Bank n Tfriqt (BOA), i yellan d yiwet n tɣankit n Murukuc i yezgan deg waṭlas n tɣankanin n Tefriqt, teqqen aṭas n yizerfan i yimezdaɣen n Murukuc. Taghankit-agi, i yebdan s yisem n Banque Marocaine du Commerce Extérieur (BMCE) deg useggas n 1959, tbeddel isem-is ar BOA deg 2020. Tettak-d iɣerbazen n usmekti n idrimen, n tigmmi, d yidrimen n timzgida, s ufus adigital d tḥanutin i yezgan deg yal amkan n Murukuc.
Aẓẓay d Tiɣewsiwin n Bank n Tfriqt deg Murukuc
Bank n Tfriqt d taghankit tameqqrant deg Murukuc, tesɛa aẓẓay ameqqran deg umezruy d waṭas n yimsegganen, gar-asen Othman Benjelloun d Crédit Mutuel Alliance Fédérale. Deg useggas n 2024, tessaweḍ ad tessebgen afay ameqqran n 8.3 imelyunen n idrimen n Murukuc (MAD) deg ufay n tɣankit, d 1.9 imelyunen n idrimen n Murukuc deg ufay agraɣlan. Ayagi yesban-d amek i tessaweḍ taghankit-agi ad tessaweḍ i yirbaḥen d usnulfu deg ssuq n Murukuc.
Iɣerbazen n usmekti n idrimen i yettak BOA
Bank n Tfriqt tegguggul aṭas n tɣawsiwin n usmekti i yimezdaɣen d timzgida:
- Asmekti n yiman (Crédit Immédiat):
Asmekti-agi yettunefk i wakken ad d-tesseɣdem yiɣerbazen n yiman-ik, am tmesganin n tneqqasin neɣ aɣerbaz.- Amḍan n usmekti: Yezmer ad yaweḍ ar MAD X.
- Ugudil: Yebda seg wazal n ~7.5% i yal aseggas.
- Akud n uɣella: Gar 12 d 83 n wagguren.
- Iɣarasen: Gar 1% d 2% n umḍan n usmekti i tbaduṛt, d iɣarasen n uɣella n yimalasen.
- Asurif: Ur yettwaṭṭaf ara usurif i usmekti n yiman i yellan ddaw n umḍan i yettunefken.
- Asmekti n tigmmi (Crédit Habitat):
Asmekti-agi yettunefk i wakken ad d-taɣeḍ axxam, ad tḥeddem, neɣ ad tesnulfu deg uxxam-ik.- Amḍan n usmekti: Yezmer ad yaweḍ ar 80% n wazal n tigmmi; amḍan amecṭuḥ d MAD 100,000.
- Ugudil: Gar 4.2% d 6.5% i yal aseggas; APR gar 5% d 7%.
- Akud n uɣella: Gar 5 d 25 n yiseggasen.
- Iɣarasen: Iɣarasen n usḥennec (MAD X), d wakud n uɣella (MAD X).
- Asurif: Ad tili tigmmi-inek d asurif i usmekti.
- Asmekti n timzgida d usmekti n yisefra:
Taghankit tettekkay deg usnulfu n timzgida s usmekti n idrimen i yisefra, i wakken ad tili deg tẓuri neɣ ad d-terẓem timzgida.- Asmekti n idrimen n tmussni: Iɣella n uxeddim, asmekti s wakud ar MAD 50 imelyunen.
- Asmekti n yisefra: Asmekti n tmeskanin neɣ n tmesganin; akud gar 2 d 7 n yiseggasen.
- Ugudil d yismawen: Mgaraden s wazal n usmekti; gar 6% d 10% i yal aseggas.
- Asmekti imsihli:
Gar-asen asmekti azeqqa (GEFF) i yisefra n usnulfu yelhan, s usḥennec n EBRD/GCF. D asmekti n tmesganin s umḍan amecṭuḥ n MAD 30,000 d ugudil n ~9% i yal aseggas.
Ugudil, Iɣarasen d Yismawen
Anazal n ugudil d iɣarasen n Bank n Tfriqt mgaraden s umḍan n usmekti d wazal-is:
- Iɣarasen n tbaduṛt: Gar 1% d 2% n umḍan n usmekti.
- Iɣarasen n uɣella: MAD X-X.
- Iɣarasen n uɣella s uferra: 0.5% i yal aggur n umḍan i yettwaɣellin, s MAD 100 i yal ass.
Asurif yezmer ad yili d tigmmi i usmekti n tigmmi, neɣ d isefra i usmekti n timzgida. Ma d asmekti n yiman ddaw n umḍan i yettunefken, ur yettwaṭṭaf ara usurif.
Tafada n Usmekti d Asnulfu Adigital
Bank n Tfriqt tesɛa tifadiwin yelhan i usmekti, s ufus adigital neɣ s tḥanut:
Tifadiwin n Usḥennec
- Adigital:
- Tafyirt n telfunt (BOA Mobile): Tezga-d deg iOS d Android, tesɛa anazal n 4.2/5, tegguggul-d iɣerbazen n uɣella n yimalasen, asḥennec n usmekti, d usḥennec n yisefra.
