"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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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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The Banque Populaire Foundation for Micro Credit (FBPMC) was established September 6, 1999.
It is an association nonprofit governed by the Dahir of 15 November 1958 (regulating the right of association) and Law 18/97 on the performance of the activity of microcredit. It is an answer citizen of Groupe Banque Populaire, which aims to effectively contribute, alongside the state and other nongovernmental organizations (NGOs), national effort to fight against poverty and unemployment and to promote employment.

On 1st March 2000, the FBPMC received approval from the Ministry of Economy and Finance to conduct the activity of microcredit. Its object is essentially:

* Distributing microcredits to enable the economically
low to create or develop their own productive activity or service,
to ensure their integration into the economy overall.
* Carry the benefit of its customers, all associated operations relating to the granting microcredits, including training, consulting and technical assistance.

The approach combines the proximity Foundation, funding, coaching, training and monitoring of micro-entrepreneur.
The network of Banque Populaire Fondataion For MicroCredit currently consists of
219branches and distributed antennas travers12 regional supervision.

The establishment of new branches has been accompanied by the recruitment of new officers.
The actual network has reached 833 officers, while the effective seat was 116 components, a comprehensive emotional 949 (44% men and 56% women).

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The 2nd Microfinance and New Technologies Summit (MFNT) is a key event for decision-makers in the technology and microfinance fields. After the inaugural event held in India in 2008.In this context, PlaNet Finance is co-organising with the Banque Populaire Group and Sogeti the 2nd international conference “Microfinance and New Technologies”, taking place on March 11th & 12th 2010 at the Royal Mirage Hotel in Marrakech .

Morocco was chosen to host the 2nd international conference “Microfinance and new technology” because of its particularly large and well-developed microfinance sector. Today, the principal players in the sector are at a point where they are actively looking for technological solutions which will allow them to further improve their efficiency and competitiveness.

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The identification of the concept of poverty is not easy, arises where a great deal of controversy and disagreement about the appropriate definition of poverty, some researchers poverty is defined according to income or rather due to the lack of income, and other researchers emphasize that poverty should be measured by the inability of the individual to obtain the necessary social requirements, and accepted that poverty, can not be reduced only in the deprivation of financial resources that this concept be expanded to include other forms of human deprivation concept of poverty is defined from the perspective of social exclusion.

Has become a poverty problem in our country today is structurally stable and elusive and multifaceted, is the weakness of job opportunities available in the case of marginalization that are attacking large groups of society, which would be spared to take advantage of infrastructure and social services available to the rare and deprive them from participating in decision-making.
The failures associated with poverty, political, economic and social failure of many development schemes, defined by Morocco since independence, particularly on the program and the accompanying structural adjustment measures, have resulted in cases of austerity, unemployment and inflation and a wage freeze and tax pressure and the decline in purchasing power and extremely difficult to access social services, and an imbalance in the the distribution of income. Which led to the impoverishment of the poor and more wealth and prosperity for the majority of the rich few lucky ones.
In terms of figures about the number of poor people today in our country of 5 million people, according to the results of recent research on the standard of living of households, 4 million Moroccans live below the relative poverty threshold (an annual expenditure of less than 3235 DH in urban areas and 2989 DH in rural areas and so on) live 3 million of the total poor in the villages and one million in cities and about 25% of the Moroccan economic weakness large (annual expenditure is less than 4500 DH).
Thus, poverty is, in depth, a rural phenomenon, and this is confirmed by research and the first map of poverty carried out by the High Planning Commission and the World Bank recently.
On the other hand, poverty affects mainly women and young people and children.