Microfinance en UEMOA : une dynamique d’épargne freinée par le recul du crédit
In the first quarter of 2025, WAEMU microfinance institutions recorded a 4.1% increase in their deposits, which now reach 2,560.9 billion FCFA. The majority of these savings are in demand deposits, with an average amount per client of 129,898 FCFA. This increase affects almost all countries in the Union, with the exception of Niger, and represents 5.3% of the savings mobilized by all credit institutions in the region.
Despite this favorable collection dynamic, outstanding loans fell by 2.4% during the quarter, to 2,628.4 billion FCFA. The decline particularly affected short-term loans, leading to a drop in the average loan amount per customer, now at 133,322 FCFA.
This situation highlights a worrying imbalance: savings are growing but are not fully transformed into active financing for clients. Microfinance institutions are thus faced with a dual challenge: increasing the security of deposits while relaunching credit distribution, which is essential for supporting local economic activity and financial inclusion.
The sector's outlook will depend on institutions' ability to manage credit risk, diversify their products, and strengthen client confidence. Transforming collected savings into high-performing loans remains a key test of microfinance's resilience and strategic role in the WAEMU economy.
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