‘‘ Le Financement Participatif, une alternative de financement réel ’’


Le développement d’internet a permis de faire émerger de nouvelles alternatives comme le financement participatif appelé en anglais ‘‘ Crowdfunding ’’ qui est un mode de levé de fonds réalisé auprès d’un large public de particulier pour financer un projet spécifique via une plateforme sur internet.

Fatou a une idée innovante, toutefois la banque refuse de lui accorder un prêt considérant qu’il représente un risque trop élevé, Fatou se sent désespérée à l’idée de ne pas pouvoir achever son projet qui lui
tient à coeur faute de moyens financiers suffisants.

Une solution alternative au prêt bancaire s’offre à elle ‘‘ Le Crowdfuding ’’
Au lieu de s’adresser à un intermédiaire comme les établissements de crédit pour obtenir des prêts, elle peut obtenir les fonds dont elle a besoin en s’adressant directement aux personnes qui ont de l’argent à lui fournir.

Elle décide donc de publier son projet sur une plateforme de financement participatif afin d’amasser les fonds nécessaire pour concrétiser son idée.
Plusieurs plateformes de financement participatif sont mises à la disposition de tout entrepreneur qui souhaite développer son activité, de toute personne qui souhaite mettre en place une idée de projet.

D’ailleurs ici au Mali, la plateforme The Next Economy a permis à plus de 100 de nos jeunes incubés, de lancer leurs campagnes, de faire connaitre
leurs projets , leurs entreprises, de développer leurs notoriétés et de collecter une somme allant jusqu’à 1.700,000 de Franc CFA.

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