{"id":937,"date":"2023-06-12T13:11:42","date_gmt":"2023-06-12T13:11:42","guid":{"rendered":"https:\/\/ci-adec.com\/?page_id=937"},"modified":"2024-04-09T18:07:44","modified_gmt":"2024-04-09T18:07:44","slug":"credits","status":"publish","type":"page","link":"https:\/\/ci-adec.com\/en\/credits\/","title":{"rendered":"Credits"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"937\" class=\"elementor elementor-937\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5caff562 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5caff562\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4732f35\" data-id=\"4732f35\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-40f94a7 elementor-widget elementor-widget-jkit_heading\" data-id=\"40f94a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-center align-tablet-center align-mobile-center jeg_module___6a21cf5017ef0\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title translation-block\">Our <span class=\"style-gradient\"><span>Credit Products<\/span><\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56c0b040 elementor-widget elementor-widget-text-editor\" data-id=\"56c0b040\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Customized credit, for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1823e551 elementor-section-content-middle collapse-p elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1823e551\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5294c694\" data-id=\"5294c694\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18f324c4 elementor-widget elementor-widget-jkit_heading\" data-id=\"18f324c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__1_6a21cf5018962\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\"><span class=\"style-gradient\"><span>B\u00eassa CRED<\/span><\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55c33c26 elementor-widget elementor-widget-jkit_accordion\" data-id=\"55c33c26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-accordion style-curve jeg_module__2_6a21cf501a804\" ><div class=\"card-wrapper expand\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-8fab880\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-8fab880\" aria-controls=\"expand-8fab880\">\n                        <span class=\"title\">MAIN FEATURES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-8fab880\" style=\"display:block\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Customer segment<\/strong><\/h6><p>Producer and\/or Artisan food trader<\/p><h6 style=\"margin-bottom: 1px\"><strong>Purpose of the loan<\/strong><\/h6><p>Investments<\/p><h6 style=\"margin-bottom: 1px\"><strong>General eligibility criteria<\/strong><\/h6><p>Legal entities or individual entrepreneurs aged 21 to 60 years old - Ivorian nationality or resident for at least 3 years - 6 months of presence in the same location - 2 years of seniority in the activity, with proven profitability over the last 12 months.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Specific criteria<\/strong><\/h6><p>Collection of required documents and AML verification according to current regulations; Adec may define specific exclusions by sector of activity, if economic factors are considered too risky.<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-34c3ab0\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-34c3ab0\" aria-controls=\"expand-34c3ab0\">\n                        <span class=\"title\">GUARANTEES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-34c3ab0\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Material guarantees + A11: B18<\/strong><\/h6><p>Mandatory: Pledge of the financed equipment; Optional: mortgage guarantee (all types of real estate assets), assignment of debts.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Personal guarantee<\/strong><\/h6><p>Mandatory: personal guarantee<\/p><h6 style=\"margin-bottom: 1px\"><strong>Financial guarantee<\/strong><\/h6><p>Optional (DAT)<\/p><h6 style=\"margin-bottom: 1px\">Mandatory security deposit<\/h6><p>NA<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-356f3d2\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-356f3d2\" aria-controls=\"expand-356f3d2\">\n                        <span class=\"title\">CREDIT CHARACTERISTICS<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-356f3d2\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Minimum loan amount (FCFA)<\/strong><\/h6><p>100,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum loan amount (FCFA)<\/strong><\/h6><p>20,000,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum duration of a loan<\/strong><\/h6><p>24 Months<\/p><h6 style=\"margin-bottom: 1px\"><strong>Special feature<\/strong><\/h6><p>Minimum personal contribution 10%<\/p><h6 style=\"margin-bottom: 1px\">Reimbursement frequency<\/h6><p>Monthly or In fine<\/p><h6 style=\"margin-bottom: 1px\"><strong>Disbursement method (cash, check, transfer)<\/strong><\/h6><p>Collection at the counter by customer or direct payment to the supplier (transfer or check)<\/p><h6 style=\"margin-bottom: 1px\"><strong>Nominal interest rate 1<\/strong><\/h6><p>Minimum 1.5% per month<\/p><h6 style=\"margin-bottom: 1px\"><strong>Rate calculation method<\/strong><\/h6><p>On the remaining capital<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-e457e03\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-e457e03\" aria-controls=\"expand-e457e03\">\n                        <span class=\"title\">COMMISSIONS (excluding tax) &amp; INSURANCE PREMIUM<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-e457e03\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Application fees<\/strong><\/h6><p>3.00%<\/p><h6 style=\"margin-bottom: 1px\"><strong>Consultation fees Volo Report (BIC)<\/strong><\/h6><p>600.00<\/p><h6 style=\"margin-bottom: 1px\"><strong>Late penalties (amount, calculation period)<\/strong><\/h6><p>1,5% mensuel<\/p><h6 style=\"margin-bottom: 1px\"><strong>Insurance premium<\/strong><\/h6><p>1%<\/p><\/div><\/div>\n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-152f409a elementor-hidden-phone\" data-id=\"152f409a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d59ba34 elementor-widget elementor-widget-image\" data-id=\"5d59ba34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2000\" height=\"1334\" src=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-Bssa.png\" class=\"attachment-full size-full wp-image-1448\" alt=\"\" srcset=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-Bssa.png 2000w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-Bssa-300x200.png 300w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-Bssa-1024x683.png 1024w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-Bssa-768x512.png 768w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-Bssa-1536x1025.png 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-71396bd5 animated-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"71396bd5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_delay&quot;:50}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4780f7e1\" data-id=\"4780f7e1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dc1d8b5 elementor-widget elementor-widget-heading\" data-id=\"dc1d8b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Are you interested?\u200b<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a2e4a16 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"5a2e4a16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-right-arrow-light\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take advantage of the offer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a4c730 elementor-section-content-middle collapse-p elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a4c730\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e552d7d elementor-hidden-phone\" data-id=\"e552d7d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ed5f88 elementor-widget elementor-widget-image\" data-id=\"5ed5f88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"2000\" height=\"1334\" src=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-classique.png\" class=\"attachment-full size-full wp-image-1452\" alt=\"\" srcset=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-classique.png 2000w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-classique-300x200.png 300w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-classique-1024x683.png 1024w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-classique-768x512.png 768w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-classique-1536x1025.png 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-89a76c6 animated-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"89a76c6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:50}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5990bb1\" data-id=\"5990bb1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b302f9 elementor-widget elementor-widget-heading\" data-id=\"1b302f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Are you interested?