{"id":66257,"date":"2024-03-25T14:02:53","date_gmt":"2024-03-25T11:02:53","guid":{"rendered":"https:\/\/capmad.com\/inclusion-financiere-au-kenya-success-story-de-m-pesa\/"},"modified":"2024-03-25T14:03:01","modified_gmt":"2024-03-25T11:03:01","slug":"inclusion-financiere-au-kenya-success-story-de-m-pesa","status":"publish","type":"post","link":"https:\/\/www.capmad.com\/fr\/technologie-fr\/inclusion-financiere-au-kenya-success-story-de-m-pesa\/","title":{"rendered":"Inclusion financi\u00e8re au Kenya : Success story de M-Pesa"},"content":{"rendered":"

Le Kenya est un des pays de l\u2019Afrique le plus inclusifs en termes de services financiers. Le leader dans le domaine est la soci\u00e9t\u00e9 M-Pesa, une v\u00e9ritable success story.<\/b><\/p>\n

Comprendre l’inclusion financi\u00e8re au Kenya<\/h2>\n

Inclusion financi\u00e8re <\/h3>\n

D\u2019une mani\u00e8re simple, l\u2019inclusion financi\u00e8re peut se d\u00e9finir comme l’accessibilit\u00e9 de la population \u00e0 des produits et services financiers abordables et durables. Selon la Banque Mondiale, la possession d\u2019un compte financier comme un compte bancaire est la composante principale de l\u2019inclusion financi\u00e8re. C\u2019est une des raisons pourquoi la Banque mondiale se focalise \u00e0 travers son initiative \u00ab\u00a0Acc\u00e8s financier universel 2020<\/i> \u00bb. Toutefois, m\u00eame si plusieurs efforts sont r\u00e9alis\u00e9s \u00e0 travers cette initiative, il reste encore beaucoup \u00e0 r\u00e9aliser, ce qui t\u00e9moigne de l\u2019importance du sujet en question.<\/p>\n

Selon l\u2019Alliance pour l\u2019Inclusion Financi\u00e8re (AFI), l\u2019inclusion financi\u00e8re comprend l\u2019accessibilit\u00e9, l\u2019utilisation et la qualit\u00e9 des services financiers.<\/p>\n

<\/p>\n

Situation au Kenya <\/h3>\n

Un rapport publi\u00e9 par FinAccess Household Survey classe le Kenya dans la cat\u00e9gorie des pays les plus inclusifs en termes de services financiers. Le document montre qu\u2019environ 90 % <\/b>de la population adulte k\u00e9nyane ont acc\u00e8s \u00e0 des services financiers.<\/p>\n

Les variables qui ont \u00e9t\u00e9 prises en compte dans l’inclusion financi\u00e8re au Kenya sont l\u2019accessibilit\u00e9, l\u2019utilisation, et les innovations en termes de services et produits financiers. Pour le premier crit\u00e8re qui mesure l\u2019acc\u00e8s, le pourcentage de la population k\u00e9nyane pouvant acc\u00e9der \u00e0 des services financiers est de 26,7 %<\/b> en 2006, pour augmenter \u00e0 82,9 %<\/b> en 2019 et 83,7 %<\/b> en 2021. Quant \u00e0 l\u2019utilisation, le rapport a indique que le taux de pourcentage de ce param\u00e8tre a diminu\u00e9 : de 32,1 %<\/b> en 2006, ce taux est pass\u00e9 \u00e0 6,1 %<\/b> en 2019 pour atteindre 4,7 %<\/b> en 2021. L\u2019enqu\u00eate a aussi montr\u00e9 une diminution en termes d\u2019innovation : de 8,3 % <\/b>en 2019 \u00e0 2,1% <\/b>en 2021.<\/p>\n

Acteurs de l’inclusion financi\u00e8re <\/h3>\n

En effet, les valeurs des transactions via l\u2019argent mobile ont augment\u00e9 de 63,2 %<\/b> en 2021. Cette hausse d\u00e9coule des politiques gouvernementales visant \u00e0 promouvoir l\u2019utilisation de l\u2019argent mobile pour freiner la propagation du virus de la pand\u00e9mie de la COVID-19. Le gouvernement s’engage de plus en plus dans des politiques inclusives pour stimuler la croissance \u00e9conomique du pays.<\/p>\n

