{"id":13136,"date":"2025-06-25T19:54:08","date_gmt":"2025-06-25T18:54:08","guid":{"rendered":"https:\/\/assemblee-nationale.bj\/?p=13136"},"modified":"2025-07-02T17:07:34","modified_gmt":"2025-07-02T16:07:34","slug":"microfinance-gestion-des-etrangers-et-developpement-quatre-lois-adoptees-a-lunanimite-par-les-deputes","status":"publish","type":"post","link":"https:\/\/assemblee-nationale.bj\/index.php\/2025\/06\/25\/microfinance-gestion-des-etrangers-et-developpement-quatre-lois-adoptees-a-lunanimite-par-les-deputes\/","title":{"rendered":"Microfinance, gestion des \u00e9trangers et d\u00e9veloppement : Quatre lois adopt\u00e9es \u00e0 l\u2019unanimit\u00e9 par les d\u00e9put\u00e9s"},"content":{"rendered":"<div id=\"pl-13136\"  class=\"panel-layout\" ><div id=\"pg-13136-0\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-13136-0-0\"  class=\"panel-grid-cell\" ><div id=\"panel-13136-0-0-0\" class=\"so-panel widget widget_text panel-first-child panel-last-child\" data-index=\"0\" ><div class=\"panel-widget-style panel-widget-style-for-13136-0-0-0\" >\t\t\t<div class=\"textwidget\"><p><strong>  Microfinance, gestion des \u00e9trangers et d\u00e9veloppement : Quatre lois adopt\u00e9es \u00e0 l\u2019unanimit\u00e9 par les d\u00e9put\u00e9s <\/strong><\/p>\n<p style=\"text-align: justify; line-height: 150%; background: white; margin: 0cm 0cm 4.5pt 0cm;\"><span style=\"color: #1c1e21;\"><strong><br \/>\n<\/strong> <\/span><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<\/div>\n\t\t<\/div><\/div><\/div><\/div><div id=\"pg-13136-1\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-13136-1-0\"  class=\"panel-grid-cell panel-grid-cell-empty\" ><\/div><div id=\"pgc-13136-1-1\"  class=\"panel-grid-cell panel-grid-cell-mobile-last\" ><div id=\"panel-13136-1-1-0\" class=\"so-panel widget widget_text panel-first-child panel-last-child\" data-index=\"1\" ><div class=\"panel-widget-style panel-widget-style-for-13136-1-1-0\" >\t\t\t<div class=\"textwidget\"><div class=\"foogallery foogallery-container foogallery-carousel foogallery-lightbox-foobox fg-carousel fg-light fg-border-thin fg-shadow-outline fg-loading-default fg-loaded-fade-in fg-caption-hover fg-hover-fade fg-hover-zoom fg-ready\" id=\"foogallery-gallery-13156\" data-foogallery=\"{&quot;item&quot;:{&quot;showCaptionTitle&quot;:true,&quot;showCaptionDescription&quot;:true},&quot;lazy&quot;:true,&quot;template&quot;:{&quot;maxItems&quot;:5,&quot;scale&quot;:0.18,&quot;gutter&quot;:{&quot;min&quot;:-40,&quot;max&quot;:-40,&quot;unit&quot;:&quot;%&quot;},&quot;autoplay&quot;:{&quot;time&quot;:0,&quot;interaction&quot;:&quot;pause&quot;},&quot;centerOnClick&quot;:false}}\" >\r\n\t<button type=\"button\" class=\"fg-carousel-prev\"><\/button>\r\n\t<div class=\"fg-carousel-inner\">\r\n\t\t<div class=\"fg-carousel-center\"><\/div>\r\n\t\t<div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0084.jpg\" data-attachment-id=\"13158\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img fetchpriority=\"high\" decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0084\/1529525074.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0085.jpg\" data-attachment-id=\"13159\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0085\/1998091816.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0086.jpg\" data-attachment-id=\"13160\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0086\/3146999510.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0087.jpg\" data-attachment-id=\"13161\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0087\/593079760.