\u200b<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b83ed3f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"b83ed3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-right-arrow-light\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take advantage of the offer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6181ab6\" data-id=\"6181ab6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f63231b elementor-widget elementor-widget-jkit_heading\" data-id=\"f63231b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__3_6a21cf501b463\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Shap Shap <span class=\"style-gradient\"><span>CRED Classique<\/span><\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd2fc8d elementor-widget elementor-widget-jkit_accordion\" data-id=\"fd2fc8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-accordion style-curve jeg_module__4_6a21cf501bba4\" ><div class=\"card-wrapper expand\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-8fab880\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-8fab880\" aria-controls=\"expand-8fab880\">\n                        <span class=\"title\">MAIN FEATURES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-8fab880\" style=\"display:block\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Customer segment<\/strong><\/h6><p>Commer\u00e7ant Artisan<\/p><h6 style=\"margin-bottom: 1px\"><strong>Purpose of the loan<\/strong><\/h6><p>BFR<\/p><h6 style=\"margin-bottom: 1px\"><strong>General eligibility criteria<\/strong><\/h6><p>Legal entities or individual entrepreneurs aged 21 to 60 years old - Ivorian nationality or resident for at least 3 years - 6 months of presence in the same location - 2 years of seniority in the activity, with proven profitability over the last 12 months.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Specific criteria<\/strong><\/h6><p>Collection of required documents and AML verification according to current regulations; Adec may define specific exclusions by sector of activity, if economic factors are considered too risky.<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-34c3ab0\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-34c3ab0\" aria-controls=\"expand-34c3ab0\">\n                        <span class=\"title\">GUARANTEES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-34c3ab0\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Material guarantees + A11: B18<\/strong><\/h6><p>Optionnelle : garantie hypoth\u00e9caire (tout type d'actifs immobiliers)<\/p><h6 style=\"margin-bottom: 1px\"><strong>Personal guarantee<\/strong><\/h6><p>No<\/p><h6 style=\"margin-bottom: 1px\"><strong>Financial guarantee<\/strong><\/h6><p>Optional (DAT)<\/p><h6 style=\"margin-bottom: 1px\">Mandatory security deposit<\/h6><p>20% du montant sollicit\u00e9<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-356f3d2\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-356f3d2\" aria-controls=\"expand-356f3d2\">\n                        <span class=\"title\">CREDIT CHARACTERISTICS<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-356f3d2\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Minimum loan amount (FCFA)<\/strong><\/h6><p>100,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum loan amount (FCFA)<\/strong><\/h6><p>10,000,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum duration of a loan<\/strong><\/h6><p>10 Jours<\/p><h6 style=\"margin-bottom: 1px\"><strong>Special feature<\/strong><\/h6><p>Versement journalier des recettes<\/p><h6 style=\"margin-bottom: 1px\"><strong>Reimbursement frequency<\/strong><\/h6><p>In fine<\/p><h6 style=\"margin-bottom: 1px\"><strong>Disbursement method (cash, check, transfer)<\/strong><\/h6><p>Retrait au guichet par client ou paiement direct au fournisseur (virement)<\/p><h6 style=\"margin-bottom: 1px\"><strong>Nominal interest rate 1<\/strong><\/h6><p>Jusqu\u2019\u00e0 5 jours = 0,5% sur la dur\u00e9e du cr\u00e9dit De 6 \u00e0 10 jours = 0,7% Prime de risque = 1% \u00e0 chaque<br \/>d\u00e9blocage<\/p><h6 style=\"margin-bottom: 1px\"><strong>Rate calculation method<\/strong><\/h6><p>Flat\u00a0<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-e457e03\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-e457e03\" aria-controls=\"expand-e457e03\">\n                        <span class=\"title\">COMMISSIONS (excluding tax) &amp; INSURANCE PREMIUM<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-e457e03\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Application fees<\/strong><\/h6><p>1.50%<\/p><h6 style=\"margin-bottom: 1px\"><strong>Consultation fees Volo Report (BIC)<\/strong><\/h6><p>600.00<\/p><h6 style=\"margin-bottom: 1px\"><strong>Late penalties (amount, calculation period)<\/strong><\/h6><p>Taux d'int\u00e9r\u00eat du cr\u00e9dit par jour de retard<\/p><h6 style=\"margin-bottom: 1px\"><strong>Insurance premium<\/strong><\/h6><p>S\/O<\/p><\/div><\/div>\n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ad8d9c6 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad8d9c6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-34193bb5\" data-id=\"34193bb5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6cfeaaac elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6cfeaaac\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-658743d7\" data-id=\"658743d7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-77d78e77 elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"77d78e77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-envelope2-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tE-mail\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tinfo@adec-ci.com\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18254243 elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"18254243\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-phone1-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tT\u00e9l\u00e9phone\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t+225 27 22 50 33 26\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-38c0d71d\" data-id=\"38c0d71d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2bf48ef6 elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"2bf48ef6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-fax-solid\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFixed\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t+225 27 22 50 31 66\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39c9a73c elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"39c9a73c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-map-marker1-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAddress\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFANGUE building, 8th tranche\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ae68f02 elementor-section-content-middle collapse-p elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ae68f02\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7297682\" data-id=\"7297682\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-213115f elementor-widget elementor-widget-jkit_heading\" data-id=\"213115f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__5_6a21cf501c76c\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Shap Shap <span class=\"style-gradient\"><span> CRED \u2018\u2019TELCO\u2019\u2019<\/span><\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c0e14d elementor-widget elementor-widget-jkit_accordion\" data-id=\"3c0e14d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-accordion style-curve jeg_module__6_6a21cf501ce88\" ><div class=\"card-wrapper expand\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-8fab880\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-8fab880\" aria-controls=\"expand-8fab880\">\n                        <span class=\"title\">MAIN FEATURES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-8fab880\" style=\"display:block\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Customer segment<\/strong><\/h6><p>Commer\u00e7ant : distributeur de monnaie \u00e9lectronique<\/p><h6 style=\"margin-bottom: 1px\"><strong>Purpose of the loan<\/strong><\/h6><p>BFR<\/p><h6 style=\"margin-bottom: 1px\"><strong>General eligibility criteria<\/strong><\/h6><p>Personnes morales ou entrepreneurs individuels \u00e2g\u00e9s de 21 \u00e0 60 ans - Nationalit\u00e9 Ivoirienne ou<br \/>r\u00e9sident depuis au moins 3 ans.