{"id":581,"date":"2021-01-11T20:56:45","date_gmt":"2021-01-11T20:56:45","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=581"},"modified":"2021-01-11T20:57:03","modified_gmt":"2021-01-11T20:57:03","slug":"la-finance-islamique-valorisee-a-3700-milliards-en-2024-une-opportunite-pour-lafrique","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=581","title":{"rendered":"La finance islamique valoris\u00e9e \u00e0 3700 milliards $ en 2024 : une opportunit\u00e9 pour l\u2019Afrique"},"content":{"rendered":"<p><strong>La difficult\u00e9 pour l\u2019Afrique d\u2019acc\u00e9der aux march\u00e9s financiers classiques constitue une opportunit\u00e9 de croissance pour la finance islamique sur le continent. Le secteur cro\u00eet rapidement dans le monde, mais avec ses 53% de musulmans, l\u2019Afrique peine \u00e0 en tirer profit.<\/strong><\/p>\n<p>Les actifs de la finance islamique pourraient atteindre 3700 milliards&nbsp;$ d&rsquo;ici 2024, apprend-on d&rsquo;une estimation faite par la Soci\u00e9t\u00e9 islamique de financement du d\u00e9veloppement et Refinitiv, la branche du groupe <em>Reuters <\/em>sp\u00e9cialis\u00e9e dans les donn\u00e9es.<\/p>\n<p>D\u00e9j\u00e0 \u00e0 fin 2019, la valeur globale de ces actifs gouvern\u00e9s par les lois \u00e9conomiques de la religion musulmane atteignait 2875 milliards&nbsp;$, dont 69% concentr\u00e9s dans le cadre du secteur bancaire.<\/p>\n<p>Sur la p\u00e9riode allant de 2012 \u00e0 2019, les actifs financiers islamiques ont bondi de 63,25%. Apr\u00e8s les banques, les \u00e9l\u00e9ments qui comptent dans le secteur sont les obligations (titres d&#8217;emprunts) \u00e9mises selon les r\u00e8gles islamiques.<\/p>\n<p>Elles absorbent 16% du total des actifs. Mais il existe une opportunit\u00e9 de croissance en mati\u00e8re de fonds d&rsquo;investissement islamique. Ils ne p\u00e8sent que pour 5% de l&rsquo;actif global de 140 milliards&nbsp;$. Le secteur du takaful (assurance islamique) est le petit dernier, avec une part de 3% pour seulement 51 milliards&nbsp;$ d&rsquo;actifs.<\/p>\n<p>A fin 2019, on retrouvait les activit\u00e9s de finance islamique dans une cinquantaine de pays particuli\u00e8rement du Moyen-Orient et d&rsquo;Afrique, o\u00f9 existe une r\u00e9gulation sur les produits financiers qui y sont conformes. Le secteur est de plus en plus couvert dans les m\u00e9dias. Pr\u00e8s de 13&nbsp;000 actualit\u00e9s parlant de finance islamique ont \u00e9t\u00e9 recens\u00e9es en 2019.<\/p>\n<p>Ce d\u00e9veloppement peut \u00eatre per\u00e7u comme une opportunit\u00e9 pour l&rsquo;Afrique qui peine \u00e0 canaliser suffisamment de ressources financi\u00e8res sur les march\u00e9s financiers occidentaux ou asiatiques. Selon la firme de conseil juridique White &amp; Case, le continent noir est pr\u00e9dispos\u00e9 \u00e0 accueillir ce mod\u00e8le de financement.<\/p>\n<p><em>\u00ab&nbsp;L&rsquo;Afrique, en particulier, est une r\u00e9gion dans laquelle la finance islamique pourrait et en fait, devrait prosp\u00e9rer. Le continent compte une population musulmane d&rsquo;environ 636 millions, soit pr\u00e8s de 53% des Africains&nbsp;\u00bb, <\/em>a-t-elle fait remarquer dans une <a href=\"https:\/\/www.whitecase.com\/publications\/insight\/islamic-finance-africa-opportunities-and-challenges#:~:text=Africa%2C%20in%20particular%2C%20is%20a,almost%2053%20percent%20of%20Africans.&amp;text=Nigeria%2C%20Tunisia%20and%20South%20Africa,takaful%20(Islamic%20insurance)%20companies.\">analyse effectu\u00e9e<\/a> en septembre 2018.<\/p>\n<p>Cependant, la marge de croissance demeure importante. <em>\u00ab&nbsp;La banque islamique a peu progress\u00e9 en Afrique malgr\u00e9 l&rsquo;importante population musulmane du continent. L&rsquo;Afrique subsaharienne compte environ 16% de la population musulmane mondiale, mais ses actifs bancaires conformes \u00e0 la charia ne repr\u00e9sentent qu&rsquo;environ 1% des actifs bancaires islamiques mondiaux&nbsp;\u00bb,<\/em> a fait remarquer l&rsquo;agence de notation Moody&rsquo;s, dans un <a href=\"https:\/\/www.moodys.com\/newsandevents\/topics\/Islamic-Finance-007007\/reports?region=Africa_reg\"><strong>rapport publi\u00e9<\/strong><\/a> le 2 novembre 2020.<\/p>\n<p>Parmi les d\u00e9fis de la finance islamique en Afrique, on retrouve de faibles niveaux d&rsquo;inclusion bancaire, une faible sensibilisation du public, une \u00e9pargne int\u00e9rieure limit\u00e9e et &#8211; jusqu&rsquo;\u00e0 r\u00e9cemment &#8211; une faible attention des gouvernements.<\/p>\n<p>Mais les choses changent toujours, selon Moody&rsquo;s. Dans des pays comme le S\u00e9n\u00e9gal, le Maroc, le Soudan, le Nigeria, l&rsquo;Egypte ou encore l&rsquo;Afrique du Sud, une population fortement islamis\u00e9e constitue une niche de croissance.