Regulatory Framework and Financial and Social Performance of Microfinance in Morocco

Cadre juridique et performance financière et sociale de la microfinance au Maroc

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

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Abstract: To overcome financial obstacles and engage in the economy, one must have access to financial services. Many people lack access to standard financial services, particularly in rural or impoverished locations. For those who are not able to use the banking system, microfinance provides access to financial services. It helps women in particular by giving them access to training and credit. It encourages entrepreneurship by providing capital for the establishment and growth of microbusinesses. This is known as "financial inclusion," which calls for equitable and reasonably priced access to financial services for all. Low-income individuals and others excluded from the banking system can get financial services through microfinance. These services include insurance, savings plans, bank accounts, loans, and more. Increasing law, financial innovation, infrastructural access, financial education, and improving microfinance institutions are some of the initiatives aimed at boosting inclusion and microfinance in Morocco. In order to track the development and oversight of microfinance in Morocco from its inception in the 1990s, it is imperative that laws be strengthened. Texts that outline the fundamentals of microfinance, including its goals and relevant standards, govern this legal framework. These books help financial inclusion and economic prosperity by acknowledging microfinance as a valid business. They set strict guidelines to safeguard customers and control operations. In this structure, a number of organizations and regulators are essential. A detailed investigation of microfinance organizations (MFIs), including their size and profiles, is necessary in order to analyze their financial success. Morocco is home to a number of MFIs, each with a unique operational strategy and range of activities. Important criteria like the amount of loans given, the rate of return on investment, profitability, operational effectiveness, and financial soundness must all be evaluated.

Keywords: performances financières/sociales développement local inclusion financière innovations financières indicateurs de performance; performances financières/sociales; développement local; inclusion financière; innovations financières; indicateurs de performance (search for similar items in EconPapers)
Date: 2025-06-30
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