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Specific criteria<\/strong><\/h6><p>Collecte des documents requis et v\u00e9rification AML selon la r\u00e9glementation en vigueur; Adec pourra<br \/>d\u00e9finir des exclusions sp\u00e9cifiques par secteur d\u2019activit\u00e9, si des facteurs \u00e9conomiques sont consid\u00e9r\u00e9s<br \/>comme trop risqu\u00e9s..<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-34c3ab0\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-34c3ab0\" aria-controls=\"expand-34c3ab0\">\n                        <span class=\"title\">GUARANTEES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-34c3ab0\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Material guarantees + A11: B18<\/strong><\/h6><p>No<\/p><h6 style=\"margin-bottom: 1px\"><strong>Personal guarantee<\/strong><\/h6><p>No<\/p><h6 style=\"margin-bottom: 1px\"><strong>Financial guarantee<\/strong><\/h6><p>10% of the amount requested<\/p><h6 style=\"margin-bottom: 1px\">Mandatory security deposit<\/h6><p>NA<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-356f3d2\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-356f3d2\" aria-controls=\"expand-356f3d2\">\n                        <span class=\"title\">CREDIT CHARACTERISTICS<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-356f3d2\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Minimum loan amount (FCFA)<\/strong><\/h6><p>100,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum loan amount (FCFA)<\/strong><\/h6><p>2,000,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum duration of a loan<\/strong><\/h6><p>72 Heurs<\/p><h6 style=\"margin-bottom: 1px\"><strong>Special feature<\/strong><\/h6><p>N\/A<\/p><h6 style=\"margin-bottom: 1px\"><strong>Reimbursement frequency<\/strong><\/h6><p>72h revolving<\/p><h6 style=\"margin-bottom: 1px\"><strong>Disbursement method (cash, check, transfer)<\/strong><\/h6><p>Disbursement to the customer's current account<\/p><h6 style=\"margin-bottom: 1px\"><strong>Nominal interest rate 1<\/strong><\/h6><p>0,3% par jour Prime de risque 0,5% par mois<\/p><h6 style=\"margin-bottom: 1px\"><strong>Rate calculation method<\/strong><\/h6><p>Flat<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-e457e03\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-e457e03\" aria-controls=\"expand-e457e03\">\n                        <span class=\"title\">COMMISSIONS (excluding tax) &amp; INSURANCE PREMIUM<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-e457e03\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Application fees<\/strong><\/h6><p>0,5% par mois<\/p><h6 style=\"margin-bottom: 1px\"><strong>Consultation fees Volo Report (BIC)<\/strong><\/h6><p>N\/A<\/p><h6 style=\"margin-bottom: 1px\"><strong>Late penalties (amount, calculation period)<\/strong><\/h6><p>1.5% per month late after due date<\/p><h6 style=\"margin-bottom: 1px\"><strong>Insurance premium<\/strong><\/h6><p>S\/O<\/p><\/div><\/div>\n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a06dc37 elementor-hidden-phone\" data-id=\"a06dc37\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fb3c82c elementor-widget elementor-widget-image\" data-id=\"fb3c82c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"2000\" height=\"1334\" src=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/credit-telco.png\" class=\"attachment-full size-full wp-image-1456\" alt=\"\" srcset=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/credit-telco.png 2000w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/credit-telco-300x200.png 300w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/credit-telco-1024x683.png 1024w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/credit-telco-768x512.png 768w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/credit-telco-1536x1025.png 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f4e0235 animated-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"f4e0235\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_delay&quot;:50}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4a4f268\" data-id=\"4a4f268\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b8b15a elementor-widget elementor-widget-heading\" data-id=\"6b8b15a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Are you interested?\u200b<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d69b8f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"5d69b8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-right-arrow-light\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take advantage of the offer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8543ea2 elementor-section-content-middle collapse-p elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8543ea2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-525cf9e elementor-hidden-phone\" data-id=\"525cf9e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3aa65dd elementor-widget elementor-widget-image\" data-id=\"3aa65dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1334\" src=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Facture.png\" class=\"attachment-full size-full wp-image-1460\" alt=\"\" srcset=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Facture.png 2000w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Facture-300x200.png 300w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Facture-1024x683.png 1024w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Facture-768x512.png 768w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Facture-1536x1025.png 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-238a7a9 animated-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"238a7a9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:50}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-9c84df0\" data-id=\"9c84df0\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eafd70a elementor-widget elementor-widget-heading\" data-id=\"eafd70a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Are you interested?\u200b<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0c76d4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d0c76d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-right-arrow-light\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take advantage of the offer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c289adf\" data-id=\"c289adf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-098d423 elementor-widget elementor-widget-jkit_heading\" data-id=\"098d423\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__7_6a21cf501da52\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\"><span class=\"style-gradient\"><span>Line of credit<\/span><\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4293951 elementor-widget elementor-widget-jkit_accordion\" data-id=\"4293951\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-accordion style-curve jeg_module__8_6a21cf501e18f\" ><div class=\"card-wrapper expand\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-8fab880\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-8fab880\" aria-controls=\"expand-8fab880\">\n                        <span class=\"title\">MAIN FEATURES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-8fab880\" style=\"display:block\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Customer segment<\/strong><\/h6><p>Trader (all sectors of activity) Artisan<\/p><h6 style=\"margin-bottom: 1px\"><strong>Purpose of the loan<\/strong><\/h6><p>BFR<\/p><h6 style=\"margin-bottom: 1px\"><strong>General eligibility criteria<\/strong><\/h6><p class=\"translation-block\">Legal entities or individual entrepreneurs aged 25 to 60 years - Ivorian nationality or resident for at least 3 years - 12 months of presence in the same location - 5 years of seniority in the activity, with proven profitability over the last 2 years.