{"id":7293,"date":"2020-07-10T11:30:59","date_gmt":"2020-07-10T10:30:59","guid":{"rendered":"https:\/\/www.microfinanza.com\/une-nouvelle-collaboration-entre-ciwa-et-microfinanza\/"},"modified":"2020-07-10T11:34:10","modified_gmt":"2020-07-10T10:34:10","slug":"une-nouvelle-collaboration-entre-ciwa-et-microfinanza","status":"publish","type":"post","link":"https:\/\/www.microfinanza.com\/fr\/une-nouvelle-collaboration-entre-ciwa-et-microfinanza\/","title":{"rendered":"Une nouvelle collaboration entre CIWA et Microfinanza"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb3.22&Prime; custom_margin=\u00a0\u00bb0px||0px\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px\u00a0\u00bb fb_built=\u00a0\u00bb1&Prime; bb_built=\u00a0\u00bb1&Prime; _i=\u00a0\u00bb0&Prime; _address=\u00a0\u00bb0&Prime;][et_pb_row use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb1&Prime; module_class=\u00a0\u00bb et_pb_row_fullwidth\u00a0\u00bb _builder_version=\u00a0\u00bb3.25&Prime; width=\u00a0\u00bb100%\u00a0\u00bb width_tablet=\u00a0\u00bb100%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb max_width=\u00a0\u00bb100%\u00a0\u00bb max_width_tablet=\u00a0\u00bb100%\u00a0\u00bb max_width_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px|\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px|\u00a0\u00bb make_fullwidth=\u00a0\u00bbon\u00a0\u00bb _i=\u00a0\u00bb0&Prime; _address=\u00a0\u00bb0.0&Prime;][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb3.25&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb _i=\u00a0\u00bb0&Prime; _address=\u00a0\u00bb0.0.0&Prime; custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_post_title meta=\u00a0\u00bboff\u00a0\u00bb featured_placement=\u00a0\u00bbbackground\u00a0\u00bb _builder_version=\u00a0\u00bb3.19.17&Prime; title_text_color=\u00a0\u00bb#ffffff\u00a0\u00bb use_background_color_gradient=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_start=\u00a0\u00bbrgba(0,0,0,0.5)\u00a0\u00bb background_color_gradient_end=\u00a0\u00bbrgba(0,0,0,0.5)\u00a0\u00bb background_color_gradient_direction=\u00a0\u00bb360deg\u00a0\u00bb background_color_gradient_start_position=\u00a0\u00bb40%\u00a0\u00bb background_color_gradient_overlays_image=\u00a0\u00bbon\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb100px||100px\u00a0\u00bb _i=\u00a0\u00bb0&Prime; _address=\u00a0\u00bb0.0.0.0&Prime;][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb3.22&Prime; fb_built=\u00a0\u00bb1&Prime; bb_built=\u00a0\u00bb1&Prime; _i=\u00a0\u00bb1&Prime; _address=\u00a0\u00bb1&Prime;][et_pb_row _builder_version=\u00a0\u00bb3.25&Prime; background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb _i=\u00a0\u00bb0&Prime; _address=\u00a0\u00bb1.0&Prime;][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb3.25&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb _i=\u00a0\u00bb0&Prime; _address=\u00a0\u00bb1.0.0&Prime; custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb3.28&Prime; hover_enabled=\u00a0\u00bb0&Prime; _i=\u00a0\u00bb0&Prime; _address=\u00a0\u00bb1.0.0.0&Prime;]<\/p>\n<p>Aujourd\u2019hui encore au Maroc, plus de 70% de la population n\u2019a pas acc\u00e8s \u00e0 un compte bancaire<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a> Autant de personnes qui ne pourraient peut-\u00eatre pas saisir une opportunit\u00e9 professionnelle ou personnelle si elle se pr\u00e9sentait \u00e0 eux. Autant de personnes qui devraient avoir recours \u00e0 un emprunt informel et on\u00e9reux si elles devaient faire face \u00e0 une d\u00e9pense impr\u00e9vue.<\/p>\n<p>L\u2019exclusion financi\u00e8re emp\u00eache les individus de sortir du cercle vicieux de la pauvret\u00e9. Elle concerne particuli\u00e8rement les personnes souffrant d\u2019autres discriminations, telles que les jeunes, les femmes ou les habitants des zones rurales, renfor\u00e7ant ainsi les in\u00e9galit\u00e9s d\u00e9j\u00e0 existantes.