{"id":29478,"date":"2023-03-06T21:06:13","date_gmt":"2023-03-06T21:06:13","guid":{"rendered":"https:\/\/fondation-arrawaj.ma\/?page_id=29478"},"modified":"2025-07-18T15:35:57","modified_gmt":"2025-07-18T15:35:57","slug":"notre-organisation","status":"publish","type":"page","link":"http:\/\/fondation-arrawaj.ma\/ar\/notre-organisation\/","title":{"rendered":"\u0645\u0646 \u0646\u062d\u0646 \u061f"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"29478\" class=\"elementor elementor-29478\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-94003e8 mtitle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"94003e8\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-06b3426\" data-id=\"06b3426\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b55b604 mbread elementor-widget elementor-widget-text-editor\" data-id=\"b55b604\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><i style=\"margin-right: 14px;\"><img decoding=\"async\" style=\"width: 25px;\" src=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/03\/Home-2.png\" \/><\/i>Accueil &gt; D\u00e9couvrir Arrawaj &gt; Notre organisation<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-389bfb1 elementor-widget elementor-widget-heading\" data-id=\"389bfb1\" data-element_type=\"widget\" id=\"retour\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">        <i><img decoding=\"async\"  style=\"    margin-top: -3px!important;\" src=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/09\/pngwing.com-copy-1515-copy-with.png\" alt=\"\" width=\"25px\"><\/i> RETOUR<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81329a1 elementor-widget elementor-widget-heading\" data-id=\"81329a1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Notre organisation\u200e\u200e <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1215d8c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1215d8c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dae407e animated-slow dates-cles elementor-invisible\" data-id=\"dae407e\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c5627a elementor-widget elementor-widget-text-editor\" data-id=\"1c5627a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\n\n<span>La Fondation ARRAWAJ de la Finance Inclusive est une Association de Microcr\u00e9dit \u00e0 but non lucratif, r\u00e9gie par le Dahir du 15 novembre 1958 et La loi n\u00b0 18-97 relative \u00e0 l\u2019exercice de l\u2019activit\u00e9 de microcr\u00e9dit. Elle a \u00e9t\u00e9 cr\u00e9\u00e9e en 1996 et a \u00e9t\u00e9 autoris\u00e9e \u00e0 exercer les activit\u00e9s de microcr\u00e9dit par Arr\u00eat\u00e9 Minist\u00e9riel du 10 mars 2000.<\/span>\n\n<span >La Fondation ARRAWAJ a pour principal objet de contribuer \u00e0 l\u2019insertion \u00e9conomique et sociale et l\u2019inclusion financi\u00e8re des micro-entrepreneurs et tr\u00e8s petites entreprises exclus des circuits de financement classiques en leur permettant un acc\u00e8s ais\u00e9 au financement.\u00a0<\/span>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7314ed6 elementor-widget elementor-widget-heading\" data-id=\"7314ed6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les dates cl\u00e9s<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa1bcd8 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"aa1bcd8\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-35f91e6 date-cles elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"35f91e6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a8be369 animated-slow first50 date-cles-right elementor-invisible\" data-id=\"a8be369\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dcc34e8 elementor-widget elementor-widget-heading\" data-id=\"dcc34e8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2025<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a33835a date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"a33835a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Soutien aux victimes du s\u00e9isme : La Fondation Arrawaj au c\u0153ur de l\u2019\u00e9dition sp\u00e9ciale AGRs<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ca0caf date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"3ca0caf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tLa Fondation Arrawaj organise ses Journ\u00e9es Portes Ouvertes \u00e0 La\u00e2youne\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b2478f date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"3b2478f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tLa caravane \u00ab\u00a0Women in Business\u00a0\u00bb s\u2019envole vers La\u00e2youne\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05cb986 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"05cb986\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Renouvellement de cr\u00e9dit anticip\u00e9 via l&rsquo;application MADMOUN<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9c559d date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"c9c559d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tLa Fondation Arrawaj participe au SIDE 2025\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afb26f9 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"afb26f9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tLa Fondation Arrawaj s\u2019engage pour l\u2019entrepreneuriat f\u00e9minin au Technopark\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6243e60\" data-id=\"6243e60\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-07225b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"07225b6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-39031d2 first50\" data-id=\"39031d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-568cb8d animated-slow date-cles-left elementor-invisible\" data-id=\"568cb8d\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7391f43 elementor-widget elementor-widget-heading\" data-id=\"7391f43\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2024<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f04df9a date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"f04df9a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>D\u00e9veloppement du nouveau service de remboursement CNSS<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96ab9b5 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"96ab9b5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Localisation des Agences sur Google Maps\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebfa22b date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"ebfa22b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tInauguration de la direction r\u00e9gionale d\u2019El Jadida\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c603464 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"c603464\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Ouverture de Nouvelles Agences dans les Provinces du Sud (Dakhla et Laayoune)<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9404b52 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"9404b52\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tMSF et Visa : Un Partenariat pour une Inclusion Financi\u00e8re Renforc\u00e9e\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8d9268 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"e8d9268\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Inauguration de la direction r\u00e9gionale de Tanger<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-101b9b7 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"101b9b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tAlimentation par carte bancaire d\u00e9sormais sans