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and individuals (+ 14%). On the contrary, loans to public enterprises fell by 21%.
The loans essentially finance the following fields: “buildings and public works sector” (20%); “Wholesale and retail trade” (16.5%); “Transport, activities ancillary to transport and telecommunications” (15%); “Extractive indus- tries” (12.5%); “Electricity-gas-steam-water pro- duction and supply” (12%).
By type of customers, 69.3% of loans are gran- ted private companies, 15.4% the individuals, 5.1% the public enterprises and 4.3% the central public administration.
At the end of December 2016, outstanding gross receivables represented 14.2% of outstan- ding loans, that is 448.9 billion. The provisions made amounted to 321.5 billion. As at June 30, 2017, outstanding gross receivables remai- ned stable representing 14.1% of outstanding loans, or 455 billion. The provisions made amounted to 341.5 billion.
According to a study by MINFI (DGTCFM) in 2017, financial services through the mobile phone show a 57.1% increase in the number of functional accounts between 2013 and 2015, which went from 1.4 million to 2.2 million. The overall value of operations reached 203.4 bil- lion in 2015 against 74.1 billion in 2014.
Two types of products are being deployed: ser- vices involving the use of paper money (reloading and withdrawal operations, those carried out in
electronic money (buying of goods, payment of bills, payment of taxes). The take-up of the tool will contribute to improving the financial inclusion rate.
However, the supply of financial services remains quite limited, and the obstacles are still there with in particular the persistence of the “cash culture”, the instability of the telecommunication network, the insufficiency of outlets and the difficulty to popularize the Internet.
In 2016, the total number of authorized microfi- nance institutions is 412, of which 370 are first class, 39 the second and 3 the third. In the first category, 245 operate in the following six net- works: CAMCCUL, MUCADEC, ABC, UCGN, BINUM Tontine and Nowefoch. In 2017, COBAC withdrew its agreement to Binum Tontine network, which has 18 funds.
The activity experienced an increase in customer deposits of 4.6% and loans of 6.4%. The cumu- lative balance sheet of the MFIs amounted to 768.2 billion, an increase of 3.8%. The number of customer accounts increased by 13.8% and 188 new outlets were opened.
Besides, a total of 270 institutions benefited from a special registration of the National Credit Council (CNC).
In terms of geographic coverage, the number of branches in the sector was 1,595 against 1,407 in 2015, up 13.4%. The outlets are mostly located in urban areas (54%). This presence varies by category and region. By category, 55%
Financial services through the mobile phone are experiencing a 57.1 increase

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