FINANCING

Credit Moukawalati
1 Who is eligible?
 To benefit from this program, it must be:
- Being of Moroccan nationality.
- Being aged between 20 and 45 years.
- Being a graduate of Bachelor, Baccalaureate and more, or have a diploma in vocational training
2 .  And if we are more SOMEONE?
 A maximum of two persons can join bringing the project to an investment amount less than or equal to 500,000 DH.
3 .  IN summarizes, WHAT CAN I BENEFIT?
 "Moukawalati" allows you to enjoy the following benefits:
1. You will be accompanied during 3 phases:
o - Before starting your business, ie during market research, engineering and especially the mounting of your Business Plan. The goal is that you can get to the bank of your choice with a good record on funding for it grants you credit. If have your own funding, this study will have served to start your business.
o - During the critical start-up phase, ie first when you are negotiating with the bank, Moukawalati can help to correct your business plan.. In this critical phase, Moukawalati follows you for all formalities, but is not for you.
o Moukawalati accompany you for 12 months after the creation of your business. It monitors for making diagnoses and see what are the strengths and weaknesses of your business.
2.Moukawalati facilitates access to credit, because all the people who pass through its circuit can enjoy two important measures the level of funding:
o - Advance without interest amounting to a maximum of 10% of the investment, and limited to DH 15.000,00 repayable over six (6) years including three (3) grace;
o - The security of your credit by the State to the tune of 85%, this guarantee is delegated to banks which will make their response times will be much shorter because the files must not go back to Rabat to be treated.
 To benefit from these measures, you must go through a screening and selection, the goal is not to take exams, they are just talks so that we ensure that you are motivated and especially you know what you want.
4.  WHERE ARE PAST THE ACCOMPANYING?
. That's the novelty of "Moukawalati" we are putting across Morocco and a gradual GUICHETS MOUKAWALATI.
• It's your single,
• In this space you will be able to sign up, trained and be accompanied
5.  ADVANCE AND THE CREDIT IS ALSO THE WINDOW?
 All funding decisions are taken at the bank. So the decision to grant or not you advance, to give you credit or not, it is at the bank.
6. WHEREAS THIS IS are one or several banks?
There are several banks which you can submit your choice . You can get a list from your desk MOUKAWALATI.
7. THE RIGHT TO BENEFIT OF SCHEDULE SEVERAL TIMES?
In fact, everything depends on what stage you left MOUKAWALATI:
• If you have failed during the pre-level window, you can not return to the same window or to another before the period of one (1) month.
• If you have failed during the selection phase, which takes place at a selection committee of the Regional Centre investment, you can not return to the same window or to another before the period of three (3) months .
• If you have been selected, you started coaching and that you left deliberately or that the bank has refused definitively your project, you can not enjoy a 2nd time.
8. s it that places are limited, Is there any quotas?
 Moukawalati does not work this way is a government program to create 30,000 businesses, and therefore there is room for many people and for 3 more years.
 The only thing that matters is that your ideas are well thought out and you're motivated to achieve your goal: to create your own business.