Tamweelcom

Aɣawas Amenzu n Tamwilcom d Umzruy-ines deg Murakuc

Tamwilcom, s yisem-ines aẓerfan Caisse Centrale de Garantie (CCG), d agerram n usekkert d uḥraz n Murakuc yettwaḥrazen sɣur udabu. Yella yettwasebded deg useggas n 1960, syin tuɣal Tamwilcom deg 2010. D nettat i yesnernayen abrid i usekkert n yedrimen i timuɣliwin timeẓyanin d tlellayin (MSMEs), s useqdec n igelda n uḥraz, igelda n usekkert srid, d wayla n yisedduyen. Deg useggas n 2024, Tamwilcom tessuɣal-d azal n 47.5 n imelyan n idrimen n Murakuc (MAD) deg usekkert, ayen i d-yesbinen adigan-ines amezwru deg usnerni adamsan n Murakuc.

Ismawen Iẓerfanen d Usebded

Tamwilcom d tamuɣli tagraremt tasuddimt (Société Anonyme) i yettwasebden sɣur aẓerf asuddim n Murakuc. Tettwaḍfar sɣur Aneggaru n Tedamsa d Tedrimt, d ula d Bank Al-Maghrib i tt-yettaḍfaren. Tamuɣli-a tettwazdeɣ deg Centre d’affaires, Boulevard Ar-Riyad, deg Rbaṭ. S yiseḍru-ines, Tamwilcom d nettat i d tagemmunt n udabu i yettḥarayen asegur n tedrimt.

Amzruy d Wayla

Tella Tamwilcom tettwasebded deg 1960 d tagemmunt n uḥraz n udabu. Deg 2010, tuɣal Tamwilcom, tettwamlell deg usekkert n temuɣliwin timeẓyanin d tlellayin (MSMEs). D udabu n Murakuc i tt-yesɛan s 100%, s waḍfar n Aneggaru n Tedamsa d Tedrimt d ula d Bank Al-Maghrib.

Aɣawas Amahil d Yimezdaɣ Imuɣliyen

Aɣawas n Tamwilcom yettmeslay ɣef tlata n tɣawsiwin timezwura:

• Igelda n Uḥraz ("Damane"): Leḥḥun s 50% ar 80% n usekkert n tasuddimt i yimuɣliyen i yettwaḥqaqen, s wakka, tesseɣlay tzemmart n usenger i yisuddimen, ayen i d-yesmussay asegkri n tasuddimt.
• Asekkert Srid: Yettwaɛṭa srid akked isuddimen imsikiyen, s imeḍqan n useɣli i iswiren imezwura (am snat n tnezduɣt, tafellaḥt, asizdeg n waman...).
• Azdarf n Timuɣliwin Timaynutin: Yettak azdarf amenzu i timuɣliwin timaynutin (startups) d tid yettmeslayen ɣef iswiyen imaynuten.

Imezdaɣ imuɣliyen n Tamwilcom d timuɣliwin timeẓyanin d tlellayin, timuɣliwin timaynutin, d tid n umennuɣ, deg akk timiwa n Murakuc.

Igelda n Usekkert d Uḥraz n Tamwilcom

Tamwilcom tesseḥḍir-d igelda yessefkamen i waṭas n yimezdaɣ imuɣliyen, s umata i timuɣliwin timeẓyanin d tlellayin. Igela-a mgaraden gar uḥraz n usekkert d usekkert srid.

