• Around 60 participants met in Lomé, Kara and Sokodé to draft a national action plan for women in STEM.

• A hackathon, “Education for Her,” rewarded three winning university teams with technical support from Togo Data Lab.

• A charter was adopted to create Tech clubs in universities to guide female students into technology careers.

National Workshop in Lomé

Togo hosted a national workshop from August 19–22 at the University of Lomé to boost women’s participation in technology sectors. About 60 participants from Lomé, Kara and Sokodé took part in the event.

Agence Togo Digital organized the workshop with support from the ProDigiT project run by GIZ. The gathering provided a platform to share experiences, research and solutions to advance women’s roles in the digital economy.

Breaking Barriers

The programme featured a study on gender equality in digital industries and discussions with leading Togolese tech figures, including Sati Sai (Trankyl), Binta Barry (Semoa), Belynda Latre Lawson-Betum (CDA) and Doris Djaglo (Makifaa). Participants also worked on a national action plan to make STEM careers more inclusive for female students and young professionals.

A highlight was the “Education for Her” hackathon. ESGIS came first, followed by the University of Kara and Defitech. The three teams will receive technical support from Togo Data Lab to develop their projects.

Sustaining Efforts

The workshop concluded with the adoption of a charter to launch Tech clubs in universities. The clubs will raise awareness and guide female students toward careers in science and technology.

For participants, the event was transformative. “It helped me build my confidence and understand that real efforts are being made to improve education for young women in tech,” said Abidé N., a mobile web development student.

Togo's microfinance sector showed mixed results in the first quarter of 2025. According to regional data from the Central Bank of West African States (BCEAO), deposits collected by decentralized financial systems (SFD) rose by 22.9 billion FCFA (about $37.5 million), or 5.5%, to approximately 436 billion FCFA (about $714 million).

On a year-on-year basis, the increase was nearly 9%, driven by growing confidence among households and groups in these institutions, which are capturing a rising share of national savings. The structure of deposits remains dominated by demand deposits at 57.3%, while term deposits account for 22.5%. The average amount per client was an estimated 129,898 FCFA, a 1.4% increase from the end of December, indicating that savings are growing faster than the number of clients.

However, outstanding loans granted by Togolese SFDs contracted by 20 billion FCFA (about $32.7 million), a 5.2% drop, aligning with a downward trend seen across the West African Monetary Union (WAMU). This decline was accompanied by a deterioration in the loan portfolio, with the gross non-performing loan rate approaching 10%, well above the prudential norm of 3%.

In the previous quarter, outstanding loans from microfinance institutions in Togo totaled 395.6 billion FCFA. At that time, the country had stood out with stronger growth than Senegal (+4.4%), Côte d’Ivoire (+4.8%), Burkina Faso (+3.1%), and Benin (+2.5%).

For sector players, this discrepancy is a concern. The growing appetite for savings contrasts with more restricted access to credit, even though microloans remain a vital financial tool for households and small businesses. Togo's microfinance sector includes around 70 institutions, dominated by organizations such as FUCEC.

Ayi Renaud Dossavi

Toyota Tsusho Corporation has announced plans to establish a new distribution hub at the Port of Lomé, marking a significant investment in Togo’s port sector. The project is set to begin in October 2025.

The decision was confirmed to Faure Essozimna Gnassingbé,  President of the Council of Ministers, by the group's CEO, Ichiro Kashitani, on the sidelines of the TICAD 9 conference in Yokohama last week.

The agreement covers several strategic sectors, with a primary focus on the automotive industry. The Lomé logistics hub will serve as a regional entry point for the importation, distribution, and after-sales service of Toyota vehicles. The partnership also includes projects in renewable energy and healthcare.

"We will increase our investments and develop our activities in the country," Kashitani said, highlighting the central role of the Port of Lomé as West Africa's only deep-water port.

The establishment of this distribution hub aligns Togo’s ambition to position itself as the gateway to the African Continental Free Trade Area (AfCFTA). The move is intended not only to strengthen its role as a transit platform but also to act as a catalyst for local industries, in line with the "co-creation of value chains" strategy promoted by Gnassingbé during the TICAD 9 conference.

Togo has launched the operational phase of its Urban Centers Electrical Network Extension Project (PERECUT) in the Centrale region. Officials announced the development last weekend at a meeting focused on implementing the project across five prefectures: Blitta, Sotouboua, Tchamba, Mô, and Tchaoudjo.