frais \t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc84f26 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"cc84f26\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Lancement de la caravane Women in Business<\/p><p>(El Jadida &#8211; Safi &#8211; Tanger)<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0cf02e7 date-cles elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0cf02e7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0ff6b0e animated-slow first50 date-cles-right elementor-invisible\" data-id=\"0ff6b0e\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a193e4 elementor-widget elementor-widget-heading\" data-id=\"8a193e4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2023<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0fb9ac date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"e0fb9ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Ouverture de 5 nouvelles agences<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd018b2 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"fd018b2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Le Conseil d\u2019Administration de la Fondation ARRAWAJ s\u2019enrichit par la cooptation d\u2019un nouvel Administrateur ind\u00e9pendant, M. Abderrahim SAHER<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5a8abf date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"e5a8abf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Participation au programme national d\u2019aides sociales directes<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6fabb5 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"b6fabb5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Migration vers un nouveau Syst\u00e8me d&rsquo;Information<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fa59c75\" data-id=\"fa59c75\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-cd76d0f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cd76d0f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6a8b89c first50\" data-id=\"6a8b89c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0e64b35 animated-slow date-cles-left elementor-invisible\" data-id=\"0e64b35\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f9b48b3 elementor-widget elementor-widget-heading\" data-id=\"f9b48b3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2022<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f6c877 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"4f6c877\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Ouverture de l&rsquo;agence Rabat Akkari<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-566b8dc date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"566b8dc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Signature d\u2019un partenariat avec Western Union pour le d\u00e9ploiement des services de transfert d\u2019argent \u00e0 l\u2019international au niveau des agences du R\u00e9seau de la Fondation ARRAWAJ.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b1f602 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"0b1f602\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Le Conseil d\u2019Administration de la Fondation ARRAWAJ s\u2019enrichit par la cooptation d\u2019un nouvel Administrateur ind\u00e9pendant, M. Ahmed Reda Chami<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3459c4d date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"3459c4d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Lancement de plusieurs services d\u2019inclusion financi\u00e8re :\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c9e744 date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"1c9e744\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>\u2022\u00a0 Madmoun Express : service de transfert d\u2019argent Cash to Cash<\/p><p>\u2022 Paiement de factures et recharges t\u00e9l\u00e9phoniques au niveau des agences<\/p><p>\u2022 Emission et r\u00e9ception de virements bancaires \u00e0 partir ou vers le compte de paiement<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e9f009b date-cles elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e9f009b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3e4d9e9 animated-slow first50 date-cles-right elementor-invisible\" data-id=\"3e4d9e9\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fb479f elementor-widget elementor-widget-heading\" data-id=\"2fb479f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2021<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3275864 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"3275864\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tAcquisition et ouverture de nouvelles agences\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3e4fb9 date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"d3e4fb9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>La Fondation ARRAWAJ a proc\u00e9d\u00e9 \u00e0 l\u2019acquisition de 3 locaux d\u2019agences \u00e0 Rabat et Casablanca et a ouvert 4 nouvelles agences : Casablanca Jaouhara, Sal\u00e9 El Oued et Mehdia Kasbah.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a030f88 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"a030f88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Publication du Dahir n\u00b0 1-21-76 du 3 doulhija 1442 (14 juillet 2021) portant promulgation de la Loi n\u00b0 50-20 relative \u00e0 la microfinance<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87dcede date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"87dcede\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>La publication du Dahir\u00a0 met en place le cadre de la transformation des Associations de Microcr\u00e9dit en Etablissements de Cr\u00e9dit.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7b49d6b\" data-id=\"7b49d6b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-52e628d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"52e628d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-60c32ad first50\" data-id=\"60c32ad\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ad74293 animated-slow date-cles-left elementor-invisible\" data-id=\"ad74293\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f3b712 elementor-widget elementor-widget-heading\" data-id=\"5f3b712\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2020<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-085363f date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"085363f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Le Conseil d\u2019Administration de la Fondation ARRAWAJ de la Finance Inclusive s\u2019est enrichi par la cooptation de deux nouveaux Administrateurs Ind\u00e9pendants<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48f95a3 date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"48f95a3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Il s\u2019agit de Mme. Karima Benoualide et M. Said Ibrahimi.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63bd704 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"63bd704\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tAv\u00e8nement de la crise sanitaire mondiale COVID-19\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f84baba date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"f84baba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Lancement de nouveaux produits destin\u00e9s \u00e0 accompagner les clients \u00e0 traverser la crise et \u00e0 relancer leur activit\u00e9.