{"id":13183,"date":"2026-08-26T14:15:01","date_gmt":"2026-08-26T14:15:01","guid":{"rendered":"https:\/\/techhub.ireti.cloud\/?post_type=docs&#038;p=13183"},"modified":"2026-10-09T20:47:48","modified_gmt":"2026-10-09T20:47:48","slug":"comment-creer-un-produit-depargne","status":"publish","type":"docs","link":"https:\/\/techhub.ireti.cloud\/fr\/docs\/phenix\/produit-de-banque\/produits-depargne\/comment-creer-un-produit-depargne\/","title":{"rendered":"Comment cr\u00e9er un produit d&rsquo;\u00e9pargne ?"},"content":{"rendered":"\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">Les produits d&rsquo;\u00e9pargne d\u00e9finissent les r\u00e8gles, param\u00e8tres par d\u00e9faut et contraintes pour :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Les comptes courants\/ch\u00e8ques<\/strong><\/li>\n\n\n\n<li><strong>Les comptes d&rsquo;\u00e9pargne (livrets)<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Un produit d&rsquo;\u00e9pargne sert de mod\u00e8le pour les multiples comptes d\u00e9tenus (ou \u00e0 cr\u00e9er) par :<br>\u2713 Les clients individuels<br>\u2713 Les groupes<br>\u2713 Les agences<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Pour cr\u00e9er un produit d&rsquo;\u00e9pargne il faut cliquer sur le menu <strong>Administrateur<\/strong> &gt;&gt; <strong>Des produits<\/strong> &gt;&gt; <strong>Produit d&rsquo;\u00e9pargne<\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Informations Requises<\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>D\u00e9tails<\/strong><\/li>\n\n\n\n<li><strong>D\u00e9vises<\/strong><\/li>\n\n\n\n<li><strong>Termes<\/strong>(<strong>Conditions<\/strong>)<\/li>\n\n\n\n<li><strong>Param\u00e8tres<\/strong><\/li>\n\n\n\n<li><strong>Charges<\/strong>(<strong>Frais<\/strong>)<\/li>\n\n\n\n<li><strong>Comptabilit\u00e9<\/strong><\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-8ffcb662 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"125\" height=\"300\" data-src=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134241-125x300.png\" alt=\"\" class=\"wp-image-3862 lazyload\" data-srcset=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134241-125x300.png 125w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134241.png 184w\" data-sizes=\"(max-width: 125px) 100vw, 125px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 125px; --smush-placeholder-aspect-ratio: 125\/300;\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-thumbnail\"><img decoding=\"async\" width=\"150\" height=\"150\" data-src=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2024\/08\/images-4-150x150.png\" alt=\"\" class=\"wp-image-3794 lazyload\" data-srcset=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2024\/08\/images-4-150x150.png 150w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2024\/08\/images-4.png 225w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"125\" data-src=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-160145-300x125.png\" alt=\"\" class=\"wp-image-3924 lazyload\" data-srcset=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-160145-300x125.png 300w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-160145-1024x427.png 1024w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-160145-768x320.png 768w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-160145.png 1528w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/125;\" \/><\/figure>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s avoir cliqu\u00e9 sur&nbsp;<strong>\u00ab\u00a0Produits d&rsquo;\u00c9pargne\u00a0\u00bb<\/strong>, cliquez sur le bouton bleu&nbsp;<strong>\u00ab\u00a0Cr\u00e9er un Produit d&rsquo;\u00c9pargne\u00a0\u00bb<\/strong>&nbsp;situ\u00e9 en haut \u00e0 droite de la liste.<\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"98\" data-src=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-160710-300x98.png\" alt=\"\" class=\"wp-image-3926 lazyload\" data-srcset=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-160710-300x98.png 300w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-160710-1024x334.png 1024w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-160710-768x250.png 768w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-160710.png 1526w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/98;\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cr\u00e9er un produit d&rsquo;\u00e9pargne<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>D\u00e9tails<\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"96\" data-src=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-161956-300x96.png\" alt=\"\" class=\"wp-image-3928 lazyload\" data-srcset=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-161956-300x96.png 300w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-161956-1024x328.png 1024w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-161956-768x246.png 768w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-161956.png 1526w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/96;\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Les informations ci-dessous sont mises \u00e0 