{"id":12617,"date":"2022-06-14T16:49:17","date_gmt":"2022-06-14T14:49:17","guid":{"rendered":"https:\/\/recette.laayouneinvest.ma\/?page_id=12617"},"modified":"2023-07-27T17:02:16","modified_gmt":"2023-07-27T16:02:16","slug":"identification-du-programme-piafe","status":"publish","type":"page","link":"https:\/\/laayouneinvest.ma\/?page_id=12617","title":{"rendered":"Identification du programme piafe"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12617\" class=\"elementor elementor-12617\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bb66531 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb66531\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-33 elementor-top-column elementor-element elementor-element-2b86135\" data-id=\"2b86135\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-0c862f3\" data-id=\"0c862f3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e7da56d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e7da56d\" data-element_type=\"section\" data-e-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-5e26374\" data-id=\"5e26374\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\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-583c6c7\" data-id=\"583c6c7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-36d628d\" data-id=\"36d628d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\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-715c849 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"715c849\" data-element_type=\"section\" data-e-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-100 elementor-top-column elementor-element elementor-element-380c267\" data-id=\"380c267\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f85e956 elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"f85e956\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div id=\"ld-fancy-heading-6a14eaf78d37d\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<h3 class=\"ld-fh-element d-inline-block pos-rel  elementor-heading-title lqd-highlight-custom lqd-highlight-custom-2 h3\"  data-inview=\"true\" data-transition-delay=\"true\" data-delay-options=\"{&quot;elements&quot;:&quot;.lqd-highlight-inner&quot;,&quot;delayType&quot;:&quot;transition&quot;}\" > <mark class=\"lqd-highlight\"><span class=\"lqd-highlight-txt\"  > Programme Int\u00e9gr\u00e9 d\u2019Appui et de Financement des Entreprises<\/span><span class=\"lqd-highlight-inner\"><svg class=\"lqd-highlight-pen\" width=\"51\" height=\"51\" viewBox=\"0 0 51 51\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M36.204 1.044C32.02 2.814 5.66 31.155 4.514 35.116c-.632 2.182-1.75 5.516-2.483 7.409-3.024 7.805-1.54 9.29 6.265 6.265 1.893-.733 5.227-1.848 7.41-2.477 3.834-1.105 4.473-1.647 19.175-16.27 0 0 10.63-10.546 15.21-15.125C53 8.997 42.021-1.418 36.203 1.044Zm7.263 5.369c3.56 3.28 4.114 4.749 2.643 6.995l-1.115 1.7-4.586-4.543-4.585-4.544 1.42-1.157C39.311 3.18 40.2 3.4 43.467 6.413ZM37.863 13.3l4.266 4.304-11.547 11.561-11.547 11.561-4.48-4.446-4.481-4.447 11.404-11.418c6.273-6.28 11.566-11.42 11.762-11.42.197 0 2.277 1.938 4.623 4.305ZM12.016 39.03l3.54 3.584-3.562 1.098-5.316 1.641c-1.665.516-1.727.455-1.211-1.21l1.614-5.226c1.289-4.177.685-4.191 4.935.113Z\"\/><\/svg><svg class=\"lqd-highlight-brush-svg lqd-highlight-brush-svg-2\" width=\"233\" height=\"13\" viewBox=\"0 0 233 13\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" preserveAspectRatio=\"none\"><path d=\"m.624 9.414-.312-2.48C0 4.454.001 4.454.002 4.454l.035-.005.102-.013.398-.047c.351-.042.872-.102 1.557-.179 1.37-.152 3.401-.368 6.05-.622C13.44 3.081 21.212 2.42 31.13 1.804 50.966.572 79.394-.48 113.797.24c34.387.717 63.927 2.663 84.874 4.429a1048.61 1048.61 0 0 1 24.513 2.34 641.605 641.605 0 0 1 8.243.944l.432.054.149.02-.318 2.479-.319 2.48-.137-.018c-.094-.012-.234-.03-.421-.052a634.593 