{"id":5634,"date":"2019-08-04T06:32:57","date_gmt":"2019-08-04T06:32:57","guid":{"rendered":"https:\/\/digi-entrepreneur.com\/?post_type=startup&p=5634"},"modified":"2019-08-04T06:32:57","modified_gmt":"2019-08-04T06:32:57","slug":"lidya","status":"publish","type":"startup","link":"https:\/\/startup-agenda.com\/annuaire\/startup\/lidya\/","title":{"rendered":"Lidya"},"content":{"rendered":"
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Lidya<\/strong> est une plateforme en ligne qui accorde des pre\u0302ts de 150 a\u0300 150 000 USD a\u0300 des TPE et PME ope\u0301rant dans divers secteurs : ho\u0302tellerie, agriculture, commerce…<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Cette entreprise vient en aide aux jeunes entrepreneurs nige\u0301rians qui cre\u0301ent des TPE ou des PME mais ne parviennent pas a\u0300 avoir acce\u0300s a\u0300 un cre\u0301dit pour faire grandir et ame\u0301liorer leur entreprise. Ce marche\u0301 pre\u0301sente un fort potentiel : rien qu\u2019au Nigeria, il est estime\u0301 a\u0300 25 milliards USD selon l\u2019International Finance Corporation (IFC).<\/p>\n<\/div>\n<\/div>\n

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

Tunde Kehinde et Ercin Eksin ont tous deux e\u0301tudie\u0301 aux Etats-Unis. Ils se sont rencontre\u0301s en 2012, lorsqu\u2019ils travaillaient chez Jumia au Nigeria.<\/p>\n

Voyant que les marchands ont du mal a\u0300 emprunter me\u0302me 1000 USD, ils de\u0301cident de fonder fin 2016 Lidya, qui re\u0301pond aux besoins de nombreux entrepreneurs nige\u0301rians en leur accordant des cre\u0301dits de 150 a\u0300 150 000 USD. Depuis sa cre\u0301ation, 120 000 entrepreneurs nige\u0301rians ont de\u0301ja\u0300 ouvert un compte sur la plateforme et deux leve\u0301es de fonds de plusieurs millions ont e\u0301te\u0301 re\u0301alise\u0301es. De plus, 70 banques et institutions financie\u0300res sont de\u0301ja\u0300 partenaires, dont Mastercard et Expedia.<\/p>\n

Lidya compte aujourd\u2019hui une vingtaine d\u2019employe\u0301s a\u0300 Lagos et New York. Gra\u0302ce a\u0300 sa nouvelle leve\u0301e de fonds, les cofondateurs pre\u0301voient de de\u0301velopper cette startup dans une dizaine d\u2019autres pays e\u0301mergents dans les trois anne\u0301es a\u0300 venir.<\/p>\n<\/div>\n

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PARCOURS CLIENT FONCTIONNEMENT<\/p>\n

Pour demander un cre\u0301dit, il suffit d\u2019ouvrir un compte sur la plateforme ou via l\u2019application, gratuitement, et d\u2019y renseigner ses coordonne\u0301es bancaires et ses extraits de compte. Lidya s\u2019engage a\u0300 donner une re\u0301ponse au bout de 48 heures maximum. Si le cre\u0301dit est accorde\u0301, les fonds sont imme\u0301diatement de\u0301bloque\u0301s. Un algorithme permet de connai\u0302tre la capacite\u0301 de remboursement d\u2019un client, et effectivement, le taux de de\u0301faut est bas : 0,9%. Les offres de cre\u0301dit sont adapte\u0301es au profil des clients et les taux d\u2019inte\u0301re\u0302ts sont relativement bas, de 2,5% a\u0300 3,5%.<\/p>\n

La startup propose e\u0301galement des services de digitalisation, par exemple un terminal de paiements a\u0300 ses clients. Ainsi, les clients sont fide\u0301lise\u0301s, et une fois qu\u2019ils ont rembourse\u0301 un cre\u0301dit, ils peuvent souscrire a\u0300 d\u2019autres offres pour ame\u0301liorer leur business.<\/p>\n<\/div>\n

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

Lidya rend accessible des services financiers BtoB ne\u0301cessaires au de\u0301veloppement des entreprises, et de manie\u0300re plus ge\u0301ne\u0301rale, au tissu e\u0301conomique du pays. Effectivement, le Nigeria, et de nombreux autres pays d\u2019Afrique, ont un taux de cho\u0302mage tre\u0300s e\u0301leve\u0301 car les entreprises ont du mal a\u0300 se de\u0301velopper a\u0300 cause d\u2019un manque de fonds. Lidya propose donc des cre\u0301dits adapte\u0301s au de\u0301veloppement des TPE et PME.<\/p>\n

Ce service est e\u0301galement tre\u0300s accessible, car l\u2019inscription se fait de plus via le site web ou via l\u2019application.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Lidya est une plateforme en ligne qui accorde des pre\u0302ts de 150 a\u0300 150 000 USD a\u0300 des TPE et PME ope\u0301rant dans divers secteurs : ho\u0302tellerie, agriculture, commerce… Cette […]<\/p>\n","protected":false},"author":1,"featured_media":5635,"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-5634","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\/5634","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=5634"}],"version-history":[{"count":0,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5634\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media\/5635"}],"wp:attachment":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media?parent=5634"}],"wp:term":[{"taxonomy":"startup_category","embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup_category?post=5634"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}