Where is the Intilaaqah program?

Over the past decade, Morocco has launched several projects and reforms to stimulate entrepreneurship, considering it an essential factor for growth, restructuring and development of the productive fabric, innovation and job creation.

Thus, the state made its efforts in the field of consolidating the foundations of a modern and competitive economy, to simplify the creation of businesses, encourage their growth, and promote entrepreneurship, especially through multiplying programs such as Antilaka and Forsa.

The INTELAKA financing program constitutes an opportunity to accelerate the dynamism of entrepreneurship, and it faces some obstacles that limit its spread such as the difficult economic situation.

To overcome this, Oxfam Morocco is developing a list of recommendations for program improvement addressed to the entire ecosystem: project leaders, support structures, but also to public authorities and fund managers.

Therefore Oxfam Morocco recommends better coordination and convergence at all levels between all programs to ensure effectiveness, efficiency and better impact. In his report he lists several reasons for refusal cited by the contractors, some punitive and sometimes unrealistic: past arrears, personal/project couple inconsistency, lack of good project study, false documentation, or the nature of the investment. Request.

Abdeljalil Laroussi, director of advocacy and campaigns within the organization, explains that Oxfam Morocco “regrets the existence of an informal market confirmed by the survey, which was created after the launch of” INTELAKA “and which escapes from all control, offering fraudulent or even fraudulent lease contracts.” “The bank asks for quotations except that for some cooperatives it is difficult to see that they are operating in sectors where there is a lot of informal activity, for example, for a breeding enterprise that requires the purchase of calves. Quotations and if they are obtained then Buying will be more expensive,” testifies a young project leader in agriculture, citing the NGO.

Before launching the project, the entrepreneur needs real support to develop his entrepreneurial and management skills and the necessary tools to properly prepare his financing profile, hence the need to combine financing and support. It is also necessary to democratize access to and expand entrepreneurship support platforms in cities outside the usual location at the level of the “Casablanca-Rabat axis”.

According to the figures quoted by the actors, during the year 2021, the Casablanca-Settat region could have handled the most intilaaqah files with a monthly average of 224 files in 3 main sectors: trade and distribution (26.6), services (16.2%) and agriculture ( 6%).

With regard to female participation, the proportion of women who will receive Intelaka credit will be only 16%, and this rate has not changed between the period from April to November 2021, according to an interview quoted by the international federation, Oxfam, in its report.

According to Heba Al-Khamis, Director of the Economic and Environmental Justice Program at the organization: “Oxfam in Morocco emphasizes in its report the importance of non-financial and post-construction support, which is the challenge facing the new Forsa programme. Before launching the project, the entrepreneur needs real support to develop his or her skills in organizing Projects, management and tools to properly build their financing profile, hence the need to combine financing and support for entrepreneurship.It is also necessary to democratize access to and scale up of entrepreneurship support platforms in cities outside the usual location on the Casablanca-Rabat axis “.

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