Ddalil-a amustaqil yessken lkridi di Lmeɣrib bla ma yzenz walu: nnewɛ n lkridiyat, lbankat d ccarikat n tamwil i yesɛan lmuwafaqa n Bank Al-Maghrib, ccrut s lḥala nnec, lḥulul mi tweɛṛ lḥala d mraw n lmudun timeqqranin, s tfransist, s ddarija d s tarifit.
Ṣṣit n lmaɛlumat, maci amesluf
War nettaɣ ca ddusiyat d war nettɛeṭṭa ca tamwil. Ṣṣfuḥat bnant x lwraq n Bank Al-Maghrib, n lmuʔassasat i yesɛan lmuwafaqa d n ṣṣaḥafa tiqtiṣadit tameɣribit. I kul lqarar, lɛerḍ i yuran n umesluf d ṛṛay n ijjen amustaqil qqimen d ccarḍ.
Min n tamwil i nessiwil fell-as?
Lkridi n taddart, lkridi n listihlak, lkridi n ṭṭumubil, leasing, microcrédit, ssleft x rrhen, tamwil n ccarikat neɣ n lfilaḥa, d lɛuqud tecaṛukiyin am Mourabaha. Kulci yella di lbab nneɣ lmuntajat n lkridi di Lmeɣrib.
Lbankat, ccarikat n tamwil, lwusaṭa
Attijariwafa bank, Bank of Africa, CIH Bank neɣ Saham Bank, i yellan d Société Générale Maroc, xeddmen qaṛib n ccarikat xaṣṣa am Wafasalaf, Sofac neɣ Salafin. Lbab nneɣ imeslafen d lwusaṭa yessken wi i yettmewwilen min d mamec ad txezreḍ lmuwafaqa.
Lḥala nnec tbeddel kulci
Lmuwaḍḍaf, umxeddem di lqiṭaɛ lxaṣṣ, lmutaqaɛid, aṭṭaleb, ṣṣanaɛ, MRE neɣ abeṛṛani i yeddren da: lbankat war ttxeddment ca s ccrut kif kif. Ccrut n kul lḥala llant di lbab lkridi s lḥala nnec, s lwraq i ssutren.
Mi yeḥbes lkridi
Ṛṛafḍ, fichage, ddin ẓẓayen aṭṭas, lxilaf neɣ bla fiche de paie: lḥalat-a nessiwil fell-asent s tidet. Ḥetta ict n ṣṣefḥa war tettwaɛad s lkridi; sskanent lḥuquq, lwasaṭa n lbankat, ttaqrir n lmalaʔa d tikerkas i ixess ad tbeɛɛdeḍ.
Mraw n lmudun, mraw n ssuqat
Ddaṛ Lbiḍa, Ṛṛbaṭ, Fas, Mṛṛakec, Ṭanja, Sla, Meknas, Wejda, Qniṭra d Agadir war ɣer-sent ca ttaman n tuddar kif kif d war ɣer-sent lqtiṣad amaḥelli kif kif. Kul ṣṣefḥa di lbab lkridi di lmudun timeqqranin tessken lḥala d imeslafen i yellan.
TEG, ɣir ṛṛeqm-a i tzemmreḍ ad tqaṛneḍ
Sin n ttraṭat kif kif zemmren ad ffren ttaman i yemxalafen aṭṭas s lmudda, tamin d lmeṣṣaṛif n ddusi. Ttaux effectif global yejmeɛ-asen maṛṛa. Bank Al-Maghrib tessufuɣ ula taux débiteurs n lwasaṭ, i yeṣlaḥen bac ad tqaṛneḍ ijjen lɛerḍ.
Ijjen sqef n lqanun x rriba
Ttaux ameqqran n lfayda yebna x ijjen qarar n 29 n ctanbir 2006 d x lmanciṛ 19/G/06 n lbank lmarkazi. Le360 yessiwel x ijjen sqef i d-yettasen, waḥd-s i kul nnewɛ n lkridi, d mazal ixess ad nexzar ma yebda.
Lqanun 31-08 d lḥuquq n umeslef
Lqanun 31-08 n tḥimayt n umustahlik yessuter lmaɛlumat zdat lweqt d lɛerḍ i yuran i lkridi n iwdan. Lqanun n lbankat 103-12 yenaḍem lmuʔassasat d lwusaṭa nsent. Sin n lqawanin-a d lsas n kulci i nessken.
Lqiṭaɛ n lbankat itbeddal
Société Générale Maroc tuɣal d Saham Bank di yunyu 2025, d Holmarcom yaɣ ṣṣhum n BNP Paribas di BMCI. Di 21 n yulyuz 2026, Bank Al-Maghrib tessken lḥiṣila n 2025 n lqiṭaɛ, i teqqar belli iṣeḥḥa.
Tamwil atecaṛuki d microcrédit
Lbankat tecaṛukiyin d ttwaqat am Umnia Bank neɣ BMCI Najmah ttɛeṭṭant tamwil bla lfayda walakin s ṛṛbeḥ. Microcrédit, i yeɛlan sqef nnes zi 50 000 ar 150 000 DH s lmuwafaqa n lḥukuma, yexṣa i lxedmat timẓẓyanin.
