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@^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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