{"id":617,"date":"2025-07-30T17:10:32","date_gmt":"2025-07-30T17:10:32","guid":{"rendered":"https:\/\/etnpro.com\/?page_id=617"},"modified":"2025-08-04T14:28:48","modified_gmt":"2025-08-04T14:28:48","slug":"historique","status":"publish","type":"page","link":"https:\/\/etnpro.com\/?page_id=617&lang=fr","title":{"rendered":"Historique"},"content":{"rendered":"\t\t
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\r\n\r\n Qu\u2019est-ce qu\u2019une tontine ?<\/span>\r\n \r\n

Une tontine est un syst\u00e8me d\u2019organisation entre personnes de confiance \u2014 amis, coll\u00e8gues, proches ou membres d\u2019une m\u00eame communaut\u00e9 \u2014 permettant de planifier collectivement des projets financiers \u00e0 travers un engagement mutuel.\nSon fondement repose sur la solidarit\u00e9, la confiance, et l\u2019organisation entre membres, sans intervention d\u2019un organisme ext\u00e9rieur.
\n\nCe mod\u00e8le d\u2019entraide, pratiqu\u00e9 dans de nombreuses r\u00e9gions du monde (Afrique, Asie, Am\u00e9rique Latine\u2026), se d\u00e9cline selon plusieurs formats.<\/p>\r\n \r\n <\/div>\r\n\r\n \r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\r\n\r\n Tontine rotative<\/span>\r\n \r\n

Dans ce format, les membres contribuent \u00e0 intervalle r\u00e9gulier. \u00c0 chaque cycle, l\u2019un d\u2019eux re\u00e7oit la cagnotte, selon un ordre d\u00e9fini ou tir\u00e9 au sort par les membres eux-m\u00eames.
\nCe m\u00e9canisme permet \u00e0 chacun de b\u00e9n\u00e9ficier d\u2019une somme cons\u00e9quente pour r\u00e9aliser un projet personnel ou familial, \u00e0 tour de r\u00f4le.<\/p>\r\n \r\n <\/div>\r\n\r\n \r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\r\n\r\n Tontine d\u2019accumulation <\/span>\r\n \r\n

Ici, les contributions des membres sont conserv\u00e9es collectivement. Une fois le montant cumul\u00e9 suffisant, les membres d\u00e9cident ensemble de l\u2019utilisation des fonds, souvent sous forme d\u2019une avance ou d\u2019un pr\u00eat entre membres, avec conditions convenues \u00e0 l\u2019avance.
\nLes d\u00e9cisions sont coll\u00e9giales, et aucun transfert n\u2019est effectu\u00e9 par un tiers : tout repose sur la gestion interne et mutuelle entre les participants.<\/p>\r\n \r\n <\/div>\r\n\r\n \r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\r\n\r\n ETNPro : un outil digital collaboratif<\/span>\r\n \r\n

La plateforme ETNPro n\u2019intervient jamais dans la gestion des fonds ni dans les flux financiers entre membres.
\nElle se limite \u00e0 mettre en relation des personnes de confiance, \u00e0 fournir un cadre d\u2019organisation, de planification et de communication s\u00e9curis\u00e9.<\/p>\r\n \r\n <\/div>\r\n\r\n \r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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ETNPro. Le pouvoir de la communaut\u00e9 entre vos mains.\nT\u00e9l\u00e9chargez l\u2019application et cr\u00e9ez ou rejoignez un groupe de confiance.\nSimple, direct, sans frais cach\u00e9s ni interm\u00e9diaire financier.<\/p>\r\n \r\n <\/div>\r\n\r\n \r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Lien rapide<\/h2>\r\n

Acceuil<\/a>
\nHistorique<\/a>
\nComment \u00e7a fonctionne<\/a>
\nDevenez revendeur<\/a>
\nCGU<\/a><\/p>\r\n \r\n <\/div>\r\n\r\n \r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Coordonn\u00e9es <\/h2>\r\n \r\n <\/div>\r\n\r\n \r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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E-mail: contact@etnprto.ma<\/a>
\nT\u00e9l\u00e9phone: +1 (252) 203-0303\n<\/a>
\nAdresse: NM 87120 US\n<\/a>\n\n<\/p>\r\n \r\n <\/div>\r\n\r\n \r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Copyright \u00a9 2025 etnpro. Tous droits r\u00e9serv\u00e9s. Version : 1.6.3<\/p><\/p>\r\n \r\n <\/div>\r\n\r\n \r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Politique de Confidentialit\u00e9\n<\/a><\/p>\r\n \r\n <\/div>\r\n\r\n \r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Qu\u2019est-ce qu\u2019une tontine ? Une tontine est un syst\u00e8me d\u2019organisation entre personnes de confiance \u2014 amis, coll\u00e8gues, proches ou membres d\u2019une m\u00eame communaut\u00e9 \u2014 permettant de planifier collectivement des projets financiers \u00e0 travers un engagement mutuel. Son fondement repose sur la solidarit\u00e9, la confiance, et l\u2019organisation entre membres, sans intervention d\u2019un organisme ext\u00e9rieur. Ce mod\u00e8le […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-617","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/etnpro.com\/index.php?rest_route=\/wp\/v2\/pages\/617","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/etnpro.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/etnpro.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/etnpro.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/etnpro.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=617"}],"version-history":[{"count":12,"href":"https:\/\/etnpro.com\/index.php?rest_route=\/wp\/v2\/pages\/617\/revisions"}],"predecessor-version":[{"id":1044,"href":"https:\/\/etnpro.com\/index.php?rest_route=\/wp\/v2\/pages\/617\/revisions\/1044"}],"wp:attachment":[{"href":"https:\/\/etnpro.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}