{"id":406,"date":"2026-02-09T08:28:18","date_gmt":"2026-02-09T07:28:18","guid":{"rendered":"https:\/\/web.umons.ac.be\/soci_e_ter\/?p=406"},"modified":"2026-02-09T08:27:32","modified_gmt":"2026-02-09T07:27:32","slug":"microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu","status":"publish","type":"post","link":"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/","title":{"rendered":"Microfinance en zone de conflit : comment la recherche \u00e9claire la r\u00e9silience \u00e9conomique au Kivu"},"content":{"rendered":"<p style=\"font-weight: 400;\">La microfinance repose sur des services financiers simples (microcr\u00e9dits, \u00e9pargne, parfois assurance) destin\u00e9s \u00e0 des populations exclues du syst\u00e8me bancaire classique. Dans des contextes stables, ces outils contribuent \u00e0 s\u00e9curiser les revenus et \u00e0 faire face aux impr\u00e9vus. Mais en zone de conflit arm\u00e9, leur fonctionnement est profond\u00e9ment fragilis\u00e9. Retraits massifs de l\u2019\u00e9pargne, difficult\u00e9s de remboursement, perte de contact avec les clients d\u00e9plac\u00e9s : les institutions de microfinance (IMF) sont confront\u00e9es \u00e0 des tensions extr\u00eames.<\/p>\n<p style=\"font-weight: 400;\">La r\u00e9gion du Kivu, en R\u00e9publique d\u00e9mocratique du Congo, illustre ces d\u00e9fis \u00e0 grande \u00e9chelle. Marqu\u00e9e par une instabilit\u00e9 persistante et des millions de personnes d\u00e9plac\u00e9es, elle concentre \u00e0 la fois des besoins humanitaires majeurs et une activit\u00e9 de microfinance toujours bien pr\u00e9sente. C\u2019est ce paradoxe, fragilit\u00e9 du contexte et persistance des institutions, qui est au c\u0153ur d\u2019un projet de recherche conjoint men\u00e9 par l\u2019UMONS et l\u2019Universit\u00e9 Catholique de Bukavu.<\/p>\n<h5 style=\"font-weight: 400;\"><strong>Un projet de recherche ancr\u00e9 dans le terrain<\/strong><\/h5>\n<p style=\"font-weight: 400;\">L\u2019objectif du projet\u00a0? \u00c9valuer le r\u00f4le de la microfinance dans les zones de conflit arm\u00e9 et analyser la mani\u00e8re dont les IMF peuvent anticiper et g\u00e9rer les effets de la guerre. Trois axes structurent la recherche : l\u2019adaptation des pratiques des employ\u00e9s d\u2019IMF en contexte d\u2019ins\u00e9curit\u00e9, l\u2019identification des services financiers les plus pertinents pour les populations en crise et le r\u00f4le des organisations humanitaires dans le soutien aux IMF.<\/p>\n<p style=\"font-weight: 400;\">Pour y r\u00e9pondre, l\u2019\u00e9quipe s\u2019appuie sur des enqu\u00eates qualitatives et quantitatives, des entretiens et des <em>focus groups <\/em>men\u00e9s au Nord et au Sud-Kivu par les chercheurs de l\u2019Universit\u00e9 Catholique de Bukavu, en \u00e9troite collaboration avec l\u2019UMONS.<\/p>\n<blockquote>\n<p style=\"font-weight: 400;\">\u00ab <em>Notre projet doit permettre de proposer des recommandations aux institutions de microfinance en termes de strat\u00e9gies de gestion des crises et d\u2019adaptation des produits financiers aux besoins des clients en p\u00e9riode de conflits<\/em> \u00bb, explique\u00a0C\u00e9cile Godfroid, chercheuse \u00e0 l\u2019UMONS et coordinatrice du projet.<\/p>\n<\/blockquote>\n<h5 style=\"font-weight: 400;\"><strong>L\u2019expertise de l\u2019UMONS au service de l\u2019utilit\u00e9 soci\u00e9tale<\/strong><\/h5>\n<p style=\"font-weight: 400;\">Cette recherche s\u2019appuie sur une expertise reconnue en microfinance d\u00e9velopp\u00e9e \u00e0 l\u2019UMONS, notamment au sein du service\u00a0Management et \u00e9tude des organisations\u00a0et du Centre de Recherche en Microfinance (CERMi). Les travaux ant\u00e9rieurs men\u00e9s dans ce cadre, dont des recherches sur les crises en microfinance, constituent un socle scientifique solide pour analyser les effets sp\u00e9cifiques des conflits arm\u00e9s sur les institutions financi\u00e8res de proximit\u00e9.