634.593 0 0 0-8.167-.936 1043.26 1043.26 0 0 0-24.395-2.329c-20.864-1.76-50.296-3.697-84.558-4.413-34.246-.714-62.535.332-82.253 1.556-9.859.612-17.574 1.269-22.82 1.772-2.622.251-4.627.464-5.973.614a213.493 213.493 0 0 0-1.901.22l-.094.01-.028.004Z\"\/><\/svg><\/span><\/mark>   <\/h3>\t\t<\/div>\n\n\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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f2b0ac3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f2b0ac3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-877c095\" data-id=\"877c095\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c3c3377 elementor-widget elementor-widget-text-editor\" data-id=\"c3c3377\" data-element_type=\"widget\" data-e-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\t<p>Il s\u2019agit d\u2019un programme compos\u00e9 d\u2019une offre de financement et d\u2019accompagnement fournie \u00e0 des conditions tr\u00e8s avantageuses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d25760d elementor-widget elementor-widget-ld_accordion\" data-id=\"d25760d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ld_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"accordion accordion-title-bordered accordion-lg accordion-side-spacing accordion-title-bg-transparent accordion-title-round accordion-active-has-fill\" id=\"accordion-6a14eaf790f47\" role=\"tablist\" aria-multiselectable=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\t\t\t\t\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-2201\">\n\t\t\t\t<h4 class=\"accordion-title \">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" \n\t\t\t\t\tdata-parent=\"#accordion-6a14eaf790f47\" href=\"#collapse-2201\" \n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-2201\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">A qui s\u2019adresse ce programme ?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div id=\"collapse-2201\" class=\"accordion-collapse collapse \" role=\"tabpanel\" aria-labelledby=\"heading-2201\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<ul><li>Jeunes dipl\u00f4m\u00e9s \/ qualifi\u00e9s porteurs de projet<\/li><li>Auto-entrepreneurs inscrits au registre national\u00a0<\/li><li>Entrepreneurs Individuels personnes physiques n\u2019ayant pas le statut d\u2019auto-entrepreneurs\u00a0<\/li><li>Tr\u00e8s Petites Entreprises y compris les commer\u00e7ants\u00a0<\/li><li>Artisans\u00a0<\/li><li>Agriculteurs Individuels et les Exploitants Agricoles\u00a0<\/li><li>Entrepreneurs Individuels et TPE dans le monde rural\u00a0<\/li><li>Tr\u00e8s Petites Entreprises exportatrices\u00a0<\/li><li>Start-ups\u00a0<\/li><li>Coop\u00e9ratives<\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\t\t\t\t\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-2202\">\n\t\t\t\t<h4 class=\"accordion-title \">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" \n\t\t\t\t\tdata-parent=\"#accordion-6a14eaf790f47\" href=\"#collapse-2202\" \n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-2202\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">A quoi correspond l\u2019offre de financement ?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div id=\"collapse-2202\" class=\"accordion-collapse collapse \" role=\"tabpanel\" aria-labelledby=\"heading-2202\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>L\u2019offre de financement correspond \u00e0 des cr\u00e9dits remboursables destin\u00e9s \u00e0 financer :<\/p><ul><li>Les d\u00e9penses d\u2019investissement<\/li><li>Les d\u00e9penses d\u2019exploitation<\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\t\t\t\t\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-2203\">\n\t\t\t\t<h4 class=\"accordion-title \">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" \n\t\t\t\t\tdata-parent=\"#accordion-6a14eaf790f47\" href=\"#collapse-2203\" \n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-2203\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">A qui s\u2019adresser pour b\u00e9n\u00e9ficier de l\u2019offre de financement ?