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0088.jpg\" data-attachment-id=\"13162\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0088\/114877396.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0089.jpg\" data-attachment-id=\"13163\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0089\/2651990226.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0090.jpg\" data-attachment-id=\"13164\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0090\/3765785395.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0091.jpg\" data-attachment-id=\"13166\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0091\/2216608925.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0092.jpg\" data-attachment-id=\"13167\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0092\/1592854758.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0093.jpg\" data-attachment-id=\"13168\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0093\/714943218.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0094.jpg\" data-attachment-id=\"13169\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0094\/1949886579.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0095.jpg\" data-attachment-id=\"13170\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0095\/3706130123.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0096.jpg\" data-attachment-id=\"13171\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0096\/101237424.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0097.jpg\" data-attachment-id=\"13172\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0097\/906206854.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0098.jpg\" data-attachment-id=\"13173\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0098\/3141748658.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0099.jpg\" data-attachment-id=\"13174\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0099\/28980133.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0100.jpg\" data-attachment-id=\"13175\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0100\/167001715.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0101.jpg\" data-attachment-id=\"13176\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0101\/973038149.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/IMG-20250702-WA0102.jpg\" data-attachment-id=\"13177\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/IMG-20250702-WA0102\/3809521214.jpg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div>\t<\/div>\r\n\t<div class=\"fg-carousel-bottom\"><\/div>\r\n\t<div class=\"fg-carousel-progress\"><\/div>\r\n\t<button type=\"button\" class=\"fg-carousel-next\"><\/button>\r\n<\/div>\n<p>&nbsp;<\/p>\n<p>R\u00e9unis en s\u00e9ance pl\u00e9ni\u00e8re ce mercredi 25 juin 2025 sous l\u2019autorit\u00e9 du Pr\u00e9sident Louis Gb\u00e8hounou Vlavonou, les d\u00e9put\u00e9s de la 9 l\u00e9gislature de l\u2019Assembl\u00e9e Nationale du B\u00e9nin ont, en pr\u00e9sence du Ministre Yvon D\u00e9tch\u00e9nou en charge de la justice et de la l\u00e9gislation, examin\u00e9 et adopt\u00e9 la loi N\u00b02025-14 portant r\u00e9glementation de la microfinance en R\u00e9publique du B\u00e9nin. Ladite loi a \u00e9t\u00e9 adopt\u00e9e \u00e0 l\u2019unanimit\u00e9 des d\u00e9put\u00e9s pr\u00e9sents et repr\u00e9sent\u00e9s.