  In this work we will develop a new approach to solve the non repayment
problem in microfinance due to the problem of asymmetric information. This
approach is based on modeling and simulation of ordinary differential systems
where time remains a primordial component, they thus enable microfinance
institutions to manage their risk portfolios by a prediction of numbers of
solvent and insolvent borrowers ever a period, in order to define or redefine
its development strategy, investment and management in an area, where the
population is often poor and in need a mechanism of financial inclusion.