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Specific criteria<\/strong><\/h6><p class=\"translation-block\">Collection of required documents and AML verification according to current regulations; Adec may<br>define specific exclusions by sector of activity, if economic factors are considered<br>too risky.<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-34c3ab0\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-34c3ab0\" aria-controls=\"expand-34c3ab0\">\n                        <span class=\"title\">GUARANTEES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-34c3ab0\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Material guarantees + A11: B18<\/strong><\/h6><p class=\"translation-block\">Mandatory: Pledge of stock of goods, materials, equipment, assignment of<br>receivables. Optional: pledge of business assets; mortgage guarantee (all types of assets).<\/p><h6 style=\"margin-bottom: 1px\"><strong>Personal guarantee<\/strong><\/h6><p>Mandatory: personal guarantee<\/p><h6 style=\"margin-bottom: 1px\"><strong>Financial guarantee<\/strong><\/h6><p>Optional (DAT)<\/p><h6 style=\"margin-bottom: 1px\">Mandatory security deposit<\/h6><p>10% of the amount requested<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-356f3d2\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-356f3d2\" aria-controls=\"expand-356f3d2\">\n                        <span class=\"title\">CREDIT CHARACTERISTICS<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-356f3d2\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Minimum loan amount (FCFA)<\/strong><\/h6><p>500,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum loan amount (FCFA)<\/strong><\/h6><p>20,000,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum duration of a loan<\/strong><\/h6><p>12 months<\/p><h6 style=\"margin-bottom: 1px\"><strong>Special feature<\/strong><\/h6><p>Renewable annually<\/p><h6 style=\"margin-bottom: 1px\"><strong>Reimbursement frequency<\/strong><\/h6><p>Monthly (interest) In fine (capital)<\/p><h6 style=\"margin-bottom: 1px\"><strong>Disbursement method (cash, check, transfer)<\/strong><\/h6><p>Disbursement to the customer's current account.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Nominal interest rate 1<\/strong><\/h6><p>Minimum 1.5% per month<\/p><h6 style=\"margin-bottom: 1px\"><strong>Rate calculation method<\/strong><\/h6><p>On the balance.<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-e457e03\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-e457e03\" aria-controls=\"expand-e457e03\">\n                        <span class=\"title\">COMMISSIONS (excluding tax) &amp; INSURANCE PREMIUM<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-e457e03\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Application fees<\/strong><\/h6><p>3.00%<\/p><h6 style=\"margin-bottom: 1px\"><strong>Consultation fees Volo Report (BIC)<\/strong><\/h6><p>600.00<\/p><h6 style=\"margin-bottom: 1px\"><strong>Late penalties (amount, calculation period)<\/strong><\/h6><p>1.5% per month late after due date<\/p><h6 style=\"margin-bottom: 1px\"><strong>Insurance premium<\/strong><\/h6><p>1%<\/p><\/div><\/div>\n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3c90d73 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3c90d73\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2bfaa73\" data-id=\"2bfaa73\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-536bb68 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"536bb68\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a04505b\" data-id=\"a04505b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8213eee elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"8213eee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-envelope2-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tE-mail\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tinfo@adec-ci.com\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ad16d7 elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"8ad16d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-phone1-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tT\u00e9l\u00e9phone\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t+225 27 22 50 33 26\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6511eb8\" data-id=\"6511eb8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-96fe74f elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"96fe74f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-fax-solid\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFixed\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t+225 27 22 50 31 66\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90e040c elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"90e040c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-map-marker1-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAddress\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFANGUE building, 8th tranche\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6db46361 elementor-section-content-middle elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6db46361\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7f116366\" data-id=\"7f116366\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1298ef5e elementor-widget elementor-widget-jkit_heading\" data-id=\"1298ef5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-center align-tablet- align-mobile-center jeg_module__9_6a21cf501ed59\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Become Our Loyal Customer, Reach Our Team Right Now<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2231473e elementor-widget elementor-widget-text-editor\" data-id=\"2231473e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e17b456 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"2e17b456\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"\/en\/nos-produits\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Our products<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fda7a88 elementor-section-content-middle collapse-p elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fda7a88\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2ed67de\" data-id=\"2ed67de\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed807e7 elementor-widget elementor-widget-jkit_heading\" data-id=\"ed807e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__10_6a21cf501f4c9\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\"><span class=\"style-gradient\"><span>Advance on invoice<\/span><\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12a39da elementor-widget elementor-widget-jkit_accordion\" data-id=\"12a39da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-accordion style-curve jeg_module__11_6a21cf501fbd0\" ><div class=\"card-wrapper expand\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-8fab880\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-8fab880\" aria-controls=\"expand-8fab880\">\n                        <span class=\"title\">MAIN FEATURES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-8fab880\" style=\"display:block\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Customer segment<\/strong><\/h6><p>Trader (all sectors of activity) Artisan<\/p><h6 style=\"margin-bottom: 1px\"><strong>Purpose of the loan<\/strong><\/h6><p>Advance on an invoice executed and accepted by the ordering party<\/p><h6 style=\"margin-bottom: 1px\"><strong>General eligibility criteria<\/strong><\/h6><p>Legal entities or individual entrepreneurs aged 25 to 60 - Ivorian nationality or resident for at least 3 years - 12 months of presence in the same location - 5 years of seniority in the activity, with proven profitability over the last 2 years.