GRAFE has a specific mode of action.

Its conception of microcredit is different than the one usually found in the market:

  • almost no administrative fees
  • direct reinvestment of interests
  • direct follow-up on the ground by the President


Participation in the local economy

Income generation / job creation / access to training (apprenticeship))


Prevention of rural depopulation




The operation of the revolving is summarized in the following diagram:

Fonctionnement Revolving


Full redistributions: Repayment of loaned amounts is fully repaid on other loans.

Self-financing: The interest paid is used to finance all the costs of the local branch.