{"id":50693,"date":"2025-05-19T12:45:20","date_gmt":"2025-05-19T16:45:20","guid":{"rendered":"https:\/\/www.wes.org\/briser-les-barrieres-faciliter-lacces-au-credit-innovant-pour-les-immigrants\/"},"modified":"2026-02-19T17:03:23","modified_gmt":"2026-02-19T22:03:23","slug":"briser-les-barrieres-faciliter-lacces-au-credit-innovant-pour-les-immigrants","status":"publish","type":"post","link":"https:\/\/www.wes.org\/fr\/resource-library\/blog\/financement-optimisant-limpact\/briser-les-barrieres-faciliter-lacces-au-credit-innovant-pour-les-immigrants\/","title":{"rendered":"Briser les barri\u00e8res : faciliter l’acc\u00e8s au cr\u00e9dit innovant pour les immigrants \u00a0"},"content":{"rendered":"\n

R\u00e9dig\u00e9 par Sifat\u00a0Yusuf, gestionnaire de programme du Fonds WES Mariam\u00a0Assefa\u00a0; Cristina\u00a0Lara-Agudelo, gestionnaire de la plateforme d\u2019investissements WES\u00a0; Subaita\u00a0Rahman, sp\u00e9cialiste des communications et des politiques publiques de WES<\/em><\/p>\n\n

\"The<\/figure>\n\n

L\u2019\u00e9quipe de New Power Labs pr\u00e9sente ses recherches \u00e0 Toronto le 5\u00a0mai\u00a02025, en compagnie de Sifat\u00a0Yusuf, gestionnaire de programme du Fonds.\u00a0<\/em><\/p>\n\n

Alors que les immigrants repr\u00e9sentent 23\u00a0%<\/strong><\/a> de la population du Canada et qu\u2019on s\u2019attend \u00e0 ce qu\u2019ils atteignent pr\u00e8s du tiers<\/strong><\/a> d\u2019ici\u00a02041, l\u2019int\u00e9gration financi\u00e8re des nouveaux arrivants reste une priorit\u00e9 nationale. L\u2019immigration est \u00e0 l\u2019origine de 75\u00a0%<\/strong><\/a> de la croissance d\u00e9mographique du Canada et contribue de mani\u00e8re significative \u00e0 son d\u00e9veloppement \u00e9conomique. Les immigrants poss\u00e8dent 32 % des entreprises<\/strong><\/a>, mais en raison de leur historique de cr\u00e9dit insuffisant, les nouveaux arrivants ont souvent de la difficult\u00e9 \u00e0 acc\u00e9der aux services financiers, ce qui affecte leur capacit\u00e9 \u00e0 obtenir des baux, des pr\u00eats hypoth\u00e9caires, des pr\u00eats \u00e9tudiants, etc. \u00a0<\/p>\n\n

L\u2019acc\u00e8s au capital, en particulier sous forme de pr\u00eats et d\u2019hypoth\u00e8ques, est essentiel \u00e0 la stabilit\u00e9 financi\u00e8re et \u00e0 l\u2019int\u00e9gration \u00e9conomique des nouveaux arrivants, mais il reste n\u00e9glig\u00e9 par les institutions financi\u00e8res et largement sous-\u00e9tudi\u00e9. Un nouveau rapport de New Power Labs<\/a><\/strong>, intitul\u00e9 \u00ab\u00a0From Barriers to Breakthroughs\u00a0: Innovation in Credit Risk Assessment for Immigrants in Canada\u00a0\u00bb, financ\u00e9 par le Fonds\u00a0WES Mariam Assefa, explore la capacit\u00e9 des nouveaux arrivants \u00e0 \u00e9tablir des historiques de cr\u00e9dit et \u00e0 acc\u00e9der \u00e0 des ressources financi\u00e8res au Canada. Les conclusions visent \u00e0 comprendre comment les institutions financi\u00e8res \u00e9valuent le risque de cr\u00e9dit des nouveaux arrivants, les obstacles syst\u00e9miques auxquels ils sont confront\u00e9s et, surtout, les moyens cr\u00e9atifs dont disposent les bailleurs de fonds, les investisseurs influents, les banques et le secteur sans but lucratif pour soutenir l’acc\u00e8s inclusif au cr\u00e9dit et aux services financiers sp\u00e9cifiquement destin\u00e9s aux nouveaux arrivants.\u00a0<\/p>\n\n

