‫ﺼﺤﻴﻔﺔ ﺒﻴﺎﻨﺎﺕ ��ﺴﻴﺎﺴﺎﺕ ��ﻭﻗﺎﺌﻴﺔ ��ﻤﺘﻜﺎﻤﻠﺔ‬ ‫ﻤﺭﺤﻠﺔ ﺘﺤﺩﻴﺩ ��ﻤﻔﺎﻫﻴﻡ‬ ‫.‬ ‫033‪ISDSC‬‬ ‫ﺭﻗﻡ ��ﺘﻘﺭﻴﺭ:‬ ‫4 ﻴﻨﺎﻴﺭ/ﻜﺎﻨﻭﻥ ��ﺜﺎﻨﻲ 2102‬ ‫ﺘﺎﺭﻴﺦ ﺇﻋﺩ�ﺩ/ﺘﺤﺩﻴﺙ ��ﺼﺤﻴﻔﺔ:‬ ‫1. ﻤﻌﻠﻭﻤﺎﺕ ﺃﺴﺎﺴﻴﺔ‬ ‫ﺃ�ﻑ. ��ﺒﻴﺎﻨﺎﺕ �ﻷﺴﺎﺴﻴﺔ �ﻠﻤﺸﺭﻭﻉ‬ ‫623921‪P‬‬ ‫��ﺭﻗﻡ ��ﺘﻌﺭﻴﻔﻲ �ﻠﻤﺸﺭﻭﻉ:‬ ‫��ﻤ�ﺭ�‬ ‫��ﺒﻠﺩ:‬ ‫ﻤﺸﺭﻭﻉ ﺘ�ﻭﻴﺭ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ ﻓﻲ ��ﻤ�ﺭ� )623921‪(P‬‬ ‫�ﺴﻡ ��ﻤﺸﺭﻭﻉ:‬ ‫ﺘﻴﻤﻭﺭ ﻋﺒﺩ ��ﻌﺯﻴﺯ‬ ‫ﺭﺌﻴﺱ ﻓﺭﻴﻕ ��ﻌﻤل:‬ ‫42 ﺃﺒﺭﻴل/ﻨﻴﺴﺎﻥ 2102‬ ‫��ﺘﺎﺭﻴﺦ ��ﺘﻘﺩﻴﺭﻱ �ﻠﻌﺭﺽ ﻋﻠﻰ ﻤﺠﻠﺱ‬ ‫51 ﻓﺒﺭ�ﻴﺭ/ﺸﺒﺎ� 2102‬ ‫��ﺘﺎﺭﻴﺦ ��ﺘﻘﺩﻴﺭﻱ �ﻠﺘﻘﻴﻴﻡ:‬ ‫��ﻤﺩﻴﺭﻴﻥ ��ﺘﻨﻔﻴﺫﻴﻴﻥ:‬ ‫ﻗﺭﺽ ﺒﺭﻨﺎﻤﺞ ﻗﺎﺒل �ﻠﺘﻌﺩﻴل‬ ‫ﺃﺩ�ﺓ �ﻹﻗﺭ�ﺽ:‬ ‫ﻭﺤﺩﺓ ﺘﻨﻤﻴﺔ ��ﻘ�ﺎﻉ ��ﻤﺎ�ﻲ‬ ‫ﻭﺤﺩﺓ �ﻹﺩ�ﺭﺓ:‬ ‫ﻭ��ﻘ�ﺎﻉ ��ﺨﺎﺹ )1‪(MNSF‬‬ ‫ﺘﻤﻭﻴل ��ﻤﺸﺭﻭﻋﺎﺕ ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ )05%(، ﺘﻤﻭﻴل ﺃﺼ�ﺭ )05%(‬ ‫��ﻘ�ﺎﻉ:‬ ‫ﻤﺴﺎﻨﺩﺓ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ )001%(‬ ‫��ﻤﻭﻀﻭﻉ:‬ ‫��ﺘﻤﻭﻴل )ﺒﻤﻼﻴﻴﻥ ��ﺩﻭﻻﺭ�ﺕ �ﻷﻤﺭﻴﻜﻴﺔ(‬ ‫��ﻤﺒﻠﻎ‬ ‫ﻤﺼﺩﺭ ��ﺘﻤﻭﻴل‬ ‫00.0‬ ‫��ﺒﻠﺩ ��ﻤﻘﺘﺭﺽ‬ ‫00.05‬ ‫��ﺒﻨﻙ ��ﺩﻭ�ﻲ �ﻺﻨﺸﺎﺀ ﻭ��ﺘﻌﻤﻴﺭ‬ ‫00.05‬ ‫��ﺒﻨﻙ �ﻷﻓﺭﻴﻘﻲ �ﻠﺘﻨﻤﻴﺔ‬ ‫00.001‬ ‫��ﻤﺠﻤﻭﻉ‬ ‫ﻭ ـ ﺘﻘﻴﻴﻡ ��ﻭﺴﺎ�ﺔ ��ﻤﺎ�ﻴﺔ‬ ‫ﻓﺌﺔ ��ﺘﺼﻨﻴﻑ ��ﺒﻴﺌﻲ:‬ ‫ﻻ‬ ‫ﻫل ﻫﺫ� ��ﻤﺸﺭﻭﻉ ﻤﺘﻜﺭﺭ؟‬ ‫.‬ ‫ﺒﺎﺀ. ﺃﻫﺩ�ﻑ ��ﻤﺸﺭﻭﻉ‬ ‫ﻫﺩﻑ )ﺃﻫﺩ�ﻑ( ��ﻤﺸﺭﻭﻉ ��ﻤﻘﺘﺭﺡ‬ ‫ﺃ�ﻑ.‬ ‫ﻴﺘﻡ ﻋﺭﺽ �ﻷﻫﺩ�ﻑ �ﻹﻨﻤﺎﺌﻴﺔ �ﻬﺫ� ��ﻤﺸﺭﻭﻉ ﻋﻠﻰ ﺜﻼﺜﺔ ﻤﺴﺘﻭﻴﺎﺕ. ﻭﻴﺘﻴﺢ ﺼﻨﺩﻭﻕ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ �ﻹ�ﺎﺭ ��ﺨﺎﺹ ﺒﻘﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل‬ ‫�ﻠﺘﻌﺩﻴل ��ﺫﻱ ﻗﺎﻡ ﺒﺎﺴﺘﻌﺭ�ﻀﻪ ﻤﺠﻠﺱ ��ﻤﺩﻴﺭﻴﻥ ��ﺘﻨﻔﻴﺫﻴﻴﻥ ﻓﻲ 41 ﻴﻭ�ﻴﻭ/ﺘﻤﻭﺯ 1102 ﺃﺜﻨﺎﺀ ﻋﺭﺽ ��ﻘﺭﺽ �ﻷﻭل �ﺘﻭﻨﺱ )ﻤﺸﺭﻭﻉ ﺘﻨﻤﻴﺔ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ‬ ‫ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ(. ﻭﻜﻤﺎ ﻭﺭﺩ ﻓﻲ ﻭﺜﻴﻘﺔ ��ﺘﻘﻴﻴﻡ ��ﻤﺴﺒﻕ �ﻤﺸﺭﻭﻉ ﺘ�ﻭﻴﺭ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ ﻓﻲ ﺘﻭﻨﺱ، ﺴﻴﺘﻡ ﻋﺭﺽ ��ﻘﺭﺽ ��ﻤﻘﺘﺭﺡ‬ ‫�ﻠﻤ�ﺭ� )ﻗﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل �ﻠﺘﻌﺩﻴل 2( ﻋﻠﻰ ﻨﺎﺌﺒﺔ ﺭﺌﻴﺱ ��ﺒﻨﻙ �ﻤﻨ�ﻘﺔ ��ﺸﺭﻕ �ﻷﻭﺴ� ﻭﺸﻤﺎل ﺃﻓﺭﻴﻘﻴﺎ �ﻠﻤﻭ�ﻓﻘﺔ، ﻭﻋﻠﻰ ﻤﺠﻠﺱ ��ﻤﺩﻴﺭﻴﻥ ��ﺘﻨﻔﻴﺫﻴﻴﻥ ﻋﻠﻰ ﺃﺴﺎﺱ ﻋﺩﻡ‬ ‫��ﻤﻤﺎﻨﻌﺔ:‬ ‫ﺼﻨﺩﻭﻕ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ: ﺘﺤﻔﻴﺯ ��ﺘﻤﻭﻴل، ﻭﺘﻘﺎﺴﻡ ��ﻤﺨﺎ�ﺭ، ﻭ��ﻤﺴﺎﻋﺩﺓ ��ﻔﻨﻴﺔ �ﻠﺘ�ﻠ� ﻋﻠﻰ ��ﻤﻌﻭﻗﺎﺕ ��ﺨﺎﺼﺔ ﺒﺎ�ﺴﻴﺎﺴﺎﺕ‬ ‫•‬ ‫ﻭ��ﻤﻌﻭﻗﺎﺕ ��ﻘﺎﻨﻭﻨﻴﺔ ﻭ��ﻤﺅﺴﺴﻴﺔ ﻭﺘﻠﻙ ��ﺨﺎﺼﺔ ﺒﺒﻨﺎﺀ ��ﻘﺩﺭ�ﺕ ﻭﻜﺫ�ﻙ ��ﻤﻌﻭﻗﺎﺕ ��ﺘﻲ ﺘﺤﻭل ﺩﻭﻥ ﺘﻭ�ﻓﺭ ��ﻤﻌﻠﻭﻤﺎﺕ ﻭ��ﺘﻲ ﺘﻌﻭﻕ ﻭﺼﻭل ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ‬ ‫ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ ﺇ�ﻰ ��ﺘﻤﻭﻴل ﻓﻲ ﻤﻨ�ﻘﺔ ��ﺸﺭﻕ �ﻷﻭﺴ� ﻭﺸﻤﺎل ﺃﻓﺭﻴﻘﻴﺎ، ﻭﻤﻥ ﺜﻡ ��ﻌﻤل ﻋﻠﻰ ﺘﺩﻋﻴﻡ ﺃﻭﺠﻪ ��ﺘﺤﺴﻥ ﻓﻲ ﺇﻴﺠﺎﺩ ﻓﺭﺹ ﻋﻤل �ﺩﻯ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل‬ ‫��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ ﻭﺯﻴﺎﺩﺓ ��ﻘﺩﺭﺓ ��ﺘﻨﺎﻓﺴﻴﺔ �ﻬﺫﻩ ��ﻤﺅﺴﺴﺎﺕ ﻭﺘﺤﺴﻴﻥ ﺩﺨﻭ�ﻬﺎ.‬ ‫ﻗﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل �ﻠﺘﻌﺩﻴل )‪ :(APL‬ﺘﺤﺴﻴﻥ ﺴﺒل ��ﻭﺼﻭل ﺇ�ﻰ ��ﺘﻤﻭﻴل ﻤﻥ ﺃﺠل ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ ﻓﻲ ﻤﻨ�ﻘﺔ ��ﺸﺭﻕ‬ ‫•‬ ‫�ﻷﻭﺴ� ﻭﺸﻤﺎل ﺃﻓﺭﻴﻘﻴﺎ. ﻴﻤﺜل ﻗﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل �ﻠﺘﻌﺩﻴل ��ﻴﺔ ��ﺘﻤﻭﻴل �ﺩﻯ ��ﺒﻨﻙ ��ﺩﻭ�ﻲ �ﻺﻨﺸﺎﺀ ﻭ��ﺘﻌﻤﻴﺭ ﻤﻥ ﺃﺠل ﺼﻨﺩﻭﻕ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ‬ ‫ﻭ��ﻤﺘﻭﺴ�ﺔ.‬ ‫ﻗﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل �ﻠﺘﻌﺩﻴل 2 )��ﻤ�ﺭ�(: ﺘﺤﺴﻴﻥ ﺴﺒل ��ﻭﺼﻭل ﺇ�ﻰ ��ﺘﻤﻭﻴل ﺃﻤﺎﻡ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ ﻓﻲ ��ﻤ�ﺭ�.