Économie : comment les banques plombent les jeunes entrepreneurs, le levier que l’État doit activer
AFP Secretary General Mbaye Dione is adamant: banks and other financial institutions are hindering the initiatives of young entrepreneurs, most of whom operate in the informal sector. “In commercial banks, the usury rate is 14%. In decentralized financial systems (SFDs), it’s up to 25%,” he points out in an interview published this Monday in Walfadjri. “It’s impossible to make money on an investment where you’re paying 25% in debt servicing. […] Flexible terms are needed so that borrowers can make their loans profitable. If the loan is too expensive, the little income that is generated will be used to pay installments and interest.”
The MP observes that accessing credit is already a major obstacle, particularly for those working in the informal sector. This sector, Mbaye Dione continues, "is teeming with thousands, even millions, of qualified young people or project leaders, but without support. The difficulty young people face in investing is access to credit. They have good projects, experience, and a market, but they can't get credit. It's not easy to obtain credit in Senegal."
The head of AFP believes it is "up to the State to create the conditions for young people to access credit at lower rates, to find weighting mechanisms." He offers a suggestion: "It [the State] must be able to entrust money to financial institutions and require them to lend it at favorable rates."
Commentaires (1)
Participer à la Discussion
Règles de la communauté :
💡 Astuce : Utilisez des emojis depuis votre téléphone ou le module emoji ci-dessous. Cliquez sur GIF pour ajouter un GIF animé. Collez un lien X/Twitter, TikTok ou Instagram pour l'afficher automatiquement.