jour en fonction des num\u00e9ros de champs indiqu\u00e9s :<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Nom du produit d&rsquo;\u00e9pargne<\/strong>*<br><em>(Champ obligatoire)<\/em><\/li>\n\n\n\n<li><strong>Nom abr\u00e9g\u00e9<\/strong>* (nom court)<br><em>(Champ obligatoire)<\/em><\/li>\n\n\n\n<li><strong>Description du produit<\/strong><br><em>(Champ facultatif)<\/em><\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\">Devise<\/h4>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"91\" data-src=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-162509-300x91.png\" alt=\"\" class=\"wp-image-3930 lazyload\" data-srcset=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-162509-300x91.png 300w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-162509-1024x311.png 1024w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-162509-768x234.png 768w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-162509.png 1536w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/91;\" \/><\/figure>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>S\u00e9lectionnez la devise<\/strong>*<br><em>(Pr\u00e9requis : La devise doit \u00eatre configur\u00e9e au pr\u00e9alable dans&nbsp;<strong>Configuration des Devises<\/strong>)<\/em><\/li>\n\n\n\n<li><strong>Nombre de d\u00e9cimales<\/strong>*<br><em>(Exemple : 2 pour les euros \u2192 100,50 \u20ac)<\/em><\/li>\n\n\n\n<li><strong>D\u00e9finir le versement d&rsquo;\u00e9pargne en multiples de<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Case \u00e0 cochet: Cochez pour pouvoir afficher multiple de la devise<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4. <strong>Multiple de la devise<\/strong>*<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Permet d&rsquo;arrondir les montants totaux<\/li>\n\n\n\n<li><em>Exemple<\/em>&nbsp;: Si&nbsp;<strong>10<\/strong>, un montant de 1234 sera arrondi \u00e0 1230<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Termes<\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"109\" data-src=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-162820-300x109.png\" alt=\"\" class=\"wp-image-3932 lazyload\" data-srcset=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-162820-300x109.png 300w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-162820-1024x370.png 1024w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-162820-768x278.png 768w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-162820.png 1529w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/109;\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Configuration des Int\u00e9r\u00eats d&rsquo;\u00c9pargne<\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Taux d&rsquo;int\u00e9r\u00eat nominal annuel<\/strong>*\n<ul class=\"wp-block-list\">\n<li><em>(Champ obligatoire &#8211; Ex: 3.5% pour un livret A)<\/em><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>P\u00e9riode de capitalisation des int\u00e9r\u00eats<\/strong><br><em>(Pour plus d&rsquo;infos: Calcul et Comptabilisation des Int\u00e9r\u00eats d&rsquo;\u00c9pargne)<\/em>\n<ul class=\"wp-block-list\">\n<li>Quotidienne<\/li>\n\n\n\n<li>Mensuelle<\/li>\n\n\n\n<li>Trimestrielle<\/li>\n\n\n\n<li>Semestrielle<\/li>\n\n\n\n<li>Annuelle<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>P\u00e9riode de comptabilisation des int\u00e9r\u00eats<\/strong><br><em>(Les int\u00e9r\u00eats sont cr\u00e9dit\u00e9s selon cette fr\u00e9quence)<\/em>\n<ul class=\"wp-block-list\">\n<li>Mensuelle<\/li>\n\n\n\n<li>Trimestrielle<\/li>\n\n\n\n<li>Semestrielle<\/li>\n\n\n\n<li>Annuelle<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>M\u00e9thode de calcul des int\u00e9r\u00eats<\/strong><br><em>(Pour plus d&rsquo;infos: Calcul et Comptabilisation des Int\u00e9r\u00eats d&rsquo;\u00c9pargne)<\/em>\n<ul class=\"wp-block-list\">\n<li>Solde quotidien<\/li>\n\n\n\n<li>Solde moyen quotidien<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Jours dans l&rsquo;ann\u00e9e<\/strong><br><em>(Selon les pratiques financi\u00e8res)<\/em>\n<ul class=\"wp-block-list\">\n<li>365 jours (ann\u00e9e civile)<\/li>\n\n\n\n<li>360 jours (ann\u00e9e bancaire)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h5 class=\"wp-block-heading\">Param\u00e8tres<\/h5>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"172\" data-src=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-164133-300x172.png\" alt=\"\" class=\"wp-image-3934 lazyload\" data-srcset=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-164133-300x172.png 300w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-164133-1024x588.png 1024w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-164133-768x441.png 768w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-164133.png 1535w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/172;\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Note: <strong>Param\u00e8tres Optionnels<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Dormance des comptes<\/strong><br>\u2611 Active la gestion des comptes inactifs<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Solde minimum