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49d1d7a date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"49d1d7a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>La Fondation ARRAWAJ proc\u00e8de \u00e0 l\u2019acquisition de deux locaux d\u2019agences \u00e0 Bouskoura et Casablanca.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1b02d31 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b02d31\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-eaceed7 animated-slow first50 date-cles-right elementor-invisible\" data-id=\"eaceed7\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f10955e elementor-widget elementor-widget-heading\" data-id=\"f10955e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2019<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b948c1 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"0b948c1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tRehaussement du plafond du micro-cr\u00e9dit\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5363635 date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"5363635\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tPromulgation de la Loi 85\/18 pour la modification du plafond du microcr\u00e9dit pr\u00e9vu par \nla Loi n\u00b0 18\/97 de 50 000 DH\u00e0 150 000 DH pour la TPE et 100 000 DH pour l\u2019Habitat.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce45d52 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"ce45d52\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Lancement des nouveaux services d\u2019inclusion financi\u00e8re en tant que premier Agent<br \/>Principal de l\u2019Etablissement de Paiement Maymouna Services Financiers<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9826240 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"9826240\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tAlbaraka devient \u00ab Fondation Arrawaj de la Finance Inclusive \u00bb\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7479584 date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"7479584\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Une nouvelle d\u00e9nomination pour marquer le d\u00e9but d\u2019une nouvelle \u00e8re et inscrire l\u2019engagement durable de la Fondation dans le Projet National d\u2019inclusion financi\u00e8re.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-93d1a0f\" data-id=\"93d1a0f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4525454 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4525454\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8da736b first50\" data-id=\"8da736b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-644ce35 animated-slow date-cles-left elementor-invisible\" data-id=\"644ce35\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-755cb13 elementor-widget elementor-widget-heading\" data-id=\"755cb13\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2018<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b01b954 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"b01b954\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tLancement d\u2019un nouveau mod\u00e8le organisationnel de la Fondation Albaraka\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b60896e date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"b60896e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Centr\u00e9 sur le renforcement du contr\u00f4le interne aussi bien au niveau du si\u00e8ge que du r\u00e9seau, le renforcement du Middle Management et l\u2019am\u00e9lioration de la qualit\u00e9 de service.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-eb9a6dd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eb9a6dd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-03ee16b animated-slow first50 date-cles-right elementor-invisible\" data-id=\"03ee16b\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b6ef4e elementor-widget elementor-widget-heading\" data-id=\"9b6ef4e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2016<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2434c77 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"2434c77\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Lancement d\u2019une gamme de produits TPE enti\u00e8rement d\u00e9mat\u00e9rialis\u00e9e<\/p><p><br \/>Lancement du service de transfert d\u2019argent en partenariat avec Barid Cash<\/p><p><br \/>Signature d\u2019une Convention de partenariat avec Auto-Hall\/Africa Motors SA pour le financement de v\u00e9hicules utilitaire<\/p><p><br \/>Lancement d\u2019un nouveau mod\u00e8le organisationnel de la Fondation Albaraka<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c6bba8f\" data-id=\"c6bba8f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4469794 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4469794\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-027e6d0 first50\" data-id=\"027e6d0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fccaf17 animated-slow date-cles-left elementor-invisible\" data-id=\"fccaf17\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af8082a elementor-widget elementor-widget-heading\" data-id=\"af8082a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2015<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6da3bc date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"b6da3bc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tMigration vers un nouveau syst\u00e8me d\u2019information\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-754e48d date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"754e48d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>La solution Finacle d\u2019Infosys permet \u00e0 Albaraka de r\u00e9pondre aux objectifs strat\u00e9giques et automatiser un certain nombre de processus.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f79ff66 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f79ff66\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7ce0e1f animated-slow first50 date-cles-right elementor-invisible\" data-id=\"7ce0e1f\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48d1f98 date-cles-title elementor-widget elementor-widget-heading\" data-id=\"48d1f98\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2014<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70ba948 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"70ba948\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Une nouvelle d\u00e9nomination et identit\u00e9 visuelle<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd0fd70 date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"bd0fd70\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>FONDEP devient \u00ab Fondation Albaraka \u00bb et affirme sa vocation sociale \u00e0 travers sa nouvelle signature : La Finance pour le Social.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ad3ff2c\" data-id=\"ad3ff2c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1dd81c1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1dd81c1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c15af8e first50\" data-id=\"c15af8e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f66ac85 animated-slow date-cles-left elementor-invisible\" data-id=\"f66ac85\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17e63a4 elementor-widget elementor-widget-heading\" data-id=\"17e63a4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2013<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-118c63e date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"118c63e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tSignature d\u2019une Convention de Partenariat avec AXA Assurances Maroc\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ecbc2b date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"5ecbc2b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Lancement d\u2019une offre de micro-assurance qui permet de r\u00e9duire la vuln\u00e9rabilit\u00e9 des micro-entrepreneurs et de leurs familles, de s\u00e9curiser leurs revenus et de diminuer le risque de non-remboursement.