<\/p>\n<p><a href=\"https:\/\/www.ciwa.io\/\" target=\"_blank\" rel=\"noopener noreferrer\">CIWA<\/a> et Microfinanza sont deux structures qui \u0153uvrent pour l\u2019inclusion financi\u00e8re au Maroc, CIWA \u00e0 travers ses plateformes digitales\u00a0: solution de\u00a0tontines (dar\u2019t ou 9or3a en darija) donnant aux utilisateurs la possibilit\u00e9 de g\u00e9rer et de s\u00e9curiser leur \u00e9pargne et leur cr\u00e9dit avec leurs communaut\u00e9s, solution d\u2019\u00e9ducation financi\u00e8re destin\u00e9e aussi bien \u00e0 une population illettr\u00e9e qu\u2019une population alphab\u00e8te, et Ciwa Score, un algorithme de scoring qui permet de pr\u00e9qualifier la population exclue et l\u2019inclure dans le monde de la finance formelle \u00a0; Microfinanza en accompagnant les institutions de microfinance dans la conception de leurs produits financiers et en organisant des formations d\u2019\u00e9ducation financi\u00e8re \u00e0 destination des populations les plus vuln\u00e9rables. Ces deux structures ont d\u00e9cid\u00e9 de mettre en commun outils et comp\u00e9tences afin d\u2019\u00e9laborer des solutions innovantes permettant \u00e0 un plus grand nombre de marocains et marocaines d\u2019avoir acc\u00e8s \u00e0 des services financiers adapt\u00e9s \u00e0 leurs besoins et leurs capacit\u00e9s.<\/p>\n<p>Les trois axes d\u2019intervention sont les suivants\u00a0: \u00e9ducation financi\u00e8re\u00a0; utilisation d\u2019outils digitaux de suivi des transactions menant \u00e0 la cr\u00e9ation d\u2019historiques de cr\u00e9dit pour les individus jusqu\u2019ici exclus du syst\u00e8me formel\u00a0; et renforcement de l\u2019interop\u00e9rabilit\u00e9 entre les diff\u00e9rents acteurs du syst\u00e8me financier.<\/p>\n<p>Cette collaboration permettra de cr\u00e9er des synergies et d\u2019\u0153uvrer ensemble pour l\u2019inclusion financi\u00e8re et contre la pauvret\u00e9 au Maroc.<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> Global findex database, 2017<\/p>\n<p>[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/www.microfinanza.com\/wp-content\/uploads\/2020\/07\/CIWA-3.png\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.ciwa.io\/\u00a0\u00bb url_new_window=\u00a0\u00bbon\u00a0\u00bb _builder_version=\u00a0\u00bb3.28&Prime; _i=\u00a0\u00bb1&Prime; _address=\u00a0\u00bb1.0.0.1&Prime;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aujourd\u2019hui encore au Maroc, plus de 70% de la population n\u2019a pas acc\u00e8s \u00e0 un compte bancaire[1] Autant de personnes qui ne pourraient peut-\u00eatre pas saisir une opportunit\u00e9 professionnelle ou personnelle si elle se pr\u00e9sentait \u00e0 eux. Autant de personnes qui devraient avoir recours \u00e0 un emprunt informel et on\u00e9reux si elles devaient faire face [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":7283,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[26],"tags":[],"class_list":["post-7293","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"_links":{"self":[{"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/posts\/7293","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/comments?post=7293"}],"version-history":[{"count":0,"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/posts\/7293\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/media\/7283"}],"wp:attachment":[{"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/media?parent=7293"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/categories?post=7293"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.microfinanza.com\/fr\/wp-json\/wp\/v2\/tags?post=7293"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}