THE CONTEXT The financement of Bank is difficult to be found for many enterprises such as small and medium enterprises. All the problems are not the guarantee, but the dominant factor of the problem is the guarantee which is linked to the land title of which most of our small and medium enterprises of countryside and the city do not dispose. The Gross Domestic Product (GDP) of which our countries are based on agriculture, fishing, animal breeding and forestry. THE TECHNICAL SYNTHESIS OF THE PROJECT: 1 - The acquisition of the biometrical insurance card (AGP) is compulsory for all Malians and all the foreigners living in Mali; 2 - The percentage of the insurance is set at 2 % of the insurable amount payable at every three month; 3 - The payment mode is exercisable by all the legal means: payment from wage, cash payment, cell phone payment, credit card and so one...; 4 - The insurable minimum amount is fixed at fifty thousand franc CFA either about one hundred USD, etc.