‬ ‫•‬ ‫��ﻤﻨﺘﻔﻌﻭﻥ ﺒﺎ�ﻤﺸﺭﻭﻉ:‬ ‫ﺘﻌﺘﺒﺭ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ ﻫﻲ �ﻷ�ﺭ�ﻑ ��ﻤﺴﺘﻔﻴﺩﺓ ��ﻨﻬﺎﺌﻴﺔ ﻤﻥ ﺼﻨﺩﻭﻕ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ. ﻭﺜﻤﺔ‬ ‫.71‬ ‫ﹰ‬ ‫ﺘﻌﺭﻴﻑ ﺃﻭﺴﻊ ﻨ�ﺎﻗﺎ �ﻠﻤﺴﺘﻔﻴﺩﻴﻥ ﻴﺸﻤل ��ﺤﻜﻭﻤﺎﺕ ﻭ��ﺠﻬﺎﺕ ��ﺘﻨﻅﻴﻤﻴﺔ ﻭ��ﻤﺅﺴﺴﺎﺕ ��ﻤﺎ�ﻴﺔ ��ﻤﺴﺘﻔﻴﺩﺓ ﻤﻥ ��ﻤﺴﺎﻋﺩﺓ ��ﻔﻨﻴﺔ. ﻭﺴﺘﻜﻭﻥ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ‬ ‫ﻭ��ﻤﺘﻭﺴ�ﺔ ﻫﻲ �ﻷ�ﺭ�ﻑ ��ﻤﺴﺘﻔﻴﺩﺓ ��ﻨﻬﺎﺌﻴﺔ ﻤﻥ ﻗﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل �ﻠﺘﻌﺩﻴل ﻋﻠﻰ ﻤﺴﺘﻭﻯ ��ﻤﻨ�ﻘﺔ ﻤﻊ ��ﺘﺸﺩﻴﺩ ﻋﻠﻰ ��ﻤﺅﺴﺴﺎﺕ ��ﺼ�ﻴﺭﺓ �ﻠ�ﺎﻴﺔ. ﻭﺴﻴﺘﻡ ﺘﻭﺠﻴﻪ ﺘﻤﻭﻴل‬ ‫ﹰ‬ ‫ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ ﻤﻥ ﺨﻼل ﻤﺅﺴﺴﺎﺕ ﻤﺎ�ﻴﺔ ﻤﺅﻫﻠﺔ ﻭﻓﻕ ﻤﻌﺎﻴﻴﺭ ﺃﻫﻠﻴﺔ ﻤﺘﻔﻕ ﻋﻠﻴﻬﺎ ﻤﺴﺒﻘﺎ.‬ ‫.‬ ‫ﺠﻴﻡ. ﻭﺼﻑ ��ﻤﺸﺭﻭﻉ‬ ‫ﹰ‬ ‫ﻴﺄﺘﻲ ﻫﺫ� ��ﻤﺸﺭﻭﻉ ﻓﻲ ﺇ�ﺎﺭ ﺼﻨﺩﻭﻕ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ �ﻷﻜﺒﺭ ﺤﺠﻤﺎ ﺇﺫ ﻴﻬﺩﻑ ﺇ�ﻰ ﺘﻘﺩﻴﻡ ﺤﺯﻤﺔ ﺘﻤﻭﻴل ﺸﺎﻤﻠﺔ ﻭﻤﺴﺎﻋﺩﺓ ﻓﻨﻴﺔ �ﻤﻨ�ﻘﺔ ��ﺸﺭﻕ‬ ‫ﹰ‬ ‫�ﻷﻭﺴ� ﻭﺸﻤﺎل ﺃﻓﺭﻴﻘﻴﺎ ﺒﺎﻻﺸﺘﺭ�ﻙ ﻤﻊ ﻤﺅﺴﺴﺔ ��ﺘﻤﻭﻴل ��ﺩﻭ�ﻴﺔ. ﻭﻴﻤﺜل ﻗﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل �ﻠﺘﻌﺩﻴل ��ﻴﺔ ﺘﻤﻭﻴل ﺇﻗﻠﻴﻤﻴﺔ �ﻠﺒﻨﻙ ��ﺩﻭ�ﻲ �ﻺﻨﺸﺎﺀ ﻭ��ﺘﻌﻤﻴﺭ ﺘﺘﻴﺢ ﻫﻴﻜﻼ ��ﺭﺡ‬ ‫ﹰ‬ ‫ﹰ‬ ‫ﻗﺭﻭﺽ ﻭﺴﺎ�ﺔ ﻤﺎ�ﻴﺔ ﻋﻠﻰ ��ﻤﺴﺘﻭﻯ ��ﻘ�ﺭﻱ. ﻭﻤﻥ ��ﻤﻤﻜﻥ ﺃﻥ ﺘﺘﻀﻤﻥ ��ﻘﺭﻭﺽ ﻋﻠﻰ ��ﻤﺴﺘﻭﻯ ��ﻘ�ﺭﻱ ﻓﻲ ﺇ�ﺎﺭ ﻫﻴﻜل ﻗﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل �ﻠﺘﻤﻭﻴل ﻤﻜﻭﻨﺎ ﺨﺎﺼﺎ‬ ‫ﹰ‬ ‫ﺒﺘﺴﻬﻴﻼﺕ �ﺌﺘﻤﺎﻨﻴﺔ ﻭﻤﻜﻭﻨﺎ �ﺘﻘﺎﺴﻡ ��ﻤﺨﺎ�ﺭ )ﺘﺴﻬﻴﻼﺕ �ﺌﺘﻤﺎﻨﻴﺔ �ﺎﺭﺌﺔ(، ﻭﻤﻥ ﺜﻡ ﻴﻤﻜﻥ ﺘ�ﺒﻴﻕ ﺃﻨﺴ� ﺃﺩ�ﺓ ﻓﻲ ﻜل ﺴﻭﻕ �ﺘﺩﻋﻴﻡ ﺘﻤﻭﻴل ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ‬ ‫ﻭ��ﻤﺘﻭﺴ�ﺔ. ﻭﻴﻌﺘﺒﺭ ��ﻘﺭﺽ ��ﻤﻘﺘﺭﺡ �ﻠﻤ�ﺭ� ﻫﻭ ��ﻘﺭﺽ ��ﺜﺎﻨﻲ ﻤﻥ ﻗﺭﻭﺽ ��ﻭﺴﺎ�ﺔ ��ﻤﺎ�ﻴﺔ ﻓﻲ ﺇ�ﺎﺭ ﻫﻴﻜل ﻗﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل �ﻠﺘﻌﺩﻴل ﺒﻌﺩ ��ﻘﺭﺽ �ﻷﻭل ��ﺫﻱ ﺘﻡ‬ ‫ﺘﻘﺩﻴﻤﻪ �ﺘﻭﻨﺱ.