{"id":48434,"date":"2025-12-15T15:24:05","date_gmt":"2025-12-15T15:24:05","guid":{"rendered":"https:\/\/journalintegration.com\/?p=48434"},"modified":"2025-12-15T15:24:07","modified_gmt":"2025-12-15T15:24:07","slug":"credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation","status":"publish","type":"post","link":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/","title":{"rendered":"Cr\u00e9dit bancaire en Afrique centrale : la CEMAC sous la coupole de la d\u00e9gradation"},"content":{"rendered":"\n<p><em>Au 31 d\u00e9cembre 2025, le total-bilan agr\u00e9g\u00e9 des 56 banques de la Communaut\u00e9 \u00e9conomique et mon\u00e9taire de l\u2019Afrique centrale (Cemac) ne repr\u00e9sente que 25 000 milliards de FCFA (44 milliards USD).<\/em><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"317\" height=\"446\" src=\"https:\/\/journalintegration.com\/wp-content\/uploads\/2025\/12\/Capture-decran-2025-12-07-215955.jpg\" alt=\"\" class=\"wp-image-48435\" srcset=\"https:\/\/journalintegration.com\/wp-content\/uploads\/2025\/12\/Capture-decran-2025-12-07-215955.jpg 317w, https:\/\/journalintegration.com\/wp-content\/uploads\/2025\/12\/Capture-decran-2025-12-07-215955-213x300.jpg 213w, https:\/\/journalintegration.com\/wp-content\/uploads\/2025\/12\/Capture-decran-2025-12-07-215955-299x420.jpg 299w\" sizes=\"(max-width: 317px) 100vw, 317px\" \/><\/figure>\n<\/div>\n\n\n<p>L\u2019on ainsi loin de la performance enregistr\u00e9e au sein de l\u2019Union \u00e9conomique et mon\u00e9taire Ouest-africaine (UEMOA) tout au long de l\u2019exercice en cours. Soit 72 068,3 milliards (127 milliards USD) ; Le dynamisme du secteur de la microfinance dans l\u2019espace Cemac (2 061 milliards de FCFA) est lui aussi en retrait par rapport \u00e0 l\u2019effervescence dans la zone UEMOA (4 021,3 milliards).<\/p>\n\n\n\n<p>Au sein de l\u2019Afrique centrale cependant, l\u2019on est sur une pente ascendante avec une croissance des actifs de 11%; principalement port\u00e9e par le Cameroun (+10,8%), Centrafrique (+4,4%), Congo (+10,4%), Gabon (+4,2%), Guin\u00e9e Equatoriale (+11,2%) et Tchad (+34%), selon le dernier rapport de la Commission bancaire de l\u2019Afrique centrale (Cobac).<\/p>\n\n\n\n<p><strong>Cr\u00e9ances en souffrance<br><\/strong>Les actifs ainsi mentionn\u00e9s sont constitu\u00e9s de 17 995 milliards de FCFAn repr\u00e9sentant 72,1 % du total de bilan, et d\u2019un portefeuille de cr\u00e9dit \u00e9tabli \u00e0 12 501 milliards de FCFA. Selon la Cobac cependant les cr\u00e9dits non rembours\u00e9s \u00e0 \u00e9ch\u00e9ance ont repr\u00e9sent\u00e9 16,2% de ce portefeuille. Soit un montant de 2024 milliards de FCFA en hausse de 144 milliards de FCFA (+7,7 %) comparativement au niveau atteint un an auparavant. Les cr\u00e9ances douteuses repr\u00e9sentent la part la plus importante de cet agr\u00e9gat, avec une valeur de 1536 milliards de FCFA. Le Gabon est tributaire de 31,4% de ces cr\u00e9ances douteuse, suivi du Cameroun (14,5%) et du Congo (5,6%).<\/p>\n\n\n\n<p>Les cr\u00e9ances en souffrance connaissent un pic dans la zone Cemac depuis la chute des mati\u00e8res premi\u00e8re de 2014, avec des variations au courant de certains exercices. Partant de 5% de l\u2019enveloppe de cr\u00e9dits en 2012, elles ont atteint un plafond de 20% en 2018 avant de pencher progressiement la balance sans pour autant atteindre les niveaux d\u2019avant la crise. \u00ab Ces cr\u00e9ances en souffrance sont pour partie la cons\u00e9quence directe des retards de paiement des \u00c9tats envers les banques mais aussi envers les entreprises priv\u00e9es qui peinent en cons\u00e9quence \u00e0 assumer leurs propres \u00e9ch\u00e9ances de recouvrement aupr\u00e8s des banques\u201d, explique le service \u00e9conomique r\u00e9gional de l\u2019ambassade de France au Cameroun sur la question. Face \u00e0 cette situation, les banques ont proc\u00e9d\u00e9 au renforcement de leurs provisions pour d\u00e9pr\u00e9ciation. Ces derni\u00e8res atteignent 1464 milliards de FCFA en 2024 contre 1398 milliards un an plus t\u00f4t, mais restent mod\u00e9r\u00e9es face \u00e0 l\u2019ampleur des cr\u00e9dits non rembours\u00e9s.