{"id":14510,"date":"2019-08-04T15:03:15","date_gmt":"2019-08-04T12:03:15","guid":{"rendered":"http:\/\/www.bilahodoud.ma\/?p=14510"},"modified":"2019-08-04T15:11:10","modified_gmt":"2019-08-04T12:11:10","slug":"qui-a-recours-au-credit-a-la-consommation","status":"publish","type":"post","link":"https:\/\/www.bilahodoud.ma\/?p=14510","title":{"rendered":"!? Qui a recours au cr\u00e9dit \u00e0 la consommation"},"content":{"rendered":"
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<\/header>\n
Raki Mohamed – bilahodoud.ma<\/span><\/div>\n<\/div>\n
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D\u2019apr\u00e8s une enqu\u00eate de Bank Al Maghrib, portant sur 1,2 million de dossiers de cr\u00e9dit totalisant 16,5 milliards de dirhams, soit 75% de l\u2019encours global des soci\u00e9t\u00e9s de cr\u00e9dit \u00e0 la consommation, le taux de p\u00e9n\u00e9tration du cr\u00e9dit \u00e0 la consommation au d\u00e9but des ann\u00e9es 2000, atteint son niveau maximum chez les personnes \u00e2g\u00e9es de 40 \u00e0 49 ans avant de fl\u00e9chir \u00e0 19% en moyenne chez les 50 ans et plus.<\/span>
\n\u00abLa faiblesse relative du niveau de diffusion du cr\u00e9dit \u00e0 la consommation au Maroc tient notamment au niveau du taux de ch\u00f4mage, \u00e0 la faiblesse des revenus ainsi qu\u2019\u00e0 l\u2019\u00e2ge de mariage qui est en moyenne de 31,2 ans pour les hommes et 26,3 pour les femmes. A cet \u00e9gard, l\u2019enqu\u00eate r\u00e9v\u00e8le qu\u2019environ 75% des pr\u00eats sont contract\u00e9s par des personnes mari\u00e9es. Ce sont les personnes qui ont un revenu mensuel inf\u00e9rieur \u00e0 4.000 DH qui ont recours \u00e0 ce cr\u00e9dit et s\u2019endettent ainsi le plus.<\/span>
\nLeur taux d\u2019endettement avoisine les 35%. Pour ceux qui ont un revenu sup\u00e9rieur \u00e0 20.000 dirhams, ce taux est tr\u00e8s bas (6%). L\u2019analyse par cat\u00e9gorie socioprofessionnelle et par \u00e2ge r\u00e9v\u00e8le que les fonctionnaires et les salari\u00e9s ont le plus acc\u00e8s aux cr\u00e9dits. Vingt ans plus tard, la tendance est la m\u00eame ou presque.<\/span>
\nCe sont toujours les personnes de plus de 40 ans qui dominent avec 67% des dossiers de cr\u00e9dit \u00e0 la consommation. Les pr\u00eats personnels constituent le type de cr\u00e9dit le plus utilis\u00e9 chez toutes les tranches d\u2019\u00e2ges. A l\u2019inverse, les cartes revolving repr\u00e9sentent 6% de cr\u00e9dits contract\u00e9s par les plus de 50<\/span>
\nans et seulement 2% par les personnes de moins de 30 ans. Cette derni\u00e8re cat\u00e9gorie recourt davantage aux pr\u00eats pour v\u00e9hicules et \u00e9quipements domestiques. Sur la base du revenu, la tendance s\u2019inverse. Bank Al Maghrib souligne que les m\u00e9nages ayant les revenus les plus \u00e9lev\u00e9s se sont accapar\u00e9s 65,4% du total des cr\u00e9dits accord\u00e9s et leur taux d\u2019endettement s\u2019est situ\u00e9 \u00e0 pr\u00e8s de 30% de leurs revenus. Par ailleurs, les individus dont la tranche de revenus est inf\u00e9rieure \u00e0 4.000 et ceux ayant un revenu entre 4.000 et 6.000 dirhams ont b\u00e9n\u00e9fici\u00e9 respectivement de 20,7% et 13,9% de ce montant, leurs charges de dette a repr\u00e9sent\u00e9 32,4% et 31,8%. En comparaison avec le d\u00e9but des ann\u00e9es 2000, un allongement des dur\u00e9es de remboursement est observ\u00e9 au niveau des cr\u00e9dits \u00e0 la consommation. Actuellement, les pr\u00eats dont la dur\u00e9e initiale est sup\u00e9rieure \u00e0 5 ans repr\u00e9sentent<\/span>
\nune part de 71,5% contre 69,7% une ann\u00e9e auparavant.<\/span>
\nCette part s\u2019est \u00e9largie progressivement d\u2019une ann\u00e9e \u00e0 l\u2019autre, elle \u00e9tait de 49% en 2009 et de beaucoup moins en 2001. La proportion des pr\u00eats d\u2019une dur\u00e9e comprise entre 2 ans et 5 ans est, quant \u00e0 elle, limit\u00e9e \u00e0 22,5% et celle dont la dur\u00e9e est inf\u00e9rieure \u00e0 2 ans ne d\u00e9passe pas les 6,1%.<\/span><\/p>\n

