{"id":18454,"date":"2026-06-20T13:05:28","date_gmt":"2026-06-20T13:05:28","guid":{"rendered":"https:\/\/dev.iita.org\/news-item\/community-rotating-savings-group-helping-smallholder-farmers-solve-access-to-credit-2\/"},"modified":"2026-06-29T16:47:00","modified_gmt":"2026-06-29T16:47:00","slug":"community-rotating-savings-group-helping-smallholder-farmers-solve-access-to-credit-2","status":"publish","type":"news-item","link":"https:\/\/iita.org\/fr\/news-item\/community-rotating-savings-group-helping-smallholder-farmers-solve-access-to-credit-2\/","title":{"rendered":"Groupement d'\u00e9pargne rotatif communautaire aidant les petits exploitants agricoles \u00e0 r\u00e9soudre l'acc\u00e8s au cr\u00e9dit"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><figure id=\"attachment_34127\" aria-describedby=\"caption-attachment-34127\" style=\"width: 820px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/iita.org\/wp-content\/uploads\/2026\/06\/Community-p1.png\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-34127\" src=\"https:\/\/iita.org\/wp-content\/uploads\/2026\/06\/Community-p1.png\" alt=\"Moniz Ant\u00f3nio, a smallholder farmer and member of his community savings group.\" width=\"820\" height=\"547\" \/><\/a><figcaption id=\"caption-attachment-34127\" class=\"wp-caption-text\">Moniz Ant\u00f3nio, un petit agriculteur et membre de son groupe d'\u00e9pargne communautaire.<\/figcaption><\/figure><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Access to credit from formal banks is limited for smallholder farmers due to high interest rates, difficulty in gathering the required documents, and other factors across Africa. Through savings and rotative credit groups, communities, mainly women and youths, can save money for a long time and access loans (credit) that allow them to improve and invest in agricultural production and carry out other important projects in their lives, such as building and furnishing their homes and investing in their children&#8217;s education.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><figure id=\"attachment_34128\" aria-describedby=\"caption-attachment-34128\" style=\"width: 820px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/iita.org\/wp-content\/uploads\/2026\/06\/The-savings-groups-is-inclusive-and-gender-sensitive-encompassing-elders-women-and-youths.png\"><img decoding=\"async\" class=\"size-full wp-image-34128\" src=\"https:\/\/iita.org\/wp-content\/uploads\/2026\/06\/The-savings-groups-is-inclusive-and-gender-sensitive-encompassing-elders-women-and-youths.png\" alt=\"The savings groups is inclusive and gender sensitive, encompassing elders, women and youths.\" width=\"820\" height=\"411\" \/><\/a><figcaption id=\"caption-attachment-34128\" class=\"wp-caption-text\">Le groupe d'\u00e9pargne est inclusif et sensible au genre, comprenant les a\u00een\u00e9s, les femmes et les jeunes.<\/figcaption><\/figure><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cadre du projet AID-I, des groupes d'\u00e9pargne et de cr\u00e9dit rotatifs sont cr\u00e9\u00e9s et restaur\u00e9s pour rendre l'argent plus accessible aux familles des communaut\u00e9s. Ces groupes impliquent de petits exploitants agricoles des districts de Malema, Mecuburi, Mogovolas, Monapo et Rib\u00e1u\u00e8 dans la province de Nampula, et d'Alto Mol\u00f3cu\u00e8, Gur\u00fa\u00e8, Ile et Mocuba dans la province de Zamb\u00e9zia, dans le nord du Mozambique, qui re\u00e7oivent une \u00e9ducation financi\u00e8re ax\u00e9e sur la gestion du cr\u00e9dit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><figure id=\"attachment_34129\" aria-describedby=\"caption-attachment-34129\" style=\"width: 820px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/iita.org\/wp-content\/uploads\/2026\/06\/Members-during-a-savings-group-meeting.png\"><img decoding=\"async\" class=\"size-full wp-image-34129\" src=\"https:\/\/iita.org\/wp-content\/uploads\/2026\/06\/Members-during-a-savings-group-meeting.png\" alt=\"Members during a savings group meeting.\" width=\"820\" height=\"411\" \/><\/a><figcaption id=\"caption-attachment-34129\" class=\"wp-caption-text\">Membres lors d'une r\u00e9union d'un groupe d'\u00e9pargne.