{"id":34419,"date":"2025-02-03T08:07:27","date_gmt":"2025-02-03T08:07:27","guid":{"rendered":"https:\/\/edify.org\/le-marche-de-niche-de-edify\/"},"modified":"2025-10-28T16:03:21","modified_gmt":"2025-10-28T16:03:21","slug":"le-marche-de-niche-de-edify","status":"publish","type":"post","link":"https:\/\/edify.org\/fr\/le-marche-de-niche-de-edify\/","title":{"rendered":"Le march\u00e9 de niche d&#8217;Edify"},"content":{"rendered":"<p><a href=\"https:\/\/www.edify.org\/wp-content\/uploads\/2012\/03\/Edify-Mkt-for-Blog.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-26588 alignleft\" src=\"https:\/\/edify.org\/wp-content\/uploads\/2025\/02\/Edify-Niche-Market-216x300.png\" alt=\"\" width=\"216\" height=\"300\" srcset=\"https:\/\/edify.org\/wp-content\/uploads\/2025\/02\/Edify-Niche-Market-216x300.png 216w, https:\/\/edify.org\/wp-content\/uploads\/2025\/02\/Edify-Niche-Market-738x1024.png 738w, https:\/\/edify.org\/wp-content\/uploads\/2025\/02\/Edify-Niche-Market.png 750w\" sizes=\"auto, (max-width: 216px) 100vw, 216px\" \/><\/a><span style=\"font-weight: 400\">Edify op\u00e8re dans un cr\u00e9neau sp\u00e9cifique, <a href=\"https:\/\/edify.org\/school-loans\/\">comblant l&#8217;\u00e9cart financier entre les institutions de microfinance et les banques commerciales pour soutenir les \u00e9coles ind\u00e9pendantes \u00e0 frais r\u00e9duits.<\/a> Ce march\u00e9 est souvent mal desservi, car les besoins financiers de ces \u00e9coles se situent en dehors des gammes de pr\u00eats des fournisseurs de microfinance et des banques traditionnelles.<\/span><\/p>\n<h2><strong>Tout sur la microfinance<\/strong><\/h2>\n<p><b>Les institutions de microfinance<\/b><span style=\"font-weight: 400\"> offrent g\u00e9n\u00e9ralement de petits pr\u00eats allant de <\/span><b>50 $ \u00e0 1 200 $ USD<\/b><span style=\"font-weight: 400\">, qui conviennent bien aux tr\u00e8s petites entreprises mais sont insuffisants pour les besoins \u00e9ducatifs plus importants. D&#8217;autre part,   <\/span><b>les banques commerciales<\/b><span style=\"font-weight: 400\"> se concentrent sur des pr\u00eats plus importants commen\u00e7ant \u00e0 <\/span><b>30 000 $ USD ou plus<\/b><span style=\"font-weight: 400\">, qui sont souvent hors de port\u00e9e des \u00e9coles ind\u00e9pendantes \u00e0 frais r\u00e9duits en raison d&#8217;exigences et de co\u00fbts \u00e9lev\u00e9s.<\/span><\/p>\n<h2>Comment les pr\u00eats font la diff\u00e9rence<\/h2>\n<p><span style=\"font-weight: 400\">C&#8217;est l\u00e0 qu&#8217;Edify intervient. Environ   <\/span><b>90 % des pr\u00eats de Edify<\/b><span style=\"font-weight: 400\"> se situent entre <\/span><b>1 200 $ et 25 000 $ USD<\/b><span style=\"font-weight: 400\">, une gamme qui r\u00e9pond parfaitement aux besoins des \u00e9coles priv\u00e9es cherchant des capitaux pour des projets tels que l&#8217;expansion de salles de classe, l&#8217;am\u00e9lioration des installations et les laboratoires informatiques. En offrant ces pr\u00eats, Edify permet aux \u00e9coles de cro\u00eetre de mani\u00e8re durable, d&#8217;am\u00e9liorer leur infrastructure, d&#8217;\u00e9quiper l&#8217;\u00e9cole avec des technologies \u00e9ducatives et de fournir une \u00e9ducation de qualit\u00e9 aux communaut\u00e9s mal desservies. <\/span><\/p>\n<p><span style=\"font-weight: 400\">Cette approche cibl\u00e9e permet \u00e0 Edify de cr\u00e9er un impact significatif, aidant \u00e0 combler l&#8217;\u00e9cart de financement pour les \u00e9coles qui s&#8217;efforcent de transformer des vies gr\u00e2ce \u00e0 l&#8217;\u00e9ducation centr\u00e9e sur le Christ.<\/span><\/p>\n<p><a href=\"https:\/\/edify.org\/school-training\/\">D\u00e9couvrez comment Edify s&#8217;associe avec des \u00e9coles centr\u00e9es sur le Christ dans le monde entier.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Edify op\u00e8re dans un cr\u00e9neau sp\u00e9cifique, comblant l&#8217;\u00e9cart financier entre les institutions de microfinance et les banques commerciales pour soutenir les \u00e9coles ind\u00e9pendantes \u00e0 frais r\u00e9duits. Ce march\u00e9 est souvent mal desservi, car les besoins financiers de ces \u00e9coles se situent en dehors des gammes de pr\u00eats des fournisseurs de microfinance et des banques traditionnelles. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":32184,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[349,316],"tags":[331,296],"hf_cat_post":[],"class_list":["post-34419","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bolivie","category-microcredits","tag-edify-fr","tag-vision-biblique-du-monde"],"acf":[],"_links":{"self":[{"href":"https:\/\/edify.org\/fr\/wp-json\/wp\/v2\/posts\/34419","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/edify.org\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/edify.org\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/edify.org\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/edify.org\/fr\/wp-json\/wp\/v2\/comments?post=34419"}],"version-history":[{"count":1,"href":"https:\/\/edify.org\/fr\/wp-json\/wp\/v2\/posts\/34419\/revisions"}],"predecessor-version":[{"id":35492,"href":"https:\/\/edify.org\/fr\/wp-json\/wp\/v2\/posts\/34419\/revisions\/35492"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/edify.org\/fr\/wp-json\/wp\/v2\/media\/32184"}],"wp:attachment":[{"href":"https:\/\/edify.org\/fr\/wp-json\/wp\/v2\/media?parent=34419"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edify.org\/fr\/wp-json\/wp\/v2\/categories?post=34419"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edify.org\/fr\/wp-json\/wp\/v2\/tags?post=34419"},{"taxonomy":"hf_cat_post","embeddable":true,"href":"https:\/\/edify.org\/fr\/wp-json\/wp\/v2\/hf_cat_post?post=34419"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}