The role of microcredit in poverty alleviation: Sample Morocco

microcredit in Morocco

Remainder of microcredit as an effective tool for economic and social development, one of the mechanisms working and modern mechanisms to reduce poverty in its various Tmzarath and manifestations. Has proven global experience of microfinance in many countries of the developing world (Bangladesh, Brazil ...) they are important engines of human development and the fight against poverty, and gender empowerment; especially women, the weakest link in society from self-employment and achieve economic Astqlalithn, and their contribution within the their family to provide food, clothing, and ensure the education of children with continuity and thus achieve their integration within the community.

In a study carried out by the Foundation, "Planet Finance" Planet Finance Morocco in 2005 at the request of the National Federation of Microcredit with a view to assessing the effects of micro-credit to beneficiaries, and the study concluded that these loans had a significant impact in improving the conditions of beneficiaries and improve their incomes, the study included a sample of 1287 per capita, the majority of customers recognized the occurrence of positive change on the level of nutrition within the family (62%), the promotion of independence (36%) and calming (57%).
Loans as a new small to fight the phenomenon of poverty depend on the proximity of the poor, especially in rural areas, which is in dire need for this type of financial services, as it relates to the preparation of structures and infrastructure (connectivity of drinking water, electricity, housing, ...) that been deprived for decades, due to Ana and marginalization, which still suffers from it by the public authorities at the expense of the development of urban centers, small loans have done so - if we want to say - re-sort of balance and aims to correct the imbalances and inequalities, that exist between rural areas and urban areas, thereby reducing the phenomenon of rural migration, and rural development and rural areas and contribute to human development in general, through the empowerment of the poor from access to financial services.
By Rachid AJMAL


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