In Gabon, only 10% of the population has access to the banking system. Yet, the poor have as much if not more need of financial services that others can be productive for loans, invested in a small business, but also for consumer credit, savings or l Insurance to secure the standard of living, or in other words, to cope with setbacks of life.

Today, many people who see the Micro finance, especially micro-credit, a promising development tool whose principle is the following: provide access to credit to people with a productive project when lack access to traditional banking system.

That is the goal of the GEC-EMF which, by granting a small credit adapted to the needs of the recipient, give him the means to develop an activity. Generally, recipients of a credit run a small business that provides a daily income. The capital injection may enable them to develop this pre-existing activity but also to undertake a new activity based on an idea viable and serious. A micro credit often starts at 500,000 f cfa ($1,082) or 1,000,000 f cfa ($2,165) and is repayable in 3 to 6 months, as appropriate.

Most micro credits take the form of credit solidarity: the loan is granted to a group of people (between 4 and 8 under the Micro Credit Associations) who decides to vouch pledging to repay a debt its members in case of trouble. This technique has proved its worth: repayment rates exceed 90% in the sector, compared with that of banks which is close to 80%! When the contractor has demonstrated its seriousness, he could have access to individual credits, including the amounts can range from 10,000,000($21,650) CFA francs to 5,000,000 ($10,822)as appropriate.