ANPME MOUSSANADA PDF

This may cause firms to resort to money lenders that charge high rates, which reduces margins and confines their expansion To encourage banks to lend to small businesses, the Central Guarantee Fund Caisse Centrale de Garantie, CCG announced that it would act as a guarantor for SMEs that are seeking credit from banks. If the firm is unable to repay the debt, the CCG can also step in to assist the business owner in negotiating a payment plan with the bank. Technical limitations and a lack of skilled labour have significantly restricted the sector from realising its full potential. These gaps prompted the Ministry of Industry, Commerce and New Technologies to launch two programmes that aim to provide SMEs with both financial and advisory assistance. By the end of , some businesses, mostly in Casablanca, benefitted from the Moussanada programme. Moussanada focuses primarily on providing tools and guidance for SMEs in developing both strategy and organisation, as well as boosting their capacity for production processes, design, and research and development on an industry-specific level.

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Home News Arabic Frensh. Morocco: Developing SME's as an engine for growth. The access to funding by banks is still limited because of the security required. Following a recent conference in Casablanca, the European Bank for Reconstruction and Development EBRD announced a plan to establish a new lending initiative, via local lenders, to improve access to credit for smaller firms by July. The bank has also announced it plans on providing venture capital to SMEs as a way of boosting financing, while at the same time providing advice, and improving back office functions, according to Oford Busieness Group.

The Ministry of Industry, Commerce and New Technologies launched two programmes which are designed to enable SMEs to obtain financial and advisory assistance. By the end of , businesses, mostly in Casablanca, benefitted from the Moussanada programme, and the ANPME announced in January that it planned to support another enterprises in Moussanada focuses primarily on providing tools and guidance for SMEs in developing both strategy and organisation, as well as boosting their capacity for production processes,design, and research and development on an industry-specific level according to Oxford Business Group OBG.

Banks are still reticent to lend without collateral and in the present economic climate this is unlikely to change in the near future. Yet the government has realised that entrepreneurship is a key element in growing the economy and finding jobs for young people is top priority in a country where youth unemployment in cities aiverages 30 per cent.

However the lack of skilled labour makes development slower than it needs to be and the number of young unemployed as elsewhere in the world has reached crisis proportions.

Prime Minister Abdelilah Benkirane has asked Parliament for more time to tackle the many problems facing Morocco's economy and there are no easy solutions. The source for this article is Oxford Business Group. In the same section.

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MOUSSANADA: ICT Access for SMEs

An investment subsidy is thus granted to selected small and medium-sized companies. Moussanada Program aims at following through seven hundred companies in their endeavors to modernize and improve their productivity, in the framework of progress plans which comprise several follow-through actions. All of these actions purport to help companies boost their performance, optimize their productivity, and access new markets. Functional programs are thus launched to improve productivity and to speed up the use of information technologies within firms, bringing about enhanced competitiveness factors, in terms of reduction in costs, shortening of lead-times, and improvement in the quality delivered. Moulawalati is a program which has been devised and embedded by the Government for the purpose of the establishment of very small businesses. The program aims to contribute to a steady decrease in the unemployment rate via the stimulation of the creation of wealth and job-creating businesses, taking into account the exigencies and specificities of regions.

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Morocco: Developing SME's as an engine for growth.

Home News Arabic Frensh. Morocco: Developing SME's as an engine for growth. The access to funding by banks is still limited because of the security required. Following a recent conference in Casablanca, the European Bank for Reconstruction and Development EBRD announced a plan to establish a new lending initiative, via local lenders, to improve access to credit for smaller firms by July.

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