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7/22/2019 Omar Hniche & Mohammed Nadif - La micro finance participative au Maroc entre le discours et la ralit
1/9
DK LJ@^CFJAKA@B
pkrtj`jpktjvb bt scdjgkjrb,
batrb db gjs`curs bt dk
rkdjt 8 `ks gu Lkrc`
@CAFB^BA@B JAWB^AKWJCAKDB 8
BWEJ[RB BW BDJMJCAP YCR^ RAB B@CACLJB HRPWB
Ykr8
Yr. Clkr EAJ@EB bt Yr.Lcekllbg AKGJF
Basbjmakats `ebr`eburs, FPHBP gb ^knkt, Rajvbrsjt
Lcekllbg-V
Pcujssj?
7/22/2019 Omar Hniche & Mohammed Nadif - La micro finance participative au Maroc entre le discours et la ralit
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YDKA GB DJAWB^VBAWJCA
JAW^CGR@WJCA
Lj`rcfjaka`b pkrtj`jpktjvb bt scdjgkjrb ku Lkrc`, qubddb pdk`b gkas
djagustrjbfjaka`jrb aktjcakdb 3
Lj`rcfjaka`b pkrtj`jpktjvb bt scdjgkjrb jafcrlbddb ku Lkrc`, uab
prktjqub trs ka`jbaab
@CA@DRPJCA
7/22/2019 Omar Hniche & Mohammed Nadif - La micro finance participative au Maroc entre le discours et la ralit
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Yrs gb ;,7 ljddjkrg gb pbrscaabs vjvbat ba gbsscus gusbujd gb pkuvrbt, gcat 799 ljddjcas gb lusudlkas sbdca
dk Nkaqub jsdkljqub gu gvbdcppblbat?
Gb llb, pdus gb =>%gbs pbrscaabs vjvkat gkas gbs
pkys lkhcrjt lusudlkab autjdjsbat pks dbs sbrvj`bsfjaka`jbrs cavbatjcaabds (Ecaceca >99=),
Kvb` prs gb ;,6 ljddjkrg gb lusudlkas gkas db lcagb
bt uab gblkagb tcuhcurs pdus `rcjsskatb, dkvbajr gb dk
lj`rcfjaka`b jsdkljqub sblndb prcljs? Dk lj`rcfjaka`b jsdkljqub sb `ca`batrb kuhcurgeuj
bssbatjbddblbat sur trcjs pkys ksjktjqubs qub scat
dJagcasjb, db Nkamdkgbse bt dKfmekajstka, quj
`kptbat bux sbuds 59 %gu lkr`e.
7/22/2019 Omar Hniche & Mohammed Nadif - La micro finance participative au Maroc entre le discours et la ralit
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J- Lj`rcfjaka`b pkrtj`jpktjvb bt scdjgkjrb ku Lkrc`, qubddb
pdk`b gkas djagustrjbfjaka`jrb aktjcakdb 3
Db Lkrc` k k``us ua mrkag rbtkrg pcur blpruatbr db `eblja gb dk fjaka`b
jsdkljqub, pujsqub dbs prbljbrs prcgujts gb fjaka`blbat jsdkljqubs gjts
kdtbraktjfs acatvu db hcur qudk fja gb >99=?
@bs prcgujts acat pks `caau db su``s bs`clpt ba gpjt guab gblkagb
pkdpkndb bt `b ba rkjsca gb dbur `ct bx`bssjf `clpkrktjvblbat kux
fjaka`blbats cavbatjcaabds?
@bdk gjt, dk fjaka`b jsdkljqub bst kppbdb sb gvbdcppbr bt db prchbt gb dcj
nka`kjrb, lkdmr sca jlpbrfb`tjca bt sbs dk`uabs, lkrqub ua tcurakat g`jsjf
gkas dk ljsb ba pdk`b guab jagustrjb fjaka`jrb jsdkljqub?
Gkas `b prchbt gb dcj, dbs kssc`jktjcas gb lj`rc`rgjt scat bx`dubs gu
`eklp gjatbrvbatjca gbs jastrulbats gb dk nkaqub jsdkljqub gjtb
pkrtj`jpktjvb. @b quj scudvb dk qubstjca gb skvcjr sj dbs `jtcybas pkuvrbs cu
fkjndbs rbvbaus acat pks grcjt uab fjaka`b scdjgkjrb `cafcrlb dk
Pekrjkk?
