URCLEC

Union Rénovée des Caisses Locales d'Épargne et de Crédit (URCLEC) is a microfinance institution specializing in savings and credit services in Togo. Operating primarily in rural and semi-urban areas, URCLEC serves individual members, agricultural producers, and small entrepreneurs across the country. The institution is regulated by the Commission Bancaire de l'UMOA and operates as a decentralized financial system.

URCLEC has established itself as a significant player in Togo's microfinance sector with over 14 years of experience providing financial services to underserved populations. The institution operates through a network of local mutual branches (mutuelles de base) that bring banking services to communities often beyond the reach of traditional commercial banks.