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Specific criteria<\/strong><\/h6><p class=\"translation-block\">Collection of required documents and AML verification according to current regulations; Adec may<br>define specific exclusions by sector of activity, if economic factors are considered<br>too risky.<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-34c3ab0\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-34c3ab0\" aria-controls=\"expand-34c3ab0\">\n                        <span class=\"title\">GUARANTEES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-34c3ab0\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Material guarantees + A11: B18<\/strong><\/h6><p class=\"translation-block\">Obligatoire : cession de cr\u00e9ances, domiciliation irr\u00e9vocable du paiement dans les livres d'ADEC<br>Optionnelle : nantissement du fonds de commerce, garantie hypoth\u00e9caire (tout type d'actifs),<br>nantissement du stock de marchandises, du mat\u00e9riel, des \u00e9quipements.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Personal guarantee<\/strong><\/h6><p>N\/A<\/p><h6 style=\"margin-bottom: 1px\"><strong>Financial guarantee<\/strong><\/h6><p>No<\/p><h6 style=\"margin-bottom: 1px\"><strong>Mandatory security deposit<\/strong><\/h6><p>No<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-356f3d2\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-356f3d2\" aria-controls=\"expand-356f3d2\">\n                        <span class=\"title\">CREDIT CHARACTERISTICS<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-356f3d2\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Minimum loan amount (FCFA)<\/strong><\/h6><p>500,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum loan amount (FCFA)<\/strong><\/h6><p>25,000,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum duration of a loan<\/strong><\/h6><p>4 Mois<\/p><h6 style=\"margin-bottom: 1px\"><strong>Special feature<\/strong><\/h6><p>Maximum 80% du montant de la facture<\/p><h6 style=\"margin-bottom: 1px\"><strong>Reimbursement frequency<\/strong><\/h6><p>In fine<\/p><h6 style=\"margin-bottom: 1px\"><strong>Disbursement method (cash, check, transfer)<\/strong><\/h6><p>Disbursement to the customer's current account<\/p><h6 style=\"margin-bottom: 1px\"><strong>Nominal interest rate 1<\/strong><\/h6><p>1.5% per month<\/p><h6 style=\"margin-bottom: 1px\"><strong>Rate calculation method<\/strong><\/h6><p>Flat<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-e457e03\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-e457e03\" aria-controls=\"expand-e457e03\">\n                        <span class=\"title\">COMMISSIONS (excluding tax) &amp; INSURANCE PREMIUM<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-e457e03\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Application fees<\/strong><\/h6><p>3.00%<\/p><h6 style=\"margin-bottom: 1px\"><strong>Consultation fees Volo Report (BIC)<\/strong><\/h6><p>600.00<\/p><h6 style=\"margin-bottom: 1px\"><strong>Late penalties (amount, calculation period)<\/strong><\/h6><p>1.5% per month late after due date<\/p><h6 style=\"margin-bottom: 1px\"><strong>Insurance premium<\/strong><\/h6><p>1%<\/p><\/div><\/div>\n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ee0a802 elementor-hidden-phone\" data-id=\"ee0a802\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-39a8eb8 elementor-widget elementor-widget-image\" data-id=\"39a8eb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1334\" src=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Avance-facture.png\" class=\"attachment-full size-full wp-image-1476\" alt=\"\" srcset=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Avance-facture.png 2000w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Avance-facture-300x200.png 300w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Avance-facture-1024x683.png 1024w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Avance-facture-768x512.png 768w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Avance-facture-1536x1025.png 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b52014c animated-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"b52014c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_delay&quot;:50}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-faffaee\" data-id=\"faffaee\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f25f957 elementor-widget elementor-widget-heading\" data-id=\"f25f957\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Are you interested?\u200b<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c92cde elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2c92cde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-right-arrow-light\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take advantage of the offer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1125c59 elementor-section-content-middle collapse-p elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1125c59\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a633292 elementor-hidden-phone\" data-id=\"a633292\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68feedb elementor-widget elementor-widget-image\" data-id=\"68feedb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1334\" src=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-scolaire.png\" class=\"attachment-full size-full wp-image-1472\" alt=\"\" srcset=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-scolaire.png 2000w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-scolaire-300x200.png 300w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-scolaire-1024x683.png 1024w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-scolaire-768x512.png 768w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/Credit-scolaire-1536x1025.png 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8142d89 animated-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"8142d89\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:50}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b71f0cb\" data-id=\"b71f0cb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c5850f elementor-widget elementor-widget-heading\" data-id=\"4c5850f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Are you interested?\u200b<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ace472 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6ace472\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-right-arrow-light\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take advantage of the offer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-452254c\" data-id=\"452254c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-499178c elementor-widget elementor-widget-jkit_heading\" data-id=\"499178c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__12_6a21cf50207cd\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\"><span class=\"style-gradient\"><span>School credit<\/span><\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb2cb9c elementor-widget elementor-widget-jkit_accordion\" data-id=\"eb2cb9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-accordion style-curve jeg_module__13_6a21cf5020ec6\" ><div class=\"card-wrapper expand\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-8fab880\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-8fab880\" aria-controls=\"expand-8fab880\">\n                        <span class=\"title\">MAIN FEATURES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-8fab880\" style=\"display:block\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Customer segment<\/strong><\/h6><p>Micro-entrepreneurs, VSEs, SMEs, entrepreneurs, private sector employees.