\n

\u00ab\u00a0Nos recherches ont r\u00e9v\u00e9l\u00e9 que les complexit\u00e9s de l\u2019acc\u00e8s au cr\u00e9dit sont souvent n\u00e9glig\u00e9es dans les \u00e9tudes sur les nouveaux arrivants. Pourtant, le cr\u00e9dit fa\u00e7onne discr\u00e8tement presque tous les aspects de la vie quotidienne, de l\u2019achat de produits de premi\u00e8re n\u00e9cessit\u00e9 \u00e0 l\u2019obtention d\u2019un logement ou au lancement d\u2019une entreprise. Malgr\u00e9 son importance essentielle, le cr\u00e9dit re\u00e7oit rarement l\u2019attention qui est accord\u00e9e \u00e0 la langue ou \u00e0 l\u2019emploi, lors des efforts d’int\u00e9gration et d’aide aux nouveaux arrivants. Il est temps de changer cela.<\/strong>\u00a0<\/p>\n\n\n\n

\u2014Narinder\u00a0Dhami, cofondateur de New Power Labs<\/em>\u00a0<\/p>\n<\/blockquote>\n\n

Lire le rapport complet.<\/strong><\/a> <\/strong>\u00a0<\/p>\n\n

Principaux points \u00e0 retenir pour faire progresser l\u2019acc\u00e8s inclusif au cr\u00e9dit<\/strong>\u00a0<\/h4>\n\n

De nombreux nouveaux arrivants font face \u00e0 d\u2019importants d\u00e9fis pour s\u2019y retrouver dans un nouveau syst\u00e8me financier, aggrav\u00e9s par des historiques de cr\u00e9dit limit\u00e9s au Canada et des lacunes dans les connaissances financi\u00e8res. Les mod\u00e8les de cr\u00e9dit traditionnels classent souvent \u00e0 tort les nouveaux arrivants comme \u00e9tant \u00e0 haut risque, tandis que de nombreuses institutions financi\u00e8res manquent souvent d\u2019options de cr\u00e9dit flexibles et manquent de coh\u00e9rence entre leurs succursales, ce qui exacerbe encore les probl\u00e8mes d\u2019accessibilit\u00e9. Les nouveaux arrivants peuvent acc\u00e9der \u00e0 des ressources par l\u2019interm\u00e9diaire de programmes de litt\u00e9ratie financi\u00e8re et de r\u00e9seaux communautaires, mais ces services sont parfois insuffisants\u00a0: les programmes ne peuvent souvent pas r\u00e9pondre aux besoins imm\u00e9diats en mati\u00e8re d\u2019installation ou offrir des conseils personnalis\u00e9s, et les r\u00e9seaux communautaires peuvent disposer d’informations financi\u00e8res obsol\u00e8tes ou inexactes.\u00a0\u00a0<\/p>\n\n

L\u2019\u00e9tude de New Power Labs fournit des recommandations pratiques et des opportunit\u00e9s pour permettre aux nouveaux arrivants d\u2019acc\u00e9der au cr\u00e9dit. Par exemple, l\u2019\u00e9tude appelle les banques et les pr\u00eateurs \u00e0 adopter des m\u00e9thodes alternatives d\u2019\u00e9valuation du cr\u00e9dit et \u00e0 \u00e9largir les offres de cr\u00e9dit sur mesure, tandis que les gouvernements sont invit\u00e9s \u00e0 financer des programmes d\u2019\u00e9ducation financi\u00e8re culturellement pertinents et \u00e0 promouvoir l\u2019utilisation de donn\u00e9es de cr\u00e9dit non traditionnelles. De plus, l\u2019\u00e9tude encourage les agences d\u2019\u00e9tablissement et les organismes d\u2019aide aux immigrants \u00e0 collaborer plus \u00e9troitement avec les coachs financiers, les banques et les r\u00e9seaux communautaires afin d\u2019offrir des programmes de litt\u00e9ratie financi\u00e8re adapt\u00e9s \u00e0 la culture et d\u2019\u00e9laborer des outils conviviaux adapt\u00e9s aux nouveaux arrivants.\u00a0\u00a0<\/p>\n\n