<\/p>\n<p>Outre la loi sur la r\u00e8glementation du secteur de la microfinance, l\u2019Assembl\u00e9e Nationale a \u00e9galement d\u00e9lib\u00e9r\u00e9 et adopt\u00e9 en sa s\u00e9ance pl\u00e9ni\u00e8re du mercredi 25 juin 2025 la loi N\u00b02025-15 relative \u00e0 l\u2019entr\u00e9e, au s\u00e9jour, \u00e0 la r\u00e9sidence et \u00e0 la sortie des \u00e9trangers en R\u00e9publique du B\u00e9nin. Cette loi a \u00e9t\u00e9 aussi adopt\u00e9e \u00e0 l\u2019unanimit\u00e9 des d\u00e9put\u00e9s pr\u00e9sents et repr\u00e9sent\u00e9s.<br \/>\nToujours au cours de la m\u00eame s\u00e9ance pl\u00e9ni\u00e8re, les d\u00e9put\u00e9s ont pris acte de deux ratifications li\u00e9es l\u2019une, relative \u00e0 l\u2019accord de financement sign\u00e9 \u00e0 Cotonou, le 1er juin 2023 avec l\u2019Association internationale du d\u00e9veloppement (AID), dans le cadre du Projet d\u2019harmonisation et de l\u2019alimentation des statistiques en Afrique de l\u2019Ouest et du Centre (PHASAOC), et l\u2019autre relative \u00e0 l\u2019accord de financement sign\u00e9 \u00e0 Cotonou le 7 juillet 2023 avec  l\u2019Association internationale du d\u00e9veloppement (AID), dans le cadre du Programme de gouvernance \u00e9conomique et la d\u00e9livrance des services.<\/p>\n<p>Loi portant r\u00e9glementation de la microfinance en R\u00e9publique du B\u00e9nin<\/p>\n<p>Le rapport pr\u00e9sent\u00e9 par la Commission des finances que pr\u00e9side l\u2019honorable G\u00e9rard Gb\u00e9nonchi apporte des clarifications de taille sur les innovations li\u00e9es \u00e0 la prise d\u2019une nouvelle loi sur la r\u00e8glementation du secteur de la microfinance au B\u00e9nin. En termes d\u2019innovations g\u00e9n\u00e9rales, le projet de loi introduit par le gouvernement consacre des dispositions d\u00e9rogatoires au droit commun et le fonctionnement des institutions qui vont r\u00e9gir l\u2019organisation et le fonctionnement des institutions de microfinance. Ainsi, il est d\u00e9sormais requis de se doter d\u2019un Conseil d\u2019administration. <\/p>\n<p>Pour ce qui est des innovations sp\u00e9cifiques, des pr\u00e9cisions sont apport\u00e9es sur : la clarification des r\u00f4les et responsabilit\u00e9s de l\u2019autorit\u00e9 de tutelle ;  l\u2019\u00e9largissement des activit\u00e9s autoris\u00e9es aux Institutions de microfinance (Imf) ; l\u2019introduction d\u2019un capital social minimum ; l\u2019am\u00e9lioration du principe de proportionnalit\u00e9 ; le renforcement de la gouvernance des Imf ; l\u2019instauration d\u2019une finance islamique ; la consolidation des exigences comptables et prudentielles ; la protection des coop\u00e9rateurs et le traitement des Imf en difficult\u00e9. <\/p>\n<p>Lors du d\u00e9bat g\u00e9n\u00e9ral, plusieurs d\u00e9put\u00e9s se sont prononc\u00e9s sur le rapport de la Commission. De l\u2019avis de l\u2019honorable Abou Torou du groupe parlementaire \u00ab\u00a0Union progressiste le Renouveau\u00a0\u00bb, le secteur de la microfinance au B\u00e9nin m\u00e9rite d\u2019\u00eatre bien encadr\u00e9, surtout lorsqu\u2019on voit des b\u00e9n\u00e9ficiaires aller d\u2019institutions de microfinance en institutions de microfinance et au finish se surendetter. Il a plaid\u00e9 pour que la microfinance qui est un moyen de facilitation ne soit pas un \u00e9l\u00e9ment de pers\u00e9cution. Il a sugg\u00e9r\u00e9 la cr\u00e9ation d\u2019une plateforme pour \u00e9viter la cavalerie des b\u00e9n\u00e9ficiaires.