{"id":3607,"date":"2026-08-22T17:24:16","date_gmt":"2026-08-22T17:24:16","guid":{"rendered":"https:\/\/maroczain.com\/?page_id=3607"},"modified":"2026-08-22T18:17:08","modified_gmt":"2026-08-22T18:17:08","slug":"maroc-zain-academy-tableau-financier","status":"publish","type":"page","link":"https:\/\/maroczain.com\/en\/maroc-zain-academy-tableau-financier\/","title":{"rendered":"Maroc zain Academy Tableau financier"},"content":{"rendered":"<div class=\"mza-finance-wrap\">\n      <style>\n        .mza-finance-wrap{max-width:1400px;margin:20px auto;padding:20px;font-family:Arial,sans-serif;color:#172033}\n        .mza-finance-wrap *{box-sizing:border-box}\n        .mza-hero{background:linear-gradient(135deg,#071b33,#0c4f83);color:#fff;padding:28px;border-radius:20px;margin-bottom:20px}\n        .mza-hero h2{margin:0 0 8px;font-size:32px}\n        .mza-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:20px}\n        .mza-kpi,.mza-card{background:#fff;border:1px solid #dde4ee;border-radius:16px;box-shadow:0 6px 24px rgba(0,0,0,.05)}\n        .mza-kpi{padding:18px}\n        .mza-kpi small{display:block;color:#6b7280;font-weight:700;text-transform:uppercase}\n        .mza-kpi strong{display:block;margin-top:6px;font-size:24px;color:#071b33}\n        .mza-card{margin-bottom:20px;overflow:hidden}\n        .mza-card h3{margin:0;padding:18px 20px;background:#f8fbff;color:#071b33;border-bottom:1px solid #dde4ee}\n        .mza-table-wrap{overflow-x:auto}\n        .mza-table{width:100%;border-collapse:collapse}\n        .mza-table th{background:#071b33;color:#fff;text-align:left;padding:12px}\n        .mza-table td{padding:11px 12px;border-bottom:1px solid #e5e7eb}\n        .mza-table input{width:120px;padding:8px;border:1px solid #cbd5e1;border-radius:8px;background:#fffbea;font-weight:700}\n        .mza-total{font-weight:800;background:#eef5fb}\n        .mza-two{display:grid;grid-template-columns:1fr 1fr;gap:18px}\n        .mza-summary{padding:18px}\n        .mza-row{display:flex;justify-content:space-between;gap:15px;padding:10px 0;border-bottom:1px dashed #d5dde7}\n        .mza-note{margin:16px 18px 18px;padding:14px;border-left:5px solid #e9c84a;background:#fff8db;border-radius:8px}\n        @media(max-width:900px){.mza-grid{grid-template-columns:1fr 1fr}.mza-two{grid-template-columns:1fr}}\n        @media(max-width:560px){.mza-grid{grid-template-columns:1fr}.mza-finance-wrap{padding:10px}}\n      <\/style>\n\n      <section class=\"mza-hero\">\n        <h2>Maroc Zain Academy \u2014 Tableau financier<\/h2>\n        <div>Charges, revenus, r\u00e9sultat, marge, seuil de rentabilit\u00e9 et simulation OFPPT\/CSF.<\/div>\n      <\/section>\n\n      <section class=\"mza-grid\">\n        <div class=\"mza-kpi\"><small>Chiffre d'affaires<\/small><strong id=\"mzaKpiCA\">0 MAD<\/strong><\/div>\n        <div class=\"mza-kpi\"><small>Charges<\/small><strong id=\"mzaKpiCharges\">0 MAD<\/strong><\/div>\n        <div class=\"mza-kpi\"><small>R\u00e9sultat<\/small><strong id=\"mzaKpiResultat\">0 MAD<\/strong><\/div>\n        <div class=\"mza-kpi\"><small>Marge<\/small><strong id=\"mzaKpiMarge\">0 %<\/strong><\/div>\n      <\/section>\n\n      <section class=\"mza-card\">\n        <h3>Revenus pr\u00e9visionnels<\/h3>\n        <div class=\"mza-table-wrap\">\n          <table class=\"mza-table\" id=\"mzaRevenus\">\n            <thead><tr><th>Segment<\/th><th>Apprenants<\/th><th>Tarif HT<\/th><th>CA HT<\/th><\/tr><\/thead>\n            <tbody>\n              <tr><td>Agents de voyages<\/td><td><input class=\"mza-volume\" type=\"number\" value=\"2400\"><\/td><td><input class=\"mza-prix\" type=\"number\" value=\"8900\"><\/td><td class=\"mza-ca\">0<\/td><\/tr>\n              <tr><td>Directeurs \/ Managers<\/td><td><input class=\"mza-volume\" type=\"number\" value=\"600\"><\/td><td><input class=\"mza-prix\" type=\"number\" value=\"19900\"><\/td><td class=\"mza-ca\">0<\/td><\/tr>\n              <tr><td>Personnel cabine<\/td><td><input class=\"mza-volume\" type=\"number\" value=\"2000\"><\/td><td><input class=\"mza-prix\" type=\"number\" value=\"24900\"><\/td><td class=\"mza-ca\">0<\/td><\/tr>\n              <tr><td>Formateurs \/ \u00c9cosyst\u00e8me<\/td><td><input class=\"mza-volume\" type=\"number\" value=\"500\"><\/td><td><input class=\"mza-prix\" type=\"number\" value=\"4900\"><\/td><td class=\"mza-ca\">0<\/td><\/tr>\n              <tr class=\"mza-total\"><td>TOTAL<\/td><td id=\"mzaTotalApprenants\">0<\/td><td>\u2014<\/td><td