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Le microcrédit dans le monde


Jéromine DERIGNY

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.


 

Jéromine Derigny / Argos / Picturetank DEJ0049425

Bombay, India Shubangi Mestri, 48, is a seamstress. She received her first loan ten years ago. She recently borrowed 90 euros (6,000 rupees) which she will reimburse at 6 euros (408 rupees) per month for 20 months. That amount includes 50 rupees of savings and 58 rupees in interest. With the loan, she was able to purchase merchandise to extend her shop.

India - 00/01/2005

 

Jéromine Derigny / Argos / Picturetank DEJ0049424

Bombay, India Shobha Paradkar, 55, has a small produce business. She received her first loan in 2004, in an amount of 30 euros (2,000 rupees). She pays back 2.5 euros (175 rupees) per month for 20 months, including 25 rupees of interest and 50 rupees of savings. With the loan money, she bought baskets to hold her vegetables.

India - 00/01/2005

 

Jéromine Derigny / Argos / Picturetank DEJ0049423

Bombay, India Aishwarya Mayekar, 58, has a small meal delivery business. She has received 6 loans in 17 years. Her last loan, of 30 euros (2,000 rupees), allowed her to pay for large pots, a blender, and gas. She pays back 2.5 euros (175 rupees) per month for 30 months, including 25 rupees in interest and 50 rupees in savings.

India - 00/01/2005

 

Jéromine Derigny / Argos / Picturetank DEJ0049435

Ouagadougou, Burkina Faso Marcelline Nionguierma, 55, makes dolo and sells it on the market. A year ago she received a loan of 75 euros (50,000 FCFA) to buy supplies of millet and wood. She pays back 26 euros (17,500 FCFA) every four months, in three installments. She earns between 2 and 3 euros (1,500 to 2,000 FCFA) per market day.

France - 00/11/2004

 

Jéromine Derigny / Argos / Picturetank DEJ0049427

Managua, Nicaragua Lea Maria Mendosa, 32. Her second loan was for 150 euros (3,000 cordobas); she used it to buy vegetables. She pays back 13 euros (265 cordobas) each week.

Nicaragua - 00/03/2005

 

Jéromine Derigny / Argos / Picturetank DEJ0049428

Managua, Nicaragua Rodolfo Artiaga, 40, and his son. To increase his capital, he requested a loan of 300 euros (6,000 cordobas). He pays back 20 euros (405 cordobas) per week for 16 weeks. This is his fifth loan.

Nicaragua - 00/03/2005

 

Jéromine Derigny / Argos / Picturetank DEJ0049426

Managua, Nicaragua Maria Hernandez is 39. She received her first loan of 80 euros (1,600 cordobas) in February 2004, to purchase meat. She pays back 20 euros (405 cordobas) per week for 14 weeks.

Nicaragua - 00/03/2005

 

Jéromine Derigny / Argos / Picturetank DEJ0049429

Managua, Nicaragua Paula Gutierrez has a pottery business. She got a loan of 1,800 euros (36,000 cordobas) in September 2003 to purchase materials and equipment. She will reimburse 100 euros (2,000 cordobas) per month for 18 months. This is her ninth loan.

Nicaragua - 00/03/2005

 

Jéromine Derigny / Argos / Picturetank DEJ0073294

Myriam Ringeval opened her own beauty salon. In addition to her loan, Myriam also received aid and support – for example, financial expertise to help her start her business.

France - 00/01/2006

 

Jéromine Derigny / Argos / Picturetank DEJ0049434

Paris, France Thierry Guenin, who opened an organic florist’s shop in Paris with the help of microcredit

France - 00/03/2005

 

Jéromine Derigny / Argos / Picturetank DEJ0049431

Paris, France Denis Mbuyu received a loan of 3,500 euros in November 2004. He started a small multimedia and home piercing company. Currently living on welfare, he will pay back 150 euros per month for two years.

France - 00/03/2005

 

Jéromine Derigny / Argos / Picturetank DEJ0073296

Pascal Lerebours got a 4,000-euro loan. He was able to break out of unemployment by starting an in-home massage practice.

France - 00/01/2006

 

Jéromine Derigny / Argos / Picturetank DEJ0049430

Paris, France Eric Crombez opened a boarding kennel for animals whose owners are on vacation. He received a loan of 4,000 euros and will pay back 178 euros per month for two years. He is currently on welfare and his loan will be paid off in June 2005.

France - 00/03/2005

 

Jéromine Derigny / Argos / Picturetank DEJ0049432

Paris, France Aminata N'diaye, 43, opened a ready-to-wear boutique in Paris a year ago. She borrowed 8,000 euros from ADIE (Association for the Right to Economic Initiative), which she is paying back over a period of four years at 242 euros per month.

France - 00/03/2005

 

Jéromine Derigny / Argos / Picturetank DEJ0049433

Paris, France Maria Nowak, Director of ADIE and author of the book On ne prête (pas) qu'aux riches (Lending Not Only to the Rich)

France - 00/03/2005



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