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3b96bee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3b96bee\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f57c072 animated-slow first50 date-cles-right elementor-invisible\" data-id=\"f57c072\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2c2acfc elementor-widget elementor-widget-heading\" data-id=\"2c2acfc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2007<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fadf744 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"fadf744\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Modification des Articles 2 et 3 de la Loi n\u00b0 18\/97 pour \u00e9largir les activit\u00e9s des AMC \u00e0 la micro-assurance.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8b09ceb\" data-id=\"8b09ceb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-121d38c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"121d38c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7d7d45c first50\" data-id=\"7d7d45c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-806fcfd animated-slow date-cles-left elementor-invisible\" data-id=\"806fcfd\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88ad18e elementor-widget elementor-widget-heading\" data-id=\"88ad18e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2006<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c5844c date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"6c5844c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Rel\u00e8vement du plafond du microcr\u00e9dit \u00e0 50 000 DH par Arr\u00eat\u00e9 n\u00b01969-06 du minist\u00e8re des Finances et de la Privatisation<\/p><p>Cr\u00e9ation du Fonds Jaida destin\u00e9 \u00e0 faciliter l\u2019acc\u00e8s des AMC au financement<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-05198dc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05198dc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-15cf12f animated-slow first50 date-cles-right elementor-invisible\" data-id=\"15cf12f\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-638a2ce elementor-widget elementor-widget-heading\" data-id=\"638a2ce\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2004<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e25c9d2 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"e25c9d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tLancement des produits Habitat dans le cadre de la Loi n\u00b0 53-03\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae83c65 date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"ae83c65\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Les AMCs sont autoris\u00e9es \u00e0 octroyer des micro-cr\u00e9dits destin\u00e9s \u00e0 financer l\u2019acquisition, la construction et l\u2019am\u00e9lioration des logements, et leur raccordement \u00e0 l\u2019eau et l\u2019\u00e9lectricit\u00e9.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-478ca61\" data-id=\"478ca61\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-18335be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18335be\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5c46660 first50\" data-id=\"5c46660\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-49db5a1 animated-slow date-cles-left elementor-invisible\" data-id=\"49db5a1\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20831c6 elementor-widget elementor-widget-heading\" data-id=\"20831c6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2001<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6f2cb7 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"d6f2cb7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Naissance de la F\u00e9d\u00e9ration Nationale des Associations de Microcr\u00e9dit (FNAM)<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cddf207 date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"cddf207\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Conform\u00e9ment \u00e0 l\u2019Article 21 de la Loi n\u00b0 18\/97, toutes<br \/>les AMC autoris\u00e9es sont tenues d\u2019adh\u00e9rer \u00e0 la FNAM.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-19b99c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"19b99c0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ba6442d animated-slow first50 date-cles-right elementor-invisible\" data-id=\"ba6442d\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3524af2 elementor-widget elementor-widget-heading\" data-id=\"3524af2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2000<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-997ddc2 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"997ddc2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\tObtention de l\u2019Agr\u00e9ment AMC dans \nle cadre de la Loi n\u00b0 18\/97\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a19f8a1\" data-id=\"a19f8a1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c88039e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c88039e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fd7e31f first50\" data-id=\"fd7e31f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fa5db6d animated-slow date-cles-left elementor-invisible\" data-id=\"fa5db6d\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ede651d elementor-widget elementor-widget-heading\" data-id=\"ede651d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1997<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1275c80 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"1275c80\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>FONDEP autofinance ses premi\u00e8res<br \/>op\u00e9rations de microcr\u00e9dit<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-427f192 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"427f192\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-27f49b4 animated-slow first50 date-cles-right elementor-invisible\" data-id=\"27f49b4\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6ac716 elementor-widget elementor-widget-heading\" data-id=\"d6ac716\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1996<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5716194 date-cles-title elementor-widget elementor-widget-text-editor\" data-id=\"5716194\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\nNaissance de FONDEP\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3af8d97 date-cles-content elementor-widget elementor-widget-text-editor\" data-id=\"3af8d97\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Cr\u00e9ation de la Fondation pour le D\u00e9veloppement Local et le Partenariat \u00e0 l\u2019Initiative de M. Mouatassim BELGHAZI.