Dugudugu wã, Burkinabɛ tigra-kaasenga n kaalga-tãabã bõono sãana yɛl-sõma n paamda yaa, n saagdame n bɩɩda. Bõono-kaalga wã tara yɛl-sõma n wɛltõndo wã yĩng, n sãagda yɛl-bũmba n yɛl-kãndre n nedã yĩng. Yel-gũn-daare wã, tõnd na n tarame tigra-kaasenga wã yɛl-gũn-daare n kompanii n tʋʋma n yɛl-bũmba n tar bẽ. D na n le tarame sika n yɛl-gũn-daare n wɛltõndo-pʋʋl-sõma n paam tigra-sõma.
Burkinabɛ Bõono-Kaalga-Marse-Yel-gũn-daare (Sɛtãmbr 2025)
Burkinabɛ mikrofinãs marse wã gũn-daare bẽ n Law No 23-2009/AN (May 14, 2009) n Banki Sentralã yɛl-bũmb ning n gũn-daagda Afirikã Wɛstã Fãransõfonã (BCEAO). Ministrã n Rẽndã Kãn-saamba ne Kaalga-yɛl-gũn-daare n AP/SFD-BF le gũn-daagda yɛl-bũmba. Dugudugu wã (mid-2025), mikrofinãs nedã 60% paamda yɛl-bũmb n RCPB. Kaasenga-mobaayl-yɛla le neda 95% paamda yɛl-bũmba, n sãagda tigra-kaasenga n paam.
Yel-gũn-daare-kãndre:
- Tigra-kãndre n kãabda: FCFA miliyõn 150 (2024).
- Mikrofinãs nedã zãmbure: ~450 000 (2024).
- Smartfõn nedã tigs-tigs pʋgẽ: 40% (2025).
- Tigra-kaalga-booge: Ka beeme. BCEAO yet n tʋm yɛl-bũmba, la ka tʋme yɛt.
Gũn-daare-yelga:
- Mikrofinãs kompanii n bõono-tigra-tãabã dãmba fãa tʋmda n paamda sika n feesã n gulsda, la ka gulsda bũmb n dãmba fãa paam n booge.
- Ka beeme gũn-daare-yelga n nedã yĩng, n sãagda yɛl-wõoge n tigra-saagã n lebsere.
- BCEAO yet n Jan 2025 yet n tigra-sika n yʋʋmdã pʋgẽ (APR) da n pa 24% n tigra-kãndre n bõono-kaasenga.
Yelga wã pʋgẽ, kompanii dãmba tʋmda neda-booge-yɛla (KYC), n tigra-n-paam-dãmba-booge n teknolozi (smartfõn data, transaction history), n tʋmda ne kaasenga-mobaayl kompanii dãmba n sãagda. La nedã kaalga-booge n tigra-lebsere-yelga ka tarame yɛl-bũmba n paam.
Tigra-Kaasenga n tʋmda Burkinabɛ (2025)
Dugudugu wã, tigra-kaasenga n tʋmda Burkinabɛ wã kae: ACEP Mobile, MIFA Mobile, Moov Money, Orange Max It (ne JUMO microcredit), CBAO Mobile, Ecobank Microfinance. Kaasenga n na n da tʋm Burkinabɛ ne Okash, Branch, Tala, YIKRI, la ka guls n da maag Burkinabɛ.
Kompanii n kaasenga n yɛl-gũn-daare:
1. ACEP Mobile
- Kompanii: Agence de Crédit pour l’Entreprise Privée (ACEP)
- Kaasenga: ACEP BF mobile (Google Play)
- Gulse: Senegalese kompanii; Burkinabɛ tʋmda ne Ministrã n Kaalga-yɛl-gũn-daare.
- Tigra: FCFA 50 000 n paamda 5 000 000; tigra-sika n yʋʋmdã pʋgẽ (APR) 18-22% (2024 data).
- Yɛl-yɛla n feesã: 1% feesã; kãabda lebse yʋʋmd-yʋʋm; neda-gũn-daare optional.
- Neda-booge-yɛla (KYC): Neda-booge-kãndre, yɛl-gũn-daare; in-app form.
- Tigra-n-paam-dãmba-booge: Tigra-yɛl-gũn-daare + tʋʋm-neda-booge.