‬ ‫ﻭﺴﻴﻜﻭﻥ ﻗﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل �ﻠﺘﻌﺩﻴل 2 �ﻠﻤ�ﺭ� ﻗﺭﺽ ﻭﺴﺎ�ﺔ ﻤﺎ�ﻴﺔ ﺒﻘﻴﻤﺔ 05 ﻤﻠﻴﻭﻥ ﺩﻭﻻﺭ ﺃﻤﺭﻴﻜﻲ ﻴﺘﻡ ﺘﻘﺩﻴﻤﻪ ﻤﻥ ﺨﻼل ��ﻬﻴﻜل �ﻹﻗﻠﻴﻤﻲ �ﻘﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل �ﻠﺘﻌﺩﻴل‬ ‫ﹰ‬ ‫ﺩﻋﻤﺎ �ﺘﻤﻭﻴل ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ. ﻭﺴﻴﻜﻭﻥ ﻫﺫ� ��ﻘﺭﺽ ��ﺜﺎﻨﻲ ﻓﻲ ﺇ�ﺎﺭ ﺴﻠﺴﻠﺔ ﻤﺘﻭﻗﻌﺔ ﻤﻥ ﻗﺭﻭﺽ ��ﻭﺴﺎ�ﺔ ��ﻤﺎ�ﻴﺔ �ﻠﺒﻠﺩ�ﻥ ��ﻤﺅﻫﻠﺔ. ﻭﻴﺘﻤﺜل‬ ‫ﹰ‬ ‫ﹰ‬ ‫��ﻤﻜﻭﻥ ��ﺭﺌﻴﺴﻲ �ﻬﺫ� ��ﻘﺭﺽ ﻓﻲ ﺘﺴﻬﻴل �ﺌﺘﻤﺎﻨﻲ ﻴﺼل ﺇ�ﻰ 05 ﻤﻠﻴﻭﻥ ﺩﻭﻻﺭ ﺃﻤﺭﻴﻜﻲ. ﻭﻤﻥ ��ﻤﻤﻜﻥ ﺃﻥ ﻴﺘﻀﻤﻥ ﻫﺫ� ��ﻤﺸﺭﻭﻉ ﻤﻜﻭﻨﺎ ﺨﺎﺼﺎ ﺒﺘﻘﺎﺴﻡ ��ﻤﺨﺎ�ﺭ ﺘﻘﻭﻡ ﺒﺈﺩ�ﺭﺘﻪ‬ ‫ﻤﺅﺴﺴﺔ ��ﺘﻤﻭﻴل ��ﺩﻭ�ﻴﺔ ﺃﻭ ﺼﻨﺩﻭﻕ ��ﻀﻤﺎﻥ ��ﻤﺭﻜﺯﻱ.‬ ‫ﻭﺴﻴﻘﻭﻡ ﺼﻨﺩﻭﻕ ��ﻀﻤﺎﻥ ��ﻤﺭﻜﺯﻱ ﺒﺎﻋﺘﺒﺎﺭﻩ ﻫﻴﺌﺔ ﻤﻨﻔﺫﺓ ﺒﺈﺩ�ﺭﺓ ﻫﺫ� ��ﺘﺴﻬﻴل �ﻻﺌﺘﻤﺎﻨﻲ ﺤﻴﺙ ﺴﻴﻘﻭﻡ ﺒﻌﻤﻠﻴﺎﺕ ﺇﻋﺎﺩﺓ ﺇﻗﺭ�ﺽ �ﻠﻤﺅﺴﺴﺎﺕ ��ﻤﺎ�ﻴﺔ. ﻭﺴﺘﻜﻭﻥ ��ﻤﻌﺎﻴﻴﺭ ��ﺨﺎﺼﺔ‬ ‫‪ (OP‬ﻭﻭﻓﻕ ��ﻤﻌﺎﻴﻴﺭ ��ﻤﺤﺩﺩﺓ �ﻘﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل �ﻠﺘﻌﺩﻴل ﻋﻠﻰ ��ﻤﺴﺘﻭﻯ �ﻹﻗﻠﻴﻤﻲ، ﻤﻊ ��ﻨﻅﺭ ﺒﻌﻴﻥ �ﻻﻋﺘﺒﺎﺭ ﺇ�ﻰ‬ ‫ﺒﺎ�ﻤﺅﺴﺴﺎﺕ ��ﻤﺅﻫﻠﺔ ﻭﻓﻕ ﺴﻴﺎﺴﺔ ��ﻌﻤﻠﻴﺎﺕ ﺭﻗﻡ )03.8‬ ‫��ﻭﻀﻊ ��ﻘﺎﻨﻭﻨﻲ �ﻠﻤﺅﺴﺴﺔ ��ﻤﻌﻨﻴﺔ ﻭﻤﻌﺩﻻﺕ ��ﺭﺒﺤﻴﺔ �ﺩﻴﻬﺎ ﻭﺠﻭﺩﺓ ﺃﺼﻭ�ﻬﺎ، ﻭﻤﺩﻯ ��ﺘﺯ�ﻤﻬﺎ ﻭﺴﺠل ﺇﻨﺠﺎﺯ�ﺘﻬﺎ ﻓﻲ ﻤﺠﺎل ﺨﺩﻤﺔ ﻗ�ﺎﻋﺎﺕ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ‬ ‫ﻭ��ﻤﺘﻭﺴ�ﺔ، ﻭ��ﺘﺯ�ﻤﻬﺎ ﺒﻤﻌﺎﻴﻴﺭ ��ﺤﻴ�ﺔ ﻭ��ﺤﺫﺭ.‬ ‫ﻭﺴﻴﻌﻤل ��ﺒﻨﻙ ��ﺩﻭ�ﻲ ﻋﻠﻰ ﺘﻌﺯﻴﺯ ��ﺸﺭ�ﻜﺎﺕ ﻤﻥ ﺨﻼل ﺼﻨﺩﻭﻕ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ ﻤﻥ ﺃﺠل ﻀﻤﺎﻥ ��ﻤﺴﺎﻨﺩﺓ ��ﺸﺎﻤﻠﺔ �ﺘﻤﻭﻴل ﻤﺅﺴﺴﺎﺕ‬ ‫�ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ. ﻭﻴﺨ�� ��ﺒﻨﻙ �ﻷﻓﺭﻴﻘﻲ �ﻠﺘﻨﻤﻴﺔ ﻓﻲ ��ﻭﻗﺕ ��ﺭ�ﻫﻥ �ﺘﻤﻭﻴل ﻗﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل �ﻠﺘﻌﺩﻴل 2 �ﻠﻤ�ﺭ� ﺒﺎ�ﺘﻭ�ﺯﻱ ﻤﻊ ��ﺒﻨﻙ ��ﺩﻭ�ﻲ‬ ‫)ﻋﻠﻰ ��ﺭ�ﻡ ﻤﻥ ﺃﻥ ﻫﺫ� ��ﻤﺸﺭﻭﻉ ﻻ ﻴﻌﺘﻤﺩ ﻋﻠﻰ ﻫﺫ� ��ﺘﻤﻭﻴل ﻤﻥ ��ﺒﻨﻙ �ﻷﻓﺭﻴﻘﻲ �ﻠﺘﻨﻤﻴﺔ(، ﻜﻤﺎ ﻜﺎﻥ ��ﺤﺎل ﺒﺎ�ﻨﺴﺒﺔ �ﻠﻘﺭﺽ �ﻷﻭل �ﺘﻭﻨﺱ. ﻭﺃﻋﺭ� ﻋﺩﺩ ﻤﻥ ��ﺠﻬﺎﺕ ��ﻤﺎﻨﺤﺔ‬ ‫ﻋﻥ ﺇﻤﻜﺎﻨﻴﺔ ﺘﻤﻭﻴل ��ﻤﻜﻭﻥ ��ﺨﺎﺹ ﺒﺎ�ﻤﺴﺎﻋﺩﺓ ��ﻔﻨﻴﺔ. ﻭﻴﺠﺭﻱ ﻓﻲ ��ﻭﻗﺕ ��ﺤﺎ�ﻲ ﺇﺒﺭ�ﻡ ﺸﺭ�ﻜﺎﺕ ﻤﻊ ﺸﺭﻜﺎﺀ �ﻴﺭ ﺘﻘﻠﻴﺩﻴﻴﻥ ﻤﺜل ��ﺸﺒﻜﺎﺕ �ﻵﺨﺫﺓ ﻓﻲ ��ﻅﻬﻭﺭ ﻤﻥ ��ﻤﺴﺘﺜﻤﺭﻴﻥ‬ ‫ﻭﺃﺼﺤﺎ� ��ﻤﺸﺭﻭﻋﺎﺕ ��ﻌﺭ� ﻭ��ﻤ�ﺘﺭﺒﻴﻥ �ﻤﻌﺎ�ﺠﺔ ﺠﺎﻨ� ���ﻠ� )ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ(، ﻭﻜﺫ�ﻙ ﻤﻌﺎ�ﺠﺔ ��ﻨﻘﺹ ﻓﻲ ��ﺘﻤﻭﻴل ��ﺴﺎﺒﻕ ﻋﻠﻰ‬ ‫��ﺘﻤﻭﻴل ��ﺒﻨﻜﻲ ﻭﺘﻤﻭﻴل ﺃﺴﻬﻡ ﺭﺃﺱ ﻤﺎل ﻭﺤﻘﻭﻕ ��ﻤﻠﻜﻴﺔ ﻓﻲ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ ﺫ�ﺕ �ﻹﻤﻜﺎﻨﺎﺕ ��ﻌﺎ�ﻴﺔ ﻭ��ﺸﺭﻜﺎﺕ ��ﺘﻲ ﻗﻴﺩ ��ﺘﺄﺴﻴﺱ.‬ ‫ﻭﺴﻴﻌﻤل �ﻹﻗﺭ�ﺽ ��ﺨﺎﺹ ﺒﺎ�ﺴﻴﺎﺴﺎﺕ ﻤﻥ ﺃﺠل ﺘﺤﺴﻴﻥ ��ﺒﻴﺌﺔ ��ﺩ�ﻋﻤﺔ �ﺘﻤﻭﻴل ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ ﻋﻠﻰ �ﺴﺘﻜﻤﺎل ﻫﺫ� ��ﻘﺭﺽ. ﻭﺴﺘﻌﺯﺯ‬ ‫�ﻹﺼﻼﺤﺎﺕ ��ﻘﺎﻨﻭﻨﻴﺔ ﻭﻓﻲ ﻤﺠﺎل ��ﺴﻴﺎﺴﺎﺕ ﺃﺜﺭ ��ﺘﻤﻭﻴل ��ﻤﻘﺩﻡ ﻤﻥ ﻗﺭﺽ ��ﺒﺭﻨﺎﻤﺞ ��ﻘﺎﺒل �ﻠﺘﻌﺩﻴل ﻤﻥ ﺨﻼل ﺘﻤﻜﻴﻥ ��ﻤﺅﺴﺴﺎﺕ ��ﻤﺎ�ﻴﺔ ﻤﻥ ﺘﻘﺩﻴﻡ ﺨﺩﻤﺎﺕ ﻤﺎ�ﻴﺔ �ﻤﺅﺴﺴﺎﺕ‬ ‫ﹰ‬ ‫ﹰ‬ ‫�ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ �ﻷﺼ�ﺭ ﺤﺠﻤﺎ ﻭ�ﻷﻜﺜﺭ ﺤﺭﻤﺎﻨﺎ ﻤﻥ ��ﺨﺩﻤﺎﺕ. ﻭﻴﺠﺭﻱ ﺇﻋﺩ�ﺩ ﻗﺭﺽ ﺠﺩﻴﺩ ﻓﻲ ��ﻤ�ﺭ� ﺨﺎﺹ ﺒﺴﻴﺎﺴﺎﺕ ��ﺘﻨﻤﻴﺔ ﻤﻥ ﺃﺠل ��ﻘ�ﺎﻉ‬ ‫‪‬‬ ‫��ﻤﺎ�ﻲ ﺒﻨﺎﺀ ﻋﻠﻰ �ﻹﺼﻼﺤﺎﺕ ��ﻨﺎﺠﺤﺔ ��ﺘﻲ ﺩﻋﻤﺘﻬﺎ ﻗﺭﻭﺽ ﺴﻴﺎﺴﺎﺕ ��ﺘﻨﻤﻴﺔ ��ﺴﺎﺒﻘﺔ. ﻭﺴﺘﺘﻀﻤﻥ ��ﺭﻜﻴﺯﺓ ��ﺜﺎﻨﻴﺔ ﺘﺩ�ﺒﻴﺭ �ﺘﻌﺯﻴﺯ ﺴﺒل ��ﻭﺼﻭل ﺇ�ﻰ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﻴﺭﺓ‬ ‫ﻭ��ﻤﺘﻭﺴ�ﺔ.‬ ‫.‬ ‫ﺩ�ل. ﻤﻭﻗﻊ ��ﻤﺸﺭﻭﻉ ﻭﺃﺒﺭﺯ ��ﺨﺼﺎﺌﺹ ��ﻤﺎﺩﻴﺔ ﺫ�ﺕ ��ﺼﻠﺔ ﺒﺘﺤﻠﻴل �ﻹﺠﺭ�ﺀ�ﺕ ��ﻭﻗﺎﺌﻴﺔ )ﺇﻥ ﻜﺎﻨﺕ ﻤﻌﺭﻭﻓﺔ(‬ ‫ﺴﻴﻜﻭﻥ ﻤﻭﻗﻊ ��ﻘﺭﺽ ��ﻘ�ﺭﻱ ��ﺜﺎﻨﻲ ﻓﻲ ﺇ�ﺎﺭ ��ﻬﻴﻜل �ﻹﻗﻠﻴﻤﻲ �ﻘﺭﻭﺽ ��ﺒﺭ�ﻤﺞ ��ﻘﺎﺒﻠﺔ �ﻠﺘﻌﺩﻴل �ﺼﻨﺩﻭﻕ ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ ﻓﻲ ��ﻤ�ﺭ�.