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div id=\"collapse-2203\" class=\"accordion-collapse collapse \" role=\"tabpanel\" aria-labelledby=\"heading-2203\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>Aux banques partenaires du programme et qui offrent les financements d\u00e9finis dans le cadre de ce programme, \u00e0 savoir :<\/p><ul><li>Al Barid Bank<\/li><li>CFG Bank<\/li><li>Arab Bank<\/li><li>CIH Bank<\/li><li>Attijariwafa Bank<\/li><li>Cr\u00e9dit Agricole du Maroc<\/li><li>Bank Al-Amal<\/li><li>Cr\u00e9dit du Maroc<\/li><li>BMCE Bank<\/li><li>Cr\u00e9dit Populaire du Maroc<\/li><li>BMCI<\/li><li>Soci\u00e9t\u00e9 G\u00e9n\u00e9rale Marocaine des Banques<\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\t\t\t\t\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-2204\">\n\t\t\t\t<h4 class=\"accordion-title \">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" \n\t\t\t\t\tdata-parent=\"#accordion-6a14eaf790f47\" href=\"#collapse-2204\" \n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-2204\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">Quelles sont les conditions d\u2019\u00e9ligibilit\u00e9 \u00e0 l\u2019offre de financement \u00e0 conditions avantageuses ?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div id=\"collapse-2204\" class=\"accordion-collapse collapse \" role=\"tabpanel\" aria-labelledby=\"heading-2204\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<ul><li>Pour les entreprises en cr\u00e9ation, un chiffre d\u2019affaires pr\u00e9visionnel inf\u00e9rieur ou \u00e9gal \u00e0 10 Millions de DH\u00a0;<\/li><li>Pour les entreprises existantes ayant leur activit\u00e9 en zone urbaine :<ul><li>un chiffre d\u2019affaire inf\u00e9rieur ou \u00e9gal \u00e0 10 millions de DH ;<\/li><li>\u00eatre cr\u00e9\u00e9es depuis 5 ans maximum.<\/li><\/ul><\/li><li>Pour les entreprises ayant leur activit\u00e9 en zone rurale :<ul><li>un chiffre d\u2019affaire inf\u00e9rieur ou \u00e9gal \u00e0 10 millions de DH ;<\/li><li>\u00eatre cr\u00e9\u00e9es depuis 5 ans maximum. Sont dispens\u00e9s de cette condition les exploitations agricoles qui peuvent \u00eatre soit des cr\u00e9ations nouvelles, soit des reconversions significatives de l\u2019exploitation, soit des investissements innovants ou permettant une modernisation de l\u2019activit\u00e9.<\/li><\/ul><\/li><li>Pour les entreprises exportatrices vers l\u2019Afrique, un chiffre d\u2019affaires inf\u00e9rieur ou \u00e9gal \u00e0 10 millions de DH sans condition d\u2019anciennet\u00e9.<\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\t\t\t\t\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-2205\">\n\t\t\t\t<h4 class=\"accordion-title \">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" \n\t\t\t\t\tdata-parent=\"#accordion-6a14eaf790f47\" href=\"#collapse-2205\" \n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-2205\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">Quels produits de financement sont disponibles ?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div id=\"collapse-2205\" class=\"accordion-collapse collapse \" role=\"tabpanel\" aria-labelledby=\"heading-2205\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>L\u2019offre de financement se compose de plusieurs produits de financement mis au point par chacune des banques concern\u00e9es et qui pr\u00e9sentent un certain nombre de caract\u00e9ristiques communes.