Igelda n Usekkert d Uḥraz

• Damane TL (Aḥraz n Usekkert Amezwaru):
  • Aḥraz: 50% ar 80% n usekkert amezwaru.
  • Aswir: Igeddiyen n yisedduyen.
• Damane DC (Aḥraz n Usekkert n Umahil):
  • Aḥraz: Ar 70%.
  • Aswir: Imeḍqan n uzdarf n umahil (working capital).
• Asekkert Srid n Tamwilcom:
  • Asekkert amecṭuḥ: 100 000 MAD (azal n 10 000 USD).
  • Asekkert ameɣlal: 5 n yimelyan n MAD (azal n 500 000 USD).
  • Asegli (APR): 5.5% ar 8%.
  • Tazwart: 1 ar 7 n yiseggasen.
  • Isɣalen: Aseggem amenzu 1%, aseqdec 0.5%, isɣalen n uɣeddar 2% deg waggur.
  • Aḥraz: Aẓeṭṭa n wayla neɣ aseqdec n yedrimen i d-yettasen.
• Innov’Invest (Azdarf n Timuɣliwin Timaynutin):
  • Isedduyen: 500 000 ar 3 n yimelyan n MAD deg azdarf.
  • Iselɣa: Isireg n tezmart, aseqdec n azdarf.

Asegli d Isɣalen

Asegli d isɣalen deg Tamwilcom mgaraden s umata ɣef iswir n usekkert d umuɣli. Imeḍqan iseggaren deg igelda n uḥraz d usekkert srid:

• Igelda yettwaḥrazen s isuddimen imsikiyen: Asegli n 4.5% ar 7% (5.5% ar 8% APR). Iswiren yettwaḥrazen s udabu zemren ad ilin s usegli amecṭuḥ.
• Iswiren ur yettwaḥrazen: Asegli ar 9% APR.

Isɣalen n Tamwilcom:

• Aɣaram n uḥraz: 0.75% ar 1.25% deg useggas ɣef usekkert i yettwaḥrazen.
• Aɣaram n useggem amenzu: 1% n usekkert.
• Aɣaram n usileɣ: 0.5% n usekkert.
• Aɣaram n uɣeddar: 2% deg waggur ɣef yedrimen i yettwaɣeddan.

Imeḍqan n Uruḥḥu d Uḥraz

Tazwart n uruḥḥu n usekkert tga gar 12 d 84 n wagguren. Yella-d ula d tallit n trusi ar 12 n wagguren i yisedduyen. Ma d aḥraz, aḥraz n Tamwilcom yesseɣlay deg tzemmart n uḥraz i yettwaḍfaren sɣur tasuddimt s 50% ar 80%. Aḥraz i d-yeggaren yezmer ad yili s uẓeṭṭa n tmurt, aseqdec n yedrimen i d-yettasen, neɣ aẓeṭṭa n igeddiyen.

Abrid n Usileɣ, Afeggag n tfunsit d Tamussni n Umezdaɣ

Abrid n usileɣ n usekkert deg Tamwilcom yeḍfar aɣawas iḥeḍran, yezmer ad yili s waṭas n tarrayin. Ma d afeggag n tfunsit, Mazal ur d-yeffiɣ ara srid, maca Tamwilcom tettekkat ɣef usnerni n usileɣ n waṭas.

Tarrayin n Usileɣ

• Asileɣ s usileɣ n waṭas: Yezmer yiwen ad yefsi asileɣ amenzu srid deg usileɣ n Tamwilcom (tamwilcom.ma).
• Isentiyen: Yella-d wemḍan n isentiyen n Tamwilcom deg akk timiwa n Murakuc i usileɣ srid.
• Isuddimen imsikiyen: Yezmer yiwen ad yessegmi asileɣ-ines s isuddimen imsikiyen i yettmeslayen akked Tamwilcom.

Imeḍqan n Usileɣ

Imi Tamwilcom tefka asegkri i timuɣliwin, imeḍqan n usileɣ d iknuzen i tmuɣliwin. Ger-asen:

• Tizmilin n unegmar (ID).
• Asfaylu n ujenwi n unezduɣ.
• Isfayluyen idrimen.
• Tizmilin n tgerda.

Aseqdec n Bank Al-Maghrib i KYC (Know Your Customer) d isileɣ n umennuɣ d useɣli n yedrimen yettwaḥqaqen srid.

Aseqdec n Waṭas d Afeggag n Tfunsit

Afeggag n Tamwilcom (mobile app) i yezmer ad yili deg Android d iOS mazal ur d-yeffiɣ ara srid deg useggas n 2025, maca d yiwet n tmuɣli deg ugbur n Tamwilcom i useggas n 2025. Alamma d tura, asileɣ n Tamwilcom deg usileɣ n waṭas yefka tamussni i useggem n igelda d usileɣ amenzu s e-KYC pre-screening.