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d4cda77\" data-id=\"d4cda77\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f42fcb1 animated-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"f42fcb1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e809bba\" data-id=\"e809bba\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c33ecb7 elementor-widget elementor-widget-heading\" data-id=\"c33ecb7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Notre organigramme<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6c835d elementor-widget elementor-widget-image\" data-id=\"d6c835d\" data-element_type=\"widget\" id=\"diagramme\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2025\/07\/Arrawaj_Organigramme-Site-Web_VF.jpg\" title=\"Fondation_Arrawaj_Organigramme_VF\" alt=\"Fondation_Arrawaj_Organigramme_VF\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-067180b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"067180b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-719fe6d\" data-id=\"719fe6d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e86e1d3 elementor-widget elementor-widget-heading\" data-id=\"e86e1d3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nos publications<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6280b32 publications elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6280b32\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-14999f5 animated-slow elementor-invisible\" data-id=\"14999f5\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21c37a3 elementor-widget elementor-widget-heading\" data-id=\"21c37a3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Lois et r\u00e9glementations<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab30edf elementor-widget elementor-widget-accordion\" data-id=\"ab30edf\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1791\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-1791\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">Projets de loi et Dahirs<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1791\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1791\"><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/11\/Recueil-des-textes-legislatifs-et-reglementaires-de-BAM-_-VF.pdf\">Recueil des textes l\u00e9gislatifs et r\u00e9glementaires r\u00e9gissant l&rsquo;activit\u00e9 des \u00e9tablissements de cr\u00e9dit et organismes similaires<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/11\/Recueil-des-textes-legislatifs-et-reglementaires-de-BAM-_-VF.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Dahir-n\u00b01-21-76-du-14-juillet-2021-portant-promulgation-de-la-loi-n\u00b050-20-relative-a-la-microfinance.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Dahir n\u00b0 1-21-76 du 3 hija 1442 (14 juillet 2021) portant promulgation de la loi n\u00b0 50-20 relative \u00e0 la microfinance<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Dahir-n\u00b01-21-76-du-14-juillet-2021-portant-promulgation-de-la-loi-n\u00b050-20-relative-a-la-microfinance.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Loi-bancaire-103-12.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Dahir \u00a0n\u00b0 <strong>1-14-193<\/strong>\u00a0du 1er rabii I 1436 ( <strong>24 D\u00e9cembre 2014<\/strong>) portant promulgation de la loi n\u00b0 103-12\u00a0relative aux \u00e9tablissements de cr\u00e9dit et organismes assimil\u00e9s.<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Loi-bancaire-103-12.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Lutte_contre_le_blanchiment_de_capitaux-loi-13-10.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">loi n\u00b0 43-05 relative \u00e0 la lutte contre le blanchiment de contre le blanchiment de capitaux \u2013 <strong>16 mai 2013<\/strong><br \/><\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Lutte_contre_le_blanchiment_de_capitaux-loi-13-10.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Dahir-1-12-54.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Dahir n\u00b0 <strong>1-12-54<\/strong> du 14 safar 1434 ( <strong>28 d\u00e9cembre 2012<\/strong>) portant promulgation de la loi \u00a0n\u00b0 41-12 modifiant et compl\u00e9tant la loi n\u00b0 18-97 relative au micro-cr\u00e9dit. <\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Dahir-1-12-54.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Loi_09-08Protection_Donnees_Personnelles-18-fevrier-2009.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Dahir n\u00b0 1-09-15 du 22 safar 1430 ( <strong>18 f\u00e9vrier 2009<\/strong>) portant promulgation de la loi n\u00b0 09-08 relative \u00e0 la protection des personnes physiques \u00e0 l\u2019\u00e9gard du traitement des donn\u00e9es \u00e0 caract\u00e8re personnel<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Loi_09-08Protection_Donnees_Personnelles-18-fevrier-2009.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Dahir-1-07-166.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Dahir n\u00b0 <strong>1-07-166<\/strong>\u00a0du 19\u00a0kaada 1428 ( <strong>30\u00a0novembre 2007<\/strong>) portant promulgation de la loi \u00a0n\u00b0 04-07\u00a0 compl\u00e9tant la loi n\u00b0 18-97 relative au micro-cr\u00e9dit.<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Dahir-1-07-166.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Lutte_contre_le_blanchiment_de_capitaux-loi-13-10-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Dahir n\u00b0 1-07-79 du 28 rabii I 1428 ( <strong>17 avril 2007<\/strong>) portant promulgation de la loi n\u00b0 43-05 relative \u00e0 la lutte contre le blanchiment de capitaux<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Lutte_contre_le_blanchiment_de_capitaux-loi-13-10-1.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/6-Dahir_1.04.12.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Dahir n\u00b0 <strong>1-04-12<\/strong> du 1er rabii I 1425 ( <strong>21 avril 2004<\/strong>) portant promulgation de la loi n\u00b0 58-03 modifiant et compl\u00e9tant la loi n\u00b0 18-97 relative au micro-cr\u00e9dit.<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/6-Dahir_1.04.12.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/7-Dahir_1-99-16.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Dahir n\u00b0 <strong>1-99-16<\/strong> du 18 chaoual 1419 ( <strong>5 f\u00e9vrier 1999<\/strong>) portant promulgation de la loi n\u00b0 18-97 relative au micro-cr\u00e9dit.<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Dahir-1-99-16-1.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/10-Projet_loi_41-12_fr.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Projet de loi n\u00b0 <strong>41-12<\/strong> modifiant et compl\u00e9tant la loi n\u00b0 18-97 relative au microcr\u00e9dit\u00a0<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/10-Projet_loi_41-12_fr.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1792\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-1792\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">D\u00e9crets<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1792\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1792\"><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/9-decret_2-00-138.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">D\u00e9cret n\u00b0 <strong>2-00-138 <\/strong>du 29<br \/>moharrem 1421 ( <strong>4 mai 2000<\/strong>) fixant la composition et les modalit\u00e9s de<br \/>fonctionnement du conseil consultatif du micro-cr\u00e9dit.<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/9-decret_2-00-138.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/8-decret_2-99-1045.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">D\u00e9cret n\u00b0 <strong>2-99-1045<\/strong> du 13 hija 1420 (<br \/><strong>20 mars 2000<\/strong>) chargeant le ministre de l\u2019\u00e9conomie et des finances de fixer les mod\u00e8les<br \/>des \u00e9tats comptables des associations de micro-cr\u00e9dit.<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/8-decret_2-99-1045.