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    This document is a thesis on participative finance in Morocco. It includes an introduction outlining that participative banks refuse interest (RIBA) and are based on Sharia principles. The methodology section details a study on the current state and development prospects of participative finance. Results show the market share of participative finance is growing due to an expanding branch network and increased accessibility of services. Key success factors include evolution of the ecosystem and a flexible regulatory environment. The conclusion discusses perspectives such as growth of Islamic financial institutions, increased use of profit and loss sharing models, and client satisfaction. Recommendations focus on educating consumers, improving marketing strategies, and conducting market research on customer needs and problems.

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    Pfe FP au maroc

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    PRESENTATION PFE

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    This document is a thesis on participative finance in Morocco. It includes an introduction outlining that participative banks refuse interest (RIBA) and are based on Sharia principles. The methodology section details a study on the current state and development prospects of participative finance. Results show the market share of participative finance is growing due to an expanding branch network and increased accessibility of services. Key success factors include evolution of the ecosystem and a flexible regulatory environment. The conclusion discusses perspectives such as growth of Islamic financial institutions, increased use of profit and loss sharing models, and client satisfaction. Recommendations focus on educating consumers, improving marketing strategies, and conducting market research on customer needs and problems.

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    3 views14 pages

    Presentation Pfe

    Uploaded by

    Choaib Mounjim
    This document is a thesis on participative finance in Morocco. It includes an introduction outlining that participative banks refuse interest (RIBA) and are based on Sharia principles. The methodology section details a study on the current state and development prospects of participative finance. Results show the market share of participative finance is growing due to an expanding branch network and increased accessibility of services. Key success factors include evolution of the ecosystem and a flexible regulatory environment. The conclusion discusses perspectives such as growth of Islamic financial institutions, increased use of profit and loss sharing models, and client satisfaction. Recommendations focus on educating consumers, improving marketing strategies, and conducting market research on customer needs and problems.

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    of 14

    MÉMOIRE DE FIN D’ETUDE

    Pour l’obtention de la licence fondamentale


    En
    Science Economiques et de Gestion
    Sous le thème

    L A F I N A N C E PA RT I C I PAT I V E A U M A R O C

    Encadré par: Réalisée par: Membre du Jury:


     Mr. MESKAF ADIL  MOUNJIM CHOUAIB  Mr. EL KANDILI MOHAMED
     MOURAD NAWAL  Mr. MESKAF ADIL
     MOURCHID MERYEM
     NACHATE AMAL

    Année universitaire: 2022/2023 1


    PLAN

    2
    17/07/2023 La finance participative au Maroc
    ETUDE METHODOLOGIE
    INTRODUCTION CONCLUSION
    THEORIQUE & RESULTATS

    • Les banques participatives refusant la pratique des intérêts ou RIBA.

    • Elle est fondée par les principes de la CHARIA.

    • Notre présentation s’articule autour d’une


    problématique concernant l’état des lieux
    de la finance participative et ses
    perspectives de développement.
    3
    17/07/2023 La finance participative au Maroc
    ETUDE METHODOLOGIE
    INTRODUCTION CONCLUSION
    THEORIQUE & RESULTATS

    Produits
    Relatifs Aux
    MOUDARABA Opérations MOUCHARAKA
    Participatives

    MOURABAHA Produits SALAM


    Relatifs Aux
    Opérations
    IJARA Commerciales ISTISNAA

    17/07/2023 La finance participative au Maroc 4


    ETUDE METHODOLOGIE
    INTRODUCTION CONCLUSION
    THEORIQUE & RESULTATS

    Partage des
    profits et des
    pertes

    Interdiction
    Interdiction
    de la
    d’intérêt
    spéculation
    (RIBA) Principes de (MAYSIR)
    la finance
    participative

    Interdiction Interdiction
    des de
    investissement l’incertitude
    s illicites (GHARAR)
    17/07/2023 La finance participative au Maroc 5
    ETUDE METHODOLOGIE
    INTRODUCTION CONCLUSION
    THEORIQUE & RESULTATS

    LES RISQUES

    Risques Liés à La Finance Participative

    Juridique Fiduciaire Commercial Religieux

    17/07/2023 La finance participative au Maroc 6


    ETUDE METHODOLOGIE
    INTRODUCTION CONCLUSION
    THEORIQUE & RESULTATS

    PART DE MARCHÉ EN ÉVOLUTION

    Réseau d’Agences
    Plus d’Accessibilité
    aux services

    Clientèle
    Tendance à La
    Hausse
    Financement
    7
    17/07/2023 La finance participative au Maroc
    ETUDE METHODOLOGIE
    INTRODUCTION CONCLUSION
    THEORIQUE & RESULTATS

    01 Ecosystème en Evolution
    FACTEURS CLES
    DE SUCCES 02 Réglementation Flexible

    17/07/2023 La finance participative au Maroc 8


    ETUDE METHODOLOGIE
    INTRODUCTION CONCLUSION
    THEORIQUE & RESULTATS

    METHODOLOGIE

    Elaboration Administratio
    Contexte de Diffusion du
    du n du
    l'Enquete Questionnaire
    Questionnaire Questionnaire

    17/07/2023 La finance participative au Maroc 9


    ETUDE METHODOLOGIE
    INTRODUCTION CONCLUSION
    THEORIQUE & RESULTATS

    RESULTATS

    17/07/2023 La finance participative au Maroc 10


    ETUDE METHODOLOGIE
    INTRODUCTION CONCLUSION
    THEORIQUE & RESULTATS

    RESULTATS (suite)

    17/07/2023 La finance participative au Maroc 11


    ETUDE METHODOLOGIE
    INTRODUCTION CONCLUSION
    THEORIQUE & RESULTATS

    PERSPECTIVES

    01. 02. 03.


    • Les institutions • Utilisation du • La satisfaction
    bancaires principe du des clients.
    islamiques. financement
    participatif.

    17/07/2023 La finance participative au Maroc 12


    ETUDE METHODOLOGIE
    INTRODUCTION CONCLUSION
    THEORIQUE & RESULTATS

    RECOMMENDATIONS

    Formation des consommateurs à propos des offres islamiques 01

    Améliorer la stratégie Marketing de commercialisation de tous les produits &


    services 02

    Faire une étude de marché sur les besoins et les problèmes des consommateurs 03

    17/07/2023 La finance participative au Maroc 13


    MERCI POUR VOTRE ATTENTION

    14

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