Lancé au Bengladesh en 1983, le microcrédit a pour principe d'accorder des prêts de petits montants remboursables sur du court terme, aux exclus des systèmes bancaires. Actuellement, on estime à 60 millions le nombre de clients de microcrédit. Le microcrédit est un outil efficace pour les Objectifs de Développement du Millénaire (ODM) de l'ONU qui visent à réduire de moitié la pauvreté et la faim dans le monde d'ici 2015. Galerie de portraits de bénéficiaires de microcrédits dans 4 pays du monde.
Bombay, India. Shubangi Mestri, 48, is a seamstress. She obtained her first loan 10 years ago. She recently borrowed 90 euros (6 000 rupees) and reimburses 6 euros per month (408 rupees) for 20 months. The total includes 50 rupees of savings and 58 rupees in interest. With this loan she was able to buy merchandise to extend her shop.
DEJ0049425x © Jéromine Derigny
Bombay, India. Shobha Paradkar, 55, has a small vegetable shop. She obtained her first loan in 2004, for a total of 30 euros (2 000 rupees). She reimburses 2.50 euros per month (175 rupees) for 20 months, of which 25 rupees in interest and 50 rupees of savings. With this loan she can buy baskets to place the vegetables in.
DEJ0049424x © Jéromine Derigny
Bombay, India. Aishwarya Mayekar, 58, has a small meal delivery company. She obtained 6 loans, over 17 years. Her last one was 30 euros (2 000 rupees) and allowed her to buy big saucepans, a mixer and gas. She reimburses 2.50 euros per month (175 rupees) over a 30 month period, of which 25 rupees of interest and 50 rupees of savings.
DEJ0049423x © Jéromine Derigny
Ouagadougou, Burkina Faso. Marcelline Nionguierma, 55, makes 'dolo' to sell at the market. A year ago, she obtained a 75 euro loan (50 000 FCFA) to by stocks of mill and wood. She reimburses 26 euros (17 500 FCFA) every 4 months, in 3 installments. She earns between 2 and 3 euros (1 500 to 2 000 FCFA) per market day.
DEJ0049435x © Jéromine Derigny
Managua, Nicaragua. Lea Maria Mendosa, 32. Her second loan was for 150 euros (3000 cordobas) which she obtained to buy vegetables. She reimburses 13 euros (265 cordobas) every week.
DEJ0049427x © Jéromine Derigny
Managua, Nicaragua. Rodolfo Artiaga, 40, and his son. To raise his capital, he obtained a 300 euro loan (6 000 cordobas). He reimburses 20 euros per week (405 cordibas) over 16 weeks. It's his fifth loan.
DEJ0049428x © Jéromine Derigny
Managua, Nicaragua. Maria Hernandez, 39. She obtained her first loan of 80 euros (1 600 cordobas) in February 2004, to buy meat. She reimburses 20 euros per week (405 cordobas) over a 14 week period.
DEJ0049426x © Jéromine Derigny
Masaya, Nicaragua. Paula Gutierrez has a pottery firm. She was granted a 1 800 euro loan (36 000 cordobas) in September 2003, to buy material. She reimburses 100 euros per month (2 000 cordobas) over an 18 month period. It's her ninth loan.
DEJ0049429x © Jéromine Derigny
Myriam Ringeval started her own beauty institute. Besides her loan, Myriam Ringeval also received grants and support, for example free financial expertise to launch her micro-company.
DEJ0073294x © Jéromine Derigny
Paris, France. Thierry Guenin, took out a microcredit loan, to open an organic flower shop in Paris.
DEJ0049434x © Jéromine Derigny
Denis Mbuyu obtained a 3 500 euro loan in November 2004. He set up an independant multimedia and door-to-door piercing enterprise. Currently on a benefit, he reimburses 150 euros per month over a 2 year period.
DEJ0049431x © Jéromine Derigny
Pascal Lerebours obtained a 4 000 euro loan. He was thus able to put an end to a period of unemployment, by launching his own massage business.
DEJ0073296x © Jéromine Derigny
Paris, France. Eric Crombez started an animal care company for when the owners go on holiday. He obtained a 4 000 euro loan, and reimburses 178 euros per month over a 2 year period. Currently on a benefit, he will have finished paying off his loan by June 2005.
DEJ0049430x © Jéromine Derigny
Paris, France. Aminata N'diaye, 43, opened a fashion store in Paris a year ago. She took out a loan of 8 000 euros with the ADIE, that she reimburses over a four-year period at 242 euros per month.
DEJ0049432x © Jéromine Derigny
France, Paris. Maria Nowak, présidente de l'Adie (association pour le droit à l'initiative économique), auteur du livre "On ne prête (pas) qu'aux riches"
DEJ0049433x © Jéromine Derigny