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Purpose of the loan<\/strong><\/h6><p class=\"translation-block\">Financing back-to-school expenses (tuition fees, school supplies, transport, outfits, canteen, student accommodation)<\/p><h6 style=\"margin-bottom: 1px\"><strong>General eligibility criteria<\/strong><\/h6><p>Natural persons aged 25 to 60 - Ivorian nationality or resident for at least 3 years) - 12 months of presence in the same location or - 2 years of seniority in the activity, with proven profitability over the last 12 months or - private sector employee with minimum seniority of 12 months<\/p><h6 style=\"margin-bottom: 1px\"><strong>Specific criteria<\/strong><\/h6><p>Collection of required documents and AML verification according to current regulations; Adec may define specific exclusions by sector of activity, if economic factors are considered too risky.<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-34c3ab0\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-34c3ab0\" aria-controls=\"expand-34c3ab0\">\n                        <span class=\"title\">GUARANTEES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-34c3ab0\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Material guarantees + A11: B18<\/strong><\/h6><p>Optional: assignment of receivables, pledge of stock.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Personal guarantee<\/strong><\/h6><p>N\/A<\/p><h6 style=\"margin-bottom: 1px\"><strong>Financial guarantee<\/strong><\/h6><p>Mandatory: domiciliation of salary for employees Optional: DAT<\/p><h6 style=\"margin-bottom: 1px\">Mandatory security deposit<\/h6><p>50.000 Fcfa<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-356f3d2\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-356f3d2\" aria-controls=\"expand-356f3d2\">\n                        <span class=\"title\">CREDIT CHARACTERISTICS<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-356f3d2\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Minimum loan amount (FCFA)<\/strong><\/h6><p>500,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum loan amount (FCFA)<\/strong><\/h6><p>2,000,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum duration of a loan<\/strong><\/h6><p>9 months<\/p><h6 style=\"margin-bottom: 1px\"><strong>Special feature<\/strong><\/h6><p>N\/A<\/p><h6 style=\"margin-bottom: 1px\"><strong>Reimbursement frequency<\/strong><\/h6><p>Monthly<\/p><h6 style=\"margin-bottom: 1px\"><strong>Disbursement method (cash, check, transfer)<\/strong><\/h6><p>Collection at the counter by customer and\/or LDF vouchers and\/or direct payment to suppliers<\/p><h6 style=\"margin-bottom: 1px\"><strong>Nominal interest rate 1<\/strong><\/h6><p>1% per month<\/p><h6 style=\"margin-bottom: 1px\"><strong>Rate calculation method<\/strong><\/h6><p>On the remaining capital<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-e457e03\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-e457e03\" aria-controls=\"expand-e457e03\">\n                        <span class=\"title\">COMMISSIONS (excluding tax) &amp; INSURANCE PREMIUM<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-e457e03\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Application fees<\/strong><\/h6><p>2%<\/p><h6 style=\"margin-bottom: 1px\"><strong>Consultation fees Volo Report (BIC)<\/strong><\/h6><p>600.00<\/p><h6 style=\"margin-bottom: 1px\"><strong>Late penalties (amount, calculation period)<\/strong><\/h6><p>1.5% per month late after due date.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Insurance premium<\/strong><\/h6><p>1% of the amount<\/p><\/div><\/div>\n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ae08eda elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ae08eda\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-243e2a0\" data-id=\"243e2a0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4634e39 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4634e39\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-19a47af\" data-id=\"19a47af\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22df72f elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"22df72f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-envelope2-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tE-mail\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tinfo@adec-ci.com\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4ad93f elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c4ad93f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-phone1-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tT\u00e9l\u00e9phone\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t+225 27 22 50 33 26\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7b6fa13\" data-id=\"7b6fa13\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c60322f elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c60322f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-fax-solid\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFixed\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t+225 27 22 50 31 66\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80e4567 elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"80e4567\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-map-marker1-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAddress\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFANGUE building, 8th tranche\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7846ed6 elementor-section-content-middle collapse-p elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7846ed6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a0b093f\" data-id=\"a0b093f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63467b7 elementor-widget elementor-widget-jkit_heading\" data-id=\"63467b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__14_6a21cf5021a65\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\"><span class=\"style-gradient\"><span>Cr\u00e9dit scolaire agri <\/span><\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fff7da7 elementor-widget elementor-widget-jkit_accordion\" data-id=\"fff7da7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-accordion style-curve jeg_module__15_6a21cf5022146\" ><div class=\"card-wrapper expand\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-8fab880\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-8fab880\" aria-controls=\"expand-8fab880\">\n                        <span class=\"title\">MAIN FEATURES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-8fab880\" style=\"display:block\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Customer segment<\/strong><\/h6><p>Producteur individuel membre d&amp;#39;une coop\u00e9rative cliente d'ADEC ou membre d'une entreprise en partenariat avec ADEC<\/p><h6 style=\"margin-bottom: 1px\"><strong>Purpose of the loan<\/strong><\/h6><p>Financement des frais de scolarit\u00e9 (frais d'inscription, de scolarit\u00e9, fournitures et logement)<\/p><h6 style=\"margin-bottom: 1px\"><strong>General eligibility criteria<\/strong><\/h6><p>- personnes physiques \u00e2g\u00e9es de 25 \u00e0 60 ans - Nationalit\u00e9 Ivoirienne ou r\u00e9sident depuis au moins 3 ans -Producteur en r\u00e8gle vis-\u00e0-vis de la coop\u00e9rative.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Specific criteria<\/strong><\/h6><p>Collection of required documents and AML verification according to current regulations; Adec may define specific exclusions by sector of activity, if economic factors are considered too risky.<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-34c3ab0\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-34c3ab0\" aria-controls=\"expand-34c3ab0\">\n                        <span class=\"title\">GUARANTEES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-34c3ab0\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Material guarantees + A11: B18<\/strong><\/h6><p>Non.