Following Cameroon and the Central African Republic, CICA continues its regional expansion and establishes its presence in N’Djamena to strengthen access to credit and financial transparency within the CEMAC region.

With the official launch of its operations in Chad, Creditinfo Central Africa (CICA) confirms the acceleration of its expansion across Central Africa and strengthens its role as a key infrastructure supporting the establishment of a credit information system at the level of the Economic and Monetary Community of Central Africa (CEMAC).

This establishment comes after the launch of CICA’s activities in Cameroon in January 2026, followed by its expansion into the Central African Republic (CAR) on June 3, 2026. It is part of a regional initiative aimed at improving the availability, quality, and sharing of financial data in support of financial stability and inclusion policies promoted by the Bank of Central African States (BEAC).

The official launch ceremony was held under the chairmanship of Ali Djadda Kampard, Secretary of State for Finance and Budget, representing the Minister of State, Minister of Finance, Budget, Economy, Planning and International Cooperation. The event brought together representatives of the BEAC, credit institutions, microfinance institutions, as well as technical and financial partners from the sector.

In his address, the government representative welcomed this major reform, which is expected to bring lasting transformation to the functioning of Chad’s financial sector. According to him, the establishment of CICA represents an essential tool for strengthening financial transparency, improving credit risk assessment, and facilitating access to financing for businesses and households.

A system serving transparency and access to financing

In Chad, CICA’s main mission will be to centralize and analyze borrower-related data. This information platform will enable financial institutions to access reliable and up-to-date data in order to improve customer creditworthiness assessments, reduce credit-related risks, and optimize financing decisions.

For banks and microfinance institutions, this system represents a strategic risk management tool. For borrowers, particularly small and medium-sized enterprises (SMEs) and households, it provides an opportunity to build stronger credit histories and consequently improve access to financing.

However, authorities emphasize that the effectiveness of the system will depend on the quality of the data provided and the commitment of financial sector stakeholders to regularly contribute information to the platform.

A regional momentum driven by BEAC

The deployment of Creditinfo Central Africa is part of a regional strategy led by the BEAC, aimed at equipping all CEMAC member countries with credit information bureaus by 2028. This reform also seeks to integrate a significant number of credit institutions and microfinance institutions across the region in order to strengthen financial inclusion and the stability of the financial system.

Initiated within the framework of a partnership between the BEAC and the International Finance Corporation (IFC), this reform addresses a long-standing challenge: the lack of reliable information on borrowers remains one of the major barriers to access to credit in the region. By structuring and securing the circulation of financial data, credit information bureaus help reduce information asymmetry between lenders and borrowers.

Present in more than 50 countries worldwide, the Creditinfo Group brings its international expertise to support the implementation of this system in Central Africa.

With the establishment of Creditinfo Central Africa (CICA) in Chad, the CEMAC region reaches a new milestone in the modernization of its financial system. This initiative represents a significant step towards a more transparent, secure, and inclusive financial environment, where access to credit is based on reliable and structured data.

Ultimately, this initiative is expected to strengthen trust among economic stakeholders and sustainably support the development of the private sector in Central Africa.