"AMSED" (Moroccan Association for Solidarity and Development)
 that initiated the activity of microcredit in Morocco 1993.
Elle she has inherited its philosophy and its expertise in the field of microfinance.
"AMSED" is non-profit organization,and its main objective is
Helping the poor out of poverty through microfinance through to small business.

"AMSED" partners are both governmental and non-governmental like international organizations such as World Bank, UNICEF,ILO,..,bilateral aid organizations "USAID" and many national NGOs.

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Microfinance programs have created new opportunities in contexts as diverse as villages along the Amazon, inner-city
Los Angeles, and war ravaged Bosnia. Programs are well-established in Bolivia, Bangladesh,and Indonesia, and momentum is gaining in Mexico, China, and India.

The microfinance movement is thus populated by diverse institutions, some large and many small, some urban and some rural, some more focused on social change and others more focused on financial development. If the programs that are focusing on social change are cost-effectively achieving their goals, should we be concerned that part of their operation is subsidized? Should we be concerned that, to achieve financial success, Compartamos has had to charge very high
interest rates.

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The Moroccan institutions to support microenterprise "INMAA", is an association of microcredit governed by the law which regulates the area of microfiance in Morocco.
"INMAA" has been created within "AMSED" (Moroccan Association for Solidarity and Development) that initiated the activity of microcredit in Morocco 1993.Elle she has inherited its philosophy and its expertise in the field of microfinance.

"INMAA" was established in September 1999, Customer "Inmaa" has 10 000 active clients.
"INMAA" is of the Group engaged in the regional networks and international organizations concerned to microfinance and microcredit, including: Arabic Network for Microfinance "SANABEL" Carnegie exchange market information "MIX" and "AGFUND" and other institutions ...
"INMAA" shows that the individual loans, loans for housing in a steady rise, compared with loans of solidarity,And finally launched microinsurance products.

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PlaNet Finance is an international non profit organization whose mission is to fight against poverty through the development of microfinance to improve access to financial services for the poor who are excluded.
Since its inception in 1998, PlaNet Finance has developed a group of organizations (PlaNet Finance Group) offering a diverse range of services. These entities are composed of dedicated and specialized team with more than 1 000 professionals.
Based in Paris, PlaNet Finance's international network and are active in nearly 80 countries.

PlaNet Finance Morocco is a Moroccan non-profit organization founded in 2002, which has its management structures and its Board of Directors, whose enrollment to date is 17 people.
PlaNet Finance Morocco is affiliated to PlaNet Finance Network World.
PlaNet Finance Morocco is as a facilitator for the microfinance sector in Morocco. It offers its services to microcredit associations, public authorities and donors.
PlaNet Finance Morocco has completed its action plan and has achieved since its inception in June 2002, the development of practical and useful tools to develop and operate by the AMC themselves. She continues to support the CMA in Morocco from two levels of intervention:

Objectives at the sectoral level:

• Maintain and develop the tools already in place: the portal, mapping, Central Risk
• Continue training of direct and indirect stakeholders in the sector: PFM is a training center, information, research and technical support
• Provide funding: MAC help in accessing funding through the establishment of fund financing
• Expand the supply of services of AMC: extending the offer beyond microcredit

Objectives at the individual level:

• Supporting new entrants: Microcred,
• Target new populations: awareness of women, rural people, young people in precarious situation
• Strengthen the smaller AMC level institutional
• Propose specific expertise to the largest AMC, public authorities or other .

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The Moroccan Microfinance industry is important and becoming increasingly sophisticated; nevertheless, the demand for financial and non-financial services is far from being entirely met. Leading actors seek new solutions and technologies to: cut their costs, improve the quality of their services, and be more competitive.

• With 1.24 million clients, the microfinance sector in Morocco is the most developed one in the MENA region. Leading Moroccan microcredit institutions are ranked among the top 20 biggest microfinance institutions in the world. Nevertheless, the microfinance sector has a great growth potential in this region: currently, only 25% of the demand is met.

• The Moroccan microfinance industry is at a turning point: several leading microcredit institutions are considering their conversion into regulated financial institutions.

• Moroccan microcredit institutions and banks are profitable and well-structured, as well as interested in adopting new solutions and processes so as to be more competitive. Innovative technology is a key factor in their strategy for service-differentiation.

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Source: http://www.mfntsummit2010.com/site/ang/microfinance_in_morocco.php
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Zakoura fondation (Microcredit) the second most important microcredit association in Morocco, It was created in 1995 from a Initiave Moroccan. It operates in urban, peri-urban and rural. This through a fifty performances, it employs 400 employees. The foundation lends mainly to the female population disadvantaged on the basis of a progressive social credit.
Zakoura Foundation was used to end in December 2008, 354 172 active clients, of which 67% are women.
Its funding sources are 70% formed grants and local donations. Thus the public funds dedicated to Hassan II economic and social development (funded by revenue from
privatization) is the main provider of funds with an amount of 3.5 million euros. The balance is covered by a great debt Concessional Moroccan banks. Furthermore, Zakoura has
forged productive links with many international funds (UNDP with the Micro Start program, the European Union, the USAID).
Zakoura microcredit is member in many network like FNAM, SANABEL, SAVE THE CHILDREN,and THE MIX MARKET.
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