<\/p>\n<blockquote>\n<p style=\"font-weight: 400;\">\u00ab <em>Les contextes de conflits arm\u00e9s mettent \u00e0 l\u2019\u00e9preuve les fondements m\u00eames de la microfinance. Les analyser du point de vue des institutions, et pas uniquement des b\u00e9n\u00e9ficiaires, est essentiel pour comprendre comment renforcer durablement leur r\u00e9silience et celle des populations qu\u2019elles soutiennent<\/em> \u00bb, souligne Marc Labie, chef du service Management et \u00e9tude des organisations \u00e0 l\u2019UMONS.<\/p>\n<\/blockquote>\n<p style=\"font-weight: 400;\">Au-del\u00e0 de la production acad\u00e9mique, le projet vise des retomb\u00e9es concr\u00e8tes pour les acteurs de terrain : IMF, organisations humanitaires et partenaires locaux. En combinant analyse scientifique et r\u00e9alit\u00e9s op\u00e9rationnelles, il entend \u00e9clairer les d\u00e9cisions futures et contribuer \u00e0 renforcer la r\u00e9silience \u00e9conomique des populations touch\u00e9es par la guerre.<\/p>\n<p style=\"font-weight: 400;\"><span style=\"color: #004c93;\"><em>Ce projet s\u2019inscrit dans le cadre d\u2019un projet d\u2019amorce et de valorisation soutenu par l\u2019ARES, en lien avec les programmes MOOVE et HES4SD, et men\u00e9 en coordination avec l\u2019Universit\u00e9 Catholique de Bukavu (R\u00e9publique d\u00e9mocratique du Congo).<\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans l\u2019est de la R\u00e9publique d\u00e9mocratique du Congo, les conflits arm\u00e9s bouleversent durablement les \u00e9conomies locales. Pourtant, certaines institutions de microfinance continuent d\u2019op\u00e9rer, malgr\u00e9 l\u2019ins\u00e9curit\u00e9 et les d\u00e9placements massifs de populations. Un projet de recherche port\u00e9 par l\u2019UMONS et l\u2019Universit\u00e9 Catholique de Bukavu s\u2019int\u00e9resse \u00e0 ces dynamiques encore peu \u00e9tudi\u00e9es. Son ambition : comprendre comment la microfinance peut s\u2019adapter \u00e0 la guerre et renforcer la r\u00e9silience \u00e9conomique des populations les plus vuln\u00e9rables.<\/p>\n","protected":false},"author":209,"featured_media":407,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[62,64,70],"tags":[],"class_list":["post-406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-institution","category-international","category-recherche"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Microfinance en zone de conflit : comment la recherche \u00e9claire la r\u00e9silience \u00e9conomique au Kivu - Institut \/ Soci&amp;ter<\/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:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Microfinance en zone de conflit : comment la recherche \u00e9claire la r\u00e9silience \u00e9conomique au Kivu - Institut \/ Soci&amp;ter\" \/>\n<meta property=\"og:description\" content=\"Dans l\u2019est de la R\u00e9publique d\u00e9mocratique du Congo, les conflits arm\u00e9s bouleversent durablement les \u00e9conomies locales. Pourtant, certaines institutions de microfinance continuent d\u2019op\u00e9rer, malgr\u00e9 l\u2019ins\u00e9curit\u00e9 et les d\u00e9placements massifs de populations. Un projet de recherche port\u00e9 par l\u2019UMONS et l\u2019Universit\u00e9 Catholique de Bukavu s\u2019int\u00e9resse \u00e0 ces dynamiques encore peu \u00e9tudi\u00e9es. Son ambition : comprendre comment la microfinance peut s\u2019adapter \u00e0 la guerre et renforcer la r\u00e9silience \u00e9conomique des populations les plus vuln\u00e9rables.