Kompanyi pãng' tɛka la Burkina Faso
ACEP Burkina Faso, ninsal ninga n boolg' t'a yaa Alliance de Crédit et d’Épargne pour la Production, yaa ligdi yaa-yaka insititusion ninga k'a pãng' taabẽ Burkina Faso. Ka tʋmtʋmdg' wʋsgo n wõn kẽn bãndg' yaa-ligdi ligdi zugu ligdi zugu ligdi n kẽn baa-dʋʋmba n dat' ligdi. Kompagni ninga k'a yalb' tʋmtʋmdg' a buud-kũun 2012 wã, la a paam' gãn-kãsem n dat' tʋmtʋmdg' ligdi-yɛls Gãn-kãsem sʋka ligdi-yɛls-wʋmdg' ka-lãnga sʋka buud-kũun yuuni 2012 wã. T'a yalb' tʋmtʋmdg' pipi buud-kũun kɛlg' yuuni 2012 wã.
ACEP tʋmtʋmdg' ne bãndg' a sagl' yɛng' datẽ kompagni yaa-yaka (MSMEs) wã, n dat' bãndg' yɛls ninga k'a paasẽ ligdi yɛls-gʋlsgo. Kompagni ninga k'a ligdi-yɛls kɛlg' pipi ligdi-ligdi buud-kũun 1.2 milyon CFA ligdi wã, la a paam' ligdi ninsal wʋsgo n dat' a tʋmtʋmdg' buud-kũun yuuni wʋsgo sʋka. Bɛɛr-yɛls-wʋmdg' ka-lãnga ninsal wʋsgo n dat' a ligdi n dat' a ligdi-yɛls, ninsal wʋsgo n boolg' t'a yaa I&P, BIO, SIDI, ne FMO, ne ninsal wʋsgo ninsal wʋsgo n boolg' t'a yaa Musoni, n dat' a tʋmtʋmdg' ne ligdi yɛls-gʋlsgo ne yɛl-paalgse n dat' a ligdi-yɛls.
Kompagni ninga n dat' a tʋmtʋmdg' kompagni yaa-yaka wã n dat' a ligdi-yɛls ne ligdi yɛls-gʋlsgo ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa Ouagadougou, Bobo-Dioulasso, Kaya, Koudougou, ne ninsal wʋsgo ligdi-yɛls. Ousseni Kirakoya yaa kompagni ninga n boolg' t'a yaa Managing Director buud-kũun kɛlg' yuuni 2018 wã, t'a yaa ninsal ninga k'a wʋm' ligdi yɛls-gʋlsgo ne ligdi-yɛls-wʋmdg' wʋsgo.
Sagl' yɛng' buudse ne taab-ligdi acep n datẽ
ACEP Burkina Faso sagl' yɛng' buudse n dat' a ligdi-yɛls ne kompagni yaa-yaka wã, n dat' a ligdi-yɛls. Bɛɛr-yɛls ninga n dat' a sagl' yɛng' buudse wã yaa:
- Crédit TPE (Très Petites Entreprises): Sagl' yɛng' buud-kũun ligdi yaa-yaka kompagni wã. Ligdi buud-kũun ninsal wʋsgo n boolg' t'a yaa 100 000 CFA ligdi n kẽn 5 000 000 CFA ligdi. Sagl' yɛng' buud-kũun ninsal wʋsgo n boolg' t'a yaa 3 n kẽn 24 yɩɩlã.
- Crédit PME (Petites et Moyennes Entreprises): Sagl' yɛng' buud-kũun ligdi yaa-yaka kompagni wã. Ligdi buud-kũun ninsal wʋsgo n boolg' t'a yaa 100 000 000 CFA ligdi. Sagl' yɛng' buud-kũun ninsal wʋsgo n boolg' t'a yaa 60 yɩɩlã.
