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La Coop\u00e9rative d’\u00e9pargne et de cr\u00e9dit de l’administration publique du Togo (CECAP) a \u00e9t\u00e9 cr\u00e9\u00e9e en 1991 afin de r\u00e9pondre \u00e0 un besoin crucial d’inclusion financi\u00e8re et de soutien financier sp\u00e9cifiquement con\u00e7u pour les fonctionnaires togolais. Plus de 30 ans depuis sa cr\u00e9ation, tout indique que la coop\u00e9rative se porte bien.<\/p>\n

La mission principale de la CECAP est d’offrir un soutien financier essentiel \u00e0 ses membres, qui sont les fonctionnaires, en leur fournissant un acc\u00e8s \u00e0 des cr\u00e9dits \u00e0 des taux r\u00e9duits et en facilitant leurs op\u00e9rations financi\u00e8res. L’institution collecte les \u00e9pargnes des fonctionnaires membres et met \u00e0 leur disposition des cr\u00e9dits en cas de besoin.<\/p>\n

Pendant plus de trois d\u00e9cennies, le bilan est positif malgr\u00e9 les hauts et les bas. L’institution financi\u00e8re ne fait qu’accro\u00eetre ses performances. Preuve qu’il incarne un v\u00e9ritable pilier de l’inclusion financi\u00e8re. En 2022, cette structure, fond\u00e9e par les agents de la fonction publique, a affich\u00e9 un r\u00e9sultat net de 68,2 millions de francs CFA en hausse annuelle d’environ 11 % par rapport \u00e0 l’ann\u00e9e pr\u00e9c\u00e9dente. Les d\u00e9p\u00f4ts pour cette m\u00eame ann\u00e9e ont d\u00e9pass\u00e9 1,017 milliards de francs CFA avec un encours total des d\u00e9p\u00f4ts \u00e0 1,579 milliards.<\/p>\n

L’assembl\u00e9e mixte tenue en mai 2024 \u00e0 Lom\u00e9 a \u00e9t\u00e9 l’occasion pour la coop\u00e9rative de pr\u00e9senter ses r\u00e9alisations de l’exercice 2023. L’ann\u00e9e a \u00e9t\u00e9 florissante puisque le total bilan d\u00e9passe les 2,5 milliards FCFA avec une croissance de 9 % de l’actif par rapport \u00e0 l’exercice pr\u00e9c\u00e9dent.<\/p>\n

Au cours de 2023, la CECAP a octroy\u00e9 un total de 2 415 cr\u00e9dits, pour un montant cumul\u00e9 de 1,64 milliard de francs CFA, enregistrant ainsi une croissance annuelle de 12,64 % par rapport \u00e0 l’exercice pr\u00e9c\u00e9dent.<\/p>\n

L’organisation recense 6 622 adh\u00e9rents en fin d’exercice 2023, sur pr\u00e8s de 56 000 agents de l’administration publique togolaise. En offrant \u00e0 ces fonctionnaires des services financiers adapt\u00e9s et accessibles, la coop\u00e9rative contribue \u00e0 am\u00e9liorer leur qualit\u00e9 de vie et \u00e0 renforcer leur r\u00e9silience financi\u00e8re.<\/p>\n

La CECAP ne fait pas cavalier seul dans le paysage financier togolais. D’autres institutions de microfinance ainsi que le Fonds national de la finance inclusive (FNFI) jouent \u00e9galement un r\u00f4le d\u00e9terminant dans la fourniture de services financiers aux populations non bancaris\u00e9es ou mal desservies par les banques traditionnelles. La croissance de 6,5 % de l’encours des cr\u00e9dits accord\u00e9s par les microfinances au 4e trimestre 2023 d\u00e9montre la vitalit\u00e9 et la robustesse du secteur financier d\u00e9centralis\u00e9 au Togo.<\/p>\n","protected":false},"excerpt":{"rendered":"

La Coop\u00e9rative d’\u00e9pargne et de cr\u00e9dit de l’administration publique du Togo (CECAP) a \u00e9t\u00e9 cr\u00e9\u00e9e en 1991 afin de r\u00e9pondre \u00e0 un besoin crucial d’inclusion financi\u00e8re et de soutien financier sp\u00e9cifiquement con\u00e7u pour les fonctionnaires togolais. Plus de 30 ans depuis sa cr\u00e9ation, tout indique que la coop\u00e9rative se porte bien. La mission principale de …<\/p>\n","protected":false},"author":2,"featured_media":5025,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[40,26],"tags":[],"class_list":["post-5020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite","category-societe"],"yoast_head":"\nCECAP-Togo: les actifs de la coop\u00e9rative en hausse de 9 % en 2023<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/togoenlive.info\/cecap-togo-les-actifs-de-la-cooperative-en-hausse-de-9-en-2023\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CECAP-Togo: les actifs de la coop\u00e9rative en hausse de 9 % en 2023\" \/>\n<meta property=\"og:description\" content=\"La Coop\u00e9rative d’\u00e9pargne et de cr\u00e9dit de l’administration publique du Togo (CECAP) a \u00e9t\u00e9 cr\u00e9\u00e9e en 1991 afin de r\u00e9pondre \u00e0 un besoin crucial d’inclusion financi\u00e8re et de soutien financier sp\u00e9cifiquement con\u00e7u pour les fonctionnaires togolais. 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