{"id":47263,"date":"2026-03-18T12:21:07","date_gmt":"2026-03-18T12:21:07","guid":{"rendered":"https:\/\/www.europesays.com\/afrique\/47263\/"},"modified":"2026-03-18T12:21:07","modified_gmt":"2026-03-18T12:21:07","slug":"le-kenya-lance-un-mecanisme-de-garantie-pour-faciliter-le-credit-bancaire-aux-start-up","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/afrique\/47263\/","title":{"rendered":"Le Kenya lance un m\u00e9canisme de garantie pour faciliter le cr\u00e9dit bancaire aux start up"},"content":{"rendered":"<p style=\"text-align: justify;\">Malgr\u00e9 un \u00e9cosyst\u00e8me de start\u2011up parmi les plus dynamiques d\u2019Afrique, le Kenya reste confront\u00e9 \u00e0 des contraintes d\u2019acc\u00e8s au financement pour ses jeunes entreprises. Les autorit\u00e9s cherchent \u00e0 lever ces obstacles afin de soutenir la croissance et l\u2019industrialisation du num\u00e9rique.<\/p>\n<p class=\"texte\" style=\"text-align: justify;\">Le Kenya muscle le financement de son \u00e9cosyst\u00e8me technologique en s&rsquo;attaquant au verrou du cr\u00e9dit local. Le mardi 17 mars \u00e0 Nairobi, le Fonds d\u2019\u00e9quipement des Nations unies (FENU) et la Co\u2011operative Bank of Kenya ont act\u00e9 un m\u00e9canisme de garantie de portefeuille de pr\u00eats. Ce dispositif, int\u00e9gr\u00e9 au programme DigiKen, est con\u00e7u pour rassurer les banques face au risque per\u00e7u des jeunes pousses num\u00e9riques et des plateformes en pleine croissance.<\/p>\n<p>&#13;<\/p>\n<p dir=\"ltr\" lang=\"en\">\ud835\udc0b\ud835\udc1a\ud835\udc2e\ud835\udc27\ud835\udc1c\ud835\udc21 \ud835\udc28\ud835\udc1f \ud835\udc05\ud835\udc22\ud835\udc27\ud835\udc1a\ud835\udc27\ud835\udc1c\ud835\udc22\ud835\udc27\ud835\udc20 \ud835\udc05\ud835\udc1a\ud835\udc1c\ud835\udc22\ud835\udc25\ud835\udc22\ud835\udc2d\ud835\udc32 \ud835\udc2d\ud835\udc28 \ud835\udc14\ud835\udc27\ud835\udc25\ud835\udc28\ud835\udc1c\ud835\udc24 \ud835\udc06\ud835\udc2b\ud835\udc28\ud835\udc30\ud835\udc2d\ud835\udc21 \ud835\udc1f\ud835\udc28\ud835\udc2b \ud835\udc08\ud835\udc27\ud835\udc1d\ud835\udc22\ud835\udc20\ud835\udc1e\ud835\udc27\ud835\udc28\ud835\udc2e\ud835\udc2c \ud835\udc03\ud835\udc22\ud835\udc20\ud835\udc22\ud835\udc2d\ud835\udc1a\ud835\udc25 \ud835\udc0f\ud835\udc25\ud835\udc1a\ud835\udc2d\ud835\udc1f\ud835\udc28\ud835\udc2b\ud835\udc26\ud835\udc2c \ud835\udc1a\ud835\udc27\ud835\udc1d \ud835\udc0c\ud835\udc12\ud835\udc0c\ud835\udc04\ud835\udc2c<\/p>\n<p>Nairobi, Kenya \u2013 17th March, 2026<\/p>\n<p>The Ministry of Information, Communications and the Digital Economy today\u2026 <a href=\"https:\/\/t.co\/rWoBshALxJ\" rel=\"nofollow\">pic.twitter.com\/rWoBshALxJ<\/a><\/p>\n<p>&#13;<br \/>\n\u2014 Ministry of Info, Comms &amp; The Digital Economy KE (@MoICTKenya) <a href=\"https:\/\/twitter.com\/MoICTKenya\/status\/2033932976237776946?ref_src=twsrc%5Etfw\" rel=\"nofollow noopener\" target=\"_blank\">March 17, 2026<\/a><\/p>\n<p class=\"texte\" style=\"text-align: justify;\">Le dispositif repose sur un m\u00e9canisme de partage des risques, permettant d\u2019encourager les banques \u00e0 accorder des pr\u00eats \u00e0 des entreprises num\u00e9riques en phase de croissance. En r\u00e9duisant l\u2019exposition des \u00e9tablissements financiers, l\u2019initiative entend lever l\u2019un des principaux obstacles au d\u00e9veloppement des start\u2011up sur le continent : l\u2019acc\u00e8s au financement.<\/p>\n<p class=\"texte\" style=\"text-align: justify;\">Un \u00e9cosyst\u00e8me num\u00e9rique en forte structuration<\/p>\n<p style=\"text-align: justify;\">Ce m\u00e9canisme intervient dans un contexte de mont\u00e9e en puissance de l\u2019\u00e9conomie num\u00e9rique k\u00e9nyane. Le pays s\u2019est impos\u00e9 ces derni\u00e8res ann\u00e9es comme l\u2019un des principaux hubs technologiques d\u2019Afrique, port\u00e9 par un \u00e9cosyst\u00e8me dynamique de start\u2011up, notamment dans les fintechs, les plateformes de services et le commerce num\u00e9rique.