{"id":6406,"date":"2013-12-24T09:00:19","date_gmt":"2013-12-24T15:00:19","guid":{"rendered":"https:\/\/www.insta-pro.com\/fr\/2013\/12\/24\/money-is-all-you-need\/"},"modified":"2019-07-22T05:58:34","modified_gmt":"2019-07-22T10:58:34","slug":"money-is-all-you-need","status":"publish","type":"post","link":"https:\/\/instapro.spinuhost.com\/fr\/blog\/strategie-commerciale-et-financement\/money-is-all-you-need\/","title":{"rendered":"Tout ce dont vous avez besoin, c\u2019est de l\u2019argent…\u00a0?"},"content":{"rendered":"

Trouver l\u2019argent pour s\u2019\u00e9quiper et acheter les mati\u00e8res premi\u00e8res s\u2019av\u00e8re le principal obstacle pour cr\u00e9er une entreprise agroalimentaire en Afrique.<\/p>\n

Oui, je l\u2019ai d\u00e9j\u00e0 dit auparavant.<\/p>\n

Certains ne sont pas d\u2019accord avec moi. Randall Kempner, qui dirige Aspen Network of Development Entrepreneurs (ANDE<\/a>), un r\u00e9seau international d\u2019organismes qui financent les petites entreprises dans les march\u00e9s \u00e9mergents, a d\u00e9clar\u00e9 le mois dernier lors de la conf\u00e9rence du BiD Network<\/a> <\/b>\u00e0 Kigali : \u00ab Deux autres obstacles sont encore plus importants. Le premier, c\u2019est l\u2019acc\u00e8s aux comp\u00e9tences. Le second, c\u2019est l\u2019acc\u00e8s aux march\u00e9s. Vient ensuite l\u2019acc\u00e8s au capital. \u00bb<\/p>\n

L\u2019African Development Bank (AfDB) vient de publier un rapport intitul\u00e9 Financial Inclusion in Africa<\/a> (int\u00e9gration financi\u00e8re en Afrique).<\/i><\/p>\n

Celui-ci affirme que les entreprises d\u2019Afrique subsaharienne ont un acc\u00e8s plus difficile au financement externe. Seules 22 % des entreprises africaines b\u00e9n\u00e9ficient d\u2019un pr\u00eat ou d\u2019une marge de cr\u00e9dit, alors que cette proportion est de 43 % dans les autres pays en d\u00e9veloppement hors d\u2019Afrique.<\/p>\n

\u00ab En Afrique subsaharienne, 45 % des entreprises mentionnent l\u2019acc\u00e8s au financement comme principal frein \u00e0 la croissance. Toutefois, un plus grand pourcentage de petites entreprises d\u00e9clarent que l\u2019acc\u00e8s au financement<\/a> est le principal obstacle par rapport aux moyennes et grandes entreprises. \u00bb<\/p>\n

Une grande partie de la population ne b\u00e9n\u00e9ficie pas du syst\u00e8me bancaire<\/b><\/em><\/p>\n

En moyenne, 23 % des adultes d\u2019Afrique poss\u00e8dent un compte dans un \u00e9tablissement financier officiel. Autrement dit, plus de 3 personnes sur 4 n\u2019ont pas de compte en banque, m\u00eame s\u2019il se peut qu\u2019elles adh\u00e8rent \u00e0 un syst\u00e8me d\u2019\u00e9pargne non officiel.  Ce n\u2019est donc peut-\u00eatre pas si \u00e9tonnant que les banques d\u2019affaires n\u2019aient pas \u00e9norm\u00e9ment d\u2019argent \u00e0 pr\u00eater, ce qui explique qu\u2019elles soient tr\u00e8s prudentes.<\/p>\n