d&rsquo;ouverture<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9finit le d\u00e9p\u00f4t initial requis lors de la cr\u00e9ation du compte<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant est d\u00e9pos\u00e9 lors de l&rsquo;activation du compte<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>P\u00e9riode de blocage<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dur\u00e9e pendant laquelle aucun retrait n&rsquo;est autoris\u00e9<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fr\u00e9quence \u00e0 s\u00e9lectionner :<br>\u2713 Jours<br>\u2713 Semaines<br>\u2713 Mois<br>\u2713 Ann\u00e9es<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Frais de retrait<\/strong><br>\u2611 Cochez pour activer les frais sur transferts<br><em>Configuration des frais : Voir section \u00ab\u00a0Frais\u00a0\u00bb<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Seuil de calcul des int\u00e9r\u00eats<\/strong> (<strong>Solde requis pour le calcul des int\u00e9r\u00eats<\/strong>)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si le solde est inf\u00e9rieur \u00e0 ce montant, aucun int\u00e9r\u00eat n&rsquo;est g\u00e9n\u00e9r\u00e9<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Solde minimum obligatoire<\/strong> (<strong>Appliquer le solde minimum<\/strong>)<br>\u2611 Active l&rsquo;obligation de maintien d&rsquo;un solde minimum<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tout retrait ramenant le solde en-dessous de ce montant est bloqu\u00e9<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Autorisation de d\u00e9couvert<\/strong> (<strong>Le d\u00e9couvert est-il autoris\u00e9<\/strong>)<br>\u2611 Permet aux comptes bas\u00e9s sur ce produit d&rsquo;avoir un d\u00e9couvert<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"29\" data-src=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-164718-300x29.png\" alt=\"\" class=\"wp-image-3936 lazyload\" data-srcset=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-164718-300x29.png 300w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-164718-1024x100.png 1024w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-164718-768x75.png 768w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-164718.png 1105w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/29;\" \/><\/figure>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Activation du suivi de dormance<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u2611 Cochez cette case pour activer le suivi des comptes d&rsquo;\u00e9pargne inactifs<\/li>\n\n\n\n<li>Un traitement automatis\u00e9 \u00ab\u00a0Mise \u00e0 jour des comptes dormants\u00a0\u00bb doit \u00eatre planifi\u00e9 pour ex\u00e9cuter les actions ci-dessous<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Nombre de jours pour le statut \u00ab\u00a0Inactif\u00a0\u00bb<\/strong> (<strong>Nombre de jours avant le sous-statut inactif<\/strong>)\n<ul class=\"wp-block-list\">\n<li>Nombre cons\u00e9cutif de jours d&rsquo;inactivit\u00e9 avant marquage comme inactif<\/li>\n\n\n\n<li>Exemple : 10 jours\n<ul class=\"wp-block-list\">\n<li>11\u00e8me jour (apr\u00e8s ex\u00e9cution du traitement) \u2192 compte marqu\u00e9 \u00ab\u00a0Inactif\u00a0\u00bb<\/li>\n\n\n\n<li>Le compte reste ouvert<\/li>\n\n\n\n<li>R\u00e9activation possible par d\u00e9p\u00f4t ou retrait<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Nombre de jours pour le statut \u00ab\u00a0Dormant\u00a0\u00bb<\/strong> (<strong>Nombre de jours avant le sous-statut de dormance<\/strong>)\n<ul class=\"wp-block-list\">\n<li>Nombre cons\u00e9cutif de jours d&rsquo;inactivit\u00e9 apr\u00e8s le statut inactif<\/li>\n\n\n\n<li>Exemple : 15 jours (25 jours au total)\n<ul class=\"wp-block-list\">\n<li>16\u00e8me jour \u2192 compte marqu\u00e9 \u00ab\u00a0Dormant\u00a0\u00bb<\/li>\n\n\n\n<li>Le compte reste ouvert<\/li>\n\n\n\n<li>R\u00e9activation possible par d\u00e9p\u00f4t ou retrait<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Nombre de jours pour \u00ab\u00a0D\u00e9sh\u00e9rence\u00a0\u00bb<\/strong>\n<ul class=\"wp-block-list\">\n<li>Nombre cons\u00e9cutif de jours d&rsquo;inactivit\u00e9 apr\u00e8s le statut dormant<\/li>\n\n\n\n<li>Exemple : 20 jours (45 jours au total)\n<ul class=\"wp-block-list\">\n<li>21\u00e8me jour \u2192 compte marqu\u00e9 \u00ab\u00a0D\u00e9sh\u00e9rence\u00a0\u00bb<\/li>\n\n\n\n<li>Le compte est automatiquement cl\u00f4tur\u00e9<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Charges<\/strong><\/h5>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"76\" data-src=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-165815-300x76.png\" alt=\"\" class=\"wp-image-3938 lazyload\" data-srcset=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-165815-300x76.png 300w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-165815-1024x259.png 1024w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-165815-768x194.png 768w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-165815.png 1532w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/76;\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h6 