<br \/>\nPour son coll\u00e8gue Beno\u00eet D\u00e8gla du groupe parlementaire \u00ab\u00a0Bloc R\u00e9publicain\u00a0\u00bb, le gouvernement a vu juste en introduisant ce projet de loi pour mieux r\u00e8glementer cet important outil de d\u00e9veloppement qu\u2019est la microfinance. Il a plaid\u00e9 pour une harmonisation des garanties que demandent aux b\u00e9n\u00e9ficiaires les institutions de microfinance (Imf). Il a aussi parl\u00e9 du temps qui est souvent mis pour accorder les cr\u00e9dits. \u00ab Malgr\u00e9 la lutte qui se m\u00e8me, il y a encore des Imf qui sont toujours dans l\u2019informel \u00bb, a d\u00e9plor\u00e9 le d\u00e9put\u00e9 BR.<\/p>\n<p>L\u2019honorable H\u00e9l\u00e8ne Olossouma\u00ef du parti Les D\u00e9mocrates a mis l\u2019accent sur le r\u00f4le important que joue le secteur de la microfinance dans le d\u00e9veloppement \u00e9conomique du B\u00e9nin. Elle a salu\u00e9 le gouvernement pour avoir introduit ce projet de loi qu\u2019elle appelle d\u00e9j\u00e0 ses coll\u00e8gues, surtout de l\u2019opposition \u00e0 voter.<\/p>\n<p>Les questions relatives au d\u00e9lai de la mise en conformit\u00e9 de la loi et de la protection des institutions de microfinance elles-m\u00eames face aux clients d\u00e9faillants par mauvaise foi ont \u00e9t\u00e9 soulev\u00e9es par le d\u00e9put\u00e9 Arouna Issiaka du groupe parlementaire \u00ab\u00a0Les D\u00e9mocrates\u00a0\u00bb.<\/p>\n<p>Les discussions particuli\u00e8res qui ont suivi le d\u00e9bat g\u00e9n\u00e9ral ont permis d\u2019apporter des r\u00e9ponses aux diff\u00e9rentes pr\u00e9occupations soulev\u00e9es par les d\u00e9put\u00e9s. Par exemple, un d\u00e9lai de 12 mois est accord\u00e9 aux Imf cr\u00e9\u00e9es sous diverses formes pour se conformer \u00e0 la nouvelle loi ainsi adopt\u00e9e \u00e0 l\u2019unanimit\u00e9 des d\u00e9put\u00e9s pr\u00e9sents et repr\u00e9sent\u00e9s. Ladite loi est compos\u00e9e de 173 articles r\u00e9partis en 10 titres.<\/p>\n<p>Loi sur l\u2019entr\u00e9e, le s\u00e9jour et la sortie des \u00e9trangers au B\u00e9nin<\/p>\n<p>Selon le rapport pr\u00e9sent\u00e9 \u00e0 la pl\u00e9ni\u00e8re par la Commission des lois, de l\u2019administration et des droits de l\u2019homme que pr\u00e9side l\u2019honorable Orden Alladatin, le projet de loi relative  \u00e0 l\u2019entr\u00e9e, au s\u00e9jour, \u00e0 la r\u00e9sidence et \u00e0 la sortie des \u00e9trangers en R\u00e9publique du B\u00e9nin est structur\u00e9 en 25 articles r\u00e9partis en 07 chapitres. L\u2019adoption de ce projet de loi, permettra au B\u00e9nin, selon le m\u00eame rapport, de disposer d\u2019une l\u00e9gislation en phase avec les r\u00e9formes profondes en cours, tout en encadrant les droits et obligations des \u00e9trangers \u00e0 l\u2019occasion de leur entr\u00e9e, de leur s\u00e9jour et de leur sortie en R\u00e9publique du B\u00e9nin.<\/p>\n<p>Le cadre juridique r\u00e9gissant les \u00e9trangers en R\u00e9publique du B\u00e9nin \u00e9tait \u00e9tabli par la loi N\u00b086-012 du 26 f\u00e9vrier 1986. Plus de 40 ans apr\u00e8s l\u2019adoption de cette loi, le B\u00e9nin a connu de profondes r\u00e9formes dans de nombreux secteurs. Mieux, dans un monde globalis\u00e9 o\u00f9 la libre circulation des personnes constitue un levier de d\u00e9veloppement, il est \u00e9vident de constater que bien qu\u2019elle repose sur des principes de souverainet\u00e9, de s\u00e9curit\u00e9 et de gestion des flux migratoires, ne r\u00e9pond plus aux exigences de mobilit\u00e9, d\u2019attractivit\u00e9 territoriale, de coop\u00e9ration r\u00e9gionale et internationale et de promotion de tourisme. C\u2019est face \u00e0 cette r\u00e9alit\u00e9, qu\u2019il est apparu n\u00e9cessaire pour le gouvernement de proc\u00e9der \u00e0 sa refonte. Une refonte qui, le rapport de la commission des lois, vise, entre autres \u00e0 harmoniser le droit national avec les engagements internationaux et communautaires du B\u00e9nin, notamment dans le cadre de la CEDEAO.