<\/p>\n\n\n\n<p><strong>Plus de cr\u00e9dits vers le priv\u00e9<br><\/strong>Malgr\u00e9 cette situation, les banques se sont montr\u00e9es plus enclines \u00e0 accorder des credits aux priv\u00e9s. Ces derni\u00e8res ann\u00e9es, les crises enregistr\u00e9es successivement \u00e0 l\u2019\u00e9chelle mondiale (Crise du Covid-19, conflit russo-ukrainien, guerre commerciale Etats-Unis- Chine, etc) avait conduit les banques \u00e0 adopter une posture prudente quant \u00e0 l\u2019octroi des cr\u00e9dits aux priv\u00e9s. La donne change en 2024. Sans doute impuls\u00e9e par les constantes injections de liquidit\u00e9 op\u00e9r\u00e9es par la Banque des Etats de l\u2019Afrique centrale (Beac). Sur les 12 501 milliards de FCFA d\u00e9bours\u00e9s durant l\u2019ann\u00e9e \u00e9coul\u00e9e, les pr\u00eats au secteur priv\u00e9 s\u2019\u00e9l\u00e8vent \u00e0 9 710 milliards de FCFA, apr\u00e8s des niveaux \u00e9tablis 6 782 milliard en 2020.<\/p>\n\n\n\n<p class=\"has-text-align-right\"><em>Louise Nsana<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Au 31 d\u00e9cembre 2025, le total-bilan agr\u00e9g\u00e9 des 56 banques de la Communaut\u00e9 \u00e9conomique et mon\u00e9taire de l\u2019Afrique centrale (Cemac) ne repr\u00e9sente que 25 000 milliards de FCFA (44 milliards USD). L\u2019on ainsi loin de la performance enregistr\u00e9e au sein de l\u2019Union \u00e9conomique et mon\u00e9taire Ouest-africaine (UEMOA) tout au long de l\u2019exercice en cours. Soit [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":48435,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[58,35],"tags":[],"class_list":["post-48434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-entreprise","category-panorama"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dit bancaire en Afrique centrale : la CEMAC sous la coupole de la d\u00e9gradation - Int\u00e9gration<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit bancaire en Afrique centrale : la CEMAC sous la coupole de la d\u00e9gradation - Int\u00e9gration\" \/>\n<meta property=\"og:description\" content=\"Au 31 d\u00e9cembre 2025, le total-bilan agr\u00e9g\u00e9 des 56 banques de la Communaut\u00e9 \u00e9conomique et mon\u00e9taire de l\u2019Afrique centrale (Cemac) ne repr\u00e9sente que 25 000 milliards de FCFA (44 milliards USD). L\u2019on ainsi loin de la performance enregistr\u00e9e au sein de l\u2019Union \u00e9conomique et mon\u00e9taire Ouest-africaine (UEMOA) tout au long de l\u2019exercice en cours. Soit [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/\" \/>\n<meta property=\"og:site_name\" content=\"Int\u00e9gration\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-15T15:24:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-15T15:24:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/journalintegration.com\/wp-content\/uploads\/2025\/12\/Capture-decran-2025-12-07-215955.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"317\" \/>\n\t<meta property=\"og:image:height\" content=\"446\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Journal int\u00e9gration\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Journal int\u00e9gration\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/2025\\\/12\\\/15\\\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/2025\\\/12\\\/15\\\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\\\/\"},\"author\":{\"name\":\"Journal int\u00e9gration\",\"@id\":\"https:\\\/\\\/journalintegration.com\\\/#\\\/schema\\\/person\\\/187ee348e7cf1d03087cdcb1aba201cc\"},\"headline\":\"Cr\u00e9dit bancaire en Afrique centrale : la CEMAC sous la coupole de la d\u00e9gradation\",\"datePublished\":\"2025-12-15T15:24:05+00:00\",\"dateModified\":\"2025-12-15T15:24:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/2025\\\/12\\\/15\\\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\\\/\"},\"wordCount\":554,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/journalintegration.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/2025\\\/12\\\/15\\\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/journalintegration.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/Capture-decran-2025-12-07-215955.jpg\",\"articleSection\":[\"ENTREPRISE\",\"PANORAMA\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/2025\\\/12\\\/15\\\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/2025\\\/12\\\/15\\\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\\\/\",\"url\":\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/2025\\\/12\\\/15\\\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\\\/\",\"name\":\"Cr\u00e9dit bancaire en Afrique centrale : la CEMAC sous la coupole de la d\u00e9gradation - Int\u00e9gration\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/journalintegration.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/2025\\\/12\\\/15\\\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/2025\\\/12\\\/15\\\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/journalintegration.