‬ ‫ﻭﺴﻴﺘﻡ ﺘﻤﺭﻴﺭ ﻫﺫ� ��ﻘﺭﺽ �ﻬﻴﺌﺔ ﻤﻨﻔﺫﺓ )ﺼﻨﺩﻭﻕ ��ﻀﻤﺎﻥ ��ﻤﺭﻜﺯﻱ ﻓﻲ ﺤﺎ�ﺔ ��ﻤ�ﺭ�( �ﺘﻘﺩﻴﻤﻪ ﻜﺘﺴﻬﻴل �ﺌﺘﻤﺎﻨﻲ �ﻤﺅﺴﺴﺎﺕ ��ﺘﻤﻭﻴل ��ﻤﺸﺎﺭﻜﺔ ��ﻤﺅﻫﻠﺔ ﻤﻥ ﺃﺠل ﺇﻗﺭ�ﺽ‬ ‫ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ. ﻭﺴﺘﺴﺘﻔﻴﺩ ﻫﺫﻩ ��ﻤﺅﺴﺴﺎﺕ ﻭ��ﻤﺸﺭﻭﻋﺎﺕ ﻤﻥ �ﻷﻤﻭ�ل ��ﻤﺘﺎﺤﺔ ﻤﻥ ﺃﺠل ��ﻤﺸﺭﻭﻋﺎﺕ ��ﻔﺭﻋﻴﺔ ��ﺨﺎﺼﺔ ﺒﻬﺎ، ﻜﻤﺎ ﺴﻴﺘﻡ ﺘﻨﻔﻴﺫ‬ ‫ﻫﺫﻩ ��ﻤﺸﺭﻭﻋﺎﺕ ﻓﻲ ﻤﻨﺎ�ﻕ ��ﺒﻠﺩ ��ﻤﻘﺘﺭﺽ ﻓﻲ �ﻨﺠﺔ ﺘ�ﻭ�ﻥ، ﻭﺘﺎﺯﺓ ��ﺤﺴﻴﻨﺔ ﺘﺎﻭﻨﺎﺕ، ﻭﻓﺎﺱ ﺒﻭ�ﻤﺎﻥ، ﻭﻤﻜﻨﺎﺱ ﺘﺎﻓﻴﻼ�ﺕ، ﻭﺘﺎﺩ�ﺔ ﺃﺯﻴﻼل، ﻭﺩﻭﻜﺎﻻ ﻋﺒﺩ�، ﻭ��ﺭﺒﺎ� ﺴﻼﺯﻤﻭﺭ‬ ‫ﺯﻋﻴﺭ، ﻭ��ﺩﺭ� ��ﺒﻴﻀﺎﺀ ��ﻜﺒﺭﻯ، ﻭ��ﻤﻨ�ﻘﺔ ��ﺸﺭﻗﻴﺔ، ﻭﻤﺭ�ﻜﺵ ﺘﺎﻨﺴﻴﻔﺕ ��ﺤﻭﺯ، ﻭ��ﺸﺎﻭﻴﺔ ﻭﺭﺩﻴ�ﺎ، ﻭ���ﺭ� ﺸﺭ�ﺭﺩﺓ ﺒﻨﻲ ﺤﺴﻴﻥ، ﻭﺴﻭﺱ ﻤﺎﺴﺎ ﺩﺭﻋﺔ، ﻭ�ﻷﻗﺎ�ﻴﻡ ��ﻜﺎﺌﻨﺔ ﻓﻲ ﻫﺫ�‬ ‫��ﺒﻠﺩ ��ﺘﻲ ﺘﺘﻤﺜل ﻓﻲ ﻜﻠﻤﻴﻡ، ﻭﺃﺴﺎ ﺯ�ﻙ، ﻭﺘﺎﻨﺘﺎﻥ، ﻭﺘﺎﺘﺎ.‬ ‫ﻭﻤﻥ ��ﻤﺭﺠﺢ ﺃﻥ ﺘﻜﻭﻥ �ﻵﺜﺎﺭ ��ﺒﻴﺌﻴﺔ ﻭ�ﻻﺠﺘﻤﺎﻋﻴﺔ ﻤﺤﺩﻭﺩﺓ ﺒﺎ�ﻨﺴﺒﺔ �ﻠﻌﻤﻠﻴﺎﺕ ��ﻤﺤﺘﻤل ﺘﻤﻭﻴﻠﻬﺎ ﻓﻲ ﺇ�ﺎﺭ ﻫﺫ� ��ﻤﺸﺭﻭﻉ ﻤﻥ ﺨﻼل ﻤﺅﺴﺴﺎﺕ ﺃﻋﻤﺎل ﺼ�ﺭﻯ ﻭﺼ�ﻴﺭﺓ ﻭﻤﺘﻭﺴ�ﺔ‬ ‫)ﺸﺭﻜﺎﺕ ﻗﺎﺌﻤﺔ ﻭﻗﻴﺩ ��ﺘﺄﺴﻴﺱ( ﺤﺴ� ��ﻘ�ﺎﻉ ��ﻤﻌﻨﻲ ﻭﻤﺴﺘﻭﻯ ﻭﻋﻲ ﺃﺼﺤﺎ� ��ﻤﺸﺭﻭﻋﺎﺕ ﻭﻤﺴﺘﻭﻯ ��ﺭﻗﺎﺒﺔ ﻤﻥ ﺠﺎﻨ� ��ﻬﻴﺌﺎﺕ ��ﺒﻴﺌﻴﺔ ��ﺤﻜﻭﻤﻴﺔ ﻭ��ﺤﻭ�ﻓﺯ ��ﻤﺘﺎﺤﺔ �ﻠﺸﺭﻜﺎﺕ.‬ ‫ﻭﻤﻊ ﺫ�ﻙ، ﻭﺤﺘﻰ ﻓﻲ ﺇ�ﺎﺭ ﺘﻤﻭﻴل ﻤﺤﺩﻭﺩ )ﻋﻠﻰ ﺴﺒﻴل ��ﻤﺜﺎل ﺤﺘﻰ 005 ﺃ�ﻑ ﺩﻭﻻﺭ �ﻜل ﻤﺅﺴﺴﺔ ﻓﻲ ��ﺴﻨﺔ( ﻤﻥ ��ﻤﻤﻜﻥ ﺃﻥ ﺘﻘﻊ ﺒﻌﺽ �ﻵﺜﺎﺭ ��ﺒﻴﺌﻴﺔ )ﻋﻠﻰ ﺴﺒﻴل ��ﻤﺜﺎل ﻓﻲ‬ ‫ﺘﺼﻨﻴﻊ ﺯﻴﺕ ��ﺯﻴﺘﻭﻥ؛ ﻭﻓﻲ ��ﻘ�ﺎﻋﺎﺕ ��ﺘﻲ ﺘﻘﻭﻡ ﺒﺈﻋﺎﺩﺓ ﺘﺩﻭﻴﺭ ��ﻤﺨﻠﻔﺎﺕ؛ ﻭﻓﻲ ��ﻘ�ﺎﻋﺎﺕ ��ﺘﻲ ﺘﺅﺜﺭ ﻋﻠﻰ ��ﻤﻭ�ﺭﺩ ���ﺒﻴﻌﻴﺔ؛ ﻭﻓﻲ ��ﺼﻨﺎﻋﺎﺕ ��ﺘﺤﻭﻴﻠﻴﺔ؛ ﻭﻓﻲ ��ﺘﺼﻨﻴﻊ‬ ‫��ﺯﺭ�ﻋﻲ(، ﻭﻤﻥ ��ﻤﻤﻜﻥ ﺃﻥ ﺘﻜﻭﻥ �ﻵﺜﺎﺭ ��ﻤﺠﻤﻌﺔ �ﻠﻌﻤﻠﻴﺔ ﺒﺄﻜﻤﻠﻬﺎ ﻜﺒﻴﺭﺓ. ﺇﻀﺎﻓﺔ ﺇ�ﻰ ﺫ�ﻙ، ﻤﻥ ��ﻤﻤﻜﻥ ﺃﻥ ﺘﻔﺭﺽ ��ﻘﻀﺎﻴﺎ ��ﺨﺎﺼﺔ ﺒﺎ�ﻌﻤﺎ�ﺔ )ﺘﺸ�ﻴل �ﻷ�ﻔﺎل، ﻭﺼﺤﺔ ﻭﺴﻼﻤﺔ‬ ‫ﺘ‬ ‫��ﻌﻤﺎل(، ﺇﻥ �ﻡ ﹸﺩ�ﺭ ﻋﻠﻰ ﻨﺤﻭ ﻴﺘﺴﻡ ﺒﺎ�ﻜﻔﺎﺀﺓ، ﻤﺨﺎ�ﺭ ﺘﺘﻌﻠﻕ ﺒﺎ�ﺴﻤﻌﺔ ﻋﻠﻰ ��ﺒﻨﻙ ��ﺩﻭ�ﻲ.