<\/p><ul><li>Ces produits se d\u00e9clinent selon le type de besoin \u00e0 financer et selon la localisation des projets :<\/li><li>Besoin de financer un investissement\u00a0;<\/li><li>Besoin de financer les d\u00e9penses d\u2019exploitation\u00a0;<\/li><li>Besoin de financer le fonds de roulement de d\u00e9marrage\u00a0;<\/li><li>Localisation en zone urbaine selon le r\u00e9f\u00e9rentiel du Minist\u00e8re de l\u2019Int\u00e9rieur\u00a0;<\/li><li>Localisation en zone rurale.<\/li><li>Ces produits comprennent 3 grandes cat\u00e9gories\u00a0:<\/li><li>Les cr\u00e9dits d\u2019investissement et de fonctionnement dits \u00ab Intelak \u00bb<\/li><li>Les cr\u00e9dits d\u2019investissement et de fonctionnement dits \u00ab Intelak Al Moustatmir Al Qarawi \u00bb<\/li><li>Les pr\u00eats gratuits \u00ab Start-TPE \u00bb.<\/li><li><strong><u>Cr\u00e9dits d\u2019investissement et de fonctionnement \u00ab Intelak \u00bb <\/u><\/strong><\/li><\/ul><p>Ils sont destin\u00e9s aux projets et entreprises en zone urbaine, toutes activit\u00e9s confondues \u00e0 l\u2019exclusion de la promotion immobili\u00e8re et de la p\u00eache hauturi\u00e8re.<\/p><p><strong><em>Quels montants de financement ?<\/em><\/strong><\/p><p>Le cumul des cr\u00e9dits d\u2019investissement et d\u2019exploitation peut atteindre jusqu\u2019\u00e0 1,2 million de DH par b\u00e9n\u00e9ficiaire.<\/p><p><strong><em>Quelles garanties ? <\/em><\/strong><\/p><p>Aucune garantie personnelle<\/p><p>Garanties li\u00e9es au projet (local, mat\u00e9riel, fonds de commerce). Aucune garantie personnelle n\u2019est engag\u00e9e sous forme notamment de caution<\/p><p>D\u00e9l\u00e9gation d\u2019assurance D\u00e9c\u00e8s Invalidit\u00e9 \u2013 Totale<\/p><p><strong><em>Quelle tarification ? <\/em><\/strong><\/p><p>Taux d\u2019int\u00e9r\u00eat pr\u00e9f\u00e9rentiel : 2% HT\u00a0\u00a0\u00a0<\/p><p>Frais de dossier : gratuits\u00a0\u00a0<\/p><p>Prime d\u2019assurance pr\u00e9f\u00e9rentielle : 0,1% HT<\/p><ul><li><strong><u>Cr\u00e9dits d\u2019investissement et de fonctionnement \u00ab Intelak Al-Moustatmir Al Qarawi \u00bb<\/u><\/strong><\/li><\/ul><p>Ils sont destin\u00e9s aux projets et entreprises en zone rurale, toutes activit\u00e9s confondues \u00e0 l\u2019exclusion de la promotion immobili\u00e8re et de la p\u00eache hauturi\u00e8re.<\/p><p><strong><em>Quels montants de financement ? <\/em><\/strong><\/p><p>Le cumul des cr\u00e9dits d\u2019investissement et d\u2019exploitation peut atteindre jusqu\u2019\u00e0 1,2 million de DH par b\u00e9n\u00e9ficiaire.<\/p><p><strong><em>Quelles garanties ?\u00a0\u00a0\u00a0 <\/em><\/strong><\/p><p>Aucune garantie personnelle<\/p><p>Garanties li\u00e9es au projet (local, mat\u00e9riel, fonds de commerce). Aucune garantie personnelle n\u2019est engag\u00e9e sous forme notamment de caution\u00a0\u00a0<\/p><p>D\u00e9l\u00e9gation d\u2019assurance D\u00e9c\u00e8s Invalidit\u00e9 - Totale<\/p><p><strong><em>Quelle tarification ?\u00a0\u00a0<\/em><\/strong><\/p><p>Taux d\u2019int\u00e9r\u00eat pr\u00e9f\u00e9rentiel : 1,75% HT\u00a0\u00a0\u00a0<\/p><p>Frais de dossier : gratuits\u00a0\u00a0<\/p><p>Prime d\u2019assurance pr\u00e9f\u00e9rentielle : 0,1% HT<\/p><ul><li><strong><u>Pr\u00eat gratuit \u00ab Start-TPE \u00bb<\/u><\/strong><\/li><\/ul><p>Il s\u2019agit d\u2019un pr\u00eat qui vient en compl\u00e9ment au cr\u00e9dit d\u2019investissement et qui permet de financer le besoin en fonds de roulement de d\u00e9marrage li\u00e9 \u00e0 l\u2019investissement.<\/p><p>Il peut b\u00e9n\u00e9ficier une seule fois \u00e0 l\u2019entreprise qui a souscrit un cr\u00e9dit d\u2019investissement Intelak ou Intelak Al Moustatmir Al Qarawi inf\u00e9rieur ou \u00e9gal \u00e0 300.000 DH.<\/p><p>Il est remboursable apr\u00e8s 5 ans maximum sauf en cas d\u2019ouverture d\u2019une proc\u00e9dure de liquidation de l\u2019entreprise.<\/p><p>\u00a0<strong><em>Quels montants de financement ?<\/em><\/strong><\/p><p>Le pr\u00eat gratuit peut atteindre 20% du montant du cr\u00e9dit d\u2019investissement dans la limite de 50.000 DH.