<\/p>\n<p>Les d\u00e9put\u00e9s qui sont intervenus lors du d\u00e9bat g\u00e9n\u00e9ral comme lors des discussions particuli\u00e8res ont salu\u00e9 l\u2019av\u00e8nement de cette loi. L\u2019une des pr\u00e9occupations que certains d\u2019entre eux ont soulev\u00e9 porte sur comment les ressortissants de l\u2019Alliance des Etats du Sahel (AES) sont trait\u00e9s. A cette question, le gouvernement repr\u00e9sent\u00e9 par le Ministre de la justice a fait observer que les ressortissants de ces Etats ne peuvent plus se pr\u00e9valoir de tous les avantages qui leur \u00e9taient reconnus ant\u00e9rieurement \u00e0 cette situation du fait de leur appartenance \u00e0 la CEDEAO. Mais bien qu\u2019ils soient consid\u00e9r\u00e9s d\u00e9sormais comme des \u00e9trangers, ils continuent de b\u00e9n\u00e9ficier de toutes les exemptions que le B\u00e9nin accorde aux ressortissants des autres Etats africains en termes de condition des \u00e9trangers (pas de n\u00e9cessit\u00e9 de visa ou de titre de s\u00e9jour. <\/p>\n<p>Accord de financement du PHASAOC<\/p>\n<p>Le co\u00fbt global, hors taxe douane, du PHASAOC qui comprend plusieurs composantes et qui a \u00e9t\u00e9 initi\u00e9 pour un groupe de huit pays que sont la Mauritanie, le S\u00e9n\u00e9gal, la Gambie, la Guin\u00e9e, le Mali, le Niger, la Guin\u00e9e-Bissau puis le B\u00e9nin s\u2019\u00e9l\u00e8ve \u00e0 28.300.000 Euros, soit 18.563.583.100 F CFA, enti\u00e8rement \u00e0 la charge de l\u2019Association internationale de d\u00e9veloppement (AID). Ce financement sous forme de pr\u00eat est caract\u00e9ris\u00e9 par une maturit\u00e9 de 30 ans dont 05 ans de diff\u00e9r\u00e9 en capital. La commission d\u2019engagement est de 0,50% l\u2019an du montant du cr\u00e9dit non d\u00e9caiss\u00e9 et la charge de service s\u2019\u00e9l\u00e8ve \u00e0 0,75% l\u2019an du montant d\u00e9caiss\u00e9 non encore rembours\u00e9. Pour ce qui est du taux d\u2019int\u00e9r\u00eat, il est de 1,25% l\u2019an plus l\u2019ajustement de base de la charge sur le montant d\u00e9caiss\u00e9 non encore rembours\u00e9 qui est de 0,98% l\u2019an, soit un taux d\u2019int\u00e9r\u00eat g\u00e9n\u00e9ral annuel global de 2,18%.<\/p>\n<p>Les pr\u00e9occupations des d\u00e9put\u00e9s tant en commission qu\u2019en pl\u00e9ni\u00e8re ont port\u00e9 sur l\u2019impact du projet sur les statistiques des secteurs cl\u00e9s que sont l\u2019agriculture, la sant\u00e9, l\u2019\u00e9ducation ; l\u2019impact du projet sur le syst\u00e8me de l\u2019information communal et territorial ; la prise en compte des centres de formations en statistiques\u2026<\/p>\n<p>Programme de gouvernance \u00e9conomique et de d\u00e9livrance des services<\/p>\n<p>L\u2019ambition de maintenir les standards et de combler les exigences du d\u00e9veloppement a amen\u00e9 le gouvernement du B\u00e9nin \u00e0 faire de la transformation \u00e9conomique du pays une priorit\u00e9. Et c\u2019est ce qui justifie, selon le rapport pr\u00e9sent\u00e9 par la Commission du plan que pr\u00e9side l\u2019honorable Lambert Agongbonon, \u00e0 signer le 7 juillet 2023 \u00e0 Cotonou avec l\u2019Association internationale du d\u00e9veloppement (AID), l\u2019accord de financement dans le cadre du Programme de gouvernance \u00e9conomique et la d\u00e9livrance des services.