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1793\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-1793\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">Arr\u00eat\u00e9s<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1793\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1793\"><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Arrete-classification-des-creances-AMC-31-decembre-2008.pdf\" rel=\"noopener noreferrer\">Arr\u00eat\u00e9 du Ministre de l\u2019\u00e9conomie et des finances n\u00b0 2338-08 du 3 moharrem 1430 relatif \u00e0 la classification et au provisionnement des cr\u00e9ances sur la client\u00e8le des associations de micro-cr\u00e9dit \u2013 <strong>31 d\u00e9cembre 2008<\/strong><br \/><\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Arrete-classification-des-creances-AMC-31-decembre-2008.pdf\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/3-arrete_1672-07.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Arr\u00eat\u00e9 du ministre des finances et de la privatisation n\u00b0 <strong>1672-07<\/strong> du 9 rejet 1428 ( <strong>25 juillet 2007<\/strong>) relatif au plan comptable des associations de micro-cr\u00e9dit<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/3-arrete_1672-07.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/2-arrete_31.07.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Arr\u00eat\u00e9 du\u00a0 ministre\u00a0 des\u00a0 finances\u00a0 et\u00a0 de\u00a0 la\u00a0 privatisation\u00a0 n\u00b0\u00a0 <strong>31-07<\/strong>\u00a0 du\u00a0 15\u00a0 hija\u00a0 1427\u00a0 ( <strong>5\u00a0 janvier\u00a0 2007<\/strong>)\u00a0 relatif\u00a0 aux conditions sp\u00e9cifiques d\u2019application aux associations de micro cr\u00e9dit de certaines dispositions de la loi n\u00b0 34-03 relative aux \u00e9tablissements de cr\u00e9dit et organismes assimil\u00e9s.<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/2-arrete_31.07.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/5-arrete_1969-06.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Arr\u00eat\u00e9 du Ministre des Finances et de la Privatisation n\u00b0 <strong>1969-06<\/strong> du 28 rejeb 1427 ( <strong>23 ao\u00fbt 2006<\/strong>) fixant le montant maximum de micro-cr\u00e9dit.<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/5-arrete_1969-06.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/4-arrete_1713-05.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Arr\u00eat\u00e9 du Ministre des Finances et de la Privatisation n\u00b0 <strong>1713-05<\/strong> du 10 rejeb 1426 ( <strong>16 ao\u00fbt 2005<\/strong>) fixant les modalit\u00e9s d\u2019octroi de la franchise des droits et taxes pour les \u00e9quipements et mat\u00e9riel import\u00e9s, par les associations de micro-cr\u00e9dit et destin\u00e9s exclusivement \u00e0 leur fonctionnement.<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/4-arrete_1713-05.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/1-arrete_406-00.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Arr\u00eat\u00e9 du ministre de l\u2019\u00e9conomie et des finances n\u00b0 <strong>406-00<\/strong> du 3 hija 1420 ( <strong>10 mars 2000<\/strong>) autorisant la Fondation pour le d\u00e9veloppement local et le partenariat micro-cr\u00e9dit (Fondep micro-cr\u00e9dit) \u00e0 exercer les activit\u00e9s de micro-cr\u00e9dit.<\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/1-arrete_406-00.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1794\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"tab\" aria-controls=\"elementor-tab-content-1794\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">Directives<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1794\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1794\"><ul><li><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Gouvernance-au-sein-des-AMC.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Directive relative \u00e0 la gouvernance au sein des Associations de Micro-cr\u00e9dit \u2013 <strong>Septembre 2009<\/strong><\/a><\/li><\/ul><p style=\"text-align: center;\"><a class=\"download\" href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Gouvernance-au-sein-des-AMC.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9charger<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-90b2e52 animated-slow elementor-invisible\" data-id=\"90b2e52\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19a1d90 elementor-widget elementor-widget-heading\" data-id=\"19a1d90\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Audit externe <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13a1c5c elementor-widget elementor-widget-accordion\" data-id=\"13a1c5c\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2051\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-2051\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">Rapports d'audit<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2051\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2051\"><p>\u201c<a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/2021-Coopers-Audit-et-Crowe-Horwath.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Rapport d&rsquo;audit 2021<\/a>\u201d<\/p><p>\u201c<a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/2020-Coopers-Audit-et-Crowe-Horwath.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Rapport d&rsquo;audit 2020<\/a>\u201d<\/p><h5>\u201c<a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/2019-Coopers-Audit-et-Mazars.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Rapport d&rsquo;audit 2019<\/a>\u201d<\/h5><h5>\u201c<a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/rapports-des-CAC-2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Rapport d&rsquo;audit 2018<\/a>\u201d<\/h5><h5>\u201c<a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/rapports-des-CAC-2017.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Rapport d&rsquo;audit 2017<\/a>\u201d<\/h5><p>\u201c<a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/rapports-des-CAC-2016.pdf\">Rapport d&rsquo;audit 2016\u201d<\/a><\/p><p>\u201c<a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/rapports-des-CAC-2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Rapport d&rsquo;audit 2015<\/a>\u201d<\/p><h5>\u201c<a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/rapports-des-CAC-2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Rapport d&rsquo;audit 2014<\/a>\u201d<\/h5><p>\u201c<a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/FONDEP-rapport-CACs-2013-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Rapport d&rsquo;audit 2013<\/a>\u201d<\/p><p>\u201c<a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/AI-Rapport-des-CACs-2012-1-1.pdf\">Rapport d&rsquo;audit 2012<\/a>\u201d<\/p><h5>\u201c<a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/AI-Fondep-Rapport-CAC-2011-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Rapport d&rsquo;audit 2011<\/a>\u201d<\/h5><h5>\u201c<a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/AI-FONDEP_CAC-2010-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Rapport d&rsquo;activit\u00e9 2010<\/a>\u201d<\/h5><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1cefece publications elementor-hidden-tablet elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1cefece\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-0727864\" data-id=\"0727864\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-da6192d animated-slow elementor-invisible\" data-id=\"da6192d\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65575eb elementor-widget elementor-widget-heading\" data-id=\"65575eb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Rating de la