Banques Participatives et Promotion de l’Entrepreneuriat via le (Crowdequity) : Le Modèle (S-MM-C)

Abderrazzak Elmeziane

doi:10.12816/0038506

Article Details

Banques Participatives et Promotion de l’Entrepreneuriat via le (Crowdequity) : Le Modèle (S-MM-C)

Authors:

Abderrazzak Elmeziane

Publisher:

Moroccan Institute of Scientific and Technical Information

Main Topics:

Islam, Bábism & Bahá"í Faith

Journal:

Researches and Applications in Islamic Finance 2017 Vol.1 Issue 2, pp.182-191

Document Type:

Article

Publication Date:

7/2017

Document Language:

French

Document ID (Org No.):

105283

Frequency:

Quarterly

eISSN:

25090224

DOI:

10.12816/0038506

Descriptors:

Keywords:

Abstract:

 Issu de la pratique du Crowdsourcing, le Crowdfunding désigne l’activité de financement (funding) faisant appel à la foule (crowd). Il s’agit d’un financement participatif auquel recourent les entrepreneurs n’ayant pas pu avoir accès au financement bancaire classique en faisant appel à des contributeurs via des plates-formes internet. Toutefois, le crowdfunding demeure limité tant par les montants mobilisés que par la méfiance du large public. Dans ce contexte, les banques participatives peuvent capitaliser sur leurs potentialités (économies d’échelle, capital confiance et sympathie du public) pour tirer profit de cette industrie financière portée par la mouvance du fintech. Le présent papier se veut un plaidoyer en faveur de l’émergence de telles banques participatives capables de porter l’idéal des plates-formes de crowdfunding en le combinant avec leur savoir-faire reconnu pour initier des projets innovateurs à forte valeur ajoutée pour l’économie nationale. Pour ce faire, le papier propose un modèle de produit financier participatif combinant «Bai Salam », « Moucharaka Moutanakissa », et Crowdequity (Modèle S-MM-C).

 Crowdfunding is the result of Crowdsourcing practice and refers to crowd-based funding. This is a form of participatory financing used by entrepreneurs who have not been able to access conventional bank financing by using contributors via Internet platforms. However, crowdfunding remains limited due to the amounts mobilized and by the mistrust of the public. In this context, participative banks can capitalize on their potential (economies of scale, trust capital and public sympathy) in order to benefit from this financial industry, driven by the fintech movement. This paper advocates for the emergence of such participatory banks capable of bringing the ideal of the crowdfunding platforms in combination with their recognized know-how to initiate innovative projects with high added value to our national economy.

Article Details

Banques Participatives et Promotion de l’Entrepreneuriat via le (Crowdequity) : Le Modèle (S-MM-C)

Authors:

Abderrazzak Elmeziane

Publisher:

Moroccan Institute of Scientific and Technical Information

Main Topics:

Islam, Bábism & Bahá"í Faith

Journal:

Researches and Applications in Islamic Finance 2017 Vol.1 Issue 2, pp.182-191

Document Type:

Article

Publication Date:

7/2017

Document Language:

French

Document ID (Org No.):

105283

Frequency:

Quarterly

eISSN:

25090224

DOI:

10.12816/0038506

Descriptors:

COFINANCING

ISLAMIC BANKS

ISLAMIC BANKING

INVESTMENT PROJECTS

ECONOMIC DEVELOPMENT

MOROCCO

Banques Participatives

Crowdequity

Entrepreneuriat

Modèle (S-MM-C)

Participatory Banks

Crowdequity

Entrepreneurship

(S-MM-C) Model

Issues

Article Details

Authors: Abderrazzak Elmeziane

Publisher: Moroccan Institute of Scientific and Technical Information

Main Topics: Islam, Bábism & Bahá"í Faith

Journal: Researches and Applications in Islamic Finance 2017 Vol.1 Issue 2, pp.182-191

Document Type: Article

Publication Date: 7/2017

Document Language: French

Document ID (Org No.): 105283

Frequency: Quarterly

eISSN: 25090224

DOI: 10.12816/0038506

Descriptors:

Issues

Authors:

Abderrazzak Elmeziane

Publisher:

Moroccan Institute of Scientific and Technical Information

Main Topics:

Islam, Bábism & Bahá"í Faith

Journal:

Researches and Applications in Islamic Finance 2017 Vol.1 Issue 2, pp.182-191

Document Type:

Article

Publication Date:

7/2017

Document Language:

French

Document ID (Org No.):

105283

Frequency:

Quarterly

eISSN:

25090224

DOI:

10.12816/0038506