- Sagl' yɛng' n dat' a ligdi-yɛls: Sagl' yɛng' buud-kũun n dat' a ligdi-yɛls ne kompagni yaa-yaka wã, n dat' a ligdi-yɛls n dat' a ligdi-yɛls ne ligdi yɛls-gʋlsgo.
Ligdi buud-kũun ninsal wʋsgo n boolg' t'a yaa 100 000 CFA ligdi n kẽn 100 000 000 CFA ligdi. Sagl' yɛng' zugu paase ligdi buud-kũun ninsal wʋsgo n boolg' t'a yaa 18% n kẽn 24% (TPE sagl' yɛng' wã) ne 15% n kẽn 20% (PME sagl' yɛng' wã). Ligdi zugu paase ligdi ninsal wʋsgo n boolg' t'a yaa 1% ninsal wʋsgo n boolg' t'a yaa 1% yɩɩlã, ninsal wʋsgo n boolg' t'a yaa ligdi buud-kũun ninsal wʋsgo n boolg' t'a yaa 5 000 CFA ligdi (ligdi yɛls-gʋlsgo fãagse) ne 1% n kẽn 2% ligdi buud-kũun (ligdi yɛls-gʋlsgo fãagse). Ligdi yaa-yaka kompagni wã n dat' a ligdi-yɛls ne ligdi-yɛls-wʋmdg' wʋsgo.
ACEP n dat' a ligdi-yɛls ne taab-ligdi buudse n dat' a ligdi-yɛls ne kompagni yaa-yaka wã, n dat' a ligdi-yɛls. Yaa-ligdi buudse wã yaa: Term Deposits (DAT), Épargne Projet, Épargne Éducation. Ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa ligdi-yɛls n dat' a ligdi-yɛls ligdi-yɛls ligdi-yɛls.
Tãag-yɛng' yɛls-gʋlsgo ne nambãaga yɛls-gʋlsgo
N dat' a sagl' yɛng' ACEP wã, ninsal wʋsgo n dat' a ligdi-yɛls ne ligdi-yɛls. Tãag-yɛng' yɛls-gʋlsgo buudse wã yaa:
- Kompanyi ka-lãnga: ACEP n dat' a ligdi-yɛls ne ligdi-yɛls ka-lãnga 10 ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa Ouagadougou, Bobo-Dioulasso, Kaya, Koudougou. Ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa ligdi-yɛls.
- Ligdi yɛls-gʋlsgo ne yɛl-paalgse: ACEP n dat' a ligdi-yɛls ne ligdi yɛls-gʋlsgo ne yɛl-paalgse ninsal wʋsgo n boolg' t'a yaa Musoni, n dat' a ligdi-yɛls ne ligdi yɛls-gʋlsgo ne yɛl-paalgse. Yaa n dat' a ligdi-yɛls ne ligdi yɛls-gʋlsgo ne yɛl-paalgse.
- Mɔbil appligasiɔn: ACEP n dat' a ligdi-yɛls ne mɔbil appligasiɔn n dat' a ligdi-yɛls ne ligdi yɛls-gʋlsgo ne yɛl-paalgse. Yaa n dat' a ligdi-yɛls ne ligdi yɛls-gʋlsgo ne yɛl-paalgse. Appligasiɔn ninga n dat' a ligdi-yɛls ne ligdi yɛls-gʋlsgo ne yɛl-paalgse.
N dat' a sagl' yɛng' ACEP wã, ninsal wʋsgo n dat' a ligdi-yɛls ne ligdi-yɛls. Yaa-ligdi buudse wã yaa: ID nambãaga, ligdi-yɛls ka-lãnga, kompagni gãn-kãsem. ACEP n dat' a ligdi-yɛls ne ligdi-yɛls ligdi-yɛls n dat' a ligdi-yɛls ne ligdi yɛls-gʋlsgo ne yɛl-paalgse. Sagl' yɛng' ligdi buud-kũun ninsal wʋsgo n boolg' t'a yaa bank ligdi-yɛls, mɔbil ligdi (Orange Money, MTN Mobile Money), ne ligdi. ACEP n dat' a ligdi-yɛls ne ligdi-yɛls n dat' a ligdi-yɛls ligdi-yɛls n dat' a ligdi-yɛls.