- Kaalga n tʋmda: Luxembourg Microfinance and Development Fund, EIB.
- Gũn-daare: BCEAO gũn-daare; ka beeme gũn-daare-yelga n guls.
- Play Store reting: 3.8; tʋmda la kãabda.
- Tarra, Wõoge, Yɛl-sõma, Gãrãa:
- Tarra: Tʋʋm-soore n paam.
- Wõoge: Kaasenga ka leebame.
- Yɛl-sõma: Bõono-tigra n lebse.
- Gãrãa: Bõono-tigra-tãabã n lebse.
2. MIFA Mobile
- Kompanii: Microfinance Fadima (MIFA) SA
- Kaasenga: MIFA Mobile (Android) / iOS
- Gulse: Burkinabɛ MFI n PARMEC gũn-daare.
- Tigra: FCFA 100 000 n paamda 10 000 000; tigra-sika n yʋʋmdã pʋgẽ (APR) 12-15% (Jan 2025).
- Yɛl-yɛla n feesã: Kaasenga-feesã 0.22%; tʋʋm-feesã 1.18%; kãabda lebse yʋʋm 3-5.
- Neda-booge-yɛla (KYC): Yɛl-kãndre + neda-gulse; bõono-yɛl-gulse.
- Tigra-n-paam-dãmba-booge: Tigra-kõmte + bõono-booge.
- Kaalga n tʋmda: Kãndre-kaalga + tigs-tigs-kaalga.
- Gũn-daare: BCEAO gũn-daare; ka beeme gũn-daare-yelga n guls.
- Play Store reting: 4.0; tigra-lebsere-yelga n sõma.
- Tarra, Wõoge, Yɛl-sõma, Gãrãa:
- Tarra: APR n sõma.
- Wõoge: Tigra-tãabã n kãabda (2-3 yʋʋma).
- Yɛl-sõma: Zaan-tigs-tigs-yɛlga n USSD.
- Gãrãa: Gũn-daare-sika n lebse.
3. Moov Money
- Kompanii: Moov Africa
- Kaasenga: Moov Money Burkina Faso (Android)
- Gulse: Maroc Telecom kompanii, Burkinabɛ.
- Tigra: Kaalga-mobaayl; tigra FCFA 5 000 n paamda 200 000; APR ka gulsame.
- Yɛl-yɛla n feesã: Ka beeme tigra-yɛlga; kaalga-tãabã 0.5% feesã.
- Neda-booge-yɛla (KYC): SIM gulse + kaasenga-gulse.
- Tigra-n-paam-dãmba-booge: Transaction history + airtime.
- Kaalga n tʋmda: Kompanii-kaalga.
- Gũn-daare: Kaalga-mobaayl n ARCEP gũn-daare; ka beeme tigra-gũn-daare.
- Play Store reting: 4.2; tʋmda sõma, la ka tarame tigra-yelga.
- Tarra, Wõoge, Yɛl-sõma, Gãrãa:
- Tarra: Agent network n paam.
- Wõoge: Tigra-yelga n ka booge.
- Yɛl-sõma: Airtime credit.
- Gãrãa: Neda-wõoge.
4. Orange Max It (JUMO Credit)
- Kompanii: Orange Money Group + JUMO
- Kaasenga: Orange Max It Burkina Faso (Android)
- Gulse: Orange SA (France) & JUMO (South Africa) tʋʋm-soore.
- Tigra: Kaalga-mobaayl + tigra-kãndre FCFA 10 000 n paamda 150 000; APR < 24% (JUMO).
- Yɛl-yɛla n feesã: Tigra n sãabda; AI risk pricing; feesã ka gulsame.
- Neda-booge-yɛla (KYC): In-app eKYC, ID scan.
- Tigra-n-paam-dãmba-booge: AI analytics n kaalga-data.
- Kaalga n tʋmda: Pan-African bank n JUMO platafom.
- Gũn-daare: Kaalga-mobaayl gũn-daare; tigra-kãndre n sandbox approval.
- Play Store reting: 4.1; tʋmda sõma, la kãabda.
- Tarra, Wõoge, Yɛl-sõma, Gãrãa:
- Tarra: AI-driven risk control.
- Wõoge: Regulatory sandbox limits.