<\/p>\n<p>Le co\u00fbt global, hors taxe douane de ce Programme est de 85.274.410.00 F Cfa, enti\u00e8rement \u00e0 la charge de l\u2019AID. Ce financement sous forme de pr\u00eat est caract\u00e9ris\u00e9 par une maturit\u00e9 de 30 ans dont 05 ans diff\u00e9r\u00e9 en capital. La commission d\u2019engagement est de 0,50% l\u2019an du montant du cr\u00e9dit non d\u00e9caiss\u00e9. La charge de service est de 0,75 % l\u2019an sur le montant d\u00e9caiss\u00e9 non encore rembours\u00e9. Le taux d\u2019int\u00e9r\u00eat est de 2,18 % l\u2019an. Le remboursement est semestriel, 1er janvier et 1er juillet de l\u2019ann\u00e9e.<\/p>\n<p>Les d\u00e9put\u00e9s ont exprim\u00e9 des pr\u00e9occupations \u00e0 la pertinence du programme, \u00e0 la clarification des concepts gouvernance \u00e9conomique et d\u00e9livrance des services et aux pr\u00e9cisions sur l\u2019\u00e9largissement de l\u2019assiette fiscale pr\u00e9vu dans l\u2019axe 1 du programme.<br \/>\nDes r\u00e9ponses rassurantes ont \u00e9t\u00e9 apport\u00e9es \u00e0 toutes ces pr\u00e9occupations par le gouvernement.<\/p>\n<p>A la suite du d\u00e9bat g\u00e9n\u00e9ral et des discussions particuli\u00e8res les deux accords de ratification ont unanimement re\u00e7us l\u2019aval\u00a0des\u00a0d\u00e9put\u00e9s.<\/p>\n<p>Affissou Anonrin<\/p>\n<\/div>\n\t\t<\/div><\/div><\/div><div id=\"pgc-13136-1-2\"  class=\"panel-grid-cell panel-grid-cell-empty\" ><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>R\u00e9unis en s\u00e9ance pl\u00e9ni\u00e8re ce mercredi 25 juin 2025 sous l\u2019autorit\u00e9 du Pr\u00e9sident Louis Gb\u00e8hounou Vlavonou, les d\u00e9put\u00e9s de la 9 l\u00e9gislature de l\u2019Assembl\u00e9e Nationale du B\u00e9nin ont, en pr\u00e9sence du Ministre Yvon D\u00e9tch\u00e9nou en charge de la justice et de la l\u00e9gislation, examin\u00e9 et adopt\u00e9 la loi N\u00b02025-14 portant r\u00e9glementation de la microfinance en R\u00e9publique du B\u00e9nin. Ladite loi a \u00e9t\u00e9 adopt\u00e9e \u00e0 l\u2019unanimit\u00e9 des d\u00e9put\u00e9s pr\u00e9sents et repr\u00e9sent\u00e9s.<\/p>\n<p>Outre la loi sur la r\u00e8glementation du secteur de la microfinance, l\u2019Assembl\u00e9e Nationale a \u00e9galement d\u00e9lib\u00e9r\u00e9 et adopt\u00e9 en sa s\u00e9ance pl\u00e9ni\u00e8re du mercredi 25 juin 2025 la loi N\u00b02025-15 relative \u00e0 l\u2019entr\u00e9e, au s\u00e9jour, \u00e0 la r\u00e9sidence et \u00e0 la sortie des \u00e9trangers en R\u00e9publique du B\u00e9nin. Cette loi a \u00e9t\u00e9 aussi adopt\u00e9e \u00e0 l\u2019unanimit\u00e9 des d\u00e9put\u00e9s pr\u00e9sents et repr\u00e9sent\u00e9s.<\/p>\n","protected":false},"author":15,"featured_media":13179,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-13136","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"_links":{"self":[{"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/posts\/13136","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/comments?post=13136"}],"version-history":[{"count":3,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/posts\/13136\/revisions"}],"predecessor-version":[{"id":13180,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/posts\/13136\/revisions\/13180"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/media\/13179"}],"wp:attachment":[{"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/media?parent=13136"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/categories?post=13136"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/tags?post=13136"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}