Aẓerf d Udigan n Tamwilcom deg Usqamu

Tamwilcom d agerram n udabu, ayen i tt-yettaḍfaren sɣur iswiren n uẓerf d usileɣ iḥeḍranen deg Murakuc.

Aẓerf d Waḍfar

Tamwilcom tettwaḍfar sɣur aẓerf asuddim n Murakuc am tagemmunt n tedrimt tagraremt. Tettwaḍfar sɣur Bank Al-Maghrib d Aneggaru n Tedamsa d Tedrimt. Tefka asegkri i uẓerf n umennuɣ d useɣli n yedrimen (Law 43-05) d ula i iswiren n Basel Committee.

Adigan deg Usqamu d Imsukkiyen

Tamwilcom d nettat i d tagemmunt n uḥraz n usekkert tameqqrant deg Murakuc, tesseɣlay azal n 60% n usqamu n uḥraz n MSMEs. Imsukkiyen-is gar-asen timuɣliwin n uḥraz timeẓyanin am Garantia, isuddimen n tzeddimt am Al Amana, d ula d isuddimen n waṭas. Tamwilcom temgarad s uḥraz n udabu d iswiren n usekkert i d-tefka.

Imeslayen n Yimezdaɣ d Tamussni n Usekkri

Imi Tamwilcom ur tesɛi ara afeggag srid, ulac imeslayen n yimezdaɣ deg usileɣ n tfunsiyin. Maca, isuddimen imsikiyen n Tamwilcom ssawalen ɣef tamussni n usileɣ i yetteɣlin ɣef 4.2/5. Imeslayen n yimezdaɣ s umata mmalen-d iswiren n usileɣ yezmer ad yili yettwaɣal s umata, d ula d imeḍqan n uḥraz i mazal d agerram i timuɣliwin timeẓyanin.

Isɣalen n Tamussni n Umezdaɣ

Tamwilcom tefka talɣa n usileɣ i yimezdaɣ, d ula d usileɣ n waṭas deg usileɣ-ines. Asegli n usileɣ yetteɣli ɣef 48 n tsaɛtin.

Asgmu i Yisegkriyen Imuɣliyen

I yimuɣliyen i yebɣan ad sqedcen Tamwilcom i usnerni n timuɣliwin-nsen, yella-d usgmu aɣarim i yezmer ad asen-yettḥader:

• Sseqdawt amezwaru n tmuɣli-nwen: Ileɣ n tmuɣli (business plan) iḥeḍran d uḥeḍran d imezwura n usileɣ n usekkert.
• Fhamt amgarad gar uḥraz d usekkert srid: Tamwilcom tefka aḥraz i yisuddimen i wakken ad fken asegkri i tmuɣliwin, d ula d asegkri srid s yisuddimen imsikiyen.
• Qqent d isuddimen imsikiyen: Imi asegkri n Tamwilcom yella s umata s yisuddimen, d agerram ad tqeḍqem d tasuddimt i wakken ad tessegmiḍt asileɣ-nwen.
• Gat d iseḍruyen n tedrimt: Asegkri yettḥadar s umata ɣef isfayluyen idrimen d uḥeḍran n yedrimen n tmuɣli-nwen.
• Seqdawt isentiyen n Tamwilcom: Ma yella tesɛaḍt tagruma deg usileɣ n waṭas, zṛawt asentiyen n Tamwilcom deg timiwa-nwen i wakken ad d-talemt asgmu srid.

S umata, Tamwilcom d agerram ameɣlal i yimuɣliyen deg Murakuc, d nettat i yesnernayen abrid i usekkert n yedrimen i usnerni adamsan. Aseqdec n igelda-ines yesseḥḍiren d uḥeḍran n isfayluyen yezmer ad yili d amezwru i umuɣli yebɣan ad yesnerni tamuɣli-ines.