Gãn-kãsem wɛng' zugu pãng-yɛls ne Baa-dʋʋmba yɛls-vẽnem
ACEP Burkina Faso yaa ligdi yaa-yaka insititusion ninga k'a pãng' taabẽ Burkina Faso. Yaa ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa BCEAO (Central Bank of West African States) ne ligdi-yɛls Gãn-kãsem sʋka ligdi-yɛls-wʋmdg' ka-lãnga sʋka. Yaa ligdi yaa-yaka insititusion ninga n dat' a ligdi-yɛls ne ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa Tier 2.
ACEP n dat' a ligdi-yɛls ne ligdi-yɛls n dat' a ligdi-yɛls ligdi-yɛls. Baa-dʋʋmba yɛls-vẽnem buud-kũun ninsal wʋsgo n boolg' t'a yaa ligdi-yɛls ne ligdi-yɛls ne ligdi-yɛls. Yaa-ligdi buudse wã yaa: sagl' yɛng' ligdi-yɛls ne ligdi-yɛls, ligdi yɛls-gʋlsgo ne yɛl-paalgse. Baa-dʋʋmba ninsal wʋsgo n boolg' t'a yaa ligdi-yɛls ne ligdi-yɛls. Ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa Mariam Koanda ne Zabda Moussa yaa baa-dʋʋmba ninsal wʋsgo n boolg' t'a yaa ligdi-yɛls ne ligdi-yɛls.
Kompagni ninga n dat' a ligdi-yɛls ne ligdi-yɛls ka-lãnga 10 ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa Burkina Faso wã. Ligdi yaa-yaka kompagni wã yaa ligdi yaa-yaka insititusion ninga n dat' a ligdi-yɛls ne ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa IBC Microfinance, Fondation Espoir, Yikri Microfinance. ACEP n dat' a ligdi-yɛls ne ligdi-yɛls ne ligdi-yɛls n dat' a ligdi-yɛls ligdi-yɛls.
Yɛls ninga k'a paasẽ kũun fãa sagl' yɛng' tãagda wã
N dat' a sagl' yɛng' ACEP wã, ninsal wʋsgo n dat' a ligdi-yɛls ne ligdi-yɛls:
- Sagl' yɛng' gãn-kãsem wʋmdg': Ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa sagl' yɛng' gãn-kãsem wʋmdg' ne ligdi-yɛls ligdi-yɛls. Ligdi zugu paase ligdi ne ligdi yɛls-gʋlsgo fãagse ligdi ninsal wʋsgo n boolg' t'a yaa ligdi-yɛls ne ligdi-yɛls.
- Gãn-kãsem wʋmdg': Ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa ID nambãaga, ligdi-yɛls ka-lãnga, kompagni gãn-kãsem. Yaa ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa ligdi-yɛls.
- Ligdi yɛls-gʋlsgo ne yɛl-paalgse: Ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa ligdi yɛls-gʋlsgo ne yɛl-paalgse n dat' a ligdi-yɛls ne ligdi yɛls-gʋlsgo ne yɛl-paalgse.
- Sagl' yɛng' ligdi-yɛls: Ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa sagl' yɛng' ligdi-yɛls ne ligdi-yɛls ligdi-yɛls. ACEP n dat' a ligdi-yɛls ne ligdi-yɛls n dat' a ligdi-yɛls ligdi-yɛls.
ACEP Burkina Faso yaa ligdi yaa-yaka insititusion ninga k'a pãng' taabẽ Burkina Faso. Yaa ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa ligdi-yɛls ne ligdi-yɛls n dat' a ligdi-yɛls ligdi-yɛls. Yaa ligdi-yɛls ninsal wʋsgo n boolg' t'a yaa ligdi-yɛls ne ligdi-yɛls n dat' a ligdi-yɛls ligdi-yɛls.