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/\" \/>\n<meta property=\"og:site_name\" content=\"Institut \/ Soci&amp;ter\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-09T07:28:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/web.umons.ac.be\/app\/uploads\/sites\/33\/2026\/02\/Illu_actu_AmorceARES-1024x724.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"724\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Damiano Di Stazio\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Damiano Di Stazio\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/\"},\"author\":{\"name\":\"Damiano Di Stazio\",\"@id\":\"https:\/\/web.umons.ac.be\/soci_e_ter\/#\/schema\/person\/9ebd47776577983ce0c6fd57d432ed15\"},\"headline\":\"Microfinance en zone de conflit : comment la recherche \u00e9claire la r\u00e9silience \u00e9conomique au Kivu\",\"datePublished\":\"2026-02-09T07:28:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/\"},\"wordCount\":600,\"image\":{\"@id\":\"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/web.umons.ac.be\/app\/uploads\/sites\/33\/2026\/02\/Illu_actu_AmorceARES.png\",\"articleSection\":[\"Institution\",\"International\",\"Recherche\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/\",\"url\":\"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/\",\"name\":\"Microfinance en zone de conflit : comment la recherche \u00e9claire la r\u00e9silience \u00e9conomique au Kivu - 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Pourtant, certaines institutions de microfinance continuent d\u2019op\u00e9rer, malgr\u00e9 l\u2019ins\u00e9curit\u00e9 et les d\u00e9placements massifs de populations. Un projet de recherche port\u00e9 par l\u2019UMONS et l\u2019Universit\u00e9 Catholique de Bukavu s\u2019int\u00e9resse \u00e0 ces dynamiques encore peu \u00e9tudi\u00e9es. Son ambition : comprendre comment la microfinance peut s\u2019adapter \u00e0 la guerre et renforcer la r\u00e9silience \u00e9conomique des populations les plus vuln\u00e9rables.","og_url":"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/","og_site_name":"Institut \/ Soci&amp;ter","article_published_time":"2026-02-09T07:28:18+00:00","og_image":[{"width":1024,"height":724,"url":"https:\/\/web.umons.ac.be\/app\/uploads\/sites\/33\/2026\/02\/Illu_actu_AmorceARES-1024x724.png","type":"image\/png"}],"author":"Damiano Di Stazio","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Damiano Di Stazio","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/#article","isPartOf":{"@id":"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/"},"author":{"name":"Damiano Di Stazio","@id":"https:\/\/web.umons.ac.be\/soci_e_ter\/#\/schema\/person\/9ebd47776577983ce0c6fd57d432ed15"},"headline":"Microfinance en zone de conflit : comment la recherche \u00e9claire la r\u00e9silience \u00e9conomique au Kivu","datePublished":"2026-02-09T07:28:18+00:00","mainEntityOfPage":{"@id":"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/"},"wordCount":600,"image":{"@id":"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/#primaryimage"},"thumbnailUrl":"https:\/\/web.umons.ac.be\/app\/uploads\/sites\/33\/2026\/02\/Illu_actu_AmorceARES.png","articleSection":["Institution","International","Recherche"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/","url":"https:\/\/web.umons.ac.be\/soci_e_ter\/fr\/2026\/02\/09\/microfinance-en-zone-de-conflit-comment-la-recherche-eclaire-la-resilience-economique-au-kivu\/","name":"Microfinance en zone de conflit : comment la recherche \u00e9claire la r\u00e9silience \u00e9conomique au Kivu - 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