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{"id":5284,"date":"2024-06-26T16:39:14","date_gmt":"2024-06-26T15:39:14","guid":{"rendered":"https:\/\/ocadesburkina.org\/?p=5284"},"modified":"2024-06-26T17:06:44","modified_gmt":"2024-06-26T16:06:44","slug":"communautes-depargne-et-de-credit-interne-ceci-un-outil-pour-promouvoir-lautonomie-financiere-des-femmes-vulnerables","status":"publish","type":"post","link":"https:\/\/ocadesburkina.org\/?p=5284","title":{"rendered":"Communaut\u00e9s d\u2019\u00e9pargne et de cr\u00e9dit interne (CECI) : un outil pour promouvoir l\u2019autonomie financi\u00e8re des femmes vuln\u00e9rables"},"content":{"rendered":"<p>Dans le souci d\u2019am\u00e9liorer la situation socio-\u00e9conomique des femmes d\u00e9plac\u00e9es internes, le Secr\u00e9tariat Ex\u00e9cutif Dioc\u00e9sain de l\u2019OCADES Caritas Burkina \u00e0 Nouna a dans le cadre du \u00ab\u00a0Projet de r\u00e9ponse multisectorielle d\u2019urgence au profit des populations affect\u00e9es par la crise dans la commune de Nouna, r\u00e9gion de la Boucle du Mouhoun\u00a0\u00bb, initi\u00e9 des Communaut\u00e9s d\u2019Epargne et de Cr\u00e9dits Internes (CECI).<\/p>\n<p><img data-attachment-id=\"5293\" data-permalink=\"https:\/\/ocadesburkina.org\/?attachment_id=5293\" data-orig-file=\"https:\/\/i2.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1652-scaled.jpg?fit=2560%2C1707&amp;ssl=1\" data-orig-size=\"2560,1707\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;5.6&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;Canon EOS 90D&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1718897196&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;24&quot;,&quot;iso&quot;:&quot;250&quot;,&quot;shutter_speed&quot;:&quot;0.005&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"IMG_1652\" data-image-description=\"\" data-medium-file=\"https:\/\/i2.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1652-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1652-scaled.jpg?fit=1000%2C667&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" class=\"alignnone size-large wp-image-5293\" src=\"https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1652.jpg?resize=1000%2C667\" alt=\"\" width=\"1000\" height=\"667\" srcset=\"https:\/\/i2.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1652-scaled.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i2.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1652-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i2.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1652-scaled.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i2.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1652-scaled.jpg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i2.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1652-scaled.jpg?resize=2048%2C1365&amp;ssl=1 2048w, https:\/\/i2.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1652-scaled.jpg?resize=765%2C510&amp;ssl=1 765w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/p>\n<p>Les \u00ab\u00a0groupes CECI\u00a0\u00bb sont des sortes de groupes de tontines am\u00e9lior\u00e9s qui permettent aux membres de r\u00e9aliser des activit\u00e9s g\u00e9n\u00e9ratrices de revenus. Ils ont pour but de consolider la solidarit\u00e9, la coh\u00e9sion sociale et l&rsquo;autonomie financi\u00e8re des membres. Le syst\u00e8me consiste \u00e0 amener les membres \u00e0 mettre en commun leur \u00e9pargne, chacun en fonction de ses capacit\u00e9s financi\u00e8res. Dans chaque groupe, il est mis en place un bureau compos\u00e9 d\u2019une pr\u00e9sidente, de gardiens de cl\u00e9s, de compteurs d\u2019argent, et d\u2019une secr\u00e9taire.<\/p>\n<p><img data-attachment-id=\"5285\" data-permalink=\"https:\/\/ocadesburkina.org\/?attachment_id=5285\" data-orig-file=\"https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1612-scaled.jpg?fit=2560%2C1707&amp;ssl=1\" data-orig-size=\"2560,1707\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;5.6&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;Canon EOS 90D&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1718895569&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;24&quot;,&quot;iso&quot;:&quot;250&quot;,&quot;shutter_speed&quot;:&quot;0.02&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"IMG_1612\" data-image-description=\"\" data-medium-file=\"https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1612-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1612-scaled.jpg?fit=1000%2C667&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" class=\"alignnone size-large wp-image-5285\" src=\"https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1612.jpg?resize=1000%2C667\" alt=\"\" width=\"1000\" height=\"667\" srcset=\"https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1612-scaled.