<\/p><p><strong><em>Quelles garanties ?<\/em><\/strong><em>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/em><\/p><p>Aucune garantie n\u2019est exig\u00e9e\u00a0<\/p><p><strong><em>Quelle tarification ?\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/em><\/strong><\/p><p>Taux d\u2019int\u00e9r\u00eat : 0%\u00a0\u00a0\u00a0<\/p><p><strong><em>Frais de dossier : \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/em><\/strong><\/p><p>Gratuits<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\t\t\t\t\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-2206\">\n\t\t\t\t<h4 class=\"accordion-title \">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" \n\t\t\t\t\tdata-parent=\"#accordion-6a14eaf790f47\" href=\"#collapse-2206\" \n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-2206\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">A quoi correspond l\u2019offre d\u2019accompagnement ?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div id=\"collapse-2206\" class=\"accordion-collapse collapse \" role=\"tabpanel\" aria-labelledby=\"heading-2206\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>L\u2019offre d\u2019accompagnement correspond aux services rendus aux candidats porteurs de projet pour les aider \u00e0 cr\u00e9er leur entreprise et \u00e0 faciliter l\u2019obtention d\u2019un financement ainsi que les services rendus aux entreprises cr\u00e9\u00e9es en vue de leur p\u00e9rennisation<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\t\t\t\t\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-2207\">\n\t\t\t\t<h4 class=\"accordion-title \">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" \n\t\t\t\t\tdata-parent=\"#accordion-6a14eaf790f47\" href=\"#collapse-2207\" \n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-2207\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">Quels sont les b\u00e9n\u00e9ficiaires des services d\u2019accompagnement ?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div id=\"collapse-2207\" class=\"accordion-collapse collapse \" role=\"tabpanel\" aria-labelledby=\"heading-2207\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>Les b\u00e9n\u00e9ficiaires de services d\u2019accompagnement pr\u00e9vus par ce programme sont :\u00a0\u00a0<\/p><ul><li>les porteurs d\u2019id\u00e9e en phase de conception d\u2019un projet de cr\u00e9ation d\u2019entreprise\u00a0;<\/li><li>les porteurs de projet en phase de r\u00e9alisation du projet et de cr\u00e9ation de l\u2019entreprise\u00a0;<\/li><li>les entreprises r\u00e9cemment cr\u00e9\u00e9es.<\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\t\t\t\t\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-2208\">\n\t\t\t\t<h4 class=\"accordion-title \">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" \n\t\t\t\t\tdata-parent=\"#accordion-6a14eaf790f47\" href=\"#collapse-2208\" \n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-2208\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">Quels services d\u2019accompagnement sont disponibles ?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div id=\"collapse-2208\" class=\"accordion-collapse collapse \" role=\"tabpanel\" aria-labelledby=\"heading-2208\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>Les services d\u2019accompagnement diff\u00e8rent selon la phase o\u00f9 se trouve le candidat porteur de projet. Celui-ci peut se trouver lors de la phase de :\u00a0<\/p><ul><li>maturation de l\u2019id\u00e9e\u00a0;<\/li><li>conception et montage du projet\u00a0;<\/li><li>cr\u00e9ation de l\u2019entreprise\u00a0;<\/li><li>recherche des financements et constitution du dossier de cr\u00e9dit\u00a0;<\/li><li>d\u00e9veloppement et p\u00e9rennisation du projet.