{"id":150976,"date":"2018-04-26T14:20:17","date_gmt":"2018-04-26T13:20:17","guid":{"rendered":"http:\/\/kapitalis.com\/tunisie\/?p=150976"},"modified":"2018-04-26T14:24:38","modified_gmt":"2018-04-26T13:24:38","slug":"younes-el-ghoul-economie-collaborative-et-emploi-partage-au-service-des-pme","status":"publish","type":"post","link":"https:\/\/kapitalis.com\/tunisie\/2018\/04\/26\/younes-el-ghoul-economie-collaborative-et-emploi-partage-au-service-des-pme\/","title":{"rendered":"Younes El Ghoul : Economie collaborative et emploi partag\u00e9 au service des PME"},"content":{"rendered":"

\"\"<\/p>\n

Le crowdfunding, l\u2019emploi partag\u00e9, l\u2019\u00e9conomie de partage et la mutualisation\u2026 sont quelques pistes de modernisation pour favoriser le d\u00e9veloppement des entreprises, estime l’expert Younes El Ghoul.<\/strong><\/em><\/p>\n

Les concepts li\u00e9s \u00e0 l\u2019\u00e9conomie collaborative (\u00absharing economy\u00bb<\/em>) sont pl\u00e9biscit\u00e9s par les entreprises, car il s\u2019agit de modes alternatifs de gestion des affaires en phase avec les d\u00e9fis financiers, \u00e9cologiques et marketing.<\/p>\n

Parmi ces concepts, il y a le financement participatif (\u00abcrowdfunding\u00bb<\/em>) et l\u2019emploi partag\u00e9, qui sont en plein essor en Europe et en Am\u00e9rique du nord, mais restent des th\u00e9matiques embryonnaires en Tunisie, alors m\u00eame qu\u2019elles semblent apporter des r\u00e9ponses aux d\u00e9fis du d\u00e9veloppement \u00e9conomique et social.<\/p>\n

La derni\u00e8re loi vot\u00e9e en faveur des startups et l\u2019annonce du minist\u00e8re de l\u2019Industrie qu\u2019une loi sur le \u00abcrowdfunding\u00bb<\/em> sera pr\u00eate en juin 2018 sont des nouvelles importantes en faveur des solutions alternatives favorisant le d\u00e9veloppement et l\u2019inclusion financi\u00e8re.<\/p>\n

Pour avoir l\u2019avis des chercheurs scientifiques, Younes El Ghoul, de la startup SQLI Services<\/a>, bas\u00e9e \u00e0 la Technop\u00f4le de Manouba, a accept\u00e9 de r\u00e9pondre \u00e0 quelques questions.<\/p>\n

Quel serait l\u2019impact du crowdfunding pour l\u2019\u00e9conomie tunisienne ?<\/strong><\/em><\/p>\n

Younes El Ghoul : <\/strong><\/em>Le \u00abcrowdfunding\u00bb<\/em> est une r\u00e9volution car il casse le monopole des banques dans l\u2019octroi des cr\u00e9dits aux petites et moyennes entreprises (PME). Ce mode alternatif aura un impact positif sur l\u2019\u00e9cosyst\u00e8me des PME et les projets des associations\/fondations…<\/p>\n

Notre \u00e9quipe de recherche a \u00e9t\u00e9 la premi\u00e8re \u00e0 se sp\u00e9cialiser sur la question. En effet, en 2013, des travaux cofinanc\u00e9s par le dispositif Mobidoc ont \u00e9t\u00e9 men\u00e9s. Sp\u00e9cialistes de la question, nos \u00e9quipes ont \u00e9t\u00e9 \u00e0 l\u2019origine d\u2019un projet men\u00e9 en France sur le crowdfunding<\/em> et la mutualisation de la tr\u00e9sorerie exc\u00e9dentaire au sein d\u2019une fili\u00e8re industrielle.<\/p>\n

Ce projet a \u00e9t\u00e9 labellis\u00e9 par le P\u00f4le de comp\u00e9titivit\u00e9 Finance Paris Europlace et co-financ\u00e9 par le minist\u00e8re fran\u00e7ais des Finances. Il a \u00e9t\u00e9 \u00e0 l\u2019origine d\u2019une loi \u00e9conomique baptis\u00e9e Loi Macron pour les pr\u00eats inter-entreprises, qui permet aux entreprises fran\u00e7aises de mutualiser leur tr\u00e9sorerie exc\u00e9dentaire avec leurs fournisseurs ou les fournisseurs de leurs fournisseurs (\u00abSupply Chain\u00bb<\/em>).<\/p>\n

Face \u00e0 la complexit\u00e9 pour obtenir des cr\u00e9dits aupr\u00e8s des banques, une soci\u00e9t\u00e9 peut obtenir un cr\u00e9dit aupr\u00e8s de ses clients. Aujourd\u2019hui, des entreprises d\u2019une m\u00eame fili\u00e8re pourraient financer leur BFR sans passer par une banque.<\/p>\n