<\/p>\n<p>Source&nbsp;: <strong>(Agence Ecofin)<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La difficult\u00e9 pour l\u2019Afrique d\u2019acc\u00e9der aux march\u00e9s financiers classiques constitue une opportunit\u00e9 de croissance pour la finance islamique sur le continent. Le secteur cro\u00eet rapidement&#8230;<\/p>\n","protected":false},"author":1,"featured_media":582,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8,10],"tags":[],"class_list":["post-581","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite-economique","category-infos-eco","wpcat-8-id","wpcat-10-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La finance islamique valoris\u00e9e \u00e0 3700 milliards $ en 2024 : une opportunit\u00e9 pour l\u2019Afrique - challenges economiques<\/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:\/\/challengeseconomiques.com\/?p=581\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La finance islamique valoris\u00e9e \u00e0 3700 milliards $ en 2024 : une opportunit\u00e9 pour l\u2019Afrique - challenges economiques\" \/>\n<meta property=\"og:description\" content=\"La difficult\u00e9 pour l\u2019Afrique d\u2019acc\u00e9der aux march\u00e9s financiers classiques constitue une opportunit\u00e9 de croissance pour la finance islamique sur le continent. Le secteur cro\u00eet rapidement...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/challengeseconomiques.com\/?p=581\" \/>\n<meta property=\"og:site_name\" content=\"challenges economiques\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-11T20:56:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-01-11T20:57:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/01\/fislamique.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"620\" \/>\n\t<meta property=\"og:image:height\" content=\"330\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/challengeseconomiques.com\/?p=581#article\",\"isPartOf\":{\"@id\":\"https:\/\/challengeseconomiques.com\/?p=581\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/challengeseconomiques.com\/#\/schema\/person\/b4568c9afebc5a9238a771873801e349\"},\"headline\":\"La finance islamique valoris\u00e9e \u00e0 3700 milliards $ en 2024 : une opportunit\u00e9 pour l\u2019Afrique\",\"datePublished\":\"2021-01-11T20:56:45+00:00\",\"dateModified\":\"2021-01-11T20:57:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/challengeseconomiques.com\/?p=581\"},\"wordCount\":528,\"image\":{\"@id\":\"https:\/\/challengeseconomiques.com\/?p=581#primaryimage\"},\"thumbnailUrl\":\"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/01\/fislamique.jpg\",\"articleSection\":[\"Actualit\u00e9 \u00e9conomique\",\"Infos \u00e9co\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/challengeseconomiques.com\/?p=581\",\"url\":\"https:\/\/challengeseconomiques.com\/?p=581\",\"name\":\"La finance islamique valoris\u00e9e \u00e0 3700 milliards $ en 2024 : une opportunit\u00e9 pour l\u2019Afrique - challenges economiques\",\"isPartOf\":{\"@id\":\"https:\/\/challengeseconomiques.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/challengeseconomiques.com\/?p=581#primaryimage\"},\"image\":{\"@id\":\"https:\/\/challengeseconomiques.com\/?p=581#primaryimage\"},\"thumbnailUrl\":\"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/01\/fislamique.jpg\",\"datePublished\":\"2021-01-11T20:56:45+00:00\",\"dateModified\":\"2021-01-11T20:57:03+00:00\",\"author\":{\"@id\":\"https:\/\/challengeseconomiques.com\/#\/schema\/person\/b4568c9afebc5a9238a771873801e349\"},\"breadcrumb\":{\"@id\":\"https:\/\/challengeseconomiques.com\/?p=581#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/challengeseconomiques.com\/?p=581\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/challengeseconomiques.com\/?p=581#primaryimage\",\"url\":\"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/01\/fislamique.jpg\",\"contentUrl\":\"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/01\/fislamique.jpg\",\"width\":620,\"height\":330},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/challengeseconomiques.com\/?p=581#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/challengeseconomiques.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"La finance islamique valoris\u00e9e \u00e0 3700 milliards $ en 2024 : une opportunit\u00e9 pour l\u2019Afrique\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/challengeseconomiques.com\/#website\",\"url\":\"https:\/\/challengeseconomiques.com\/\",\"name\":\"challenges economiques\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/challengeseconomiques.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/challengeseconomiques.com\/#\/schema\/person\/b4568c9afebc5a9238a771873801e349\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/challengeseconomiques.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/099e42240b5eea11acdb72751fcce0dd918603f0749d24974b7984ea47ed9fd9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/099e42240b5eea11acdb72751fcce0dd918603f0749d24974b7984ea47ed9fd9?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/challengeseconomiques.com\"],\"url\":\"https:\/\/challengeseconomiques.