id=\"mzaTotalCA\">0 MAD<\/td><\/tr>\n            <\/tbody>\n          <\/table>\n        <\/div>\n      <\/section>\n\n      <section class=\"mza-card\">\n        <h3>Charges annuelles<\/h3>\n        <div class=\"mza-table-wrap\">\n          <table class=\"mza-table\" id=\"mzaCharges\">\n            <thead><tr><th>Poste<\/th><th>Budget annuel MAD<\/th><\/tr><\/thead>\n            <tbody>\n              <tr><td>Formateurs & jurys<\/td><td><input class=\"mza-charge\" type=\"number\" value=\"18000000\"><\/td><\/tr>\n              <tr><td>Ing\u00e9nierie p\u00e9dagogique<\/td><td><input class=\"mza-charge\" type=\"number\" value=\"6500000\"><\/td><\/tr>\n              <tr><td>Supports, examens & certificats<\/td><td><input class=\"mza-charge\" type=\"number\" value=\"3500000\"><\/td><\/tr>\n              <tr><td>Salles, d\u00e9placements & restauration<\/td><td><input class=\"mza-charge\" type=\"number\" value=\"6220000\"><\/td><\/tr>\n              <tr><td>Administration & salaires<\/td><td><input class=\"mza-charge\" type=\"number\" value=\"6500000\"><\/td><\/tr>\n              <tr><td>Commercial & marketing<\/td><td><input class=\"mza-charge\" type=\"number\" value=\"4000000\"><\/td><\/tr>\n              <tr><td>Comptabilit\u00e9, banque, assurances<\/td><td><input class=\"mza-charge\" type=\"number\" value=\"2330000\"><\/td><\/tr>\n              <tr><td>Plateforme LMS \/ WordPress<\/td><td><input class=\"mza-charge\" type=\"number\" value=\"1800000\"><\/td><\/tr>\n              <tr><td>Logiciels, IA & licences<\/td><td><input class=\"mza-charge\" type=\"number\" value=\"1300000\"><\/td><\/tr>\n              <tr><td>Maintenance & h\u00e9bergement<\/td><td><input class=\"mza-charge\" type=\"number\" value=\"1180000\"><\/td><\/tr>\n              <tr class=\"mza-total\"><td>TOTAL CHARGES<\/td><td id=\"mzaTotalCharges\">0 MAD<\/td><\/tr>\n            <\/tbody>\n          <\/table>\n        <\/div>\n      <\/section>\n\n      <div class=\"mza-two\">\n        <section class=\"mza-card\">\n          <h3>Compte d'exploitation<\/h3>\n          <div class=\"mza-summary\">\n            <div class=\"mza-row\"><span>CA HT<\/span><strong id=\"mzaResumeCA\"><\/strong><\/div>\n            <div class=\"mza-row\"><span>Charges<\/span><strong id=\"mzaResumeCharges\"><\/strong><\/div>\n            <div class=\"mza-row\"><span>R\u00e9sultat<\/span><strong id=\"mzaResumeResultat\"><\/strong><\/div>\n            <div class=\"mza-row\"><span>Marge<\/span><strong id=\"mzaResumeMarge\"><\/strong><\/div>\n          <\/div>\n        <\/section>\n\n        <section class=\"mza-card\">\n          <h3>Seuil de rentabilit\u00e9<\/h3>\n          <div class=\"mza-summary\">\n            <div class=\"mza-row\"><span>Charges fixes<\/span><input id=\"mzaFixes\" type=\"number\" value=\"17110000\"><\/div>\n            <div class=\"mza-row\"><span>Taux co\u00fbts variables (%)<\/span><input id=\"mzaVariable\" type=\"number\" value=\"40\"><\/div>\n            <div class=\"mza-row\"><span>Seuil de rentabilit\u00e9<\/span><strong id=\"mzaSeuil\"><\/strong><\/div>\n            <div class=\"mza-row\"><span>Marge de s\u00e9curit\u00e9<\/span><strong id=\"mzaSecurite\"><\/strong><\/div>\n          <\/div>\n        <\/section>\n      <\/div>\n\n      <section class=\"mza-card\">\n        <h3>Simulation OFPPT \/ CSF<\/h3>\n        <div class=\"mza-summary\">\n          <div class=\"mza-row\"><span>Montant formation HT<\/span><input id=\"mzaOfpptMontant\" type=\"number\" value=\"890000\"><\/div>\n          <div class=\"mza-row\"><span>Taux potentiel OFPPT (%)<\/span><input id=\"mzaOfpptTaux\" type=\"number\" value=\"70\"><\/div>\n          <div class=\"mza-row\"><span>OFPPT potentiel<\/span><strong id=\"mzaOfpptPart\"><\/strong><\/div>\n          <div class=\"mza-row\"><span>Part entreprise<\/span><strong id=\"mzaEntreprisePart\"><\/strong><\/div>\n        <\/div>\n        <div class=\"mza-note\">Simulation uniquement : le financement OFPPT\/CSF n'est pas garanti tant que le dossier n'est pas valid\u00e9 et effectivement rembours\u00e9.<\/div>\n      <\/section>\n\n      <script>\n      (function(){\n        function fmt(v){ return new Intl.NumberFormat('fr-FR',{maximumFractionDigits:0}).format(v)+' MAD'; }\n        function calc(){\n          let ca=0, appr=0;\n          document.querySelectorAll('#mzaRevenus tbody tr:not(.mza-total)').forEach(function(row){\n            let 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