La dommageable confusion entre Inclusion financière et Inclusion sociale dans les programmes d'aide au Développement: En question, l'exemple du Mali
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Alix LANDAIS La dommageable confusion entre inclusion financière et inclusion sociale dans les programmes d'aide au développement... Tournant le dos aux dimensions humaines et sociales du Développement inscrites depuis une décennie au rang des premières priorités de la communauté internationale, nombre de gouvernements et d'agences de financement tendent aujourd'hui à recentrer leur aide sur les infrastructures économiques et financières, au motif que d'une meilleure inclusion financière découlerait mécaniquement une meilleure inclusion sociale. Contrairement à ce qui est ainsi prétendu, les résultats de notre étude sur le Mali confirment que les programmes d'inclusion financière sont loin d'avoir les mêmes retombées sociales et humaines que les programmes de protection sociale. Si les projets mis en place pour promouvoir la croissance économique des pays en développement peuvent, sous certaines conditions, exercer indirectement et à long terme un effet positif sur la réduction des inégalités, ils ne sauraient pour autant se substituer aux programmes d'inclusion sociale, qui visent directement à faciliter l'accès des populations les plus vulnérables aux services de première nécessité, à leur offrir de meilleures conditions de vie et à leur permettre de jouer un rôle croissant dans le débat citoyen. En réalité, ceux qui pratiquent cette confusion entre inclusion financière et inclusion sociale visent à favoriser, au détriment des budgets alloués aux programmes d'inclusion sociale, des investissements plus profitables pour eux-mêmes dans les infrastructures économiques et financières. Cet ouvrage entend dénoncer cette tentation et plaider pour un plus juste équilibre entre les objectifs de l'aide au développement, en faveur des plus déshérités.
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