Deg yiseggasen ineggura, timacinin n uselken afraran neɣ "loan apps" ttawint azal meqqren deg Merruk. S usemres n yisefka n tilifun d internet, ad tili tmeɣra n uselken ifessasen d war tamɣa d ayen yettunefken i waṭṭas n yimdanen. Ayagi yessuli-d aṭṭas n twaɣiyin d yifassen n usnerni deg tmazgert tadrimt n Merruk.
Amanay n Tmazgert n Usleki Afraran deg Merruk
Tamazgert n uselken afraran deg Merruk tella deg tmeɣra tameqqrant deg useggas n 2025, s yifassen n usnerni n useqdec n tilifun d internet, akk d wallalen n tuddsa i d-yettak Bank Al-Maghrib. Aṭṭas n yimdanen deg Merruk sseqdacen tilifunen-nsen i uselken n yidrimen, ayen i d-yefkan tazwara tameqqrant i yimacinin-agi.
- Anasiya afraran: Merruk yeṭṭaf azal n 38.3 n yimelyunen n yimseqdacen n internet, ayen i d-yefkan azal n 103.45% n useɣli n internet. Ayagi yesseqreb tilifun d internet i waṭṭas n yimdanen, ayen i d-yefkan tazwara i uselken afraran.
- Asaɣ awalan n tedrimt n ufus: Ugar n 5 n yimelyunen n yimezdaɣ sseqdacen isendyaq n tedrimt n ufus (e-money accounts), ayen i d-yefkan tazwara i yimacinin n uselken. Ayagi yettban-d s tdukliwin gar tɣiwanin n tilifun d twankin.
- Iswi n tuddsa: Bank Al-Maghrib (Tabankt n Merruk) tella tesseggid tigriwin tisnawin ɣef uselken afraran, d teqqim tesseggid iswiyen n AML/KYC (Anti-Money Laundering/Know Your Customer) deg tmaɣra n "Afraran n Merruk 2030". Ula ma ulac asefru iɣezzif i uselken afraran, aṭṭas n yimeẓla ttmeslayen s isefra n tedrimt n ufus neɣ n tmeẓli n Bank Al-Maghrib.
- Aṭṭaf n tmazgert: Aseggas n yisurifen yettunefken s uselken afraran yeqqim deg azal n 4 n yimelyaren n yidrimen n Merruk (MAD), s tmeɣra n usnerni n 25% yal aseggas.
- Amasaq n imseqdacen: Imeẓla n temdinin, am Casablanca, Rabat, d Marrakec, akk d yimeẓla imecṭaḥ n tnezzayt, sseqdacen isurifen ifessasen, war tamɣa, i wakken ad sseɣlin idrimen nnsen.
Timarwin n Tmazgert d Wallalen Imecṭaḥ
Deg useggas n 2025, aṭṭas n yimacinin n uselken afraran i d-yettunefken deg Merruk. Gar-asen, ad d-nsemmi kra n yimeẓla imeqqranen i d-yettakken isurifen d imawlan nnsen:
- Inwi Money: Yettak isurifen seg MAD 100 ɣer MAD 20,000, s tseggast n twuriyin n 18% ɣer 30%. Yettekki deg Bank Al-Maghrib.
- Wafacash: Yettekki deg Attijariwafa Bank, yettak isurifen seg MAD 500 ɣer MAD 50,000, s tseggast n twuriyin n 24%.
- CIH Bank Smart App: I yimawlan n CIH Bank, yettak isurifen seg MAD 1,000 ɣer MAD 100,000, s tseggast n twuriyin n 1.8% ɣer 3.5% yal aseggas.
- BMCE Direct: Yettekki deg BANK OF AFRICA Group, yettak isurifen seg MAD 1,000 ɣer MAD 80,000, s tseggast n twuriyin n 9.5% yal aseggas.
- Orange Money Maroc: Yettak isurifen seg MAD 100 ɣer MAD 10,000, s tseggast n twuriyin n 24% ɣer 36%.
- Barid Cash: Yettekki deg tmazgert n tmeẓli, yettak isurifen seg MAD 500 ɣer MAD 30,000, s tseggast n twuriyin n 24%.
- Tamweelcom: Yettak isurifen seg MAD 500 ɣer MAD 100,000, s tseggast n twuriyin ur yettunefk ara, yettwassen s useqdec n yisefka n tdukli.
- Alyousr Mobile: Yettak isurifen s wazal n Murabaha (aselken islem), seg MAD 1,000 ɣer MAD 60,000.
- Cash Plus App: Yettak isurifen seg MAD 300 ɣer MAD 15,000, s tseggast n twuriyin n 36%.
- Mobicash Crédit: Yettak isurifen seg MAD 500 ɣer MAD 25,000, s tseggast n twuriyin ur yettunefk ara, yettwassen s useqdec n yisefka n ufus.
Tirawin n Tuzzuft, Adrim, d Tɣawsiwin
Isurifen yettunefken s yimacinin-agi mgaraden deg wazal nsen, seg MAD 100 ɣer MAD 100,000. Tseggast n twuriyin (APR) daɣen mgaradent aṭas, seg 1.8% ɣer 42%. Ilzem ad nessenqed d akken kra n yimacinin ssawalen ɣef twuriyin n tesemuyt, ayen i d-yettales azal n twuriyin s tseggast. Ihi, ilaq ad nḥesbeḍ azal n tseggast n twuriyin i wakken ad nwali amek yettales usurif.
