Tendances actuelles et perspectives d'évolution du secteur de la microfinance au Maroc

Abdelmalek Bekkaoui and Taha Yahyaoui ()
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Abdelmalek Bekkaoui: Laboratoire Universitaire de Recherche en Instrumentation et Gestion des Organisations - Faculté des sciences juridiques économiques et sociales de Oujda Université Mohammed Premier, Oujda, Maroc
Taha Yahyaoui: LURIGOR - Laboratoire d’Universitaire de Recherche en Instrumentation et Gestion des Organisations - Université Mohammed Premier [Oujda] = Université Mohammed Ier

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Abstract: The microfinance sector in Morocco is at a tipping point, with potential for expansion and obstacles to overcome. Digitalization, new rules, and the need for a sustainable approach are projected to affect the future of this industry while supporting better access to financial services for vulnerable people. Digitalization is one of the primary developments in microfinance. Microfinance institutions (MFIs) are increasingly utilizing digital platforms to simplify access to financial services. This includes mobile applications and web services, allowing clients to handle their accounts more efficiently. This trend tries to target unbanked people and enhance financial inclusion. There is a rising understanding of the importance to integrate sustainable practices into microfinance offerings. This involves fostering social entrepreneurship and assisting small enterprises that have a beneficial influence on society. The legal framework for MFIs has strengthened, with the Moroccan government establishing regulations to control this sector. This aims to preserve customer rights and ensure the sustainability of MFIs. The new legislation may also drive MFIs to manage risks better and improve transparency. There is a trend towards building collaborations between the public and private sectors to help the development of microfinance. These agreements can assist mobilize financial and technical resources, consequently enhancing the range of financial services supplied. To ensure the successful use of microfinance programs, it is necessary to encourage financial education among clients. The creation of new financial products customized to the individual needs of clients, particularly in industries such as agriculture or trade, should continue.

Keywords: bancarisation; Secteur de la microfinance; digitalisation; inclusion financière; réglementation; éducation financière (search for similar items in EconPapers)
Date: 2025-04-17
Note: View the original document on HAL open archive server: https://amu.hal.science/hal-04973077v1
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Published in Thalamus and Related Systems, A paraître

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