{"id":4602,"date":"2023-04-27T14:41:50","date_gmt":"2023-04-27T14:41:50","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=4602"},"modified":"2023-04-27T14:47:33","modified_gmt":"2023-04-27T14:47:33","slug":"le-cms-veut-vulgariser-la-finance-islamique-a-thies","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=4602","title":{"rendered":"Le CMS veut vulgariser la finance islamique \u00e0 Thi\u00e8s"},"content":{"rendered":"<p><strong>Le Cr\u00e9dit mutuel du S\u00e9n\u00e9gal (CMS) entend vulgariser aupr\u00e8s de ses soci\u00e9taires, la finance islamique, qui reste insuffisamment utilis\u00e9e dans la r\u00e9gion de Thi\u00e8s, malgr\u00e9 son ampleur grandissante \u00e0 l\u2019\u00e9chelle nationale et internationale, a annonc\u00e9 son directeur r\u00e9gional, Abdou Khadre Sarr.<\/strong><\/p>\n<p>\u2018\u2019Pour l\u2019instant, elle (la finance islamique) n\u2019est pas suffisamment utilis\u00e9e, mais nous devons contribuer \u00e0 la vulgariser pour permettre \u00e0 nos soci\u00e9taires de pouvoir b\u00e9n\u00e9ficier de ce type de financement qui aujourd\u2019hui prend de plus en plus d\u2019envergure \u00e0 l\u2019\u00e9chelle nationale et internationale\u2019\u2019, a dit M. Sarr.<\/p>\n<p>Il s\u2019exprimait mardi, en marge d\u2019une c\u00e9r\u00e9monie de remise de camions frigorifiques financ\u00e9s par le Projet d\u2019appui \u00e0 l\u2019entreprenariat f\u00e9minin et \u00e0 l\u2019emploi des jeunes (PADEJ-EJ) \u00e0 des GIE de femmes d\u2019Elinkine et d\u2019Ad\u00e9ane (Ziguinchor, Sud). Ces v\u00e9hicules sont financ\u00e9s&nbsp; \u00e0 travers le produit \u2018\u2019mourabaha\u2019\u2019, dans le cadre d\u2019une ligne de cr\u00e9dit finance islamique, log\u00e9e au CMS.<\/p>\n<p>Le PADEF-EJ qui a b\u00e9n\u00e9fici\u00e9 d\u2019une enveloppe de 4,5 milliards&nbsp; de FCFA de la part de la Banque islamique de d\u00e9veloppement (BID), octroie des cr\u00e9dit de moins de 500.000 \u00e0 50 millions de FCFA, selon la taille de l\u2019entreprise.<\/p>\n<p>Selon Sarr, la CMS va sensibiliser les avantages de ce mode de financement, pour amener les soci\u00e9taires qui le souhaitent \u00e0 l\u2019utiliser.<\/p>\n<p>La finance islamique reste assez nouvelle au S\u00e9n\u00e9gal, m\u00eame si depuis cinq ans, beaucoup de banques commencent \u00e0 s\u2019y mettre. Le CMS s\u2019est inscrite dans cette tendance, nommant un responsable sp\u00e9cialiste de la finance islamique pour satisfaire ses soci\u00e9taires qui en demandent.<\/p>\n<p>La finance islamique, notamment \u00e0 travers le produit \u2018\u2019mourabaha\u2019\u2019, a comme avantage de s\u00e9curiser le financement re\u00e7u et d\u2019\u00e9viter tout d\u00e9tournement d\u2019objectif, puisque le b\u00e9n\u00e9ficiaire du cr\u00e9dit ne re\u00e7oit pas directement l\u2019argent, mais plut\u00f4t l\u2019\u00e9quipement dont il a besoin et qui lui est c\u00e9d\u00e9 \u00e0 cr\u00e9dit, avec une marge b\u00e9n\u00e9ficiaire.<\/p>\n<p>La finance islamique finance des activit\u00e9s conformes \u00e0 la charia, m\u00eame si elle est ouverte aux personnes de toutes confessions, a relev\u00e9 Mame Thierno Gu\u00e8ye, notant que les places financi\u00e8res comme Londres sont celles qui utilisent le plus ce type de financement.<\/p>\n<p>Le cr\u00e9dit mutuel du S\u00e9n\u00e9gal (CMS) a octroy\u00e9 plus de 35 milliards en cr\u00e9dit durant ces sept derni\u00e8res ann\u00e9es dans la r\u00e9gion de Thi\u00e8s, a indiqu\u00e9 son directeur r\u00e9gional. Si l\u2019on prend en compte les encours de cr\u00e9dit depuis l\u2019implantation des premi\u00e8res caisses du CMS, en 1995, ce montant atteindra les centaines de milliards, a-t-il pr\u00e9cis\u00e9. &nbsp;A l\u2019\u00e9chelle nationale les encours de cr\u00e9dit du CMS sont de l\u2019ordre 150 milliards de FCFA.<\/p>\n<p>La direction r\u00e9gionale du CMS de Thi\u00e8s couvre les r\u00e9gions de Thi\u00e8s et Diourbel, r\u00e9parties en trois zones : Thi\u00e8s, Mbour et le Baol.<\/p>\n<p><strong>(APS)<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le Cr\u00e9dit mutuel du S\u00e9n\u00e9gal (CMS) entend vulgariser aupr\u00e8s de ses soci\u00e9taires, la finance islamique, qui reste insuffisamment utilis\u00e9e dans la r\u00e9gion de Thi\u00e8s, malgr\u00e9&#8230;<\/p>\n","protected":false},"author":1,"featured_media":4606,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[23,8],"tags":[],"class_list":["post-4602","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-actualite-economique","wpcat-23-id","wpcat-8-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - 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