{"id":82528,"date":"2024-10-16T00:00:00","date_gmt":"2024-10-15T21:00:00","guid":{"rendered":"https:\/\/www.capmad.com\/tanzanie-le-defi-majeur-de-linclusion-financiere\/"},"modified":"2024-10-16T23:00:16","modified_gmt":"2024-10-16T20:00:16","slug":"tanzanie-le-defi-majeur-de-linclusion-financiere","status":"publish","type":"post","link":"https:\/\/www.capmad.com\/fr\/economie-fr\/tanzanie-le-defi-majeur-de-linclusion-financiere\/","title":{"rendered":"Tanzanie : Le d\u00e9fi majeur de l\u2019inclusion financi\u00e8re"},"content":{"rendered":"

Moins de 40 % de la population adulte en Tanzanie poss\u00e8de un compte bancaire. La Banque centrale vise \u00e0 accro\u00eetre l\u2019acc\u00e8s aux services financiers int\u00e9gr\u00e9s \u00e0 80 % d\u2019ici 2028.<\/b><\/p>\n

L\u2019inclusion financi\u00e8re essentielle \u00e0 la croissance \u00e9conomique durable<\/h2>\n

L\u2019inclusion financi\u00e8re en Tanzanie a consid\u00e9rablement augment\u00e9, mais moins de 40 % de la population adulte poss\u00e8de un compte dans une institution financi\u00e8re. Ce qui indique que les d\u00e9cideurs politiques du pays ont beaucoup de travail \u00e0 faire. \u00c0 cette fin, le gouvernement, par l\u2019interm\u00e9diaire de la Banque de Tanzanie (BoT), annonce son intention d\u2019accro\u00eetre l\u2019acc\u00e8s aux services financiers int\u00e9gr\u00e9s<\/a> \u00e0 80 % de la population d\u2019ici 2028.<\/p>\n

La vice-gouverneure de la BoT, Mme Sauda Kassim Msemo, a r\u00e9cemment d\u00e9clar\u00e9 aux m\u00e9dias que l\u2019inclusion des services financiers \u00e9tait essentielle \u00e0 la croissance \u00e9conomique durable. \u00ab Le gouvernement continue de cr\u00e9er un environnement propice \u00e0 l\u2019investissement, mais nous devons accro\u00eetre l\u2019inclusion financi\u00e8re, en particulier l\u2019acc\u00e8s aux services bancaires<\/i> \u00bb, a-t-elle d\u00e9clar\u00e9.<\/p>\n

Elle souligne que si les services financiers touchent environ 76 % de la population du pays, les services bancaires ne couvrent que 22 % de la population totale. Selon la directrice g\u00e9n\u00e9rale de la Banque centrale, en janvier de cette ann\u00e9e, seulement 23,3 % des personnes \u00e2g\u00e9es de 15 ans et plus poss\u00e9daient un compte dans une institution financi\u00e8re. Le taux de p\u00e9n\u00e9tration le plus \u00e9lev\u00e9 des comptes bancaires a \u00e9t\u00e9 de 46,8 % en 2021.<\/p>\n

Dans le but d’\u00e9largir l’inclusion financi\u00e8re et l’acc\u00e8s aux services bancaires, elle a d\u00e9clar\u00e9 que la BoT a assoupli les conditions d’enregistrement des agents de services financiers pour contribuer \u00e0 am\u00e9liorer l’acc\u00e8s.<\/p>\n

Les services financiers mobiles favorisent l’inclusion<\/h2>\n

Bien que le nombre de banques en Tanzanie ait consid\u00e9rablement augment\u00e9 et que la population bancaris\u00e9e ait augment\u00e9, ce sont les services d\u2019argent mobile qui ont fait le plus grand bond en avant en mati\u00e8re d\u2019inclusion financi\u00e8re. FinScope Tanzania pr\u00e9cise que le nombre d\u2019adultes exclus financi\u00e8rement est de 6,4 millions en 2023 gr\u00e2ce \u00e0 l\u2019augmentation des services d\u2019argent mobile.<\/p>\n

\u00ab Les observations globales indiquent que les t\u00e9l\u00e9phones mobiles constituent un moyen pratique par lequel les services bancaires de base peuvent \u00eatre distribu\u00e9s rapidement et \u00e0 un co\u00fbt relativement faible<\/i> \u00bb, rapporte FinScope. Selon le rapport, l\u2019augmentation de l\u2019inclusion financi\u00e8re en Tanzanie est principalement due aux soci\u00e9t\u00e9s de t\u00e9l\u00e9communications et \u00e0 la p\u00e9n\u00e9tration accrue des services de transfert d\u2019argent mobile tels que M-PESA , Tigo Pesa, Airtel Money et Z-Pesa.<\/p>\n

