{"id":3455,"date":"2021-08-03T12:40:48","date_gmt":"2021-08-03T10:40:48","guid":{"rendered":"https:\/\/www.lexisma.info\/?p=3455"},"modified":"2021-08-03T12:40:48","modified_gmt":"2021-08-03T10:40:48","slug":"publication-au-borm-n-7008-du-dahir-n-1-21-76-portant-loi-n-50-20-relative-au-microcredit","status":"publish","type":"post","link":"https:\/\/dev.pagelt.com\/lexisma2026\/publication-au-borm-n-7008-du-dahir-n-1-21-76-portant-loi-n-50-20-relative-au-microcredit\/","title":{"rendered":"Publication au BORM n\u00b0 7008 du Dahir n\u00b0 1-21-76 portant loi n\u00b0 50-20 relative au microcr\u00e9dit"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>Le\u00a0Dahir n\u00b0 1-21-76 du 3 doulhija 1442 (14 juillet 2021)\u00a0portant\u00a0loi n\u00b0 50-20\u00a0relative au microcr\u00e9dit a \u00e9t\u00e9 publi\u00e9 au\u00a0BORM n\u00b0 7008 du 18 doulhija 1442 (29 juillet 2021), dans sa version en langue arabe.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compos\u00e9 de vingt articles, le texte vise \u00e0 \u00e9tendre le champ d\u2019activit\u00e9 des \u00e9tablissements de la microfinance, outre l\u2019octroi de microcr\u00e9dits, \u00e0 la collecte des d\u00e9p\u00f4ts et aux op\u00e9rations de la micro-assurance (<em>art. 1<\/em>), ainsi qu\u2019\u00e0 la dispense, au profit de leur clients, de prestations de conseil, de formation et d\u2019accompagnement technique en mati\u00e8re de microcr\u00e9dit (<em>art. 6<\/em>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le texte pr\u00e9voit, par ailleurs, les formes que peuvent adopter les \u00e9tablissements de microcr\u00e9dit , ces derniers pouvant opter soit pour le statut d\u2019association, soit pour celui de soci\u00e9t\u00e9 anonyme (<em>art. 2<\/em>), \u00e9tant pr\u00e9cis\u00e9 que les associations ne peuvent pas g\u00e9rer directement le service de microcr\u00e9dit et doivent cr\u00e9er, \u00e0 cet effet, des soci\u00e9t\u00e9s anonymes (<em>art. 8<\/em>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La loi fixe \u00e9galement les conditions requises pour l\u2019exercice de l\u2019activit\u00e9, les soci\u00e9t\u00e9s anonymes cr\u00e9\u00e9es devant \u00eatre des \u00e9tablissements de cr\u00e9dit constitu\u00e9s conform\u00e9ment \u00e0 la&nbsp;<a href=\"https:\/\/www.lexisma.com\/legislation\/maroc\/2014\/103-12\">loi n\u00b0 103-12<\/a>&nbsp;(<em>art. 3)&nbsp;<\/em>, \u00e9tant interdit aux associations de microcr\u00e9dit de collecter des fonds aupr\u00e8s du public (<em>art. 4<\/em>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle traite, en outre, du plafond des financements accord\u00e9s par les \u00e9tablissements concern\u00e9s, celui-ci devant \u00eatre fix\u00e9 par d\u00e9cret en fonction de la cat\u00e9gorie, des objectifs et des ressources financi\u00e8res de chaque \u00e9tablissement (<em>art. 5<\/em>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La loi adopt\u00e9e cl\u00f4ture ses dispositions par les r\u00e8gles relatives \u00e0 la dissolution-liquidation des \u00e9tablissements de microcr\u00e9dit (<em>art. 1 \u00e0 15<\/em>), \u00e9tant notamment pr\u00e9cis\u00e9 que la liquidation intervient suite au retrait d\u2019agr\u00e9ment (<em>art. 12<\/em>) et que le boni de liquidation sera d\u00e9volu \u00e0 l\u2019\u00c9tat qui l\u2019affectera \u00e0 d\u2019autres \u00e9tablissements ayant le m\u00eame objet (<em>art. 15<\/em>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Source : <\/strong>Dahir n\u00b0 1-21-76 du 3 doulhija 1442 (14 juillet 2021)&nbsp;portant&nbsp;loi n\u00b0 50-20&nbsp;relative au microcr\u00e9dit&nbsp;:&nbsp;BORM n\u00b0 7008, 29 juill. 2021&nbsp;(consulter le&nbsp;<a target=\"_blank\" href=\"http:\/\/www.sgg.gov.ma\/BO\/AR\/3111\/2021\/BO_7008_Ar.pdf\" rel=\"noreferrer noopener\">BORM n\u00b0 7008<\/a>&nbsp;sur le site du SGG)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Pour d\u00e9couvrir davantage d\u2019actualit\u00e9s et d\u2019autres contenus juridiques disponibles, rendez-vous sur <a href=\"http:\/\/www.lexisma.com\/\">LexisMA.com<\/a><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Pas encore utilisateur Lexis\u00aeMA&nbsp;? &nbsp;R\u00e9servez imm\u00e9diatement votre d\u00e9monstration sur <a href=\"\/lexisma2026\/Demande%20de%20d%C3%A9mo%20LexisMA\">Demande de d\u00e9mo LexisMA<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le\u00a0Dahir n\u00b0 1-21-76 du 3 doulhija 1442 (14 juillet 2021)\u00a0portant\u00a0loi n\u00b0 50-20\u00a0relative au microcr\u00e9dit a \u00e9t\u00e9 publi\u00e9 au\u00a0BORM n\u00b0 7008 du 18 doulhija 1442 (29 juillet 2021), dans sa version [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"footnotes":""},"categories":[26],"tags":[],"class_list":["post-3455","post","type-post","status-publish","format-standard","hentry","category-news"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.1 (Yoast SEO v28.1) - 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