Aṭṭas n yimeẓla sseqdacen isekles afraran i wakken ad ḥesben aseggem n uselken, s useqdec n yisefka n tilifun d twankin. Yettawin idrimen s isendyaq n ufus neɣ s yiserken n twankin. Ilzem ad nessenqed idrimen n ubdad (origination fees), idrimen n uneggaru (late fees), d idrimen n usellek zdat (prepayment penalties), imi ayagi yezmer ad yessali azal n usurif s waṭṭas.
Taɣdemt n Tuddsa d Wallal n Yimseqdacen
Tuddsa n uselken afraran deg Merruk tella tesseggid, s Bank Al-Maghrib i d-yettakken iswiyen i yimeẓla. Ula ma ulac asefru iɣezzif, aṭṭas n yimacinin sseqdacen isefra n tedrimt n ufus neɣ n tmeẓli.
Ula ma yella usnerni n uselken afraran, ilzem ad nessenqed tiwaɣiyin i yezmer ad d-yawi i imseqdacen:
- Aseggas n twuriyin ifrawan: Aṭṭas n yimacinin sseqdacen twuriyin n tesemuyt, ayen i d-yettales azal n twuriyin s tseggast ɣer ugar n 30%. Ihi, ilzem ad nessenqed aseggas n twuriyin i wakken ad nḥesbeḍ azal n usurif.
- Tigejdit n isefka: Isafaren n KYC (asekkud n yisem) d yiserken ibiometriken n yimseqdacen yezmer ad ttwafken i yimeẓla nniḍen war tamaziɣt n uselken. Ihi, ilzem ad nḥadd iman-nneɣ ɣef yisefka-nneɣ.
- Asurif ifrawan: Aselken n waṭṭas n yisurifen deg wakud amecṭuḥ yezmer ad yessiweḍ ɣer usurif ifrawan, ayen i d-yessinigen aḍru n uselki.
- Tixerrubt n tuddsa: Kra n yimeẓla ttraǧun ad beddlen iswiyen n tedrimt n ufus, ayen i d-yettaken uffir deg tuddsa nsen.
- Idrimen n uffir: Idrimen n ubdad, idrimen n usellek, d yidrimen n usellek zdat yezmer ad ttwaffren deg uselken, ayen i d-yettales azal n usurif.
Tasmert n Tdukli d Usukkes Afraran
Tameɣra n tilifun d internet deg Merruk d ayen i d-yefkan tazwara i uselken afraran. Aṭṭas n yimacinin sseqdacen isekles afraran i wakken ad ḥesben aseggem n uselken n yimdanen, s useqdec n yisefka n telkum d twankin. Isendyaq n tedrimt n ufus (mobile money wallets) gan d allalen imeqqranen i usellek n yidrimen i yimseqdacen.
Bank Al-Maghrib tella tesseggid iswiyen i wakken ad tessefti aseggem n tdukli tadrimt deg Merruk, s useqdec n "Afraran n Merruk 2030". Ayagi ad d-yefk tazwara i usnerni n uselken afraran deg Merruk.
Imsentel n Tmazgert d Wazal n Zdat
Tamazgert n uselken afraran deg Merruk tella tesseggid deg tmeɣra tameqqrant. Yettraju ad d-tili tmeɣra n yimseqdacen d usnerni n tdukli tadrimt deg Merruk. Aseggem n tuddsa n Bank Al-Maghrib ad d-yefk tifrat i tmazgert, ayen i d-yettraju ad d-yawi isurifen ifessasen d twuriyin ifessasen.
Daɣen, yettraju ad d-tili tmeɣra n wemgaru gar yimeẓla, ayen i d-yettraju ad d-yawi isurifen ifessasen d twuriyin ifessasen i yimseqdacen. Amwali n yisenfaren n iselken islem, am Murabaha, yezmer ad d-yawi asnerni n tmazgert.
Isenfaren Imuhimen i Yimseqdacen
Iwakken ad ḥadren iman-nsen imseqdacen deg tmazgert n uselken afraran, ilzem ad sseqdacen isenfaren-agi:
- Asekted n yidrimen n usurif: Zdat n uselken n usurif, ilzem ad tḥesbeḍ aseggas n twuriyin i wakken ad twaliḍ azal n usurif. Mgarad gar yimeẓla i wakken ad twaliḍ anwa i d-yettaken azar ifessasen.
- Asenqed n tuddsa: Ḥeqqeḍ d akken ameẓla yettunefk s Bank Al-Maghrib neɣ s tuddsa n tmeẓli. Beddel imeẓla ur yettunefk ara imi yezmer ad d-yawi tiwaɣiyin.
- Asellek s yiwen wasurif: Selkeḍ seg yiwen wasurif deg wakud amecṭuḥ i wakken ad tḥeḍreḍ iman-ik ɣef yisurifen ifrawanen. Aselken n waṭṭas n yisurifen yezmer ad yessiweḍ ɣer uselki.
- Aseqdec n internet yettwammen: Sseqdec internet yettwammen deg wakud n KYC d yisurifen n yidrimen. Ayagi ad yeḥrez isefka-nnek ɣef uselken.
- Asellek deg wakud: Selkeḍ isurifen-nnek deg wakud i wakken ad tesseɣleḍ idrimen n twuriyin. Asellek zdat yezmer ad yessali azal n twuriyin n usurif.
Isenfaren-agi ad ḍefren amanay n tmazgert n uselken afraran deg Merruk, d ad ḥadren imseqdacen ɣef tiwaɣiyin i yezmer ad d-yawi. Ihi, ilzem ad nessenqed d ad nḥesbeḍ zdat n uselken n usurif.