class=\"wp-block-heading\">Utilisation de la fonction \u00ab\u00a0Ajouter des frais\u00a0\u00bb<\/h6>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pr\u00e9requis :<\/strong><br>Pour utiliser l&rsquo;option&nbsp;<em>Ajouter des frais<\/em>, vous devez avoir&nbsp;<strong>pr\u00e9alablement d\u00e9fini<\/strong>&nbsp;ces frais dans la section&nbsp;<em>Frais<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u27a1&nbsp;<strong>En savoir plus :<\/strong><br>Consultez la documentation :&nbsp;<a href=\"https:\/\/techhub.ireti.cloud\/fr\/docs\/phenix\/configurations\/charges\/comment-creer-une-charge\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gestion des Frais<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comptabilit\u00e9<\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"81\" data-src=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-170430-300x81.png\" alt=\"\" class=\"wp-image-3940 lazyload\" data-srcset=\"https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-170430-300x81.png 300w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-170430-1024x276.png 1024w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-170430-768x207.png 768w, https:\/\/techhub.ireti.cloud\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-25-170430.png 1523w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/81;\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">M\u00e9thode de comptabilisation des int\u00e9r\u00eats<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Aucun<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Aucune comptabilisation automatique des int\u00e9r\u00eats n&rsquo;est effectu\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 utiliser lorsque :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le produit ne g\u00e9n\u00e8re pas d&rsquo;int\u00e9r\u00eats.<\/li>\n\n\n\n<li>Les int\u00e9r\u00eats sont g\u00e9r\u00e9s manuellement.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">Esp\u00e8ces<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les int\u00e9r\u00eats sont comptabilis\u00e9s uniquement lorsqu&rsquo;ils sont effectivement vers\u00e9s ou per\u00e7us.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Actifs<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sauvegarde de la r\u00e9f\u00e9rence<\/li>\n\n\n\n<li>Portefeuille de d\u00e9couvert<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">Passifs<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sauvegarde du contr\u00f4le<\/li>\n\n\n\n<li>Les transferts d&rsquo;\u00e9pargne en suspens<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">D\u00e9penses<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Int\u00e9r\u00eats sur l&rsquo;\u00e9pargne<\/li>\n\n\n\n<li>Radier<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">Revenus<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Revenus d&rsquo;honoraires<\/li>\n\n\n\n<li>Revenus des p\u00e9nalit\u00e9s<\/li>\n\n\n\n<li>Revenus d&rsquo;int\u00e9r\u00eats de d\u00e9couvert<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">Accumulation (p\u00e9riodique)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les int\u00e9r\u00eats sont comptabilis\u00e9s p\u00e9riodiquement avant leur paiement effectif.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette m\u00e9thode applique le principe de comptabilit\u00e9 d&rsquo;engagement en enregistrant les montants dus ou \u00e0 recevoir \u00e0 mesure qu&rsquo;ils sont g\u00e9n\u00e9r\u00e9s.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Actifs<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sauvegarde de la r\u00e9f\u00e9rence<\/li>\n\n\n\n<li>Portefeuille de d\u00e9couvert<\/li>\n\n\n\n<li>Honoraires \u00e0 recevoir<\/li>\n\n\n\n<li>P\u00e9nalit\u00e9s \u00e0 recevoir<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">Passifs<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sauvegarde du contr\u00f4le<\/li>\n\n\n\n<li>Les transferts d&rsquo;\u00e9pargne en suspens<\/li>\n\n\n\n<li>Int\u00e9r\u00eats payables<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">D\u00e9penses<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Int\u00e9r\u00eats sur l&rsquo;\u00e9pargne<\/li>\n\n\n\n<li>Radier<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">Revenus<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Revenus d&rsquo;honoraires<\/li>\n\n\n\n<li>Revenus des p\u00e9nalit\u00e9s<\/li>\n\n\n\n<li>Revenus d&rsquo;int\u00e9r\u00eats de d\u00e9couvert<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Description des comptes comptables<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Sauvegarde de la r\u00e9f\u00e9rence<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Compte d&rsquo;actif principal utilis\u00e9 pour enregistrer les op\u00e9rations li\u00e9es au produit d&rsquo;\u00e9pargne.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Portefeuille de d\u00e9couvert<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Compte utilis\u00e9 pour enregistrer les montants accord\u00e9s en d\u00e9couvert aux clients.