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1612-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1612-scaled.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1612-scaled.jpg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1612-scaled.jpg?resize=2048%2C1365&amp;ssl=1 2048w, https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1612-scaled.jpg?resize=765%2C510&amp;ssl=1 765w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/p>\n<p>Apr\u00e8s avoir cotis\u00e9 un montant assez consistant, les membres ont la possibilit\u00e9 de b\u00e9n\u00e9ficier de cr\u00e9dits \u00e0 court terme aupr\u00e8s du groupe, remboursables en deux \u00e0 trois mensualit\u00e9s, \u00e0 un taux d\u2019int\u00e9r\u00eat pr\u00e9d\u00e9fini. Le montant dudit cr\u00e9dit peut aller jusqu\u2019\u00e0 la concurrence du double de l\u2019\u00e9pargne du demandeur. Le cycle du cr\u00e9dit est ainsi fix\u00e9 pour permettre \u00e0 chaque membre d\u2019en b\u00e9n\u00e9ficier trois ou quatre fois au cours de l\u2019ann\u00e9e. Au bout d\u2019un an d\u2019exercice, les membres se redistribuent leurs \u00e9pargnes respectives, avec des int\u00e9r\u00eats constitu\u00e9s d\u2019une partie des b\u00e9n\u00e9fices g\u00e9n\u00e9r\u00e9s par les cr\u00e9dits octroy\u00e9s aux membres et des amendes inflig\u00e9es aux contrevenants aux r\u00e8glements.<\/p>\n<p><img data-attachment-id=\"5291\" data-permalink=\"https:\/\/ocadesburkina.org\/?attachment_id=5291\" data-orig-file=\"https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1634-scaled.jpg?fit=2560%2C1707&amp;ssl=1\" data-orig-size=\"2560,1707\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;5.6&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;Canon EOS 90D&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1718896988&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;24&quot;,&quot;iso&quot;:&quot;250&quot;,&quot;shutter_speed&quot;:&quot;0.033333333333333&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"IMG_1634\" data-image-description=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1634-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1634-scaled.jpg?fit=1000%2C667&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" class=\"alignnone size-large wp-image-5291\" src=\"https:\/\/i2.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1634.jpg?resize=1000%2C667\" alt=\"\" width=\"1000\" height=\"667\" srcset=\"https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1634-scaled.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1634-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1634-scaled.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1634-scaled.jpg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1634-scaled.jpg?resize=2048%2C1365&amp;ssl=1 2048w, https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1634-scaled.jpg?resize=765%2C510&amp;ssl=1 765w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/p>\n<p>Les avantages des CECI sont notamment la souplesse laiss\u00e9e \u00e0 chaque membre de d\u00e9terminer le montant de son \u00e9pargne et les mesures prises pour s\u00e9curiser l\u2019\u00e9pargne et \u00e9viter des malversations. Comme le t\u00e9moigne madame DEME Madj\u00e9n\u00e8, que nous avons rencontr\u00e9 ce jeudi 20 juin 2024, au secteur 6 de Nouna, lors de la rencontre hebdomadaire de son groupe, les avantages de participer aux CECI ne sont plus \u00e0 d\u00e9montrer. Elle a en effet, re\u00e7u l\u2019accompagnement du \u00ab\u00a0projet FHRAOC\u00a0\u00bbpour r\u00e9aliser un potager hors-sol. Cette activit\u00e9 lui a non seulement permis de diversifier l\u2019alimentation de sa famille, mais aussi de g\u00e9n\u00e9rer des ressources dont elle \u00e9pargne une partie \u00e0 travers son groupe CECI.\u00a0 Elle est fi\u00e8re d\u2019appartenir \u00e0 ce groupe et comme perspective, elle envisage ouvrir un commerce avec son \u00e9pargne. Cet objectif ambitieux t\u00e9moigne son espoir pour un lendemain meilleur.<\/p>\n<p><img data-attachment-id=\"5287\" data-permalink=\"https:\/\/ocadesburkina.org\/?attachment_id=5287\" data-orig-file=\"https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1635-scaled.jpg?fit=2560%2C1707&amp;ssl=1\" data-orig-size=\"2560,1707\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;5.6&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;Canon EOS 90D&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1718897009&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;24&quot;,&quot;iso&quot;:&quot;250&quot;,&quot;shutter_speed&quot;:&quot;0.04&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"IMG_1635\" data-image-description=\"\" data-medium-file=\"https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1635-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1635-scaled.jpg?fit=1000%2C667&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" class=\"alignnone size-large wp-image-5287\" src=\"https:\/\/i2.