<\/li><\/ul><p>Ces services peuvent porter sur divers besoins, \u00e0 titre d\u2019exemple sur ce qui suit :\u00a0\u00a0<\/p><ul><li>Phase de pr\u00e9-cr\u00e9ation de l\u2019entreprise : la formation, l\u2019incubation, l\u2019assistance au montage du projet et \u00e0 la mise en place du business plan, le conseil sur les financements disponibles, et l\u2019assistance au montage du dossier de cr\u00e9dit\u00a0;<\/li><li>Phase de cr\u00e9ation d\u2019entreprises : l\u2019assistance aux d\u00e9marches administratives et \u00e0 l\u2019obtention des autorisations\u00a0;<\/li><li>Phase post-cr\u00e9ation de l\u2019entreprise : Tenue de la comptabilit\u00e9, conseil, formation, financements disponibles, assistance juridique, accompagnement pour la p\u00e9rennisation et la croissance de l\u2019entreprise ; acc\u00e8s \u00e0 des informations sectorielles et r\u00e9gionales\u00a0;<\/li><li>Phase de difficult\u00e9 : soutien externe en termes de gestion des difficult\u00e9s\u00a0;<\/li><li>Phase de cession ou de reprise de l\u2019entreprise : l\u2019assistance et le conseil.<\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\t\t\t\t\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-2209\">\n\t\t\t\t<h4 class=\"accordion-title \">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" \n\t\t\t\t\tdata-parent=\"#accordion-6a14eaf790f47\" href=\"#collapse-2209\" \n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-2209\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">A qui s\u2019adresser pour b\u00e9n\u00e9ficier des services d\u2019information et d\u2019orientation ? <\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div id=\"collapse-2209\" class=\"accordion-collapse collapse \" role=\"tabpanel\" aria-labelledby=\"heading-2209\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>Pour les besoins d\u2019information et d\u2019orientation, les candidats \u00e9ligibles peuvent s\u2019adresser indiff\u00e9remment aux structures r\u00e9gionales suivantes :\u00a0\u00a0<\/p><ul><li>Les r\u00e9seaux d\u2019agences bancaires\u00a0;<\/li><li>Les succursales de Bank Al-Maghrib au niveau des r\u00e9gions\u00a0;<\/li><li>Les Centres R\u00e9gionaux d\u2019Investissement\u00a0;<\/li><li>Les antennes r\u00e9gionales de la Caisse Centrale de Garantie\u00a0;<\/li><li>Les structures r\u00e9gionales de la CGEM\u00a0;<\/li><li>Les guichets r\u00e9gionaux d\u2019accompagnement de l\u2019OFPPT\u00a0;<\/li><li>Les agences et antennes r\u00e9gionales de l\u2019ANAPEC<\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\t\t\t\t\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-22010\">\n\t\t\t\t<h4 class=\"accordion-title \">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" \n\t\t\t\t\tdata-parent=\"#accordion-6a14eaf790f47\" href=\"#collapse-22010\" \n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-22010\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\"> A qui s\u2019adresser pour b\u00e9n\u00e9ficier des services d\u2019accompagnement \u00e0 la cr\u00e9ation, \u00e0 l\u2019acc\u00e8s au financement ou au d\u00e9veloppement de l\u2019entreprise<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div id=\"collapse-22010\" class=\"accordion-collapse collapse \" role=\"tabpanel\" aria-labelledby=\"heading-22010\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>\u00a0Vous pouvez vous adresser aux structures suivantes si vous avez :\u00a0<\/p><ul><li>une id\u00e9e et que vous avez besoin d\u2019un appui pour monter un projet\u00a0;<\/li><li>mont\u00e9 votre projet ou que vous avez r\u00e9cemment cr\u00e9\u00e9 une petite entreprise et que vous avez besoin d\u2019un appui pour monter le dossier de financement pour l\u2019obtention de cr\u00e9dits\u00a0;<\/li><li>cr\u00e9\u00e9 r\u00e9cemment votre entreprise et que vous avez besoin d\u2019un appui pour p\u00e9renniser et d\u00e9velopper votre activit\u00e9.