« Le Remedic lance un fonds d’investissement pour les médecins au Cameroun»

Dr Roger Etoa, président du Réseau des médecins de district du Cameroun (REMEDIC) apporte des éclairages le but, le rôle et le fonctionnement de MEDIC’FUND.

Monsieur le Président, nous avons appris le lancement d’un fonds d’investissement créé au sein du Réseau des médecins de district du Cameroun (REMEDIC). Qu’en est-il exactement ?

MEDIC’FUND est un fonds d’investissement créé au sein du Réseau des médecins de district du Cameroun (REMEDIC), une organisation créée et légalisée en 2016.

Parmi les missions du REMEDIC, nous avons: la valorisation des médecins de première ligne, la mise sur pied des projets de santé communautaire dans l’optique du renforcement du système de santé à la base, c’est à dire au niveau des districts de santé. On oublie souvent de la dire, mais les professionnels de la santé sont eux-mêmes une communauté.

Leur valorisation peut passer par des revalorisations salariales, mais également par des projets d’inclusion économique. Nous voulons par la mise en place de ce fond continuer dans le renforcement du medicus economicus c’est à dire le “médecin économique”, c’est à dire un médecin qui a des revenus dignes et qui n’est pas obligé de rançonner les malades ou de réaliser des malversations financières dans son hôpital pour survivre. C’est juste une nouvelle étape parce qu’au sein du REMEDIC, nous avons déjà plusieurs projets économique tels que:

– La e-tontine du REMEDIC   qui est une tontine entièrement en ligne a laquelle tout médecin quelque soit son lieu de travail ou d’affectation peut participer sans se déplacer. En 2019, plus de 15 millions de Francs ont transité par cette tontine et ont permis à chaque bénéficiaire de réaliser les projets personnels de son choix.

– Une entreprise MEDIC SARL, entièrement détenue par les membres du REMEDIC, qui est le bras économique pour conquérir certains marchés et prestations au profit de ses actionnaires Parmi lesquelles l’organisation REMEDIC elle-même.

Pourquoi un fonds pour les médecins ?

Le MEDIC’FUND continue tout simplement dans cette lancée. Son objectif est de cibler des investissements productifs à court,  moyen et long terme au profit des professionnels de santé ou du système de santé.  Par exemple ces fonds peuvent: aider un professionnel de santé à s’installer et équiper sa clinique ; aider un professionnel de santé à acquérir un matériel médical productif (électrocardiogramme, échographe, Appareil de laboratoire, etc…) par le biais du crédit-bail ;

– Financer des investissements productifs pour toute la communauté (lotissement des terrains, prise de participation dans des starts-up et entreprises médicales à fort potentiel, investissements immobiliers, mise en place de cliniques privées, etc….) ;

– Octroyer des prêts à des taux non prohibitifs à des professionnels de santé sur un délai raisonnable.

Nous ambitionnons d’ouvrir les premières mutuelles de santé et microfinances entièrement détenues et dédiées aux professionnels de la santé.

Comment va-t-il fonctionner ?

Le fond démarre avec 2 organes de gestion: les administrateurs du fond qui gère au quotidien et le club des souscripteurs qui est l’organe suprême de délibération des grandes orientations de ce fond.  Les administrateurs du fond ont pour mission de recueillir tous les agréments autorisations nécessaires auprès des autorités compétentes. Ils vont aussi compléter la rédaction des textes particuliers pour le fonctionnement optimal de ce fond.

Qui peut-être actionnaire ?

L’adhésion est libre et facultative pour tout membre du REMEDIC. Mais tout professionnel de santé non membre du REMEDIC devra s’inscrire pour en être membre. Les demandes sont acceptées ou refusées par le club des souscripteurs.

Comment bénéficie-t-on de ce fonds ?

Tout même souscripteur est potentiellement bénéficiaire au moment du reversement des dividendes du fond au bout d’une période

Qu’en est-il de la protection des ressources ?

Le REMEDIC  a déjà des mécanismes internes assez stricts pour la protection des fonds. Je vous ai dit plus haut que plus de 15 millions de FCFA ont transité par la e-tontine du REMEDIC en 2019 sans le moindre souci. Il y a une charte, un règlement intérieur, une enquête de moralité et un parrainage pour être accepté  dans ce mécanisme. Le REMEDIC dispose également des comptes bancaires avec plusieurs signataires pour le déblocage des fonds. Nous continuons d’améliorer chaque jour les mécanismes de protection de ces fonds. Nous allons également solliciter des agréments nécessaires pour aller plus loin Le REMEDIC  a déjà des mécanismes internes assez stricts pour la protection des fonds. Je vous ai dit plus haut que plus de 15 millions de FCFA ont transité par la e-tontine du REMEDIC en 2019 sans le moindre souci. Il y a une charte, un règlement intérieur, une enquête de moralité et un parrainage pour être accepté  dans ce mécanisme. Le REMEDIC dispose également des comptes bancaires avec plusieurs signataires pour le déblocage des fonds. Nous continuons d’améliorer chaque jour les mécanismes de protection de ces fonds. Nous allons également solliciter des agréments nécessaires pour aller plus loin.

Ce fonds dispose-t-il des ressources propres ?

Des la première semaine de création de ce fond, nous repartons déjà avec des souscriptions de plus de 8 millions de FCFA. Nous visons la barre de 20 millions de FCFA en fin Août.

Quel message adressez-vous à vos pairs ?

Je leur dit de se mobiliser et de nous rejoindre. Les professionnels de la santé ont des fonds dormants qu’ils peuvent mettre au service des causes de la santé pour le bien de tous.  Nous pouvons repenser et contribuer au financement de notre système de santé. A condition d’être organisés.  Nous mettons en place l’une des rares initiatives de financement participatif dans le secteur de la santé. On peut réussir ensemble. L’échec n’est pas permis!

Propos recueillis par Joseph MBENG BOUM

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