Microfinance<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b057e7 elementor-widget elementor-widget-accordion\" data-id=\"5b057e7\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9541\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-9541\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">Rating Institutionnel de la Microfinance \u201cMICROFINANZA RATNG\u201d<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-9541\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9541\"><h5>2015\u00a0<\/h5><h5><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Rating-Institutionnel-2015.pdf\">La note de Rating Institutionnel de Microfinance<\/a><br \/><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Rating-Institutionnel-2015.pdf\">\u201cMICROFINANZA RATING\u201d<\/a><br \/><a href=\"https:\/\/www.fondation-arrawaj.ma\/default\/wp-content\/themes\/pdf\/Rating Social 2015.pdf\">La note de Rating Social\u00a0 \u201cMICROFINANZA RATING\u201d\u200b<\/a><\/h5><h5>2013<\/h5><h5><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Rating-Certificate-MIR-FONDEP-Maroc-Mai-2013-1-1.pdf\">La note de Rating Institutionnel de Microfinance<\/a><br \/><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Rating-Certificate-MIR-FONDEP-Maroc-Mai-2013-1-1.pdf\">\u201cMICROFINANZA RATING\u201d<\/a><\/h5><h5>2011<\/h5><h5><a href=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2024\/10\/Rating-albaraka-_Apr11_FR-1.pdf\">La note de Rating Institutionnel de Microfinance \u201cMICROFINANZA RATNG\u201d<\/a><\/h5><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-79061fa\" data-id=\"79061fa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f75b30b elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"f75b30b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-062beb8\" data-id=\"062beb8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b5deb17 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"b5deb17\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-caf85ec\" data-id=\"caf85ec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a366360 elementor-widget elementor-widget-heading\" data-id=\"a366360\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nos distinctions<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-11c44cb animated-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"11c44cb\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b0f2df4\" data-id=\"b0f2df4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d56cb4d elementor-arrows-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"d56cb4d\" data-element_type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;navigation&quot;:&quot;arrows&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;slides_to_show_tablet&quot;:&quot;1&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;effect&quot;:&quot;slide&quot;,&quot;speed&quot;:500}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper-container\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\">\n\t\t\t\t<div class=\"swiper-slide\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/04\/MFTRANSPARENCY-SEAL-OF-PRINCING-TRANSPARENCY-3-2.png\" alt=\"2000\" \/><figcaption class=\"elementor-image-carousel-caption\"><h3 style=\"color:#000\">2000<\/h3> Le Sommet Mondial du Micro-Cr\u00e9dit d\u00e9cerne un Certificat  de Reconnaissance d\u2019utilit\u00e9 pour les interventions de la FONDEP en faveur de l\u2019insertion des personnes \u00e9conomiquement faibles dans le tissu productif au titre des exercices 2000, 2001, 2002, 2003 et 2004.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/04\/MFTRANSPARENCY-SEAL-OF-PRINCING-TRANSPARENCY-3-1.png\" alt=\"2002\" \/><figcaption class=\"elementor-image-carousel-caption\"><h3 style=\"color:#000\">2002<\/h3>\nPlanet Rating attribue la note \u00ab G3* \u00bb \u00e0 la FONDEP avec une tendance positive dans les performances organisationnelles et financi\u00e8res et le statut d\u2019une \u00ab I.M.F moyenne \u00bb qui lui a valu le titre de la troisi\u00e8me place nationale, parmi les quarante-cinq institutions \u00e9valu\u00e9es mondialement.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/04\/MIX-LOGO-3.png\" alt=\"2004\" \/><figcaption class=\"elementor-image-carousel-caption\"><h3 style=\"color:#000\">2004<\/h3>\n\nMIX (Micro-finance Information Exchange) d\u00e9cerne le prix \u00ab 5 diamants \u00bb \u00e0 la FONDEP relatif \u00e0 l\u2019excellence de la  transparence financi\u00e8re pour les ann\u00e9es 2004 et 2005.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/04\/MFTRANSPARENCY-SEAL-OF-PRINCING-TRANSPARENCY-3.png\" alt=\"2014\" \/><figcaption class=\"elementor-image-carousel-caption\"><h3 style=\"color:#000\">2005<\/h3>\n\nFONDEP est honor\u00e9e pour sa transparence par le GCAP (Groupe Consultatif d\u2019Assistance aux Pauvres) et se voit attribuer la distinction internationale \u00ab Merit Award \u00bb. Elle devient ainsi la premi\u00e8re institution au Maroc et dans la r\u00e9gion MENA \u00e0 \u00eatre r\u00e9compens\u00e9e.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/04\/FORBES-LOGO-3.png\" alt=\"2006\" \/><figcaption class=\"elementor-image-carousel-caption\"><h3 style=\"color:#000\">2006<\/h3>\n\nFORBES a attribu\u00e9 le cinqui\u00e8me rang \u00e0 la FONDEP dans le classement des institutions de micro-finance au niveau mondial.\n<hr>\n\nL\u2019agence \u00ab Microfinanza \u00bb a attribue\u0301 la notation \u00ab A \u00bb \u00e0 la FONDEP. Cette notation atteste de (i) la solidit\u00e9 des assises financi\u00e8res de la Fondation Albaraka notamment pour faire face \u00e0 ses obligations, (ii) la bonne conduite op\u00e9rationnelle et (iii) l\u2019assurance d\u2019une stabilit\u00e9 institutionnelle.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/04\/MIX-LOGO-3-1.png\" alt=\"2012\" \/><figcaption class=\"elementor-image-carousel-caption\"><h3 style=\"color:#000\">2012<\/h3>\n\nMIX (Micro-finance Information Exchange) d\u00e9cerne le prix \u00ab 5 diamants \u00bb \u00e0 la FONDEP relatif \u00e0 l\u2019excellence de la transparence financi\u00e8re pour les ann\u00e9es 2012 et 2013.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/04\/MICROFINANZA-RATING-LOGO-2-1.png\" alt=\"2013\" \/><figcaption class=\"elementor-image-carousel-caption\"><h3 style=\"color:#000\">2013<\/h3>\n\n\nL\u2019agence Microfinanza confirme les excellentes performances et la faible exposition aux risques de la FONDEP, en lui attribuant la note \u00ab A- \u00bb. Cette notation corrobore la poursuite d\u2019une croissance ma\u00eetris\u00e9e et soutenue de ses activit\u00e9s ainsi que l\u2019adoption d\u2019une politique efficiente en mati\u00e8re de gouvernance et de gestion des risques. Le rating social, quant \u00e0 lui, confirme l\u2019ad\u00e9quation du syst\u00e8me de gestion de la performance sociale et de la protection des clients et l\u2019alignement satisfaisant des activit\u00e9s de la FONDEP avec sa mission en lui attribuant la note \u00ab BB \u00bb<\/figcaption><\/figure><\/div><div class=\"swiper-slide\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/04\/MEILLEUR-EMPLOYEUR-AU-MAROC-LOGO-3.png\" alt=\"2014\" \/><figcaption class=\"elementor-image-carousel-caption\"><h3 style=\"color:#000\">2014<\/h3>\n\n\nAlbaraka class\u00e9e 4\u00e8me meilleur Employeur au Maroc, Cat\u00e9gorie des Grandes Entreprises, dans le cadre du programme Meilleurs Employeurs du Maroc. L\u2019institution s\u2019est distingu\u00e9e, pour sa premi\u00e8re participation, par sa politique de gestion des ressources humaines transparente et efficace et sa capacit\u00e9 \u00e0 offrir \u00e0 ses collaborateurs un environnement de travail favorisant l\u2019engagement, la responsabilit\u00e9, l\u2019\u00e9thique, la transparence et l\u2019efficacit\u00e9 professionnelle.