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Personal guarantee<\/strong><\/h6><p>Caution de la coop\u00e9rative<\/p><h6 style=\"margin-bottom: 1px\"><strong>Financial guarantee<\/strong><\/h6><p>No<\/p><h6 style=\"margin-bottom: 1px\"><strong>Mandatory security deposit<\/strong><\/h6><p>No<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-356f3d2\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-356f3d2\" aria-controls=\"expand-356f3d2\">\n                        <span class=\"title\">CREDIT CHARACTERISTICS<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-356f3d2\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Minimum loan amount (FCFA)<\/strong><\/h6><p>20,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum loan amount (FCFA)<\/strong><\/h6><p>250,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum duration of a loan<\/strong><\/h6><p>03 Mois<\/p><h6 style=\"margin-bottom: 1px\"><strong>Special feature<\/strong><\/h6><p>Remboursement \u00e0 ADEC par les coop\u00e9ratives via YU<\/p><h6 style=\"margin-bottom: 1px\">Reimbursement frequency<\/h6><p>Mensuelle sur la grande campagne : d'octobre \u00e0 d\u00e9cembre.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Disbursement method (cash, check, transfer)<\/strong><\/h6><p>D\u00e9p\u00f4t sur compte YUP des coop\u00e9ratives<\/p><h6 style=\"margin-bottom: 1px\"><strong>Nominal interest rate 1<\/strong><\/h6><p>1,25% par mois Prime de risque 2% \u00e0 chaque d\u00e9blocage (cr\u00e9dits group\u00e9s)<\/p><h6 style=\"margin-bottom: 1px\"><strong>Rate calculation method<\/strong><\/h6><p>On the remaining capital<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-e457e03\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-e457e03\" aria-controls=\"expand-e457e03\">\n                        <span class=\"title\">COMMISSIONS (excluding tax) &amp; INSURANCE PREMIUM<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-e457e03\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Application fees<\/strong><\/h6><p>2.00%<\/p><h6 style=\"margin-bottom: 1px\"><strong>Consultation fees Volo Report (BIC)<\/strong><\/h6><p>600.00<\/p><h6 style=\"margin-bottom: 1px\"><strong>Late penalties (amount, calculation period)<\/strong><\/h6><p>1.5% per month late after due date.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Insurance premium<\/strong><\/h6><p>1% du montant si cr\u00e9dit individuel (N\/A cr\u00e9dits group\u00e9s)<\/p><\/div><\/div>\n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d4b0b49 elementor-hidden-phone\" data-id=\"d4b0b49\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7fb1faa elementor-widget elementor-widget-image\" data-id=\"7fb1faa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1334\" src=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/11\/Agriculteurs.png\" class=\"attachment-full size-full wp-image-2717\" alt=\"\" srcset=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/11\/Agriculteurs.png 2000w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/11\/Agriculteurs-300x200.png 300w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/11\/Agriculteurs-1024x683.png 1024w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/11\/Agriculteurs-768x512.png 768w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/11\/Agriculteurs-1536x1025.png 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2887c50 animated-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"2887c50\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_delay&quot;:50}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-dcfd3e0\" data-id=\"dcfd3e0\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91c85ac elementor-widget elementor-widget-heading\" data-id=\"91c85ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Are you interested?\u200b<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a93491c elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a93491c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-right-arrow-light\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take advantage of the offer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-298750a elementor-section-content-middle collapse-p elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"298750a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-01a2b0f\" data-id=\"01a2b0f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f7b04e7 elementor-widget elementor-widget-jkit_heading\" data-id=\"f7b04e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__16_6a21cf5022cdd\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\"><span class=\"style-gradient\"><span>Personal loan<\/span><\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8081b0e elementor-widget elementor-widget-jkit_accordion\" data-id=\"8081b0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-accordion style-curve jeg_module__17_6a21cf50233c0\" ><div class=\"card-wrapper expand\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-8fab880\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-8fab880\" aria-controls=\"expand-8fab880\">\n                        <span class=\"title\">MAIN FEATURES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-8fab880\" style=\"display:block\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Customer segment<\/strong><\/h6><p>Entrepreneur (all sectors) Private sector employee<\/p><h6 style=\"margin-bottom: 1px\"><strong>Purpose of the loan<\/strong><\/h6><p class=\"translation-block\">Financement de projet personnel (am\u00e9nagement, travaux etc.) ou acquisition de biens de<br>consommation.<\/p><h6 style=\"margin-bottom: 1px\"><strong>General eligibility criteria<\/strong><\/h6><p>Individuals aged 25 to 60 - Ivorian nationality or resident for at least 3 years - 12 months of presence in the same location or - 2 years of seniority in the activity, with proven profitability over the last 12 months or - employee from the private sector with minimum seniority of 12 months.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Specific criteria<\/strong><\/h6><p>Collection of required documents and AML verification according to current regulations; Adec may define specific exclusions by sector of activity, if economic factors are considered too risky.<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-34c3ab0\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-34c3ab0\" aria-controls=\"expand-34c3ab0\">\n                        <span class=\"title\">GUARANTEES<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-34c3ab0\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Material guarantees + A11: B18<\/strong><\/h6><p>Optionnelle : garantie hypoth\u00e9caire (tout type d&amp;#39;actifs), nantissement du mat\u00e9riel, des \u00e9quipements.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Personal guarantee<\/strong><\/h6><p>N\/A<\/p><h6 style=\"margin-bottom: 1px\"><strong>Financial guarantee<\/strong><\/h6><p>Mandatory: domiciliation of salary for employees Optional: Blocked savings or DAT<\/p><h6 style=\"margin-bottom: 1px\">Mandatory security deposit<\/h6><p>No<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-356f3d2\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-356f3d2\" aria-controls=\"expand-356f3d2\">\n                        <span class=\"title\">CREDIT CHARACTERISTICS<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-356f3d2\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Minimum loan amount (FCFA)<\/strong><\/h6><p>100,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum loan amount (FCFA)<\/strong><\/h6><p>20,000,000<\/p><h6 style=\"margin-bottom: 1px\"><strong>Maximum duration of a loan<\/strong><\/h6><p>12 months<\/p><h6 style=\"margin-bottom: 1px\"><strong>Special feature<\/strong><\/h6><p>N\/A<\/p><h6 style=\"margin-bottom: 1px\">Reimbursement frequency<\/h6><p>Monthly\u00a0<\/p><h6 style=\"margin-bottom: 1px\"><strong>Disbursement method (cash, check, transfer)<\/strong><\/h6><p>Disbursement to the customer's current account.