumbnail","hentry","news-category-economie-fr","news-location-mayotte-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v25.4) - 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