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 Types of microcredit in Morocco

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Messages : 238
Date d'inscription : 04/12/2010
Localisation : Agadir

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MessageSujet: Types of microcredit in Morocco   Types of microcredit in Morocco Icon_minitimeJeu 3 Fév - 14:01

Provide microcredit associations in Morocco, two types of services:
financial services and non-financial services, the first one is divided into two main sections, namely:
A - solidarity loan: Also known as the loan group, known as the group solidarity apply the principle of solidarity among themselves, so that in case of failure to perform the due payment by an individual belongs to the same group is imperative for the rest of the group and Iwduha him. The group consists of 3 to 5 individuals - according to all the Assembly - and, in solidarity loan does not request any guarantees, but the only guarantee is the same group, ranging in value of loans granted between 1000 to 30000DHs period of time between 3 and 18 months, and is satisfied premiums loan on a semi-monthly or monthly.

B - individual loan : Go and this type of loan at the beginning of 2006 and the reverse loan solidarity must be having a specific guarantees to benefit from this type of loan and can generally distinguish between the inside two types:
- Individual loan-oriented small businesses :
Is a loan intended for small businesses and micro enterprises for the development of their projects and business plans and small loans range in value between 1000 to 50000 dirhams in the time period between 6 months to 5 years. This type of loan should provide specific guarantees one Calcgel commercial or personal guarantees (such as the monthly wage ...).
In terms of the special conditions that must be provided in the beneficiary: it is to be the holder of entrepreneurship, and to be the capital of the latter than the predecessor.
- The loan for housing:
Started work in recent years is directed to those who wanted to improve the residence, repair, or to link housing connected to drinking water, or electricity, ranging from the value of loans granted between 1000 to 50000 dirhams in the time period between 6 months and 7 years. The request is specific guarantees as collateral furniture for home or personal guarantees or to ensure a relative. These are the various financial services provided by micro-credit associations in Morocco, in addition to the specific safeguards that should be available to take advantage of individual loan, which is in the development in Morocco since its inception in 2006, and to reduce the hardness in the performance of their clients, and the risk of debt recovery as well as financial services, Association provides microcredit, Morocco, non-financial services in parallel to the beneficiaries, such as training programs, guidance and counseling them through the field agents who are tracking the project, in addition to marketing the products of customer service at the regional level or national level, through the establishment of special exhibitions in this regard, we note In this regard, the "TASWIK" of the AL-AMANA, which was launched in 2008, which helps more than 200 customers in the industry of traditional marketing to sell their products, contributing to poverty alleviation.
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