<\/p><h6 style=\"margin-bottom: 1px\"><strong>Nominal interest rate 1<\/strong><\/h6><p>1,25% par mois<\/p><h6 style=\"margin-bottom: 1px\"><strong>Rate calculation method<\/strong><\/h6><p>On the remaining capital<\/p><\/div><\/div>\n            <\/div><div class=\"card-wrapper\">\n                <div class=\"card-header\">\n                    <a href=\"#expand-e457e03\" class=\"card-header-button\" aria-expanded=\"false\" data-target=\"#expand-e457e03\" aria-controls=\"expand-e457e03\">\n                        <span class=\"title\">COMMISSIONS (excluding tax) &amp; INSURANCE PREMIUM<\/span><div class=\"right-icon-group\">\n                <div class=\"normal-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n                <div class=\"active-icon\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n            <\/div>\n                    <\/a>\n                <\/div>\n                <div class=\"card-expand\" id=\"expand-e457e03\" style=\"display:none\"><div class=\"card-body\"><h6 style=\"margin-bottom: 1px\"><strong>Application fees<\/strong><\/h6><p>3.00%<\/p><h6 style=\"margin-bottom: 1px\"><strong>Consultation fees Volo Report (BIC)<\/strong><\/h6><p>600.00<\/p><h6 style=\"margin-bottom: 1px\"><strong>Late penalties (amount, calculation period)<\/strong><\/h6><p>1.5% per month late after due date<\/p><h6 style=\"margin-bottom: 1px\"><strong>Insurance premium<\/strong><\/h6><p>1%<\/p><\/div><\/div>\n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9cbcfd7 elementor-hidden-phone\" data-id=\"9cbcfd7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74d3ff8 elementor-widget elementor-widget-image\" data-id=\"74d3ff8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1334\" src=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/credit-personnel.png\" class=\"attachment-full size-full wp-image-1464\" alt=\"\" srcset=\"https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/credit-personnel.png 2000w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/credit-personnel-300x200.png 300w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/credit-personnel-1024x683.png 1024w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/credit-personnel-768x512.png 768w, https:\/\/ci-adec.com\/wp-content\/uploads\/2023\/06\/credit-personnel-1536x1025.png 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-00b515d animated-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"00b515d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:50}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-cbf2417\" data-id=\"cbf2417\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b78104f elementor-widget elementor-widget-heading\" data-id=\"b78104f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Are you interested?\u200b<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9b15b6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c9b15b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-right-arrow-light\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take advantage of the offer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-26b9fdee elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"26b9fdee\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7b69cfac\" data-id=\"7b69cfac\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d6b1ff9 elementor-widget elementor-widget-jkit_heading\" data-id=\"3d6b1ff9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-center align-tablet-center align-mobile-center jeg_module__18_6a21cf5023f52\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Subscribe <span class=\"style-gradient\"><span>Newsletter<\/span><\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66239d7b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"66239d7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3373c6cc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3373c6cc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-30a7b5f8\" data-id=\"30a7b5f8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-716ac374 elementor-widget__width-initial elementor-widget elementor-widget-jkit_mailchimp\" data-id=\"716ac374\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_mailchimp.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-mailchimp style-inline jeg_module__19_6a21cf50253bb\" ><form method=\"post\" class=\"jkit-mailchimp-form\" data-listed=\"\" data-success-message=\"Successfully listed this email\" data-error-message=\"Something went wrong\" action=\"\">\n            <div class=\"jkit-mailchimp-message\"><\/div>\n            <div class=\"jkit-form-wrapper email-form\">\n                <div class=\"jkit-mailchimp-email jkit-input-wrapper input-container\">\n            <div class=\"jkit-form-group\">\n                <div class=\"jkit-input-element-container jkit-input-group\">\n                    <input type=\"email\" name=\"email\" class=\"jkit-email jkit-form-control\" placeholder=\"Your Message\" required=\"\">\n                <\/div>\n            <\/div>\n        <\/div><div class=\"jkit-submit-input-holder jkit-input-wrapper\">\n            <button type=\"submit\" class=\"jkit-mailchimp-submit position-before\" name=\"jkit-mailchimp\">\n                <i aria-hidden=\"true\" class=\"jki jki-send-line\"><\/i>Sign Up\n            <\/button>\n        <\/div>\n            <\/div>\n        <input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e531141 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e531141\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-98890d7\" data-id=\"98890d7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9090b9d elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9090b9d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e9cd7bc\" data-id=\"e9cd7bc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ac6127a elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"ac6127a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-envelope2-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tE-mail\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tinfo@adec-ci.com\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ddaced3 elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"ddaced3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/wa.me\/+2250586988094\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"WhatsApp\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-whatsapp-2-light\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/wa.me\/+2250586988094\" >\n\t\t\t\t\t\t\tWhatsApp\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t+225 05 869 880 94 \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bb94779\" data-id=\"bb94779\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29dad49 elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"29dad49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-fax-solid\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFixed\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t+225 27 22 53 76 76\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d4d01f elementor-position-inline-start elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"6d4d01f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-map-marker1-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAddress\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFANGUE building, 8th tranche\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Nos Produits De Cr\u00e9dit Le cr\u00e9dit sur mesure, pour vous. B\u00eassa CRED CARACTERISTIQUES GENERALES Segment client Producteur et\/ou Commer\u00e7ant agroalimentaire Artisan Objet du pr\u00eat Investissements Crit\u00e8res d\u2019\u00e9ligibilit\u00e9 g\u00e9n\u00e9raux Personnes morales ou entrepreneurs individuels \u00e2g\u00e9s de 21 \u00e0 60 ans &#8211; Nationalit\u00e9 Ivoirienne ou r\u00e9sident depuis au moins 3 ans &#8211; 6 mois de pr\u00e9sence au [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-937","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ci-adec.com\/en\/wp-json\/wp\/v2\/pages\/937","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ci-adec.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ci-adec.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ci-adec.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ci-adec.com\/en\/wp-json\/wp\/v2\/comments?post=937"}],"version-history":[{"count":466,"href":"https:\/\/ci-adec.com\/en\/wp-json\/wp\/v2\/pages\/937\/revisions"}],"predecessor-version":[{"id":4332,"href":"https:\/\/ci-adec.com\/en\/wp-json\/wp\/v2\/pages\/937\/revisions\/4332"}],"wp:attachment":[{"href":"https:\/\/ci-adec.com\/en\/wp-json\/wp\/v2\/media?parent=937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}