‬ ‫ﻭ�ﻬﺫ� ��ﺴﺒ�، ﻴﺘﻡ ﺘﻨﻔﻴﺫ ﻨﻅﺎﻡ �ﻺﺠﺭ�ﺀ�ﺕ ��ﻭﻗﺎﺌﻴﺔ ��ﺒﻴﺌﻴﺔ ﻭ�ﻻﺠﺘﻤﺎﻋﻴﺔ ﻴﺘﺴﻡ ﺒﺎ�ﺒﺴﺎ�ﺔ ﻤﻥ ��ﻨﺎﺤﻴﺔ �ﻹﺠﺭ�ﺌﻴﺔ ﻭﻴﺴﺘﻨﺩ ﻤﻥ ﺤﻴﺙ ��ﻤﺒﺩﺃ ﺇ�ﻰ �ﺴﺘﺒﻌﺎﺩ �ﻷﻨﺸ�ﺔ ��ﺘﻲ ﺘﺤﻤل ﻓﻲ �ﻴﺎﺘﻬﺎ‬ ‫‪‬‬ ‫ﻤﺨﺎ�ﺭ ﺒﻴﺌﻴﺔ ﻭ�ﺠﺘﻤﺎﻋﻴﺔ ﻋﺎ�ﻴﺔ، ﻭﺫ�ﻙ ﺒﻨﺎﺀ ﻋﻠﻰ �ﻠ� ﺠﻤﻴﻊ ﺸﺭﻜﺎﺕ ��ﺘﻤﻭﻴل )ﻓﺭﻴﻕ ﻋﻤل ��ﺒﻨﻙ ��ﺩﻭ�ﻲ، ﻭ��ﺒﻨﻙ ��ﻤﺭﻜﺯﻱ، ﻭ��ﺒﻨﻭﻙ ��ﺘﺠﺎﺭﻴﺔ( ﻭﺘﺄﺘﻲ ��ﺤﺎﺠﺔ ﺇ�ﻰ ��ﺒﺴﺎ�ﺔ ﻤﻥ‬ ‫��ﻬﻭ�ﻤﺵ ��ﻀﻴﻘﺔ ��ﺘﻲ ﺘﻔﺭﻀﻬﺎ ﻫﺫﻩ ��ﻌﻤﻠﻴﺔ، ﻭﻜﺫ�ﻙ ��ﻤﺨﺎ�ﺭ ��ﻤﺤﺩﻭﺩﺓ ��ﻤﺭﺘﺒ�ﺔ ﺒﺎ�ﻌﻤﻠﻴﺔ ��ﻤﻘﺘﺭﺤﺔ. ﻭﺴﻴﻘﻭﻡ ��ﺒﻠﺩ ��ﻤﻘﺘﺭﺽ ﺒﺈﻋﺩ�ﺩ ﻨﻅﺎﻡ �ﻺﺩ�ﺭﺓ ��ﺒﻴﺌﻴﺔ ﻭ�ﻻﺠﺘﻤﺎﻋﻴﺔ ﻴﺘﻌﻴﻥ‬ ‫ﹰ‬ ‫ﺃﻥ ﻴﻜﻭﻥ ﻤﺭﻀﻴﺎ �ﻠﺒﻨﻙ ��ﺩﻭ�ﻲ.‬ ‫.‬ ‫ﻫﺎﺀ. ﺒﻨﺎﺀ ﻗﺩﺭ�ﺕ ��ﺒﻠﺩ ��ﻤﻘﺘﺭﺽ ﻓﻴﻤﺎ ﻴﺘﻌﻠﻕ ﺒﺎ�ﺴﻴﺎﺴﺎﺕ ��ﻭﻗﺎﺌﻴﺔ‬ ‫ﻴﺘﻤﺘﻊ ﺼﻨﺩﻭﻕ ��ﻀﻤﺎﻥ ��ﻤﺭﻜﺯﻱ، ﻭﻫﻭ ��ﺠﻬﺔ ��ﻤﻨﻔﺫﺓ ��ﻤﺤﺘﻤﻠﺔ، ﺒﺴﺠل ﺤﺎﻓل ﻓﻲ ﻤﺠﺎل ﺘﻤﻭﻴل ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ ﺒﺎﻹﻀﺎﻓﺔ ﺇ�ﻰ ﻋﻼﻗﺎﺕ‬ ‫ﻗﻭﻴﺔ ﻤﻊ ��ﻘ�ﺎﻉ ��ﻤﺼﺭﻓﻲ ��ﻤ�ﺭﺒﻲ ﻤﻥ ﺨﻼل ﺒﺭﻨﺎﻤﺠﻪ ��ﻤﺴﺘﻤﺭ ﻤﻨﺫ ﺃﻤﺩ ﺒﻌﻴﺩ �ﻀﻤﺎﻥ ��ﺘﺴﻬﻴﻼﺕ �ﻻﺌﺘﻤﺎﻨﻴﺔ ��ﻤﻘﺩﻤﺔ �ﻤﺅﺴﺴﺎﺕ �ﻷﻋﻤﺎل ��ﺼ�ﺭﻯ ﻭ��ﺼ�ﻴﺭﺓ ﻭ��ﻤﺘﻭﺴ�ﺔ.‬ ‫ﻭﻗﺩ ﺃﻅﻬﺭ ﺃﺼﺤﺎ� ��ﻤﺼﺎ�ﺢ ��ﻤﺒﺎﺸﺭﺓ ﺩﺭﺠﺎﺕ ﻤﺘﻔﺎﻭﺘﺔ ﻤﻥ ��ﻭﻋﻲ ��ﺒﻴﺌﻲ ﻭ��ﻘﺩﺭ�ﺕ. ﻭﺘﺭ�ﻭﺤﺕ ��ﺒﻨﻭﻙ ��ﺘﺠﺎﺭﻴﺔ ﻤﻥ ﻜﻭﻨﻬﺎ ﺤﺎﺼﻠﺔ ﺒﺼﻭﺭﺓ ﺘ�ﻭﻋﻴﺔ ﻋﻠﻰ ﺸﻬﺎﺩﺓ �ﻷﻴﺯﻭ ﻓﻲ‬ ‫��ﺒﻴﺌﺔ ﺇ�ﻰ ﻋﺩﻡ ﻭﺠﻭﺩ ﺃﻱ ﻗﺩﺭ�ﺕ ﺒﻴﺌﻴﺔ ﺩ�ﺨﻠﻴﺔ �ﺩﻴﻬﺎ.‬ ‫ﻭﺴﺘﺘﻡ ﻤﺴﺎﻨﺩﺓ ﻫﺫ� ��ﺘﺴﻬﻴل �ﻻﺌﺘﻤﺎﻨﻲ ﻤﻥ ﺨﻼل ﺩ�ﻴل ﻋﻤﻠﻴﺎﺕ �ﻠﻤﺸﺭﻭﻉ ﻴﺤﺩﺩ ��ﺨ�ﻭ�ﺕ ﻭ�ﻷﺩﻭ�ﺭ ﻭ��ﻤﺴﺅﻭ�ﻴﺎﺕ ﺒﻴﻥ ﺼﻨﺩﻭﻕ ��ﻀﻤﺎﻥ ��ﻤﺭﻜﺯﻱ، ﻭﻤﺅﺴﺴﺎﺕ ��ﺘﻤﻭﻴل ��ﺨﺎﺼﺔ،‬ ‫ﹰ‬ ‫ﻭ��ﺒﻨﻙ ��ﺩﻭ�ﻲ، ﻜﻤﺎ ﺴﻴﺘﻀﻤﻥ ﻫﺫ� ��ﺩ�ﻴل ﻓﺼﻼ ﻋﻥ ��ﺴﻴﺎﺴﺎﺕ ��ﻭﻗﺎﺌﻴﺔ. ﻭﺴﻴﻘﺘﺭﺡ ��ﺒﻠﺩ ��ﻤﻘﺘﺭﺽ ﺇﺠﺭ�ﺀ�ﺕ ﺒﻴﺌﻴﺔ �ﻠﻤﺸﺭﻭﻉ ﺘﻜﻭﻥ ﻤﻘﺒﻭ�ﺔ �ﻠﺒﻨﻙ ��ﺩﻭ�ﻲ. ﻜﻤﺎ ﻴﻤﻜﻥ ��ﻨﻅﺭ ﺒﻌﻴﻥ‬ ‫�ﻻﻋﺘﺒﺎﺭ ﺇ�ﻰ ��ﻤﺯﻴﺩ ﻤﻥ ��ﺘﺩﺭﻴ� ﻭ��ﻤﺴﺎﻋﺩﺓ ��ﻔﻨﻴﺔ �ﻀﻤﺎﻥ ��ﺘﻨﻔﻴﺫ ��ﻔﻌﺎل �ﺩ�ﻴل ��ﻌﻤﻠﻴﺎﺕ.‬ ‫.‬ ‫ﻭ�ﻭ. ﺨﺒﻴﺭ ��ﺴﻴﺎﺴﺎﺕ ��ﻭﻗﺎﺌﻴﺔ ��ﺒﻴﺌﻴﺔ ﻭ�ﻻﺠﺘﻤﺎﻋﻴﺔ ﻓﻲ ﻓﺭﻴﻕ ��ﻌﻤل‬ ‫) 1‪Nicolas Kotschoubey ( MNSF‬‬ ‫.‬ ‫.