{"id":46871,"date":"2013-09-19T19:42:35","date_gmt":"2013-09-19T23:42:35","guid":{"rendered":"https:\/\/staging21.finca.org\/village-banking"},"modified":"2024-11-04T01:58:46","modified_gmt":"2024-11-04T06:58:46","slug":"village-banking","status":"publish","type":"page","link":"https:\/\/finca.org\/fr-ca\/our-work\/microfinance\/exemples-de-services-de-microfinance\/village-banking","title":{"rendered":"Village Banking \u2122"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">En 1984, <a href=\"https:\/\/finca.org\/fr-ca\/a-propos-de-la-finca\/lhistoire-de-finca\/john-hatch-et-finca\">John Hatch<\/a> a constat\u00e9 que le manque de capitaux emp\u00eachait les agriculteurs boliviens pauvres de s&rsquo;\u00e9panouir. Les pr\u00eats traditionnels \u00e9taient trop importants et trop chers, et sans garantie, les agriculteurs ne pouvaient pas emprunter. Il a donc eu une id\u00e9e : si les agriculteurs se regroupaient pour partager un pr\u00eat et garantir le remboursement, ils pourraient acc\u00e9der aux fonds n\u00e9cessaires pour investir dans leurs exploitations agricoles. C&rsquo;est ainsi qu&rsquo;est n\u00e9 Village Banking \u2122, et avec lui, l&rsquo;aube de ce que nous connaissons aujourd&rsquo;hui sous le nom de microfinance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&rsquo;id\u00e9e s&rsquo;est av\u00e9r\u00e9e polyvalente et r\u00e9volutionnaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les \u00ab\u00a0banques de village\u00a0\u00bb &#8211; des groupes d&rsquo;entrepreneurs \u00e0 faibles revenus qui se r\u00e9unissent pour partager et garantir les pr\u00eats des uns et des autres &#8211; sont devenues des moteurs de d\u00e9veloppement.<\/p>\n\n\n\n<figure class=\"wp-block-image alignnone wp-image-15929 size-full\"><img decoding=\"async\" width=\"1050\" height=\"600\" data-src=\"https:\/\/finca.org\/wp-content\/uploads\/FINCA-Guatemala-VB-Clients.jpg\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"Une banque villageoise de FINCA Guatemala qui utilise le Village Banking \u2122 pour travailler et sortir de la pauvret\u00e9.\" class=\"wp-image-44109 lazyload img-fluid\"\/><noscript><img decoding=\"async\" width=\"1050\" height=\"600\" src=\"https:\/\/finca.org\/wp-content\/uploads\/FINCA-Guatemala-VB-Clients.jpg\" alt=\"Une banque villageoise de FINCA Guatemala qui utilise le Village Banking \u2122 pour travailler et sortir de la pauvret\u00e9.\" class=\"wp-image-44109 img-fluid\" srcset=\"https:\/\/finca.org\/wp-content\/uploads\/FINCA-Guatemala-VB-Clients.jpg 1050w, https:\/\/finca.org\/wp-content\/uploads\/FINCA-Guatemala-VB-Clients-300x171.jpg 300w, https:\/\/finca.org\/wp-content\/uploads\/FINCA-Guatemala-VB-Clients-1024x585.jpg 1024w, https:\/\/finca.org\/wp-content\/uploads\/FINCA-Guatemala-VB-Clients-768x439.jpg 768w\" sizes=\"(max-width: 1050px) 100vw, 1050px\" \/><\/noscript><figcaption class=\"wp-element-caption\">Une banque villageoise de FINCA Guatemala qui utilise le Village Banking \u2122 pour travailler et sortir de la pauvret\u00e9.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Dans les zones urbaines et rurales, et dans des \u00e9conomies aussi diverses que Guatemala City et Kitunda, en Tanzanie, les banques villageoises ont permis aux personnes disposant de peu de ressources d&#8217;emprunter, d&rsquo;investir et de d\u00e9velopper leurs activit\u00e9s. Ils ont \u00e9galement permis aux femmes, qui se voyaient r\u00e9guli\u00e8rement refuser l&rsquo;acc\u00e8s au cr\u00e9dit, de cr\u00e9er des entreprises qui leur permettaient de manger \u00e0 leur faim et d&rsquo;envoyer leurs enfants \u00e0 l&rsquo;\u00e9cole.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aujourd&rsquo;hui, un grand nombre de nos filiales dans le monde entier offrent toujours ce service. Les voisins se r\u00e9unissent au sein de groupes Village Banking \u2122. Les individus empruntent des fonds de roulement pour leurs microentreprises et le groupe garantit ces pr\u00eats. Village Banking \u2122 encourage \u00e9galement les voisins \u00e0 se soutenir mutuellement tout en d\u00e9veloppant leurs entreprises ; ces groupes de soutien mutuel peuvent contribuer \u00e0 revigorer des communaut\u00e9s enti\u00e8res.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fid\u00e8le \u00e0 son id\u00e9e de d\u00e9part, FINCA est devenu un r\u00e9seau mondial d&rsquo;<a href=\"https:\/\/finca.org\/fr-ca\/where-we-work\/global\">institutions de microfinance <\/a>s\u00fbres et <a href=\"https:\/\/finca.org\/fr-ca\/where-we-work\/global\">durables <\/a>qui aident les familles \u00e0 faible revenu \u00e0 cr\u00e9er des emplois, \u00e0 se constituer un patrimoine et \u00e0 am\u00e9liorer leur niveau de vie.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En 1984, John Hatch a constat\u00e9 que le manque de capitaux emp\u00eachait les agriculteurs boliviens pauvres de s&rsquo;\u00e9panouir. Les pr\u00eats [&hellip;]<\/p>\n","protected":false},"author":338,"featured_media":66711,"parent":47042,"menu_order":1,"comment_status":"closed","ping_status":"open","template":"page-legacy.php","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-46871","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Village Banking\u2122 | FINCA<\/title>\n<meta name=\"description\" content=\"Qu&#039;est-ce qu&#039;une banque villageoise ? Village Banking \u2122 est une m\u00e9thodologie de microcr\u00e9dit cr\u00e9\u00e9e par FINCA pour aider les gens \u00e0 sortir de la pauvret\u00e9. 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