<\/li><li><strong>Les agences bancaires :<\/strong> Pour les banques disposant de structures d\u2019accompagnement, les agences vous mettront en relation avec des conseillers professionnels qui vous assisteront dans le montage du projet et du business plan (plan d\u2019affaires) ou du dossier de cr\u00e9dit\u00a0;<\/li><li><strong>Les Centres R\u00e9gionaux d\u2019Investissement :<\/strong> Les CRI vous mettront en relation avec les parties concern\u00e9es (professionnels \u00e9tablis, associations, experts) au niveau r\u00e9gional offrant des services d\u2019accompagnement, en fonction du besoin et du cycle de vie de l\u2019entreprise.\u00a0;<\/li><li><strong>Les guichets r\u00e9gionaux d\u2019accompagnement de l\u2019OFPPT :<\/strong> Ces guichets fournissent des services de formation et d\u2019accompagnement au montage de projet, ainsi que des services de formation et d\u2019accompagnement post-cr\u00e9ation. 4.\u00a0 Les agences et antennes r\u00e9gionales de l\u2019ANAPEC : Elles fournissent des services d\u2019appui aux porteurs de projet en phase de pr\u00e9-cr\u00e9ation et lors du d\u00e9marrage de l\u2019activit\u00e9 ainsi que des s\u00e9ances de sensibilisation \u00e0 l\u2019entrepreneuriat.<\/li><li><strong>Les agences et antennes r\u00e9gionales de l\u2019ANAPEC :<\/strong> Elles fournissent des services d\u2019appui aux porteurs de projet en phase de pr\u00e9-cr\u00e9ation et lors du d\u00e9marrage de l\u2019activit\u00e9 ainsi que des s\u00e9ances de sensibilisation \u00e0 l\u2019entrepreneuriat.<\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\t\t\t\t\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-22011\">\n\t\t\t\t<h4 class=\"accordion-title \">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" \n\t\t\t\t\tdata-parent=\"#accordion-6a14eaf790f47\" href=\"#collapse-22011\" \n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-22011\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">A qui s\u2019adresser pour b\u00e9n\u00e9ficier des services d\u2019aide aux formalit\u00e9s administratives de cr\u00e9ation d\u2019entreprise et \u00e0 l\u2019obtention des autorisations n\u00e9cessaires ? <\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div id=\"collapse-22011\" class=\"accordion-collapse collapse \" role=\"tabpanel\" aria-labelledby=\"heading-22011\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>En cas de difficult\u00e9 d\u2019acc\u00e8s aux services d\u2019accompagnement, vous pouvez vous adresser au Centre R\u00e9gional d\u2019Investissement.<\/p><p>Il convient de s\u2019adresser aux Centres R\u00e9gionaux d\u2019Investissement qui apporteront l\u2019assistance n\u00e9cessaire pour permettre la cr\u00e9ation de l\u2019entreprise et l\u2019obtention des autorisations n\u00e9cessaires dans des d\u00e9lais rapides.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\t\t\t\t\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-22012\">\n\t\t\t\t<h4 class=\"accordion-title \">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" \n\t\t\t\t\tdata-parent=\"#accordion-6a14eaf790f47\" href=\"#collapse-22012\" \n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-22012\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">A qui s\u2019adresser en cas de difficult\u00e9 d\u2019acc\u00e8s aux services d\u2019accompagnement ?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div id=\"collapse-22012\" class=\"accordion-collapse collapse \" role=\"tabpanel\" aria-labelledby=\"heading-22012\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>En cas de difficult\u00e9 d\u2019acc\u00e8s aux services d\u2019accompagnement, vous pouvez vous adresser au Centre R\u00e9gional d\u2019Investissement.