Il serait int\u00e9ressant que la prochaine loi tunisienne en faveur du \u00abcrowdfunding\u00bb<\/em> int\u00e8gre des dispositifs en faveur de la mutualisation de tr\u00e9sorerie exc\u00e9dentaire entre entreprises faisant partie d\u2019une m\u00eame fili\u00e8re industrielle ou une Supply Chain.<\/p>\n

De notre c\u00f4t\u00e9, nous continuerons \u00e0 d\u00e9velopper des solutions technologiques de \u00abcrowdfunding\u00bb<\/em> pour nos clients europ\u00e9ens et des syst\u00e8mes d\u2019information BlockChain pour la Supply Chain Finance.
\nDe nouveau, notre soci\u00e9t\u00e9 a obtenu 2 financements des th\u00e8ses aupr\u00e8s de dispositifs Mobidoc.<\/p>\n

Face \u00e0 un taux d\u2019encadrement faible des PME, face au ch\u00f4mage des jeunes et aux difficult\u00e9s des startups \u00e0 recruter, est-ce que le concept d\u2019emploi partag\u00e9 issu de la sharing economy pourrait \u00eatre une solution pour l\u2019\u00e9conomie tunisienne?<\/strong><\/em><\/p>\n

L\u2019emploi partag\u00e9 serait une formidable solution pour plusieurs probl\u00e8mes tels que le taux faible d\u2019encadrement, le ch\u00f4mage des jeunes et la survie des startups.<\/p>\n

Aujourd\u2019hui, le code du travail n\u2019autorise pas le partage de comp\u00e9tences et des ressources humaines. Pourtant nombreuses sont les entreprises tunisiennes ayant besoin d\u2019un cadre sp\u00e9cialis\u00e9 pour seulement quelques heures ou une journ\u00e9e au plus par semaine et qui pourraient tirer avantage de pouvoir mobiliser, en coordination avec d\u2019autres entreprises se trouvant dans la m\u00eame situation, une telle ressource humaine. L\u2019individu concern\u00e9 y trouverait \u00e9galement avantage en retrouvant par ce biais un poste \u00e0 temps plein.<\/p>\n

En France par exemple, le droit du travail int\u00e8gre le concept de Groupement d\u2019employeurs permettant \u00e0 des startups, des PME, des agriculteurs, de se regrouper en association pour recruter un cadre. Cela permet \u00e0 des entreprises d\u2019avoir un cadre stable et au jeune dipl\u00f4m\u00e9 concern\u00e9 une situation stable (contrat CDI).<\/p>\n

R\u00e9cemment, ce dispositif a \u00e9t\u00e9 enrichi par des lois sur l\u2019emploi Partag\u00e9, permettant \u00e0 des entreprises confront\u00e9es \u00e0 des difficult\u00e9s temporaires de mutualiser la ressource humaine disponible avec d\u2019autres entreprises ayant besoin d\u2019un renfort momentan\u00e9.<\/p>\n

De tels dispositifs, s\u2019ils \u00e9taient vot\u00e9s en Tunisie, permettraient \u00e0 des startups ayant un ing\u00e9nieur ou consultant en inter-contrat, de le mutualiser avec d\u2019autres startups et ainsi de partager les co\u00fbts.<\/p>\n

L\u2019emploi partag\u00e9 serait, sans doute, une solution intelligente pour booster la comp\u00e9titivit\u00e9 des entreprises et r\u00e9soudre une partie du probl\u00e8me du ch\u00f4mage. Par ailleurs, l\u2019emploi partag\u00e9 serait un alternatif aux missions risqu\u00e9s de Freelance et aux co\u00fbteux contrats d\u2019int\u00e9rim.<\/p>\n","protected":false},"excerpt":{"rendered":"

Le crowdfunding, l\u2019emploi partag\u00e9, l\u2019\u00e9conomie de partage et la mutualisation\u2026 sont quelques pistes de modernisation pour favoriser le d\u00e9veloppement des entreprises, estime l’expert Younes El Ghoul.<\/p>\n","protected":false},"author":8,"featured_media":150979,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[992,995,2433],"tags":[22561,2895],"class_list":["post-150976","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-economie","category-tunisie","tag-blockchain","tag-crowdfunding"],"yoast_head":"\nYounes El Ghoul : Economie collaborative et emploi partag\u00e9 au service des PME - Kapitalis<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kapitalis.com\/tunisie\/2018\/04\/26\/younes-el-ghoul-economie-collaborative-et-emploi-partage-au-service-des-pme\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Younes El Ghoul : Economie collaborative et emploi partag\u00e9 au service des PME - 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