Il est important de noter que les bailleurs de fonds philanthropiques peuvent potentiellement initier un changement durable et transformateur \u00e0 la racine du probl\u00e8me en finan\u00e7ant des programmes de renforcement du cr\u00e9dit ax\u00e9s sur la culture, en soutenant des projets pilotes d\u2019\u00e9valuation de cr\u00e9dit alternatifs et en pr\u00e9conisant des politiques financi\u00e8res inclusives par le biais de subventions. Les investisseurs sont \u00e9galement encourag\u00e9s \u00e0 investir dans des start-ups de technologie financi\u00e8re et des produits financiers con\u00e7us pour les nouveaux arrivants, \u00e0 s\u2019associer \u00e0 des pr\u00eateurs associatifs qui privil\u00e9gient les populations traditionnellement marginalis\u00e9es ou n\u00e9glig\u00e9es et \u00e0 soutenir les produits et les syst\u00e8mes qui comblent les lacunes structurelles en mati\u00e8re de financement des nouveaux arrivants.\u00a0<\/p>\n\n

Favoriser l\u2019inclusion financi\u00e8re des nouveaux arrivants\u00a0: exemples de WES et du Fonds<\/strong>\u00a0<\/h4>\n\n

Through strategic trust-based grantmaking and investments, WES is championing alternative credit models<\/strong><\/a> and inclusive financial products that address systemic barriers and unlock economic opportunity for newcomers across Canada. WES\u2019 catalytic investment portfolio provides flexible, patient, risk-tolerant capital to companies, enabling bold experimentation in financial inclusion.\u00a0<\/p>\n\n

En\u00a02022, WES a investi dans Woveo<\/strong><\/a>, une start-up fintech qui r\u00e9pond aux besoins financiers des communaut\u00e9s mal desservies, en particulier les immigrants, gr\u00e2ce \u00e0 des donn\u00e9es alternatives destin\u00e9es \u00e0 \u00e9largir l\u2019acc\u00e8s au cr\u00e9dit et aux outils d\u2019\u00e9pargne. En mettant en place une plateforme d\u2019\u00e9pargne collective qui sert de base \u00e0 l\u2019acc\u00e8s au cr\u00e9dit, l\u2019approche culturellement adapt\u00e9e de l\u2019entreprise en mati\u00e8re de renforcement du cr\u00e9dit aide les nouveaux arrivants \u00e0 \u00e9tablir leur solvabilit\u00e9 et \u00e0 am\u00e9liorer leur stabilit\u00e9 financi\u00e8re \u00e0 long terme.\u00a0\u00a0<\/p>\n\n

Plus tard en\u00a02024, WES a renforc\u00e9 son engagement en faveur de la finance inclusive en investissant dans le programme Cost-Plus de Windmill Microlending<\/strong><\/a>. Ce programme offre aux nouveaux arrivants des pr\u00eats \u00e0 faible taux d\u2019int\u00e9r\u00eat allant jusqu\u2019\u00e0 15\u00a0000\u00a0$ destin\u00e9s \u00e0 soutenir l\u2019accr\u00e9ditation, la formation et le d\u00e9veloppement de carri\u00e8re. Avec des paiements mensuels fixes et structur\u00e9s conformes \u00e0 la finance islamique, le programme garantit une plus grande accessibilit\u00e9 aux clients qui rencontrent des difficult\u00e9s avec les produits de pr\u00eat traditionnels.\u00a0\u00a0<\/p>\n\n