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/Capture-decran-2025-12-07-215955.jpg\",\"datePublished\":\"2025-12-15T15:24:05+00:00\",\"dateModified\":\"2025-12-15T15:24:07+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/2025\\\/12\\\/15\\\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/2025\\\/12\\\/15\\\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/2025\\\/12\\\/15\\\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\\\/#primaryimage\",\"url\":\"https:\\\/\\\/journalintegration.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/Capture-decran-2025-12-07-215955.jpg\",\"contentUrl\":\"https:\\\/\\\/journalintegration.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/Capture-decran-2025-12-07-215955.jpg\",\"width\":317,\"height\":446},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/2025\\\/12\\\/15\\\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/journalintegration.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cr\u00e9dit bancaire en Afrique centrale : la CEMAC sous la coupole de la d\u00e9gradation\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/journalintegration.com\\\/#website\",\"url\":\"https:\\\/\\\/journalintegration.com\\\/\",\"name\":\"Int\u00e9gration\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/journalintegration.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/journalintegration.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/journalintegration.com\\\/#organization\",\"name\":\"Int\u00e9gration\",\"url\":\"https:\\\/\\\/journalintegration.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/journalintegration.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/journalintegration.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/cropped-logo-journal-integration-1-1.jpg\",\"contentUrl\":\"https:\\\/\\\/journalintegration.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/cropped-logo-journal-integration-1-1.jpg\",\"width\":500,\"height\":109,\"caption\":\"Int\u00e9gration\"},\"image\":{\"@id\":\"https:\\\/\\\/journalintegration.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/journalintegration.com\\\/#\\\/schema\\\/person\\\/187ee348e7cf1d03087cdcb1aba201cc\",\"name\":\"Journal int\u00e9gration\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/65eee98e053c7dcc2b0133b7f3d27f3ec4e74a34bdf1a1c3a304105d8035ddb4?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/65eee98e053c7dcc2b0133b7f3d27f3ec4e74a34bdf1a1c3a304105d8035ddb4?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/65eee98e053c7dcc2b0133b7f3d27f3ec4e74a34bdf1a1c3a304105d8035ddb4?s=96&d=mm&r=g\",\"caption\":\"Journal int\u00e9gration\"},\"sameAs\":[\"https:\\\/\\\/journalintegration.com\"],\"url\":\"https:\\\/\\\/journalintegration.com\\\/index.php\\\/author\\\/admin_zr835mq9\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cr\u00e9dit bancaire en Afrique centrale : la CEMAC sous la coupole de la d\u00e9gradation - Int\u00e9gration","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/","og_locale":"fr_FR","og_type":"article","og_title":"Cr\u00e9dit bancaire en Afrique centrale : la CEMAC sous la coupole de la d\u00e9gradation - Int\u00e9gration","og_description":"Au 31 d\u00e9cembre 2025, le total-bilan agr\u00e9g\u00e9 des 56 banques de la Communaut\u00e9 \u00e9conomique et mon\u00e9taire de l\u2019Afrique centrale (Cemac) ne repr\u00e9sente que 25 000 milliards de FCFA (44 milliards USD). L\u2019on ainsi loin de la performance enregistr\u00e9e au sein de l\u2019Union \u00e9conomique et mon\u00e9taire Ouest-africaine (UEMOA) tout au long de l\u2019exercice en cours. Soit [&hellip;]","og_url":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/","og_site_name":"Int\u00e9gration","article_published_time":"2025-12-15T15:24:05+00:00","article_modified_time":"2025-12-15T15:24:07+00:00","og_image":[{"width":317,"height":446,"url":"https:\/\/journalintegration.com\/wp-content\/uploads\/2025\/12\/Capture-decran-2025-12-07-215955.jpg","type":"image\/jpeg"}],"author":"Journal int\u00e9gration","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Journal int\u00e9gration","Dur\u00e9e de lecture estim\u00e9e":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/#article","isPartOf":{"@id":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/"},"author":{"name":"Journal int\u00e9gration","@id":"https:\/\/journalintegration.com\/#\/schema\/person\/187ee348e7cf1d03087cdcb1aba201cc"},"headline":"Cr\u00e9dit bancaire en Afrique centrale : la CEMAC sous la coupole de la d\u00e9gradation","datePublished":"2025-12-15T15:24:05+00:00","dateModified":"2025-12-15T15:24:07+00:00","mainEntityOfPage":{"@id":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/"},"wordCount":554,"commentCount":0,"publisher":{"@id":"https:\/\/journalintegration.com\/#organization"},"image":{"@id":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/#primaryimage"},"thumbnailUrl":"https:\/\/journalintegration.com\/wp-content\/uploads\/2025\/12\/Capture-decran-2025-12-07-215955.jpg","articleSection":["ENTREPRISE","PANORAMA"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/","url":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/","name":"Cr\u00e9dit bancaire en Afrique centrale : la CEMAC sous la coupole de la d\u00e9gradation - Int\u00e9gration","isPartOf":{"@id":"https:\/\/journalintegration.