Les investisseurs priv\u00e9s \u00e0 la rescousse ?<\/b><\/em><\/p>\n

Les investisseurs priv\u00e9s africains et l\u2019indice de capital risque<\/a> montrent que les fonds priv\u00e9s africains ont donn\u00e9 11 % de rendement annualis\u00e9 au cours des 10 derni\u00e8res ann\u00e9es. Cela est bas\u00e9 sur les rendements de 40 fonds d\u2019une valeur de 7,3 milliards de dollars qui sont investis dans plus de 350 entreprises de 25 pays africains.<\/p>\n

\u00ab Nous nous attendons \u00e0 ce que l\u2019indice donne davantage confiance aux investisseurs, dans la mesure o\u00f9 il montre que les retours des fonds priv\u00e9s en Afrique sont au moins aussi attrayants que dans d\u2019autres r\u00e9gions \u00bb, a d\u00e9clar\u00e9 David Wilton, directeur des investissements \u00e0 l\u2019IFC de la Banque mondiale.<\/p>\n

Mais tout le monde ne partage pas cet optimisme. Le contr\u00f4le des changes, la r\u00e9glementation nationale, les transactions de faible montant, la fragmentation des march\u00e9s, et le d\u00e9ficit en comp\u00e9tences de gestion, sont tous des freins pour les investisseurs externes.<\/p>\n

Rappelez-vous que 84 % des investissements dans les PME en Afrique sont financ\u00e9s par des fonds internes (les b\u00e9n\u00e9fices des entreprises sont la source de l\u2019investissement). N\u2019oubliez pas non plus que les investisseurs ont le choix. Par exemple, le PIB d\u2019Afrique du Sud (384 milliards de dollars) demeure inf\u00e9rieur \u00e0 celui de la Caroline du Nord (399 milliards de dollars).<\/p>\n

De l\u2019optimisme pour 2014<\/b><\/em><\/p>\n

2014 apportera-t-il plus de fonds aux entrepreneurs de l\u2019agroalimentaire en Afrique ? Les pr\u00e9visions sont pour le moins optimistes, car les difficult\u00e9s rencontr\u00e9es par les PME en mati\u00e8re d\u2019investissement sont de mieux en mieux comprises. Les initiatives telles que le syst\u00e8me de garantie d\u2019emprunt DCA, le fonds de garantie pour l\u2019Afrique et le programme de cr\u00e9dit-bail Insta-Pro-Innovare sont l\u00e0 pour trouver des solutions qui permettront aux entrepreneurs d\u2019acc\u00e9der au capital.<\/p>\n

Alors si vous \u00eates une entreprise agroalimentaire en Afrique, ne vous inqui\u00e9tez pas du QE de la R\u00e9serve f\u00e9d\u00e9rale moins avantageux ou de la g\u00e9n\u00e9ration manqu\u00e9e en Europe. Recherchez des fonds d\u00e8s maintenant : ils cherchent probablement aussi apr\u00e8s vous !<\/p>\n

\n","protected":false},"excerpt":{"rendered":"

Trouver l\u2019argent pour s\u2019\u00e9quiper et acheter les mati\u00e8res premi\u00e8res s\u2019av\u00e8re le principal obstacle pour cr\u00e9er une entreprise agroalimentaire en Afrique. Oui, je l\u2019ai d\u00e9j\u00e0 dit auparavant. Certains ne sont pas d\u2019accord avec moi. Randall Kempner, qui dirige Aspen Network of Development Entrepreneurs (ANDE), un r\u00e9seau international d\u2019organismes qui financent les petites entreprises dans les march\u00e9s […]<\/p>\n","protected":false},"author":8,"featured_media":10830,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8203],"tags":[9030,591],"class_list":["post-6406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategie-commerciale-et-financement","tag-african-business-fr","tag-strategie-commerciale-fr-3"],"acf":[],"yoast_head":"\nFinancement des entreprises agroalimentaires africaines | Insta-Pro Intl<\/title>\n<meta name=\"description\" content=\"Trouver l\u2019argent pour s\u2019\u00e9quiper et acheter les mati\u00e8res premi\u00e8res s\u2019av\u00e8re le principal obstacle pour cr\u00e9er une entreprise agroalimentaire en Afrique. 2014 sera-t-elle 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