Vivalis Salaf Morocco Official Website

Vivalis Salaf is a prominent Moroccan financial institution specializing in consumer credit. As a subsidiary of the Banque Populaire Group, one of Morocco's leading banking conglomerates, Vivalis Salaf has established itself as a key player in the country's financial sector. This comprehensive overview delves into the company's history, services, digital initiatives, governance, and its role within Morocco's economic landscape.


Origins and Evolution

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Established in 1989 under the name Assalaf Chaabi, Vivalis Salaf was created to address the growing demand for consumer credit in Morocco. In 1992, the company underwent a rebranding to become Vivalis Salaf, aligning more closely with its mission and the evolving financial landscape. The rebranding also marked a strategic move to strengthen its identity within the Banque Populaire Group, enhancing its visibility and outreach in the Moroccan market.


Core Services and Offerings

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Vivalis Salaf specializes in providing a range of consumer credit products tailored to meet the diverse needs of Moroccan citizens. Its primary offerings include:

  • Personal Loans: Designed to finance various personal projects, from home renovations to educational expenses.

  • Auto Loans: Facilitating the purchase of new or used vehicles with competitive interest rates and flexible repayment terms.

  • Credit Consolidation: Allowing clients to merge multiple debts into a single loan, simplifying repayments and potentially reducing overall interest costs.

These services are characterized by their adaptability, quick response times, and personalized customer support, ensuring that clients receive solutions aligned with their financial capacities and goals.Β 


Digital Transformation: Vivalis Net

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In response to the increasing digitization of financial services, Vivalis Salaf launched Vivalis Net, a fully digital platform aimed at enhancing customer experience and accessibility. This initiative allows clients to

  • Simulate loan offers and understand repayment structures.

  • Submit credit applications online, reducing the need for physical branch visits.

  • Access personalized support through digital channels.

Vivalis Net exemplifies the company's commitment to innovation and customer-centric services, aligning with global trends in digital banking.


Organizational Structure and Governance

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Operating from its headquarters in Casablanca, Vivalis Salaf boasts a workforce of approximately 100 to 200 employees. The company's governance is overseen by President Naziha Belkziz and Director Nour-Eddine Fadouach, who bring extensive experience in the financial sector.Β 

As part of the Banque Populaire Group, Vivalis Salaf benefits from the conglomerate's extensive network and resources, enabling it to offer competitive services and maintain financial stability.


Financial Performance and Market Position

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Vivalis Salaf has demonstrated robust financial performance, with a reported turnover ranging between 50 million to 100 million Moroccan Dirhams. The company's capital stands at 177 million Dirhams, reflecting its solid financial foundation.

In terms of market presence, Vivalis Salaf holds a significant position in Morocco's consumer credit sector, leveraging its affiliation with the Banque Populaire Group to enhance its reach and credibility.Β 


Commitment to Ethical Practices

Vivalis Salaf places a strong emphasis on ethical practices and corporate responsibility. The company adheres to a comprehensive code of ethics, particularly in areas related to credit intermediation and debt collection. Its policies are designed to ensure transparency, fairness, and compliance with regulatory standards, reinforcing trust among clients and stakeholders.Β 


Community Engagement and Employment

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Beyond its financial services, Vivalis Salaf actively contributes to community development and employment in Morocco. The company regularly recruits customer service representatives across the country, offering career opportunities and contributing to the local economy. Its human resources policies emphasize employee development, diversity, and inclusion, fostering a positive work environment.


Conclusion

Vivalis Salaf stands as a testament to the dynamic evolution of Morocco's financial sector. Through its comprehensive consumer credit services, digital innovations, and commitment to ethical practices, the company has solidified its role as a trusted financial partner for Moroccan citizens. As it continues to adapt to changing market dynamics and customer needs, Vivalis Salaf is poised to maintain its trajectory of growth and positive impact within the community.