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/#primaryimage"},"image":{"@id":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/#primaryimage"},"thumbnailUrl":"https:\/\/journalintegration.com\/wp-content\/uploads\/2025\/12\/Capture-decran-2025-12-07-215955.jpg","datePublished":"2025-12-15T15:24:05+00:00","dateModified":"2025-12-15T15:24:07+00:00","breadcrumb":{"@id":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/#primaryimage","url":"https:\/\/journalintegration.com\/wp-content\/uploads\/2025\/12\/Capture-decran-2025-12-07-215955.jpg","contentUrl":"https:\/\/journalintegration.com\/wp-content\/uploads\/2025\/12\/Capture-decran-2025-12-07-215955.jpg","width":317,"height":446},{"@type":"BreadcrumbList","@id":"https:\/\/journalintegration.com\/index.php\/2025\/12\/15\/credit-bancaire-en-afrique-centrale-la-cemac-sous-la-coupole-de-la-degradation\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/journalintegration.com\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9dit bancaire en Afrique centrale : la CEMAC sous la coupole de la d\u00e9gradation"}]},{"@type":"WebSite","@id":"https:\/\/journalintegration.com\/#website","url":"https:\/\/journalintegration.com\/","name":"Int\u00e9gration","description":"","publisher":{"@id":"https:\/\/journalintegration.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/journalintegration.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/journalintegration.com\/#organization","name":"Int\u00e9gration","url":"https:\/\/journalintegration.com\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/journalintegration.com\/#\/schema\/logo\/image\/","url":"https:\/\/journalintegration.com\/wp-content\/uploads\/2025\/03\/cropped-logo-journal-integration-1-1.jpg","contentUrl":"https:\/\/journalintegration.com\/wp-content\/uploads\/2025\/03\/cropped-logo-journal-integration-1-1.jpg","width":500,"height":109,"caption":"Int\u00e9gration"},"image":{"@id":"https:\/\/journalintegration.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/journalintegration.com\/#\/schema\/person\/187ee348e7cf1d03087cdcb1aba201cc","name":"Journal int\u00e9gration","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/65eee98e053c7dcc2b0133b7f3d27f3ec4e74a34bdf1a1c3a304105d8035ddb4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/65eee98e053c7dcc2b0133b7f3d27f3ec4e74a34bdf1a1c3a304105d8035ddb4?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/65eee98e053c7dcc2b0133b7f3d27f3ec4e74a34bdf1a1c3a304105d8035ddb4?s=96&d=mm&r=g","caption":"Journal int\u00e9gration"},"sameAs":["https:\/\/journalintegration.com"],"url":"https:\/\/journalintegration.com\/index.php\/author\/admin_zr835mq9\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/journalintegration.com\/index.php\/wp-json\/wp\/v2\/posts\/48434","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/journalintegration.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/journalintegration.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/journalintegration.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/journalintegration.com\/index.php\/wp-json\/wp\/v2\/comments?post=48434"}],"version-history":[{"count":1,"href":"https:\/\/journalintegration.com\/index.php\/wp-json\/wp\/v2\/posts\/48434\/revisions"}],"predecessor-version":[{"id":48436,"href":"https:\/\/journalintegration.com\/index.php\/wp-json\/wp\/v2\/posts\/48434\/revisions\/48436"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/journalintegration.com\/index.php\/wp-json\/wp\/v2\/media\/48435"}],"wp:attachment":[{"href":"https:\/\/journalintegration.com\/index.php\/wp-json\/wp\/v2\/media?parent=48434"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/journalintegration.com\/index.php\/wp-json\/wp\/v2\/categories?post=48434"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/journalintegration.com\/index.php\/wp-json\/wp\/v2\/tags?post=48434"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}