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Honoraires \u00e0 recevoir<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Compte d&rsquo;actif permettant d&rsquo;enregistrer les frais acquis mais non encore encaiss\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Disponible uniquement en mode <strong>Accumulation (p\u00e9riodique)<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">P\u00e9nalit\u00e9s \u00e0 recevoir<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Compte utilis\u00e9 pour enregistrer les p\u00e9nalit\u00e9s calcul\u00e9es mais non encore per\u00e7ues.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Disponible uniquement en mode <strong>Accumulation (p\u00e9riodique)<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Sauvegarde du contr\u00f4le<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Compte de passif repr\u00e9sentant les d\u00e9p\u00f4ts d\u00e9tenus pour le compte des clients.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Les transferts d&rsquo;\u00e9pargne en suspens<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Compte temporaire utilis\u00e9 pour enregistrer les op\u00e9rations de transfert en attente de finalisation.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Int\u00e9r\u00eats payables<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Compte de passif permettant de comptabiliser les int\u00e9r\u00eats dus aux clients mais non encore vers\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Disponible uniquement en mode <strong>Accumulation (p\u00e9riodique)<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Int\u00e9r\u00eats sur l&rsquo;\u00e9pargne<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Compte de charge utilis\u00e9 pour enregistrer les int\u00e9r\u00eats vers\u00e9s aux titulaires des comptes.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Radier<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Compte de charge utilis\u00e9 lors de la radiation de montants irr\u00e9couvrables.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Revenus d&rsquo;honoraires<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Compte de produit destin\u00e9 \u00e0 enregistrer les frais factur\u00e9s aux clients.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Revenus des p\u00e9nalit\u00e9s<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Compte utilis\u00e9 pour enregistrer les p\u00e9nalit\u00e9s per\u00e7ues aupr\u00e8s des clients.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Revenus d&rsquo;int\u00e9r\u00eats de d\u00e9couvert<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Compte de produit utilis\u00e9 pour enregistrer les int\u00e9r\u00eats g\u00e9n\u00e9r\u00e9s par les d\u00e9couverts accord\u00e9s.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">R\u00e8gles comptables avanc\u00e9es<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Activation des r\u00e8gles comptables avanc\u00e9es<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u2611 Cochez cette case pour activer des sch\u00e9mas comptables personnalis\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette fonctionnalit\u00e9 permet :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2713 Une comptabilisation plus d\u00e9taill\u00e9e<br>\u2713 L&rsquo;utilisation de r\u00e8gles sp\u00e9cifiques selon les transactions<br>\u2713 Une meilleure adaptation aux exigences r\u00e9glementaires et comptables de l&rsquo;institution<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Remarque :<\/strong> Les comptes marqu\u00e9s d&rsquo;un ast\u00e9risque (*) sont obligatoires pour la validation du produit d&rsquo;\u00e9pargne.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Les produits d&rsquo;\u00e9pargne d\u00e9finissent les r\u00e8gles, param\u00e8tres par d\u00e9faut et contraintes pour : Un produit d&rsquo;\u00e9pargne sert de mod\u00e8le pour les multiples comptes [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":13182,"menu_order":1,"template":"","doc_tag":[],"doc_badge":[],"class_list":["post-13183","docs","type-docs","status-publish","hentry"],"author_avatar":"https:\/\/secure.gravatar.com\/avatar\/64f479f88d3d63cb485afccefb55eec1f6c98d9a1cb6e792f334cee854bcdb23?s=96&d=mm&r=g","author_name":"Annick N'dri","_links":{"self":[{"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/docs\/13183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/docs"}],"about":[{"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/types\/docs"}],"author":[{"embeddable":true,"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/users\/2"}],"version-history":[{"count":0,"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/docs\/13183\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/docs\/13182"}],"wp:attachment":[{"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/media?parent=13183"}],"wp:term":[{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/doc_tag?post=13183"},{"taxonomy":"doc_badge","embeddable":true,"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/doc_badge?post=13183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}