- Tinegguriyin n Internet: creditdaba.ma (i yimezdaɣen), credithabitat.ma (i tigmmi).
- S tɣawsa: Ugar n 400 n tḥanutin deg yal amkan n Murukuc; 90 n tḥanutin n yimukan; isental n usmekti yettunefken 7 n wussan deg umalas.
Asḥennec d Uɣella n Usmekti
Asḥennec n usmekti yettili s ufus adigital neɣ s tḥanut, s usseqdac n yisefra n umkan-ik d isfra n usmekti n yidrimen. Taghankit tesɛa azel n usmekti i yettmeslayen d umkan n Bank Al-Maghrib i wakken ad tili deg usmekti n umeksa n idrimen.
Asnulfu n Tfyirt n Telfunt (BOA Mobile)
Tafyirt n telfunt n Bank n Tfriqt, i yellan deg iOS d Android, tegguggul aṭas n tɣawsiwin:
- Aɣella n yimalasen.
- Isḥencen n usmekti.
- Amkan n tḥanutin d yisem.
Tesɛa anazal n 4.2/5 deg Android d 4.1/5 deg iOS, ayagi yesban-d amek i tḥemmel tefyirt-agi deg yimezdaɣen.
Amkan n Udabu d Umezruy deg Ssuq
Bank n Tfriqt tella ddaw n unazal n Bank Al-Maghrib, taghankit tamaynut n Murukuc. Teqqen i yizerfan n AML/CFT n Murukuc, d tteḍra i yizerfan n Bank Al-Maghrib i wakken ad tili deg umkan yelhan.
Amkan deg Ssuq d Imsijlen
Bank n Tfriqt tella deg umkan wis 3 deg Murukuc s 8.5% n umḍan n yidrimen n tɣankanin. Imsijlen n Bank n Tfriqt deg Murukuc d Attijariwafa Bank, Banque Populaire, d BMCI.
Amezruy n Bank n Tfriqt:
Aẓẓay deg Tefriqt: Tesɛa aẓẓay ameqqran deg 32 n yimezgan n Tefriqt, ayagi yettak-as azal ameqqran.
Asnulfu Adigital: Tettak aṭas n tɣawsiwin s ufus adigital, am tefyirt n telfunt d tinegguriyin n Internet.
Asmekti Azeqqa: Tettmeslay d EBRD deg yisefra n usmekti azeqqa, ayagi yettak-as azal ameqqran.
Tiwzarin n Isuta d Anasiḥ i Yal Aɛraḍ
Imezdaɣen n Bank n Tfriqt ttekkayen aṭas deg tewzarin n tefyirt n telfunt. Anazal n 4.2/5 deg iOS d 4.1/5 deg Android yesban-d amek i tḥemmel tefyirt-agi. Maca, kra n yimezdaɣen ttḥekkun deg wakud n uɣella n usmekti d wakud n uɣella deg tḥanutin.
Anasiḥ i yal aɛraḍ n usmekti:
Ma yella tḥeḍrem i usmekti n Bank n Tfriqt, ad tili deg umkan yelhan s usmekti n yidrimen n usmekti d wazal-is.
- Ssenqdet ismawen d yisefra: Qbel ad tḥeḍrem i usmekti, ssenqdet ismawen n usmekti, ugudil, d iɣarasen. Qqen imyagen-ik, d wakud n uɣella n umkan n usmekti.
- Mgarad gar ugudil: Ssenqdet ugudil d iɣarasen n Bank n Tfriqt d tid n tɣankanin nniḍen i wakken ad tili deg umkan yelhan.
- Qqen iɣarasen n uɣella: Ssenqdet iɣarasen n uɣella n usmekti, gar-asen iɣarasen n tbaduṛt, iɣarasen n uɣella, d iɣarasen n uɣella s uferra.
- Qqen asurif: Ma yella d asmekti n tigmmi neɣ n timzgida, ssenqdet asurif i yettwaṭṭafen.
- Sseqdac tefyirt n telfunt: Tafyirt n BOA Mobile tegguggul aṭas n tɣawsiwin i wakken ad tili deg umkan yelhan s usmekti-inek d uɣella n yimalasen.
- Qqen i usmekti s uḥulfu: Qqen i usmekti s uḥulfu i wakken ad tili deg umkan yelhan s usmekti-inek d uɣella n yimalasen. Ur tḥeḍrem ara i umḍan n usmekti i yezmer ad yaweḍ ar uɣella n yimalasen.
Bank n Tfriqt d yiwet n tɣankit tameqqrant deg Murukuc, tesɛa aṭas n tɣawsiwin n usmekti d usnulfu adigital. S usseqdac n yisefra d unasiḥ-agi, ad tili deg umkan yelhan i wakken ad tili deg umkan yelhan s usmekti-inek deg Bank n Tfriqt.