The project will cover eight towns: Blitta and Pagala-Gare in Blitta prefecture; Sotouboua and Adjengré in Sotouboua prefecture; Tchamba and Kaboli in Tchamba prefecture; Sokodé in Tchaoudjo prefecture and Djarkpanga in Mô prefecture. The work involves building 290.2 kilometers of low voltage (LV) power lines, 21.1 kilometers of medium voltage (MV) lines, and installing 36 transformer substations.

PERECUT also includes connecting new customers to the grid, transitioning existing subscribers to upgraded networks, and fitting prepaid meters. The project will also install streetlights to improve public lighting in the targeted communities.

Aboulaye Abbas, Chief of Staff to the Minister of Mines and Energy, explained the initial focus involves expanding the existing grid into new peri-urban neighborhoods. “Other projects are underway to electrify areas still without coverage,” he said.

This regional phase forms part of a larger national plan to build 1,681 km of LV lines, 200 km of MV lines, and 371 transformer substations. The project costs CFA46 billion and receives funding from the French Development Agency (AFD), Germany’s KfW, and the European Union (EU).

PERECUT aims to boost electricity access and coverage significantly in Togo’s interior cities. Officials expect the project to contribute directly to the country’s goal of achieving universal electricity coverage by 2030.

Esaïe Edoh

Togo is set to introduce the malaria vaccine into its public health system, becoming the 21st African country to do so. President Faure Gnassingbé discussed this plan last week in Yokohama, Japan, with Sania Nishtar, Executive Director of the Global Alliance for Vaccines (Gavi), at the 9th TICAD conference.

Gavi will back Togo’s rollout by funding the purchase, transportation, and storage of malaria vaccine doses. It will also train the health workers who will administer the vaccine. Officials haven’t yet disclosed the total cost of this support.

Fidèle à sa vision d’une diplomatie proactive au service du bien-être des populations, le Président du Conseil, Faure Essozimna Gnassingbé, a accordé une audience ce 21 août 2025 à Yokohama au Japon à une délégation de l’Alliance mondiale pour les vaccins et la vaccination… pic.twitter.com/byaDcAmpHc

— Présidence du Conseil du Togo (@presidencecstg) August 22, 2025

This move will strengthen Togo’s existing fight against malaria, which already includes the regular distribution of insecticide-treated nets. Health authorities expect to distribute nearly 530,000 long-lasting insecticidal nets (LLINs) free to the population in 2025.

Gavi’s director applauded Togo’s vaccination efforts, noting the country’s coverage exceeds 90% for basic childhood vaccines. She said this step “supports the progress made by Togo in vaccination.”

Malaria remains a leading cause of death in Africa, especially among young children. The World Health Organization’s 2023 report recorded 249 million malaria cases worldwide in 2022, with over 94% occurring in sub-Saharan Africa.

Since 2024, several African countries have started malaria vaccine programs, including Cameroon, Burkina Faso, Benin, Sierra Leone, Liberia, Côte d’Ivoire, South Sudan, Mozambique, the Central African Republic, Niger, Chad, the Democratic Republic of Congo, Sudan, Nigeria, and Burundi.

Esaie Edoh

The Chamber of Commerce and Industry of Togo (CCI-Togo) and the Chamber of Commerce and Industry of Osaka (CCI-Osaka) signed a cooperation agreement on Wednesday, August 20, 2025. The deal was formalized by José Symenouh, president of CCI-Togo, and Shingo Torii, president of CCI-Osaka, during Togo’s Economic Day at Expo 2025 Osaka.

The agreement aims to stimulate trade, encourage technology transfers, and support small and medium-sized enterprises from both countries in expanding internationally. Priority sectors include innovation, sustainable industry, energy transition, digital transformation, agribusiness, and logistics.

Through this partnership, Togolese companies will gain easier access to the Japanese market, especially in Osaka, one of Japan’s key economic hubs. Japanese businesses, in turn, will benefit from greater knowledge of the Togolese market and the broader West African region, where Togo plays a strategic role as a logistics hub through the Port of Lomé.

Dans le cadre de sa participation à l’exposition universelle 2025 à Osaka au Japon, le Togo a tenu mardi 19 août une journée économique avec plusieurs activités au menu...

➡️https://t.co/4W0zJ5w9sA#Denyigban #Togo??#CCITogo#ExpoOsaka2025 pic.twitter.com/Fd8NB8RsDJ

— Ministère du Commerce - TOGO (@CommercegouvTg) August 21, 2025

The convention marks another step in Togo’s strategy to strengthen ties with Asian markets, following similar agreements with countries such as China. It also deepens economic and trade cooperation between Lomé and Tokyo.

