Itraud always to my mind this fundamental question when talking about microcredit: Do you really good
microcredit for the poor?In other words, you can microloans for small to help the poor out of a poverty, and to secure the basic daily needs? This question leads us into a spiral of other questions, what is poverty? Who are the poor? And on what basis can distinguish between the poor?

We find that in most cases, using income as a basis for discrimination among the poor, we say, for example, the poor, income non-existent or non-existent similarities, the poor, with low-income, and so on ...
Let's go back to the question we started with our article, and try to answer it. During the field research I did last year (2009) - unpublished at present - about microcredit in Morocco concluded that more than 60 per cent of the poor / respondents, their status improved and socio - economic benefit from the loan after the small, and further concluded that the loans can be small rural areas to contribute to the alleviation of rural migration, and thereby reduce poverty in reaching out to the residence of urban areas.
It is known that the poor, save in some way (jewelry, precious metals ...) in case of any emergencies that might come into contact with in the future life, but there are a broad class of poor - almost non-existent or no-income - does not have any savings, the group living on less than one dollar a day, so I think that the current microcredit on its own terms - high interest, the small size of the loan .. - Not in favor of this category of the poor, but will further aggravate the crisis and their status and socio - economic crisis to begin with.
In summary, the microcredit good for the poor who need only "a small boost to stand on their feet" for their projects nanotechnologies.

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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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