LES MAROCAINS ET L\u2019ENDETTEMENT<\/strong><\/span><\/p>\n

Selon les estimations de la Banque Centrale sur la base des donn\u00e9es relev\u00e9es aupr\u00e8s des \u00e9tablissements de cr\u00e9dit (banques et soci\u00e9t\u00e9s de financement), la dette des m\u00e9nages se situait, \u00e0 fin 2005, \u00e0 moins de 10% du Revenu Disponible Brut des m\u00e9nages (RDB). Quant \u00e0 la dette par habitant, elle ressortait \u00e0 3.364 dirhams, en hausse de 65% par rapport \u00e0 2000. En outre, l\u2019endettement des m\u00e9nages d\u2019apr\u00e8s les rapports de supervision bancaire est pass\u00e9 de 58 MMDH en 2000 \u00e0 323 MMDH \u00e0 fin 2017, repr\u00e9sentant 33% du total des cr\u00e9dits accord\u00e9s \u00e0 l\u2019ensemble des<\/span>
\nagents \u00e9conomiques. En 2018, le niveau d\u2019endettement moyen par m\u00e9nage s\u2019est \u00e9tabli \u00e0 41.000 dirhams, contre 40.200 une ann\u00e9e auparavant. Rapport\u00e9 au PIB, l\u2019encours de l\u2019endettement des m\u00e9nages a repr\u00e9sent\u00e9 30%.<\/span><\/p>\n

DES REMBOURSEMENT QUI S\u2019ALLONGENT<\/strong><\/span><\/p>\n

La maturit\u00e9 de ces cr\u00e9dits a tendance \u00e0 s\u2019allonger au fil des ans. En 2004, la dur\u00e9e moyenne \u00e9tait de 14,6 ans. L\u2019encours des cr\u00e9dits, dont la dur\u00e9e se situe entre 10 et 20 ans, a repr\u00e9sent\u00e9 58% du total, celui des cr\u00e9dits dont la dur\u00e9e est sup\u00e9rieure \u00e0 20 ans s\u2019est \u00e9tabli \u00e0 17%. 15 ans plus tard, les cr\u00e9dits sont majoritairement contract\u00e9s pour des dur\u00e9es de remboursement longues. En effet, les cr\u00e9dits \u00e0 dur\u00e9e sup\u00e9rieure \u00e0 20 ans ont repr\u00e9sent\u00e9 pr\u00e8s de 57% en 2017. Ceux dont la dur\u00e9e est situ\u00e9e entre 10 et 20 ans en repr\u00e9sentent 36%. \u00abCet allongement permet aux m\u00e9nages de r\u00e9duire la charge de remboursement mensuelle et d\u2019accro\u00eetre ainsi leur capacit\u00e9 d\u2019emprunt\u00bb, souligne Jamalddine Achabi, sociologue. D\u2019apr\u00e8s la BAM, les m\u00e9nages semblent \u00eatre plus sensibles au montant de l\u2019annuit\u00e9 qu\u2019au co\u00fbt r\u00e9el des pr\u00eats.<\/span><\/p>\n

HABITER \u00c0 CR\u00c9DIT N\u2019EST PLUS TABOU<\/strong><\/span><\/p>\n

Selon l\u2019enqu\u00eate sur le cr\u00e9dit immobilier men\u00e9e annuellement par BAM aupr\u00e8s des banques, les b\u00e9n\u00e9ficiaires des cr\u00e9dits \u00e0 l\u2019Habitat sont majoritairement des fonctionnaires et des salari\u00e9s, cumulant 82% des cr\u00e9dits accord\u00e9s (48% pour les salari\u00e9s et 34% pour les fonctionnaires).<\/span>
\nPar tranche de revenu, la proportion des particuliers dont le revenu est inf\u00e9rieur \u00e0 4.000 dirhams, repr\u00e9sente 32% contre 33% en 2016. Parall\u00e8lement, la part des m\u00e9nages ayant un revenu compris entre 4.000 et 10.000 dirhams s\u2019est maintenue \u00e0 38% d\u2019une ann\u00e9e \u00e0 l\u2019autre.<\/span>
\nCeux dont le revenu est sup\u00e9rieur \u00e0 10.000 dirhams repr\u00e9sentent environ 30% apr\u00e8s 29% en 2016. Les b\u00e9n\u00e9ficiaires appartiennent essentiellement \u00e0 la tranche d\u2019\u00e2ge de 30 \u00e0 49 ans, avec une part de 63%. Les personnes de moins de 30 ans repr\u00e9sentent 7% des dossiers de cr\u00e9dit \u00e0 l\u2019habitat.<\/span><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Raki Mohamed – bilahodoud.ma D\u2019apr\u00e8s une enqu\u00eate de Bank Al Maghrib, portant sur 1,2 million de dossiers de cr\u00e9dit totalisant 16,5 milliards de dirhams, soit 75% de l\u2019encours global des soci\u00e9t\u00e9s de cr\u00e9dit \u00e0 la consommation, le taux de p\u00e9n\u00e9tration du cr\u00e9dit \u00e0 la consommation au d\u00e9but des ann\u00e9es 2000, atteint son niveau maximum chez […]<\/p>\n","protected":false},"author":1,"featured_media":14511,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,14],"tags":[],"class_list":{"0":"post-14510","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-4","8":"category-14"},"yoast_head":"\n!? Qui a recours au cr\u00e9dit \u00e0 la consommation | \u062c\u0631\u064a\u062f\u0629 \u0628\u0644\u0627\u062d\u062f\u0648\u062f Bilahodoud<\/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:\/\/www.bilahodoud.ma\/?p=14510\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"!? 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