Malgr\u00e9 cette \u00e9volution, l\u2019argent liquide reste roi en Tanzanie. \u00ab Des progr\u00e8s consid\u00e9rables sont encore n\u00e9cessaires pour inciter les Tanzaniens \u00e0 effectuer des transactions formelles et \u00e0 utiliser les services financiers pour le d\u00e9veloppement<\/i> \u00bb, note FinScope. Le rapport indique qu\u2019il existe encore un grand foss\u00e9 entre les \u00ab essais \u00bb et l\u2019utilisation \u00ab r\u00e9guli\u00e8re \u00bb des m\u00e9canismes de paiement num\u00e9rique pour l\u2019achat de biens.<\/p>\n

En janvier 2024, seulement 23,3 % de la population \u00e2g\u00e9e de 15 ans et plus poss\u00e9daient un compte dans une institution financi\u00e8re en Tanzanie, soit le m\u00eame taux que l\u2019ann\u00e9e pr\u00e9c\u00e9dente. Le rapport fait \u00e9galement allusion au fait que, m\u00eame si le nombre de propri\u00e9taires de t\u00e9l\u00e9phones portables est en augmentation, la population plus jeune des Tanzaniens et les femmes sont toujours \u00e0 la tra\u00eene en mati\u00e8re de possession de t\u00e9l\u00e9phones portables.<\/p>\n

Comment financer une population d\u00e9favoris\u00e9e ?<\/h2>\n

En ce qui concerne les limitations ou les obstacles \u00e0 l\u2019inclusion financi\u00e8re, il faut tenir compte du fait que de nombreuses personnes n\u2019ont pas de garanties. Tout simplement parce qu\u2019elles sont issues de familles pauvres, ce qui les d\u00e9savantage.<\/p>\n

Dans son \u00e9tude, FinScope examine comment les \u00ab populations d\u00e9favoris\u00e9es \u00bb peuvent \u00e9galement \u00eatre int\u00e9gr\u00e9es au syst\u00e8me financier. \u00ab Des syst\u00e8mes financiers qui fonctionnent bien remplissent une fonction essentielle, en proposant des produits d’\u00e9pargne, de cr\u00e9dit, de paiement et de gestion des risques \u00e0 des personnes ayant des besoins tr\u00e8s divers<\/i> \u00bb, peut-on lire dans le rapport.<\/p>\n

La Tanzanie a lanc\u00e9 son cadre national d\u2019inclusion financi\u00e8re visant \u00e0 \u00e9largir l\u2019acc\u00e8s \u00e0 la finance \u00e0 plus de la moiti\u00e9 de la population du pays. La Banque de Tanzanie a mis en place un syst\u00e8me solide d\u2019agr\u00e9ment, de r\u00e9gulation et de supervision des banques commerciales, destin\u00e9 \u00e0 ouvrir le secteur financier.<\/p>\n

Cependant, FinScope souligne que les sources de revenus saisonni\u00e8res ou occasionnelles cr\u00e9ent un manque de stabilit\u00e9 financi\u00e8re pour la plupart des Tanzaniens. Il existe \u00e9galement un probl\u00e8me de perception erron\u00e9e selon lequel la plupart des gens pensent encore qu’ils ont besoin de plus d’argent pour ouvrir un compte bancaire.<\/p>\n","protected":false},"excerpt":{"rendered":"

Moins de 40 % de la population adulte en Tanzanie poss\u00e8de un compte bancaire. La Banque centrale vise \u00e0 accro\u00eetre l\u2019acc\u00e8s aux services financiers int\u00e9gr\u00e9s \u00e0\u2026<\/span><\/p>\n","protected":false},"author":76,"featured_media":82530,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7951],"tags":[],"location":[7961],"class_list":["post-82528","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie-fr","location-afrique-de-lest-fr"],"acf":[],"yoast_head":"\nTanzanie : Le d\u00e9fi majeur de l\u2019inclusion financi\u00e8re<\/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=\"Tanzanie : Le d\u00e9fi majeur de l\u2019inclusion financi\u00e8re\" \/>\n<meta property=\"og:description\" content=\"Moins de 40 % de la population adulte en Tanzanie poss\u00e8de un compte bancaire. 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