{"id":5565,"date":"2019-08-01T14:35:29","date_gmt":"2019-08-01T14:35:29","guid":{"rendered":"https:\/\/digi-entrepreneur.com\/?post_type=startup&p=5565"},"modified":"2019-08-01T14:35:29","modified_gmt":"2019-08-01T14:35:29","slug":"jaza-duka","status":"publish","type":"startup","link":"https:\/\/startup-agenda.com\/annuaire\/startup\/jaza-duka\/","title":{"rendered":"Jaza Duka"},"content":{"rendered":"
\n
\n
\n
\n
<\/div>\n<\/div>\n<\/div>\n
\n
\n
\n

Jaza Duka<\/strong> est un programme lance\u0301 par MasterCard et Unilever afin d\u2019aider les micro-entrepreneurs a\u0300 surmonter leurs difficulte\u0301s lie\u0301es au manque en fonds de roulement en leur octroyant des cre\u0301dits jusque-la\u0300 inaccessibles.<\/p>\n

Jaza Duka a vocation a\u0300 financer les besoin de tre\u0301sorerie des TPE africaines, notamment du secteur informel. En plus de cette activite\u0301 de cre\u0301dit, Jaza Duka de\u0301livre des services de conseil aux entrepreneurs dans la gestion de leur activite\u0301 afin de maximiser les chances de remboursement a\u0300 court et moyen terme.<\/p>\n<\/div>\n<\/div>\n

\n
\n

PRINCIPE ET GENE\u0300SE DE L’OFFRE<\/strong><\/p>\n

Unilever a constate\u0301 que beaucoup de ses clients, les micro-entrepreneurs et commerc\u0327ants du secteur informel peinaient parfois a\u0300 se re\u0301approvisionner en marchandises ou matie\u0300res premie\u0300res malgre\u0301 une bonne activite\u0301. Ces difficulte\u0301s sont dues au manque de fonds de roulement. Pour y reme\u0301dier, Unilever s\u2019est associe\u0301e a\u0300 MasterCard pour lancer l\u2019initiative Jaza Duka qui consiste a\u0300 permettre l\u2019achat a\u0300 cre\u0301dit de marchandises par les commerc\u0327ants. Ils les remboursent gra\u0302ce aux revenus de leurs ventes. En 2018, 18 000 entreprises kenyanes ont pu be\u0301ne\u0301ficier de la solution Jaza Duka. L\u2019objectif est d\u2019atteindre 30 000 entreprises en 2019.<\/p>\n<\/div>\n

\n

PARCOURS CLIENT FONCTIONNEMENT<\/strong><\/p>\n

Unilever fournit les donne\u0301es sur les inventaires des commerc\u0327ants de\u0301sirant be\u0301ne\u0301ficier de la solution Jaza Duka a\u0300 MasterCard qui les analyse et transmet les profils e\u0301ligibles a\u0300 un micro cre\u0301dit a\u0300 La Banque Commerciale du Kenya. Ils peuvent alors be\u0301ne\u0301ficier d\u2019un achat a\u0300 cre\u0301dit sans taux d\u2019inte\u0301re\u0302t octroye\u0301 par la Banque Commerciale du Kenya et se\u0301curise\u0301 par la solution de paiement digitale de MasterCard. Mais la solution ne se re\u0301sume pas a\u0300 l\u2019octroiement du cre\u0301dit. Jaza Duka assure aussi un suivi et fournit des conseils sur la strate\u0301gie de gestion d\u2019activite\u0301 et de remboursement du cre\u0301dit. A partir de 18 jours, le remboursement s\u2019effectue avec un taux d\u2019inte\u0301re\u0302t.<\/p>\n<\/div>\n

\n

EN QUOI EST-CE UNE INNOVATION<\/strong><\/p>\n

La solution Jaza Duka conjugue plusieurs innovations. D\u2019abord, l\u2019e\u0301valuation du profil emprunteur a\u0300 partir des inventaires d\u2019Unilever et des analyses de MasterCard. Ensuite, la re\u0301alisation de la transaction se\u0301curise\u0301e et de son contro\u0302le via l\u2019application digitale MasterCard. Enfin, l\u2019accompagnement des commerc\u0327ants dans la maximisation de leur emprunt et la re\u0301duction du risque de de\u0301faut. Cette innovation permet en somme de contourner le proble\u0300me des banques qui ne peuvent pas faire de cre\u0301dit a\u0300 des emprunteurs sans garantie ou historique d\u2019emprunt. Ces derniers sont contraints d\u2019emprunter a\u0300 des taux usuraires quand ils le peuvent et ainsi s\u2019enfermer dans le cercle vicieux de la dette.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Jaza Duka est un programme lance\u0301 par MasterCard et Unilever afin d\u2019aider les micro-entrepreneurs a\u0300 surmonter leurs difficulte\u0301s lie\u0301es au manque en fonds de roulement en leur octroyant des cre\u0301dits […]<\/p>\n","protected":false},"author":1,"featured_media":5571,"comment_status":"open","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","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-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"jetpack_post_was_ever_published":false},"startup_category":[],"class_list":["post-5565","startup","type-startup","status-publish","has-post-thumbnail","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5565","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup"}],"about":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/types\/startup"}],"author":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/comments?post=5565"}],"version-history":[{"count":0,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5565\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media\/5571"}],"wp:attachment":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media?parent=5565"}],"wp:term":[{"taxonomy":"startup_category","embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup_category?post=5565"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}