<\/p>\n<p class=\"texte\">Cette dynamique est confirm\u00e9e par les classements internationaux. Selon l\u2019indice StartupBlink de mars 2026, le Kenya figure parmi les \u00e9cosyst\u00e8mes de start\u2011up les plus performants du continent, avec 612 start\u2011up r\u00e9pertori\u00e9es, consolidant ainsi son statut de p\u00f4le r\u00e9gional d\u2019innovation. Les investissements publics dans les infrastructures ont \u00e9galement contribu\u00e9 \u00e0 cette \u00e9volution. Selon les autorit\u00e9s, plus de 40 000 kilom\u00e8tres de fibre optique ont d\u00e9j\u00e0 \u00e9t\u00e9 d\u00e9ploy\u00e9s \u00e0 travers le pays, tandis que la plateforme gouvernementale eCitizen revendique plus de 16 millions d\u2019utilisateurs, avec environ 500 000 connexions quotidiennes.<\/p>\n<p class=\"texte\" style=\"text-align: justify;\">Lever les contraintes de financement des start\u2011up<\/p>\n<p style=\"text-align: justify;\">Malgr\u00e9 ces progr\u00e8s, l\u2019acc\u00e8s au financement reste un d\u00e9fi majeur pour les jeunes entreprises num\u00e9riques. Souvent per\u00e7ues comme risqu\u00e9es en raison de mod\u00e8les \u00e9conomiques encore \u00e9mergents, elles peinent \u00e0 mobiliser des capitaux aupr\u00e8s des banques traditionnelles. Le m\u00e9canisme mis en place vise ainsi \u00e0 corriger cette d\u00e9faillance du march\u00e9 en mobilisant des partenaires publics et priv\u00e9s autour d\u2019un mod\u00e8le de financement innovant. En partageant les risques, les acteurs impliqu\u00e9s esp\u00e8rent stimuler l\u2019octroi de cr\u00e9dits et accompagner le passage \u00e0 l\u2019\u00e9chelle des entreprises locales.<\/p>\n<p class=\"texte\" style=\"text-align: justify;\">Samira Njoya<\/p>\n<p class=\"texte\" style=\"text-align: justify;\">Lire aussi:<\/p>\n<p class=\"texte\" style=\"text-align: justify;\"><a href=\"https:\/\/www.wearetech.africa\/actualites\/fils\/actualites\/gestion-publique\/au-kenya-des-cameras-intelligentes-sanctionnent-les-infractions-routieres-par-sms\" rel=\"nofollow noopener\" target=\"_blank\">\u00a0Au Kenya, des cam\u00e9ras intelligentes sanctionnent les infractions routi\u00e8res par SMS<\/a><\/p>\n<p>\t\t<script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n","protected":false},"excerpt":{"rendered":"Malgr\u00e9 un \u00e9cosyst\u00e8me de start\u2011up parmi les plus dynamiques d\u2019Afrique, le Kenya reste confront\u00e9 \u00e0 des contraintes d\u2019acc\u00e8s&hellip;\n","protected":false},"author":2,"featured_media":47264,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[165],"tags":[90,277,544,230,223,18864,416,1858],"class_list":{"0":"post-47263","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-kenya","8":"tag-des","9":"tag-entreprises","10":"tag-financement","11":"tag-kenya","12":"tag-les","13":"tag-mecanisme","14":"tag-numerique","15":"tag-start-up"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@afrique\/116250154246122299","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/afrique\/wp-json\/wp\/v2\/posts\/47263","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/afrique\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/afrique\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/afrique\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/afrique\/wp-json\/wp\/v2\/comments?post=47263"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/afrique\/wp-json\/wp\/v2\/posts\/47263\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/afrique\/wp-json\/wp\/v2\/media\/47264"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/afrique\/wp-json\/wp\/v2\/media?parent=47263"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/afrique\/wp-json\/wp\/v2\/categories?post=47263"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/afrique\/wp-json\/wp\/v2\/tags?post=47263"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}