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"La finance islamique valoris\u00e9e \u00e0 3700 milliards $ en 2024 : une opportunit\u00e9 pour l\u2019Afrique - challenges economiques","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/challengeseconomiques.com\/?p=581","og_locale":"fr_FR","og_type":"article","og_title":"La finance islamique valoris\u00e9e \u00e0 3700 milliards $ en 2024 : une opportunit\u00e9 pour l\u2019Afrique - challenges economiques","og_description":"La difficult\u00e9 pour l\u2019Afrique d\u2019acc\u00e9der aux march\u00e9s financiers classiques constitue une opportunit\u00e9 de croissance pour la finance islamique sur le continent. Le secteur cro\u00eet rapidement...","og_url":"https:\/\/challengeseconomiques.com\/?p=581","og_site_name":"challenges economiques","article_published_time":"2021-01-11T20:56:45+00:00","article_modified_time":"2021-01-11T20:57:03+00:00","og_image":[{"width":620,"height":330,"url":"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/01\/fislamique.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"admin","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/challengeseconomiques.com\/?p=581#article","isPartOf":{"@id":"https:\/\/challengeseconomiques.com\/?p=581"},"author":{"name":"admin","@id":"https:\/\/challengeseconomiques.com\/#\/schema\/person\/b4568c9afebc5a9238a771873801e349"},"headline":"La finance islamique valoris\u00e9e \u00e0 3700 milliards $ en 2024 : une opportunit\u00e9 pour l\u2019Afrique","datePublished":"2021-01-11T20:56:45+00:00","dateModified":"2021-01-11T20:57:03+00:00","mainEntityOfPage":{"@id":"https:\/\/challengeseconomiques.com\/?p=581"},"wordCount":528,"image":{"@id":"https:\/\/challengeseconomiques.com\/?p=581#primaryimage"},"thumbnailUrl":"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/01\/fislamique.jpg","articleSection":["Actualit\u00e9 \u00e9conomique","Infos \u00e9co"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/challengeseconomiques.com\/?p=581","url":"https:\/\/challengeseconomiques.com\/?p=581","name":"La finance islamique valoris\u00e9e \u00e0 3700 milliards $ en 2024 : une opportunit\u00e9 pour l\u2019Afrique - challenges economiques","isPartOf":{"@id":"https:\/\/challengeseconomiques.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/challengeseconomiques.com\/?p=581#primaryimage"},"image":{"@id":"https:\/\/challengeseconomiques.com\/?p=581#primaryimage"},"thumbnailUrl":"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/01\/fislamique.jpg","datePublished":"2021-01-11T20:56:45+00:00","dateModified":"2021-01-11T20:57:03+00:00","author":{"@id":"https:\/\/challengeseconomiques.com\/#\/schema\/person\/b4568c9afebc5a9238a771873801e349"},"breadcrumb":{"@id":"https:\/\/challengeseconomiques.com\/?p=581#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/challengeseconomiques.com\/?p=581"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/challengeseconomiques.com\/?p=581#primaryimage","url":"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/01\/fislamique.jpg","contentUrl":"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/01\/fislamique.jpg","width":620,"height":330},{"@type":"BreadcrumbList","@id":"https:\/\/challengeseconomiques.com\/?p=581#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/challengeseconomiques.com\/"},{"@type":"ListItem","position":2,"name":"La finance islamique valoris\u00e9e \u00e0 3700 milliards $ en 2024 : une opportunit\u00e9 pour l\u2019Afrique"}]},{"@type":"WebSite","@id":"https:\/\/challengeseconomiques.com\/#website","url":"https:\/\/challengeseconomiques.com\/","name":"challenges economiques","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/challengeseconomiques.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/challengeseconomiques.com\/#\/schema\/person\/b4568c9afebc5a9238a771873801e349","name":"admin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/challengeseconomiques.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/099e42240b5eea11acdb72751fcce0dd918603f0749d24974b7984ea47ed9fd9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/099e42240b5eea11acdb72751fcce0dd918603f0749d24974b7984ea47ed9fd9?s=96&d=mm&r=g","caption":"admin"},"sameAs":["https:\/\/challengeseconomiques.com"],"url":"https:\/\/challengeseconomiques.com\/?author=1"}]}},"jetpack_featured_media_url":"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2021\/01\/fislamique.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/posts\/581","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=581"}],"version-history":[{"count":2,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/posts\/581\/revisions"}],"predecessor-version":[{"id":584,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/posts\/581\/revisions\/584"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=\/wp\/v2\/media\/582"}],"wp:attachment":[{"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=581"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=581"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/challengeseconomiques.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=581"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}