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1635.jpg?resize=1000%2C667\" alt=\"\" width=\"1000\" height=\"667\" srcset=\"https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1635-scaled.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1635-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1635-scaled.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1635-scaled.jpg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1635-scaled.jpg?resize=2048%2C1365&amp;ssl=1 2048w, https:\/\/i1.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1635-scaled.jpg?resize=765%2C510&amp;ssl=1 765w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/p>\n<p>Pour madame TERA Aboussita, b\u00e9n\u00e9ficiaire et membre du Groupe CECI du secteur 3 de Nouna, \u00ab au-del\u00e0 du fait que nous avons appris \u00e0 \u00e9pargner, le Groupe CECI a renforc\u00e9 l\u2019entente et la coh\u00e9sion entre les femmes \u00bb.<\/p>\n<p><img data-attachment-id=\"5292\" data-permalink=\"https:\/\/ocadesburkina.org\/?attachment_id=5292\" data-orig-file=\"https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1723-scaled.jpg?fit=2560%2C1707&amp;ssl=1\" data-orig-size=\"2560,1707\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;5&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;Canon EOS 90D&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1718963057&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;50&quot;,&quot;iso&quot;:&quot;320&quot;,&quot;shutter_speed&quot;:&quot;0.00625&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"IMG_1723\" data-image-description=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1723-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1723-scaled.jpg?fit=1000%2C667&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" class=\"alignnone size-large wp-image-5292\" src=\"https:\/\/i2.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1723.jpg?resize=1000%2C667\" alt=\"\" width=\"1000\" height=\"667\" srcset=\"https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1723-scaled.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1723-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1723-scaled.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1723-scaled.jpg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1723-scaled.jpg?resize=2048%2C1365&amp;ssl=1 2048w, https:\/\/i0.wp.com\/ocadesburkina.org\/wp-content\/uploads\/2024\/06\/IMG_1723-scaled.jpg?resize=765%2C510&amp;ssl=1 765w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/p>\n<p>En rappel, le \u00ab\u00a0Projet de r\u00e9ponse multisectorielle d\u2019urgence au profit des populations affect\u00e9es par la crise dans la commune de Nouna, R\u00e9gion de la Boucle du Mouhoun\u00a0\u00bb est financ\u00e9 par le Fonds Humanitaire R\u00e9gional pour l\u2019Afrique de l\u2019Ouest et du Centre (FHRAOC).<\/p>\n<p>&nbsp;<\/p>\n<p>DAYAMBA B. B\u00e9n\u00e9dicte<\/p>\n<p>Responsable du service Communication,<\/p>\n<p>Plaidoyer et Mobilisation de Ressources<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans le souci d\u2019am\u00e9liorer la situation socio-\u00e9conomique des femmes d\u00e9plac\u00e9es internes, le Secr\u00e9tariat Ex\u00e9cutif Dioc\u00e9sain de l\u2019OCADES Caritas Burkina \u00e0 Nouna a dans le cadre du \u00ab\u00a0Projet de r\u00e9ponse multisectorielle d\u2019urgence au profit des populations affect\u00e9es par la crise dans la commune de Nouna, r\u00e9gion de la Boucle du Mouhoun\u00a0\u00bb, initi\u00e9 des Communaut\u00e9s d\u2019Epargne et &#8230;<\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"jetpack_featured_media_url":"","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/ocadesburkina.org\/index.php?rest_route=\/wp\/v2\/posts\/5284"}],"collection":[{"href":"https:\/\/ocadesburkina.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ocadesburkina.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ocadesburkina.org\/index.php?rest_route=\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/ocadesburkina.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5284"}],"version-history":[{"count":3,"href":"https:\/\/ocadesburkina.org\/index.php?rest_route=\/wp\/v2\/posts\/5284\/revisions"}],"predecessor-version":[{"id":5295,"href":"https:\/\/ocadesburkina.org\/index.php?rest_route=\/wp\/v2\/posts\/5284\/revisions\/5295"}],"wp:attachment":[{"href":"https:\/\/ocadesburkina.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5284"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ocadesburkina.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5284"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ocadesburkina.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5284"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}