<\/figcaption><\/figure><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les groupes sont compos\u00e9s de 20 \u00e0 35 membres qui se r\u00e9unissent une fois par semaine pour \u00e9pargner une certaine somme sur une ann\u00e9e. Le processus d'\u00e9pargne comprend \u00e9galement des pr\u00eats et une caisse sociale dont tout membre peut se servir en cas d'urgence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Am\u00e9lia Semente Bala lives in the Rib\u00e1ue district located in Nampula province. An agricultural producer from a young age, Am\u00e9lia is now over 60 and lives alone. She learned about the benefits of saving more than five years ago and has been doing so ever since. As a beneficiary of the AID-I project through the UATAF Association, she has strengthened her knowledge and joined a new family savings group, thanks to the benefits she has noticed. \u201cI have many advantages when I save money. I managed to save enough to buy sheet metal and roof my house and get electricity. With this year&#8217;s savings, I want to have concrete blocks made and build a new house. When the cycle ends, I can hire youths to help me with sowing or harvesting, and with the money saved, I can pay them.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><figure id=\"attachment_34130\" aria-describedby=\"caption-attachment-34130\" style=\"width: 820px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/iita.org\/wp-content\/uploads\/2026\/06\/Amelia-Bala.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-34130\" src=\"https:\/\/iita.org\/wp-content\/uploads\/2026\/06\/Amelia-Bala.png\" alt=\"Am\u00e9lia Bala, a member of a savings group in Nampula province.\" width=\"820\" height=\"547\" \/><\/a><figcaption id=\"caption-attachment-34130\" class=\"wp-caption-text\">Am\u00e9lia Bala, membre d'un groupe d'\u00e9pargne dans la province de Nampula.<\/figcaption><\/figure><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec le m\u00eame sentiment, Moniz At\u00f3nio, un jeune homme qui a \u00e9galement d\u00e9cid\u00e9 de rejoindre le groupe d'\u00e9pargne o\u00f9, selon lui, il parvient \u00e0 \u00e9conomiser de l'argent, ce qui l'aide \u00e0 acheter des mat\u00e9riaux de construction, \u00e0 acqu\u00e9rir des intrants agricoles tels que des semences, des herbes, des engrais et autres, ce qui lui est b\u00e9n\u00e9fique, car il est difficile d'\u00e9conomiser de l'argent seul, mais avec l'\u00e9pargne, il peut couvrir les d\u00e9penses et r\u00e9aliser ses projets. \u201c J'ai d\u00e9j\u00e0 r\u00e9ussi \u00e0 construire ma maison et \u00e0 acheter des t\u00f4les pour la couvrir. Je fais partie du groupe d'\u00e9pargne depuis quatre ans, et l'argent provient de ce que je gagne dans les champs, et j'encourage les autres membres de la communaut\u00e9 \u00e0 faire de m\u00eame. \u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Am\u00e9lia and Moniz&#8217;s savings group consists of 25 members, 11 of whom are women.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D'ici la fin de l'initiative, il est pr\u00e9vu que 220 groupes d'\u00e9pargne seront constitu\u00e9s et revitalis\u00e9s, impliquant plus de 4 000 petits exploitants agricoles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette action s'int\u00e8gre dans un ensemble d'efforts de l'Initiative de livraison acc\u00e9l\u00e9r\u00e9e de l'innovation (AID-I), mise en \u0153uvre par <a href=\"https:\/\/iita.org\/fr\/\">IITA<\/a>\u2013<a href=\"https:\/\/www.cgiar.org\/\">CGIAR<\/a> et ses partenaires, dont l'objectif est d'acc\u00e9l\u00e9rer la mise en \u0153uvre d'innovations pour aider les petits exploitants agricoles \u00e0 faire face aux d\u00e9fis et \u00e0 am\u00e9liorer la production agricole, et \u00e0 renforcer la r\u00e9silience des communaut\u00e9s face aux chocs climatiques au Mozambique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Contributed by Safira Gil Chirindza<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Access to credit from formal banks is limited for smallholder farmers due to high interest rates, difficulty in gathering the required documents, and other factors across Africa.<\/p>","protected":false},"featured_media":18455,"template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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