- Yɛl-sõma: Tigra n paamda.
- Gãrãa: Kompanii n lebse.
5. CBAO Mobile
- Kompanii: Banki Sentralã n CBAO BF.
- Kaasenga: CBAO Mobile Burkina Faso (Android)
- Tigra: Kaalga-mobaayl + banki overdraft FCFA 50 000 n paamda 500 000; APR ~20%.
- Neda-booge-yɛla (KYC): Branch visit + in-app activation.
- Tigra-n-paam-dãmba-booge: Tigra-booge-yɛla.
- Gũn-daare: Banki gũn-daare; BCEAO gũn-daare.
- Play Store reting: 4.0; tʋmda sõma.
- Tarra, Wõoge, Yɛl-sõma, Gãrãa:
- Tarra: Banki zãmbure.
- Wõoge: Gulse-yɛlga.
- Yɛl-sõma: Mikrofinãs modyul.
- Gãrãa: Fintek n lebse.
6. Ecobank Microfinance
- Kompanii: Ecobank Transnational Inc.
- Kaasenga: Ecobank Microfinance (web portal)
- Tigra: Kaalga + mikro-tigra FCFA 100 000 n paamda 5 000 000; APR 16-25%.
- Tigra-n-paam-dãmba-booge: Group solidarity model.
- Gũn-daare: Banki-gũn-daare MFI arm.
- Tarra, Wõoge, Yɛl-sõma, Gãrãa:
- Tarra: Pan-African network.
- Wõoge: Kaasenga ka tarame.
- Yɛl-sõma: Ecobank Pay.
- Gãrãa: Kãndre-MFI n lebse.
Tigra-Kaasenga n yɛl-gũn-daare:
| Kaasenga | APR n kãabda | Tigra n paam (FCFA) | Tigra-tãabã-soore | Reting |
|---|---|---|---|---|
| ACEP Mobile | 18-22% | 5 000 000 | Banki-kaalga / kaalga | 3.8 |
| MIFA Mobile | 12-15% | 10 000 000 | Banki-kaalga | 4.0 |
| Moov Money | ka gulsame | 200 000 | Kaalga-mobaayl | 4.2 |
| Orange Max It (JUMO) | < 24% | 150 000 | Kaalga-mobaayl | 4.1 |
| CBAO Mobile | ~20% (booge) | 500 000 | Overdraft n kaalga-mobaayl | 4.0 |
| Ecobank Microfinance | 16-25% (booge) | 5 000 000 | Banki-kaalga | n/a |
Gũn-daare-yelga n Nedã yĩng
Burkinabɛ tigra-bõono nedã paamda yɛl-wõoge n tigs-tigs:
- Tigra-sika n kãabda n paamda gũn-daare-sika n yɛl-bũmba n feesã.
- Ka beeme APR n gulsda, n sãagda feesã ka booge.
- Ka beeme tigra-kaalga-booge, n sãagda tigra-yelga n ka booge.
- Tigra-saagã neda dãmba tʋmda yɛl-kãndre.
- Bõono-kaalga n kaalga-booge n ka beeme, n sãagda wõoge n nedã yĩng.
Pʋʋl-sõma n Nedã yĩng
N paam tigra-sõma n tigra-kaasenga pʋgẽ, d tʋmda yɛl-bũmba n tigs-tigs:
- Gãrãa tigra-sika n feesã n kaasenga dãmba pʋgẽ, n tʋmda yɛl-gulse n paam.
- Insist n tigra-gulse n yɛl-gulse n paam; d ka paamda kaasenga n yɛl-vaga n da guls.
- Paamda tigra-bũmba n guls n tʋmda ne kompanii n APR n sõma (a.k.a. MIFA) n paam tigra-sõma.
- Gũn-daare tigra-lebsere-yelga n paam yɛl-sõma n tigra-booge.
- Gulsda yɛl-wõoge n AP/SFD-BF n Ministrã n Kaalga-yɛl-gũn-daare n paam nedã-gũn-daare.
Yel-gũn-daare wã sõma n sãam tõnd n booge tigra-kaasenga n Burkinabɛ, n paamda yɛl-sõma n wõoge yɛl-wõoge n lebse. D gũn-daagda tõnd yɛl-bũmba n paam tigra-sõma.