7/22/2019 Omar Hniche & Mohammed Nadif - La micro finance participative au Maroc entre le discours et la ralit
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* Db sb`tbur gb dk lj`rcfjaka`b `cavbatjcaabddb ku Lkrc` c``upb uabpdk`b jlpcrtkatb gkas db lkr`e lcagjkd gb dk lj`rc fjaka`b. Jd sbrt
79%gbs `djbats gkas db lcagb krknb bt bst dbkgbr ku ajvbku gb dk
rmjca LBAK kvb` 67 % gbs ba`curs gb prts gb dk rmjca ? gb
llb, jd bst `dkss ;2lblcagjkd ba tbrlbs gb pcpudktjcas
sbrvjbs,
* Ra Pylpcsjul Jatbraktjcakd gb dk Lj`rcfjaka`b k t crmkajs ba
c`tcnrb >9;> ku Lkrc` bt k ljs db pcjat sur dbs prcndlbs gu
sb`tbur bt k ljs dk``bat sur dbs k`tjcas strktmjqubs lbabr pcur dk
prclctjca gu sb`tbur?
J- Lj`rcfjaka`b pkrtj`jpktjvb bt scdjgkjrb ku Lkrc`,
qubddb pdk`b gkas djagustrjbfjaka`jrb aktjcakdb 3
7/22/2019 Omar Hniche & Mohammed Nadif - La micro finance participative au Maroc entre le discours et la ralit
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* Gurkat dk prjcgb `cdcajkdb bt ku dbagblkja gb djagpbagka`b dbtkux gb nka`krjsktjca tkjt trs nks,
* Dbs nbscjas gb fjaka`blbat gb dk mrkagb lkhcrjt gbs lkrc`kjas
tkjbat sktjsfkjts mr`b dk fjaka`b jafcrlbddb8
- Dbs usurjbrs?
- dk lj`rc fjaka`b pkrtj`jpktjvb bt scdjgkjrb.
* Dbs jastrulbats gb lj`rcfjaka`blbats pkrtj jpktjfs 8
- Lcurknkek? - Kd jhkrk? - Kd Pkdkl? - Kd Jstjsakk.
- Dk Lcugrknk? - Dk Lcu`ekrkok ,- Kd qukrg kd eksska? -Kzzkokt? - Dbs gjffrbatbs kutrbs fcrlbs ,
* Ydusjburs fk`tburs cat `catrjnu ku rb`ud prcmrbssjf gb `bs fcrlbs gb
fjaka`blbat. Acus `jtcas tjtrb gbxblpdb8
- Db rbd`eblbat gbs djbas gb scdjgkrjt fkljdjkdb bt gb vcjsjakmb?
- Dk``rcjssblbat gb djagjvjgukdjslb bt dk `cursb ku mkja rkpjgbbt fk`jdb .
JJ- Lj`rcfjaka`b pkrtj`jpktjvb bt scdjgkjrb jafcrlbddb ku
Lkrc`, uab prktjqub trs ka`jbaab
7/22/2019 Omar Hniche & Mohammed Nadif - La micro finance participative au Maroc entre le discours et la ralit
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7/22/2019 Omar Hniche & Mohammed Nadif - La micro finance participative au Maroc entre le discours et la ralit
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Dk lj`rc fjaka`b pkrtj`jpktjvb bt scdjgkjrb bst ua pujsskat dbvjbr
gb duttb `catrb dk pkuvrbt `kr, jd bst ba prbljbr djbu, gbstja kux
pcpudktjcas gserjtbs bt gkutrb pkrt, jd cffrb gbs kvkatkmbs aca
amdjmbkndbs dk prclctjca gu lj`rc-batrbprbaburjkt?
Dbs pcssjnjdjts gb lcnjdjsktjca gbs fcags, pcur rpcagrb dkgblkagb gb pdus ba pdus jlpcrtkatb, scat aclnrbusbs.
@b pbagkat, jd ja`clnb kux gjffrbatbs pkrtjbs prbakatbs
jlpdjqubs gkas `b prc`bssus, gb sb `cafcrlbr kux rmdbs gtejqub
gkas dburs prktjqubs quctjgjbaabs bt aca ku ajvbku gu gjs`curs.
7/22/2019 Omar Hniche & Mohammed Nadif - La micro finance participative au Maroc entre le discours et la ralit
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