{"id":46753,"date":"2021-12-13T16:38:49","date_gmt":"2021-12-13T21:38:49","guid":{"rendered":"https:\/\/staging21.finca.org\/uncategorized-fr-ca\/la-perseverance-paie-pour-charlotte"},"modified":"2024-11-04T02:08:44","modified_gmt":"2024-11-04T07:08:44","slug":"la-perseverance-paie-pour-charlotte","status":"publish","type":"post","link":"https:\/\/finca.org\/fr-ca\/la-perseverance-paie-pour-charlotte","title":{"rendered":"La pers\u00e9v\u00e9rance paie pour Charlotte"},"content":{"rendered":"

Charlotte Assumani est veuve et m\u00e8re de famille. Elle est cliente de FINCA en R\u00e9publique d\u00e9mocratique du Congo<\/a> depuis plus de 15 ans.  Elle tient un restaurant dans le centre de Kinshasa, o\u00f9 elle vend \u00e9galement des v\u00eatements. R\u00e9cemment, Charlotte a racont\u00e9 son histoire.<\/p>\n

Avant de rejoindre FINCA, ma vie n’\u00e9tait pas facile du tout. En tant qu’\u00e9pouse de militaire, le revenu de [my husband\u2019s] ne permettait pas de couvrir les besoins de base de notre famille. Pour payer l’\u00e9cole de nos enfants, j’ai d\u00e9cid\u00e9 de cr\u00e9er une petite entreprise. La plupart des banques ne servent pas les clients qui n’ont pas de garantie ou de collat\u00e9ral. La seule institution financi\u00e8re qui m’a ouvert ses portes a \u00e9t\u00e9 FINCA. J’ai pu obtenir un pr\u00eat en tant que membre d’une banque villageoise, un groupe de femmes qui se soutiennent mutuellement et garantissent le remboursement de leurs pr\u00eats.  Mon premier pr\u00eat de 400 dollars m’a permis de d\u00e9marrer mon activit\u00e9.<\/p><\/blockquote>\n

Cro\u00eetre gr\u00e2ce \u00e0 l’acc\u00e8s financier<\/h2>\n

Pendant pr\u00e8s de cinq ans, Charlotte a continu\u00e9 \u00e0 b\u00e9n\u00e9ficier des pr\u00eats de Village Banking, d\u00e9veloppant son activit\u00e9 et le montant de son pr\u00eat chaque ann\u00e9e jusqu’\u00e0 ce qu’elle n’ait plus besoin de la garantie du groupe. Elle avait sa propre entreprise et a pu obtenir un pr\u00eat individuel de FINCA. Gr\u00e2ce \u00e0 ces pr\u00eats FINCA, Charlotte a cr\u00e9\u00e9 de la richesse, envoy\u00e9 ses enfants \u00e0 l’\u00e9cole et emploie aujourd’hui de nombreuses autres personnes. Elle est fi\u00e8re d’aider d’autres personnes \u00e0 r\u00e9aliser leurs r\u00eaves.<\/p>\n

J’ai maintenant huit personnes qui travaillent avec moi. Ils ont tous une famille \u00e9largie de plus de quatre membres, de sorte que non seulement ma famille, mais aussi la vie de 32 autres personnes d\u00e9pendent de mon activit\u00e9. Mon restaurant peut d\u00e9sormais servir pr\u00e8s de 150 personnes par jour. J’ai m\u00eame \u00e9largi le menu du restaurant pour satisfaire les besoins de mes diff\u00e9rents clients. Nous pouvons r\u00e9aliser plus de 300 dollars de ventes quotidiennes, et nous augmentons ce chiffre gr\u00e2ce aux investissements que nous sommes en mesure de faire avec mon pr\u00eat FINCA.<\/p><\/blockquote>\n

Surmonter le COVID et planifier l’avenir<\/h2>\n

Mais les affaires ne se sont pas d\u00e9roul\u00e9es sans difficult\u00e9s. Lorsque le COVID-19 a frapp\u00e9 et qu’un confinement a \u00e9t\u00e9 impos\u00e9, Charlotte a d\u00fb fermer son restaurant et son magasin pendant pr\u00e8s de trois mois. \u00ab\u00a0C’\u00e9tait difficile\u00a0\u00bb, dit-elle. Heureusement, FINCA a continu\u00e9 \u00e0 nous soutenir en mettant en place une \u00ab\u00a0p\u00e9riode de gr\u00e2ce\u00a0\u00bb pendant laquelle nous pouvions choisir un remboursement r\u00e9duit ou nul du pr\u00eat pendant les trois mois de la fermeture. Cela m’a permis de r\u00e9duire mes d\u00e9penses et d’utiliser mes \u00e9conomies pour apporter un soutien \u00e0 mes travailleurs\u00a0\u00bb.<\/p>\n

Apr\u00e8s la lev\u00e9e du confinement par le gouvernement, les entreprises de Charlotte se sont redress\u00e9es. Aujourd’hui, elle est r\u00e9solument tourn\u00e9e vers l’avenir. J’ai toujours eu l’intention d’acheter un jour un immeuble de plusieurs \u00e9tages et quand je le ferai, je sais que mes enfants diront : \u00ab\u00a0Voil\u00e0 le r\u00e9sultat du travail acharn\u00e9 de notre maman et de l’appui de FINCA ! Voici le r\u00e9sultat du travail acharn\u00e9 de notre maman et du soutien de FINCA !<\/p>\n","protected":false},"excerpt":{"rendered":"

La vie n’a pas \u00e9t\u00e9 facile pour Charlotte, mais avec le soutien de FINCA, elle a r\u00e9ussi \u00e0 surmonter les difficult\u00e9s et \u00e0 cr\u00e9er de la richesse pour sa famille.<\/p>\n","protected":false},"author":358,"featured_media":45462,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[243],"tags":[201,194,195],"class_list":["post-46753","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-histoires","tag-covid-19-fr-ca","tag-financial-inclusion-fr-ca","tag-microfinance-fr-ca"],"acf":[],"yoast_head":"\nLa pers\u00e9v\u00e9rance paie pour Charlotte | FINCA<\/title>\n<meta name=\"description\" content=\"La vie n'a pas \u00e9t\u00e9 facile pour Charlotte, mais avec le soutien de FINCA, elle a r\u00e9ussi \u00e0 surmonter les difficult\u00e9s et \u00e0 cr\u00e9er de la richesse pour sa 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