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Abstract
The following pages report the results of our survey conducted among (Malian, Senegalese and Mauritanian) Soninké migrants during the period of 14th to 4 December 2015, living in the social residences of the former home Pinel (first home of migrant workers in France). This survey had to aim to discuss the implementation and use of a new tool to transfer the money in order to reduce use of informal channels, to promote financial inclusion, to finance smallholding and to develop entrepreneurship in rural by granting of credits medium or long term via Microfinance Institutions (IMF).