Impact de M-Pesa sur l’inclusion financi\u00e8re<\/h2>\n

M-Pesa : un outil de transfert d’argent en ligne<\/h3>\n

M-Pesa est devenue une v\u00e9ritable success-story au Kenya, devenant un pilier de l’\u00e9conomie k\u00e9nyane en cr\u00e9ant 180 000 emplois<\/b> et repr\u00e9sentant 8 % <\/b>de l’emploi formel dans le pays.<\/p>\n

La plateforme M-Pesa joue un r\u00f4le crucial en apportant des services financiers aux populations non bancaris\u00e9es et sous-bancaris\u00e9es, ce qui a permis une forte augmentation du taux d’inclusion financi\u00e8re. En effet, M-Pesa a r\u00e9ussi \u00e0 toucher une grande partie de la population k\u00e9nyane qui n’avait pas acc\u00e8s aux services bancaires traditionnels.<\/p>\n

M-Pesa a non seulement permis d’augmenter l’inclusion financi\u00e8re, mais a aussi un impact social significatif, en particulier dans les communaut\u00e9s \u00e0 faible revenu. En tirant parti de l\u2019utilisation g\u00e9n\u00e9ralis\u00e9e des t\u00e9l\u00e9phones mobiles, M-Pesa a fourni une plateforme pratique et accessible permettant aux particuliers d\u2019effectuer des transactions financi\u00e8res.<\/p>\n

Fonctionnement du M-Pesa<\/h3>\n

La croissance de l\u2019utilisation des mobiles money<\/a> est spectaculaire en Afrique Subsaharienne. Le plus populaire au Kenya est M-Pesa. De son nom \u00ab pesa<\/i> \u00bb signifiant \u00ab\u00a0argent<\/i> \u00bb, cette plateforme a \u00e9t\u00e9 lanc\u00e9e par Safaricom en mars 2007. Cette compagnie est maintenant pr\u00e9sente dans 10 pays, tels que le Kenya, la Tanzanie, le Mozambique, la R\u00e9publique D\u00e9mocratique du Congo, le Lesotho, le Ghana, et l’\u00c9gypte. Au total, on compte plus de 30 millions d’utilisateurs<\/b>, traitant mensuellement 614 millions de transactions<\/b>. Elle compte 51 millions de souscripteurs<\/b>, 465 entreprises<\/b>, 600 000 agents <\/b>et 42 000 d\u00e9veloppeurs<\/b>.<\/p>\n

L\u2019entreprise joue un r\u00f4le pr\u00e9pond\u00e9rant dans l\u2019inclusion financi\u00e8re. Seulement avec une carte SIM, les clients peuvent effectuer des transferts ou des envois de fonds. Pour \u00e9tendre ses activit\u00e9s, elle collabore avec plusieurs entreprises, commer\u00e7ants et des institutions financi\u00e8res.<\/p>\n

Une \u00e9tude du MIT a r\u00e9v\u00e9l\u00e9 que M-Pesa contribue \u00e0 r\u00e9duire la pauvret\u00e9 au Kenya de 2 %<\/b>, un pourcentage \u00e9quivalent \u00e0 250 000 personnes<\/b>. La Banque centrale a confirm\u00e9 ce fait en publiant que M-Pesa a am\u00e9lior\u00e9 l\u2019inclusion financi\u00e8re au Kenya et l\u2019entreprise est devenue le leader dans ce secteur.<\/p>\n","protected":false},"excerpt":{"rendered":"

Le Kenya est un des pays de l\u2019Afrique le plus inclusifs en termes de services financiers. Le leader dans le domaine est la soci\u00e9t\u00e9 M-Pesa, une\u2026<\/span><\/p>\n","protected":false},"author":76,"featured_media":72643,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7962],"tags":[],"location":[7961],"class_list":["post-66257","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technology-en","location-afrique-de-lest-fr"],"acf":[],"yoast_head":"\nInclusion financi\u00e8re au Kenya : Success story de M-Pesa<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Inclusion financi\u00e8re au Kenya : Success story de M-Pesa\" \/>\n<meta property=\"og:description\" content=\"Le Kenya est un des pays de l\u2019Afrique le plus inclusifs en termes de services financiers. 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