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\t\t\t\t\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-22013\">\n\t\t\t\t<h4 class=\"accordion-title \">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" \n\t\t\t\t\tdata-parent=\"#accordion-6a14eaf790f47\" href=\"#collapse-22013\" \n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-22013\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">Quels sont les documents constitutifs d'un dossier de demande de cr\u00e9dit Intelaka?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div id=\"collapse-22013\" class=\"accordion-collapse collapse \" role=\"tabpanel\" aria-labelledby=\"heading-22013\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<ul><li>Copie de la CIN<\/li><li>Carte professionnelle ou mod\u00e8le 7 du R.C ou carte auto-entrepreneur<\/li><li>Dossier juridique\u00a0(ou projet de statuts si la soci\u00e9t\u00e9 est en cours de cr\u00e9ation)<\/li><li>Cv + copie dipl\u00f4mes ou certificats + justificatifs d\u2019exp\u00e9riences professionnelles<\/li><li>Certificat de propri\u00e9t\u00e9 ou compromis de vente du local si acquisition locale.<\/li><li>Contrat de bail ou promesse de bail si local en location<\/li><li>Etude de faisabilit\u00e9 du projet (\u00e9tude technique, \u00e9tude de march\u00e9, programme d\u2019investissement, plan de financement, planning de r\u00e9alisation et compte d\u2019exploitation pr\u00e9visionnel sur la dur\u00e9e du cr\u00e9dit sollicit\u00e9e pr\u00e9cisant le nombre d\u2019emplois \u00e0 cr\u00e9er et les hypoth\u00e8ses de calcul).<\/li><li>Tableau de tr\u00e9sorerie pr\u00e9visionnelle dans le cas d\u2019un financement \u00e0 court terme.<\/li><li>Autorisation d\u2019exercer<\/li><li>Facture pro forma et devis de moins de 3 mois<ul><li>Constructions et am\u00e9nagements<\/li><li>Mat\u00e9riel et \u00e9quipements \u00e0 acqu\u00e9rir<\/li><\/ul><\/li><li>Rapport de visite (\u00e0 effectuer et \u00e0 remplir par l\u2019agence) pour les entreprises existantes<\/li><li>Canevas projet \/ relation s\u2019il s\u2019agit d\u2019une cr\u00e9ation<\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t<\/div>\n\n\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<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Programme Int\u00e9gr\u00e9 d\u2019Appui et de Financement des Entreprises Il s\u2019agit d\u2019un programme compos\u00e9 d\u2019une offre de financement et d\u2019accompagnement fournie \u00e0 des conditions tr\u00e8s avantageuses. A qui s\u2019adresse ce programme ? Jeunes dipl\u00f4m\u00e9s \/ qualifi\u00e9s porteurs de projet Auto-entrepreneurs inscrits au registre national\u00a0 Entrepreneurs Individuels personnes physiques n\u2019ayant pas le statut d\u2019auto-entrepreneurs\u00a0 Tr\u00e8s Petites Entreprises [&hellip;]<\/p>\n<div class='heateor_sss_sharing_container heateor_sss_vertical_sharing heateor_sss_bottom_sharing' style='width:44px;left: 3px;top: 386px;-webkit-box-shadow:none;box-shadow:none;' data-heateor-sss-href='https:\/\/laayouneinvest.ma'><div class=\"heateor_sss_sharing_ul\"><a aria-label=\"Facebook\" class=\"heateor_sss_facebook\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Flaayouneinvest.ma\" title=\"Facebook\" rel=\"nofollow noopener\" target=\"_blank\" style=\"font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle\"><span class=\"heateor_sss_svg\" 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class=\"heateorSssClear\"><\/div><\/div>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-12617","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Identification du programme piafe - CRI-LSH<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/laayouneinvest.ma\/identification-du-programme-piafe\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Identification du programme piafe - CRI-LSH\" \/>\n<meta property=\"og:description\" content=\"Programme Int\u00e9gr\u00e9 d\u2019Appui et de Financement des 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