According to Japan’s Ministry of Foreign Affairs, cumulative financial support from Japan to Togo reached nearly 41 billion yen (about CFA186 billion) by the end of 2022. On the trade side, bilateral exchanges in 2023 stood at 2.27 billion yen in Togolese exports to Japan — mainly sesame and non-ferrous metals — against 3.12 billion yen in imports from Japan, including fibers and machinery.

The government of Togo selected 119 private media outlets to receive public press support in 2025. Officials announced this decision following a meeting with media representatives on August 21 in Lomé. Out of 186 applicants, only those meeting the High Authority for Audiovisual and Communication’s (HAAC) criteria qualified.

Authorities allocated a budget of CFA150 million for this support. They distributed the funds based on how regularly media outlets publish and how viable their businesses are.

This year, HAAC introduced a key change: it will pay media outlets via bank transfer instead of using checks, which it used in previous years. HAAC said this move aims to increase transparency and improve tracking of the funds.

The distribution process took into account the different types of media involved — print, audiovisual, and digital.

However, a debate surfaced over publication frequency requirements for digital media. Some players called for adjusting these rules to better reflect the realities of the online landscape. In response, HAAC encouraged media organizations to work together to agree on fair and practical standards for evaluating digital outlets.

From August 15 to 17, Kpalimé in southwestern Togo hosted Weekend Loft – Special Edition Credit Risk & AI. This third edition brought finance professionals, bankers, and risk management experts from several African countries. They aimed to find new ways to improve credit prevention and monitoring in a fast-changing banking environment.

A tense regional context

The choice of topic reflected real urgency. Across the West African Economic and Monetary Union (WAEMU), the quality of credit portfolios worries regulators. Non-performing loans keep rising. Meanwhile, traditional credit tools — payslips, land titles, banking history — show their limits in predicting risk.

In Togo, banks maintain a solvency ratio of 12.2%, which seems stable. But the IMF flags several institutions as fragile and falling short of regulatory standards. As a result, banks grant credit cautiously, limiting finance access for small and medium-sized enterprises (SMEs).

Weekend Loft emerged to address these challenges, backed by AMRAT (Association for Risk Management and Insurance of Togo).

Three days of intensive exchanges

The program featured four thematic sessions plus a collaborative workshop. It immersed participants in cutting-edge risk management tools.

On day one, experts mapped credit risk focusing on bank loans. They urged anticipation of high-risk areas and closer attention to early warning signs. That afternoon, a session on proactive credit management used case studies to show how banks can shift from reacting to problems toward structured anticipation.

Day two explored technology. A presentation on conversational agents showed how AI can track customer behavior, automate reminders, and detect subtle risk signals. Khalid Kezire, Chief Digital Officer of Bank of Africa Togo, then detailed how data from transactions, customer habits, and digital activity — including mobile money use, bill payments, and online behavior — can complement traditional scoring. This approach helps include often overlooked groups like young entrepreneurs, rural women, and informal workers.

The day ended with a collective intelligence workshop. Mixed groups brainstormed the “credit risk management system of tomorrow.” Ideas included predictive dashboards combining alternative data and regional platforms for sharing creditworthiness information.

Day three lightened the mood with a cultural visit to Château Viale and the Kpalimé waterfalls, blending inspiration with informal networking.

Experts at the helm

Khalid Yacoubou-Boukari, a certified risk management expert trained at HEC Paris and COFEB, led the event. Known for his clear teaching style, he stressed early detection and structured recovery. “The earlier a problem is identified, the easier it is to solve,” he said, highlighting a core principle of proactive credit management.

Participants hailed from Togo, Burkina Faso, Tunisia, and other countries. Their shared expertise helped compare strategies and identify common hurdles: data reliability, staff training, regulatory adaptation.

Between caution and innovation

Participants welcomed AI but acknowledged its boundaries. AI needs solid databases and strict governance. It cannot replace fundamental client selection criteria or regular credit monitoring.

Organizers urged a balance. Banks must combine classic methods — strict loan approvals, collateral checks, disciplined recovery — with digital tools to build a more resilient and inclusive system.

Khalid Yacoubou-Boukari concluded, “Beyond technical sessions, Weekend Loft created a space for informal exchanges and networking. This anchors reflection in a less institutional setting than traditional seminars.”

For attendees, the 2025 edition marked a milestone. In a region where credit risk management is now strategic, Kpalimé became the venue for a shared roadmap — blending regulatory caution with digital innovation.