‬ ‫2. ��ﺴﻴﺎﺴﺎﺕ ��ﻭﻗﺎﺌﻴﺔ ��ﺘﻲ ﻗﺩ ﻴﺘﻡ ﺘﻔﻌﻴﻠﻬﺎ‬ ‫��ﺸﺭﺡ‬ ‫�ﻡ ﻴﺘﺤﺩﺩ ﺒﻌﺩ‬ ‫ﻻ‬ ‫ﻨﻌﻡ‬ ‫��ﺴﻴﺎﺴﺎﺕ ��ﻭﻗﺎﺌﻴﺔ ��ﻤ�ﺒﻘﺔ‬ ‫‪x‬‬ ‫��ﺘﻘﻴﻴﻡ ��ﺒﻴﺌﻲ )10.4 ‪(OP/BP‬‬ ‫‪x‬‬ ‫��ﻤﻭ�ﺌل ���ﺒﻴﻌﻴﺔ )40.4 ‪(OP/BP‬‬ ‫‪x‬‬ ‫���ﺎﺒﺎﺕ )63.4 ‪(OP/BP‬‬ ‫‪x‬‬ ‫‪(OP‬‬ ‫ﻤﻜﺎﻓﺤﺔ �ﻵﻓﺎﺕ )90.4‬ ‫‪x‬‬ ‫��ﻤﻭ�ﺭﺩ ��ﺤﻀﺎﺭﻴﺔ ��ﻤﺎﺩﻴﺔ )11.4 ‪(OP/BP‬‬ ‫‪x‬‬ ‫��ﺸﻌﻭ� �ﻷﺼﻠﻴﺔ )01.4 ‪(OP/BP‬‬ ‫‪x‬‬ ‫ﺇﻋﺎﺩﺓ ��ﺘﻭ�ﻴﻥ ��ﻘﺴﺭﻴﺔ )21.4 ‪(OP/BP‬‬ ‫‪x‬‬ ‫ﺴﻼﻤﺔ ��ﺴﺩﻭﺩ )73.4 ‪(OP/BP‬‬ ‫‪x‬‬ ‫��ﻤﺸﺭﻭﻋﺎﺕ ﻋﻠﻰ ﻤﺠﺎﺭﻱ ��ﻤﻴﺎﻩ ��ﺩﻭ�ﻴﺔ )05.7 ‪(OP/BP‬‬ ‫‪x‬‬ ‫��ﻤﺸﺭﻭﻋﺎﺕ ��ﻤﻘﺎﻤﺔ ﻓﻲ ��ﻤﻨﺎ�ﻕ ��ﻤﺘﻨﺎﺯﻉ ﻋﻠﻴﻬﺎ ‪(OP/BP‬‬ ‫)06.7‬ ‫.‬ ‫3. ﺨ�ﺔ ﺇﻋﺩ�ﺩ ��ﺴﻴﺎﺴﺎﺕ ��ﻭﻗﺎﺌﻴﺔ‬ ‫.‬ ‫��ﻤﻭﻋﺩ ��ﻤﺒﺩﺌﻲ ��ﻤﺴﺘﻬﺩﻑ ﻹﻋﺩ�ﺩ ﺼﺤﻴﻔﺔ ﺒﻴﺎﻨﺎﺕ ��ﺴﻴﺎﺴﺎﺕ ��ﻭﻗﺎﺌﻴﺔ ��ﻤﺘﻜﺎﻤﻠﺔ �ﻤﺭﺤﻠﺔ ��ﺘﻘﻴﻴﻡ ��ﻤﺴﺒﻕ �ﻠﻤﺸﺭﻭﻉ:‬ ‫ﺒﺎﺀ.‬ ‫1 ﻓﺒﺭ�ﻴﺭ/ﺸﺒﺎ� 2102‬ ‫ﺠﻴﻡ. �ﻹ�ﺎﺭ ��ﺯﻤﻨﻲ ﻹﺠﺭ�ﺀ ﻭ�ﺴﺘﻜﻤﺎل ��ﺩﺭ�ﺴﺎﺕ ��ﻤﺘﻌﻠﻘﺔ ﺒﺎ�ﺴﻴﺎﺴﺎﺕ ��ﻭﻗﺎﺌﻴﺔ ��ﺘﻲ ﻗﺩ ﻴﻘﺘﻀﻴﻬﺎ �ﻷﻤﺭ. ﻴﺠ� ﺘﺤﺩﻴﺩ ﺃﻱ ﺩﺭ�ﺴﺎﺕ ﻤﻌﻴﻨﺔ ﻭﻤﻭ�ﻋﻴﺩ ﺇﺠﺭ�ﺌﻬﺎ ﻓﻲ ﺼﺤﻴﻔﺔ ﺒﻴﺎﻨﺎﺕ‬ ‫��ﺴﻴﺎﺴﺎﺕ ��ﻭﻗﺎﺌﻴﺔ �ﻤﺭﺤﻠﺔ ��ﺘﻘﻴﻴﻡ ��ﻤﺴﺒﻕ �ﻠﻤﺸﺭﻭﻉ.‬ ‫ﺒﻨﻬﺎﻴﺔ ﻓﺒﺭ�ﻴﺭ/ﺸﺒﺎ� 2102‬ ‫.‬ ‫4. ��ﻤﻭ�ﻓﻘﺎﺕ‬ ‫�ﺴﻡ ﻭﺘﻭﻗﻴﻊ ﻤﻘﺩﻡ ��ﻭﺜﻴﻘﺔ:‬ ‫��ﺘﺎﺭﻴﺦ: 4 ﻴﻨﺎﻴﺭ/ﻜﺎﻨﻭﻥ ��ﺜﺎﻨﻲ 2102‬ ‫�ﻻﺴﻡ: ﺘﻴﻤﻭﺭ ﻋﺒﺩ ��ﻌﺯﻴﺯ‬ ‫ﺭﺌﻴﺱ ﻓﺭﻴﻕ ��ﻌﻤل:‬ ‫�ﻋﺘﻤﺩﻫﺎ:‬ ‫��ﺘﺎﺭﻴﺦ: 5 ﻴﻨﺎﻴﺭ/ﻜﺎﻨﻭﻥ ��ﺜﺎﻨﻲ 2102‬ ‫�ﻻﺴﻡ: ﺤﺴﻴﻥ ﺸﻼل )‪(RSA‬‬ ‫��ﻤﻨﺴﻕ �ﻹﻗﻠﻴﻤﻲ �ﻠﺴﻴﺎﺴﺎﺕ ��ﻭﻗﺎﺌﻴﺔ:‬ ‫ﻤﻼﺤﻅﺎﺕ:‬ ‫��ﺘﺎﺭﻴﺦ: 5 ﻴﻨﺎﻴﺭ/ﻜﺎﻨﻭﻥ ��ﺜﺎﻨﻲ 2102‬ ‫�ﻻﺴﻡ: ﺭ�ﻨﺩ� ﻋﻘﻴل )‪(SM‬‬ ‫ﻤﺩﻴﺭ ��ﻘ�ﺎﻉ:‬ ‫ﻤﻼﺤﻅﺎﺕ: ﺘﻤﺕ ��ﻤﻭ�ﻓﻘﺔ‬ ‫.‬ ‫1. ﻤﻼﺤﻅﺔ ﺘﺫﻜﻴﺭﻴﺔ: ﺘﺸﺘﺭ� ﺴﻴﺎﺴﺔ ��ﺒﻨﻙ ﺒﺸﺄﻥ �ﻹﻓﺼﺎﺡ ﻋﻥ ��ﻤﻌﻠﻭﻤﺎﺕ ��ﻜﺸﻑ ﻋﻥ ��ﻭﺜﺎﺌﻕ ��ﻤﺘﻌﻠﻘﺔ ﺒﺈﺠﺭ�ﺀ�ﺕ ��ﻭﻗﺎﻴﺔ ﻗﺒل ��ﺘﻘﻴﻴﻡ �ﻷﻭ�ﻲ �ﻠﻤﺸﺭﻭﻉ ��ﻤﻌﻨﻲ )1( ﻓﻲ ﺩ�ﺭ‬ ‫ﺜ‬ ‫��ﻤﻌﻠﻭﻤﺎﺕ، ﻭ )2( ﻓﻲ ��ﺒﻠﺩ ��ﻤﻌﻨﻲ، ﻓﻲ ﻤﻭ�ﻗﻊ ﻴﺴﻬل ﻋﻠﻰ ��ﺠﻤﻬﻭﺭ ��ﻌﺎﻡ ��ﻭﺼﻭل ﺇ�ﻴﻬﺎ ﻭﺒﺎ�ﺸﻜل ﻭ��ﻠ�ﺔ ��ﺘﻲ ﻴﺴﻬل ﻋﻠﻰ �ﻷﺸﺨﺎﺹ ��ﻤﺤﺘﻤل ﺘﺄﹼﺭﻫﻡ ﺒﺎ�ﻤﺸﺭﻭﻉ ﻓﻬﻤﻬﻤﺎ.‬