{"id":5683,"date":"2019-08-04T17:31:55","date_gmt":"2019-08-04T17:31:55","guid":{"rendered":"https:\/\/digi-entrepreneur.com\/?post_type=startup&p=5683"},"modified":"2019-08-04T17:31:55","modified_gmt":"2019-08-04T17:31:55","slug":"matontine","status":"publish","type":"startup","link":"https:\/\/startup-agenda.com\/annuaire\/startup\/matontine\/","title":{"rendered":"MaTontine"},"content":{"rendered":"
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MaTontine<\/strong> est une entreprise de services financiers nume\u0301riques pour les cercles d\u2019e\u0301pargne et les pre\u0302ts en Afrique.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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MaTontine est une startup de services financiers nume\u0301riques qui a automatise\u0301 les cercles d\u2019e\u0301pargne traditionnels en Afrique et construit une plateforme logicielle qui lui permet d\u2019interagir avec un e\u0301ventail de partenaires pour donner acce\u0300s a\u0300 de petits pre\u0302ts et a\u0300 des services financiers connexes pour les personnes exclues financie\u0300rement.<\/p>\n<\/div>\n<\/div>\n

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

MaTontine est une plateforme de services financiers nume\u0301riques. Le concept remonte a\u0300 environ un sie\u0300cle lorsque la technique e\u0301tait utilise\u0301e partout en Afrique. Cette tradition e\u0301tait dite \u00ab tontine \u00bb, parfois appele\u0301e les cercles de sauvetage. Un groupe de 10 personnes, chacun avec son propre gestionnaire, contribue disons 10 $ par mois dans un pot et a\u0300 la fin du mois un membre du groupe recueille le pot de 100 $. Ce cycle se re\u0301pe\u0300te jusqu\u2019a\u0300 ce que tout le monde ait gagne\u0301 le pot de 100 $.<\/p>\n<\/div>\n

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PARCOURS CLIENT FONCTIONNEMENT<\/p>\n

Un groupe de, disons, 10 personnes, chacune avec son propre gestionnaire, contribue a\u0300, disons, 10 $ US chaque mois dans un pot. A\u0300 la fin du mois, un membre du groupe recueille le pot de 100 $US. Ce cycle se re\u0301pe\u0300te jusqu\u2019a\u0300 ce que tout le monde ait gagne\u0301 le pot de $100.<\/p>\n

Cette innovation consiste a\u0300 cre\u0301er une plateforme nume\u0301rique qui automatise tout ce processus et inte\u0300gre un syste\u0300me de notation du cre\u0301dit afin de faciliter les petits pre\u0302ts et d\u2019autres services financiers comme les micro-entreprises, l\u2019assurance aupre\u0300s de nos partenaires en fonction de la cote de cre\u0301dit de nos membres. Toutes les transactions financie\u0300res se font nume\u0301riquement a\u0300 l\u2019aide de te\u0301le\u0301phones mobiles et d\u2019argent mobile.<\/p>\n<\/div>\n

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

MaTontine a re\u0301cemment e\u0301te\u0301 nomme\u0301e vainqueur se\u0301ne\u0301galais de la compe\u0301tition mondiale de startups Seedstars World. Elle s\u2019attache a\u0300 re\u0301soudre le proble\u0300me suivant : comment ouvrir l\u2019acce\u0300s aux services financiers comme les petits pre\u0302ts aux personnes de\u0301munies ? Les banques et les institutions de microfinance ne peuvent pas le faire de manie\u0300re rentable avec leurs infrastructures actuelles. L\u2019innovation de MaTontine re\u0301sout ce proble\u0300me en utilisant les te\u0301le\u0301phones mobiles et sa plateforme pour nume\u0301riser les be\u0301ne\u0301fices des groupes d\u2019e\u0301pargne traditionnels, re\u0301duisant le cou\u0302t d\u2019emprunt de 75% ou plus.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

MaTontine est une entreprise de services financiers nume\u0301riques pour les cercles d\u2019e\u0301pargne et les pre\u0302ts en Afrique. MaTontine est une startup de services financiers nume\u0301riques qui a automatise\u0301 les cercles […]<\/p>\n","protected":false},"author":1,"featured_media":5684,"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-5683","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\/5683","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=5683"}],"version-history":[{"count":0,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5683\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media\/5684"}],"wp:attachment":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media?parent=5683"}],"wp:term":[{"taxonomy":"startup_category","embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup_category?post=5683"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}