Le Fonds s\u2019engage \u00e9galement \u00e0 soutenir les initiatives qui favorisent l\u2019entrepreneuriat et l\u2019actionnariat salari\u00e9. En\u00a02023, Solid State<\/strong><\/a>, un partenaire b\u00e9n\u00e9ficiaire bas\u00e9 en Colombie-Britannique qui applique le concept d\u2019\u00e9conomie solidaire pour constituer des coop\u00e9ratives de travailleurs principalement parmi les personnes issues de l’immigration, a utilis\u00e9 des fonds pour fournir un financement bas\u00e9 sur la communaut\u00e9 non extractif \u00e0 des entrepreneurs. Cela a aid\u00e9 Cleaning Co-Op, une entreprise dirig\u00e9e par des nouvelles arrivantes racialis\u00e9es, \u00e0 d\u00e9bloquer 170\u00a0000\u00a0$ de capital pour soutenir la croissance de leur entreprise. De plus, en\u00a02024, le Fonds a octroy\u00e9 un financement \u00e0 Jumpstart Refugee Talent<\/a><\/strong> (dans le cadre d\u2019un partenariat de cofinancement avec la Fondation Definity et Rally Assets) pour soutenir la cr\u00e9ation et le lancement du Refugee Impact Fund, un acc\u00e8s alternatif au capital de d\u00e9marrage destin\u00e9 aux entrepreneurs r\u00e9fugi\u00e9s pour leur permettre de lancer leurs propres entreprises d\u2019ici\u00a02026.\u00a0<\/p>\n\n

Les recherches de New Power Labs soulignent la n\u00e9cessit\u00e9 de proposer un acc\u00e8s au cr\u00e9dit aux nouveaux arrivants et des programmes d\u2019\u00e9ducation financi\u00e8re culturellement adapt\u00e9s afin de s\u2019assurer que les immigrants ont acc\u00e8s \u00e0 des services et des produits financiers et d’am\u00e9liorer les \u00e9conomies inclusives. Avec l\u2019aide de nos partenaires, nous nous engageons \u00e0 cr\u00e9er des opportunit\u00e9s \u00e9conomiques et \u00e0 veiller \u00e0 ce que les nouveaux arrivants aient les outils n\u00e9cessaires pour se b\u00e2tir un avenir prosp\u00e8re.\u00a0<\/p>\n\n

Pour en savoir plus sur les recherches de New Power Labs, regardez leur r\u00e9cent webinaire<\/strong><\/a> qui comprend les points de vue de Sifat\u00a0Yusuf, gestionnaire de programme du Fonds. \u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

R\u00e9dig\u00e9 par Sifat\u00a0Yusuf, gestionnaire de programme du Fonds WES Mariam\u00a0Assefa\u00a0; Cristina\u00a0Lara-Agudelo, gestionnaire de la plateforme d\u2019investissements WES\u00a0; Subaita\u00a0Rahman, sp\u00e9cialiste des communications et des politiques publiques de WES L\u2019\u00e9quipe de New Power Labs pr\u00e9sente ses recherches \u00e0 Toronto le 5\u00a0mai\u00a02025, en compagnie de Sifat\u00a0Yusuf, gestionnaire de programme du Fonds.\u00a0 Alors que les immigrants repr\u00e9sentent 23\u00a0% de […]<\/p>\n","protected":false},"author":679,"featured_media":50065,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1570],"tags":[1509,1573,1543,1564,1567,1736],"class_list":["post-50693","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financement-optimisant-limpact","tag-canada-fr","tag-financement-optimisant-limpact","tag-inclusion-des-immigrants","tag-inclusion-financiere","tag-partenariats","tag-rapports-de-recherche"],"better_featured_image":{"id":50065,"alt_text":"New Power Labs team pictured with Sifat Yusuf during their research presentation for \"From Barriers To 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les barri\u00e8res : faciliter l'acc\u00e8s au cr\u00e9dit innovant pour les immigrants \u00a0 - WES<\/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:\/\/www.wes.org\/fr\/resource-library\/blog\/financement-optimisant-limpact\/briser-les-barrieres-faciliter-lacces-au-credit-innovant-pour-les-immigrants\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Briser les barri\u00e8res : faciliter l'acc\u00e8s au cr\u00e9dit innovant pour les immigrants \u00a0\" \/>\n<meta property=\"og:description\" content=\"R\u00e9dig\u00e9 par Sifat\u00a0Yusuf, gestionnaire de programme du Fonds WES Mariam\u00a0Assefa\u00a0; Cristina\u00a0Lara-Agudelo, gestionnaire de la plateforme d\u2019investissements WES\u00a0; Subaita\u00a0Rahman, sp\u00e9cialiste des communications et des politiques 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