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/04\/MICROFINANZA-RATING-LOGO-1-1.png\" alt=\"2015\" \/><figcaption class=\"elementor-image-carousel-caption\"><h3 style=\"color:#000\">2015<\/h3>\n\nL\u2019agence Microfinanza confirme les excellentes performances op\u00e9rationnelles et financi\u00e8res d\u2019Albaraka en lui attribuant la note \u00ab A \u00bb.Elle a \u00e9galement relev\u00e9 sa notation sociale de \u00ab BB \u00bb \u00e0 \u00ab A \u00bb, situant ainsi l\u2019Institution dans la tranche la plus \u00e9lev\u00e9e de l\u2019\u00e9chelle de rating social, au vu de son syst\u00e8me de gestion de la performance sociale et de protection des clients<\/figcaption><\/figure><\/div><div class=\"swiper-slide\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"http:\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/04\/THE-ASIAN-BANKER-LOGO-3.png\" alt=\"2016\" \/><figcaption class=\"elementor-image-carousel-caption\"><h3 style=\"color:#000\">2016<\/h3>\n\nAlbaraka re\u00e7oit le prix prestigieux \u00ab The Asian Banker Technology \u00bb pour l\u2019impl\u00e9mentation de la meilleure plateforme de pr\u00eat au Moyen Orient et en Afrique.\n<\/figcaption><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\">\n\t\t\t\t\t\t<img decoding=\"async\" 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target=\"_self\"\n\t\t\t\t\t\t\t\tdata-type=\"text\"\n\t\t\t\t\t\t\t\tdata-color=\"#ffffff\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:c;y:c;yo:-60px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;s:30;l:30;fw:600;a:center;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:6;font-family:Montserrat;\"\n\t\t\t\t\t\t\t>Notre \u200e\u200e <br \/>\nOrganisation\u200e  \n\t\t\t\t\t\t\t<\/a><!--\n-->\t\t\t\t\t\t<\/rs-slide>\n\t\t\t\t\t\t<rs-slide data-key=\"rs-16\" data-title=\"Slide\" data-anim=\"ei:d;eo:d;s:1000;r:0;t:fade;sl:0;\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"\/\/fondation-arrawaj.ma\/wp-content\/plugins\/revslider\/public\/assets\/assets\/transparent.png\" alt=\"Slide\" title=\"Notre organisation\" class=\"rev-slidebg\" data-no-retina>\n<!--\n\t\t\t\t\t\t\t--><a\n\t\t\t\t\t\t\t\tid=\"slider-5-slide-16-layer-0\" \n\t\t\t\t\t\t\t\tclass=\"rs-layer\"\n\t\t\t\t\t\t\t\thref=\"https:\/\/fondation-arrawaj.ma\/notre-mission\/\" target=\"_self\"\n\t\t\t\t\t\t\t\tdata-type=\"image\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:c;y:26px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;\"\n\t\t\t\t\t\t\t\tdata-dim=\"w:300px;h:278px;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:5;\"\n\t\t\t\t\t\t\t><img loading=\"lazy\" decoding=\"async\" src=\"\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/03\/Asset-2-5.png\" width=\"388\" height=\"360\" data-no-retina> \n\t\t\t\t\t\t\t<\/a><!--\n\n\t\t\t\t\t\t\t--><a\n\t\t\t\t\t\t\t\tid=\"slider-5-slide-16-layer-1\" \n\t\t\t\t\t\t\t\tclass=\"rs-layer\"\n\t\t\t\t\t\t\t\thref=\"https:\/\/fondation-arrawaj.ma\/notre-mission\/\" target=\"_self\"\n\t\t\t\t\t\t\t\tdata-type=\"text\"\n\t\t\t\t\t\t\t\tdata-color=\"#ffffff\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:c;y:c;yo:-60px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;s:30;l:30;fw:600;a:center;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:6;font-family:Montserrat;\"\n\t\t\t\t\t\t\t>\u200e Notre mission\u200e <br \/>\n\u200e \u200e \u200e \u200e \u200e \u200e \u200e \u200e \u200e \u200e <br \/>\n \n\t\t\t\t\t\t\t<\/a><!--\n-->\t\t\t\t\t\t<\/rs-slide>\n\t\t\t\t\t\t<rs-slide data-key=\"rs-17\" data-title=\"Slide\" data-anim=\"ei:d;eo:d;s:1000;r:0;t:fade;sl:0;\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"\/\/fondation-arrawaj.ma\/wp-content\/plugins\/revslider\/public\/assets\/assets\/transparent.png\" alt=\"Slide\" title=\"Notre organisation\" class=\"rev-slidebg\" data-no-retina>\n<!--\n\t\t\t\t\t\t\t--><a\n\t\t\t\t\t\t\t\tid=\"slider-5-slide-17-layer-0\" \n\t\t\t\t\t\t\t\tclass=\"rs-layer\"\n\t\t\t\t\t\t\t\thref=\"https:\/\/fondation-arrawaj.ma\/les-valeurs-de-linstitution\/\" target=\"_self\"\n\t\t\t\t\t\t\t\tdata-type=\"image\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:c;y:26px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;\"\n\t\t\t\t\t\t\t\tdata-dim=\"w:300px;h:278px;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:5;\"\n\t\t\t\t\t\t\t><img loading=\"lazy\" decoding=\"async\" src=\"\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/03\/Asset-2-5.png\" width=\"388\" height=\"360\" data-no-retina> \n\t\t\t\t\t\t\t<\/a><!--\n\n\t\t\t\t\t\t\t--><a\n\t\t\t\t\t\t\t\tid=\"slider-5-slide-17-layer-1\" \n\t\t\t\t\t\t\t\tclass=\"rs-layer\"\n\t\t\t\t\t\t\t\thref=\"https:\/\/fondation-arrawaj.ma\/les-valeurs-de-linstitution\/\" target=\"_self\"\n\t\t\t\t\t\t\t\tdata-type=\"text\"\n\t\t\t\t\t\t\t\tdata-color=\"#ffffff\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:c;y:c;yo:-60px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;s:30;l:30;fw:600;a:center;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:6;font-family:Montserrat;\"\n\t\t\t\t\t\t\t>\u200e Nos valeurs\u200e <br \/>\n\u200e \u200e \u200e \u200e \u200e \u200e \u200e \u200e \u200e \u200e \u200e \u200e  \n\t\t\t\t\t\t\t<\/a><!--\n-->\t\t\t\t\t\t<\/rs-slide>\n\t\t\t\t\t\t<rs-slide data-key=\"rs-18\" data-title=\"Slide\" data-anim=\"ei:d;eo:d;s:1000;r:0;t:fade;sl:0;\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"\/\/fondation-arrawaj.ma\/wp-content\/plugins\/revslider\/public\/assets\/assets\/transparent.png\" alt=\"Slide\" title=\"Notre organisation\" class=\"rev-slidebg\" data-no-retina>\n<!--\n\t\t\t\t\t\t\t--><a\n\t\t\t\t\t\t\t\tid=\"slider-5-slide-18-layer-0\" \n\t\t\t\t\t\t\t\tclass=\"rs-layer\"\n\t\t\t\t\t\t\t\thref=\"https:\/\/fondation-arrawaj.ma\/gouvernance\/\" target=\"_self\"\n\t\t\t\t\t\t\t\tdata-type=\"image\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:c;y:26px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;\"\n\t\t\t\t\t\t\t\tdata-dim=\"w:300px;h:278px;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:5;\"\n\t\t\t\t\t\t\t><img loading=\"lazy\" decoding=\"async\" src=\"\/\/fondation-arrawaj.ma\/wp-content\/uploads\/2023\/03\/Asset-2-5.png\" width=\"388\" height=\"360\" data-no-retina> \n\t\t\t\t\t\t\t<\/a><!--\n\n\t\t\t\t\t\t\t--><a\n\t\t\t\t\t\t\t\tid=\"slider-5-slide-18-layer-1\" \n\t\t\t\t\t\t\t\tclass=\"rs-layer\"\n\t\t\t\t\t\t\t\thref=\"https:\/\/fondation-arrawaj.ma\/gouvernance\/\" target=\"_self\"\n\t\t\t\t\t\t\t\tdata-type=\"text\"\n\t\t\t\t\t\t\t\tdata-color=\"#ffffff\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:c;y:c;yo:-60px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;s:30;l:30;fw:600;a:center;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:6;font-family:Montserrat;\"\n\t\t\t\t\t\t\t>Gouvernance<br \/>\n \n\t\t\t\t\t\t\t<\/a><!--\n-->\t\t\t\t\t\t<\/rs-slide>\n\t\t\t\t\t<\/rs-slides>\n\t\t\t\t<\/rs-module>\n\t\t\t\t<script type=\"text\/javascript\">\n\t\t\t\t\tsetREVStartSize({c: 'rev_slider_5_1',rl:[1240,1024,778,480],el:[450],gw:[400],gh:[450],type:'carousel',justify:'',layout:'fullwidth',mh:\"0\"});\n\t\t\t\t\tvar\trevapi5,\n\t\t\t\t\t\ttpj;\n\t\t\t\t\tfunction revinit_revslider51() {\n\t\t\t\t\tjQuery(function() {\n\t\t\t\t\t\ttpj = jQuery;\n\t\t\t\t\t\trevapi5 = tpj(\"#rev_slider_5_1\");\n\t\t\t\t\t\tif(revapi5==undefined || revapi5.revolution == 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