Kraḍ n tutlayin i ijjen lmuḥtawa
Kul ṣṣefḥa tella s tfransist, s ddarija d s tarifit, i wid i yeqqaren zi Ddaṛ Lbiḍa, zi Lḥusima neɣ zi Irifiyen n Urubba. Lmuṣṭalaḥat n lbankat zemmrent ad qqiment s tfransist mi ttxeddmen-tent lɛuqud imeɣribiyen am-anaya.
Ad tewjedeḍ ssuter n lkridi bla ttxelɛa
- Ḥedded min texseḍ, ssuma d lmudda, ɛad ḥseb ttraṭa i yezmer budget nnec ad yaɣ.
- Xzar ttaqrir n lmalaʔa nnec bac ad tafeḍ lmuckil zdat ma t-yaf umesluf.
- Qaren ɛla l'aqal kraḍ n lɛuruḍ i yuran zi lmuʔassasat i yesɛan lmuwafaqa s TEG d ttaman maṛṛa.
- Jmeɛ lkaṛṭ, lwraq n lxelṣa, relevés n lbank d lwraq n lmacruɛ.
- Ɣer lɛerḍ amezwaru, tamin d ccrut n lexlaṣ zdat lweqt zdat ma ad tsenaḍ.
- Ṛfeḍ kul ssuter n lmeṣṣaṛif zdat ma ad d-ffɣen idrimen d ssiwel x tikerkas.
Min yettawi ttaman n lkridi di Lmeɣrib
| Lḥaja | Ddur nnes | Lqedd |
|---|---|---|
| Ttaux nominal neɣ ṛṛbeḥ | Lxelṣa n umesluf | Yemxalaf, s sqef n TMIC i yellan |
| Tamin n umeslef neɣ Takaful | Lmewt d leɛjez | S ttaman n ccarika n tamin |
| Lmeṣṣaṛif n ddusi | Ddiraṣa n ssuter | Temxalaf zi lmuʔassasa ar tayeḍ |
| Lmeṣṣaṛif n ḍḍamana d lmuwettiq | Hypothèque neɣ nantissement | S ttaman arasmiyen |
| TEG | Ttaman maṛṛa di ijjen ṛṛeqm | Yuri di lɛerḍ |
Ddusi n lsas i kul ameslef
- Lkaṛṭ nasyunal électronique neɣ titre de séjour
- Bulletins de paie, attestation de travail neɣ bilans n lxedma
- Relevés n lbank n kraḍ ar sedis n ccuhur ineggura
- Lwreq n sskna
- Devis, facture pro forma neɣ compromis s lmacruɛ
- Ljadwal n lkridiyat i yellan
Lfxuxa n lkridi amezwaru
- Ad textareḍ lɛerḍ s ttraṭa tamẓẓyant ktar bla ma tqaṛneḍ TEG d ssuma maṛṛa i ad txelleṣeḍ di lmudda.
- Ad txelleṣeḍ lmeṣṣaṛif i ijjen « amesluf xaṣṣ » x internet zdat lɛeqd: ḥetta ijjen lmuʔassasa n lqanun war txeddem am-aya.
- Ad tejmeɛeḍ crédits renouvelables d lexlaṣ s ttraṭat ar ma yeɛla ddin nnec ktar zi min teqbel kul lbank.
- Ad tettuḍ ijjen lmuckil aqdim di centrale des risques, i yessexṣaṛen ssuter di taggara.
- Ad tewceḍ ddusi nnec i ijjen lwasiṭ i war yellin ca di lista n Bank Al-Maghrib.
Ssuwalat timezwura x ssleft di Lmeɣrib
Ṣṣit-a yezmer ad yi-yewc lkridi?
Lla. Nessufuɣ ɣir lmaɛlumat i war yettmal ca. Bac ad taɣeḍ tamwil, ruḥ ar ijjen lbank, ijjen lbank atecaṛuki, ijjen ccarika n tamwil neɣ ijjen ljamɛiyya n microcrédit i yesɛan lmuwafaqa. Ḥder zi kul wi i yxeddmen s lmuḥtawa nneɣ bac ad ak-yessuter lmeṣṣaṛif.
Mani ad tafeḍ ttaux n ass-a?
Bank Al-Maghrib tessufuɣ ijjen ṣṣefḥa n lḥisabat n taux débiteurs n lwasaṭ s kul nnewɛ n lkridi. I ijjen lɛerḍ s ṣṣeḥ, kul lbank neɣ ccarika tettɛeṭṭa ttaux nnes awarni ma txezzar ddusi, d TEG ixess ad yili di lɛerḍ i yuran.
Mamec ad txezreḍ ma umesluf yexeddem s lqanun?
Lbank lmarkazi tettɛeṭṭa lmuwafaqat s lqanun 103-12 d tessufuɣ lista nnes. APSF tettḥḍa ula ddalil n ccarikat n tamwil i yellan di-s. Ijjen i war yellin ca di lmaṣadir-a, i tettafeḍ ɣir s lmessageries, ixess ad tḥedreḍ zi-s.
Lmaɛlumat ttwajeddadent?
Ṣṣfuḥat bnant x lmaṣadir s ttarix, i nessken mi ijjen ṛṛeqm yeqqen s yis, am sqef aqdim n 14,30 % n 2013. Ttaman ttbeddalen: xzar dima ṛṛeqm n ass-a ɣar lmuʔassasa neɣ ɣar Bank Al-Maghrib.