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Bank Of Africa strengthens support for Moroccan very small, small, and medium-sized enterprises with "Pacte TPME
via Le Matin3 min read
Bank Of Africa has introduced "Pacte TPME, Bank Of Africa & Maroc PME," an integrated offering designed to support Moroccan very small, small, and medium-sized enterprises TPME. This initiative, unveiled at the National TPME Meetings in Casablanca on July 8, 2026, is the result of over two decades of partnership with Maroc PME, the National Agency for the Promotion of Small and Medium-sized Enterprises. The program aims to provide comprehensive support, including financing, expertise, consulting, and networking with an ecosystem of partners, to address growth, competitiveness, and resilience challenges for Moroccan businesses. The "Pacte TPME" aligns with Maroc PME's strategic plan, "Orbit 2030," which shifts the agency's focus from primarily industrial sectors to a territorialized and multi-sectoral approach across Morocco's twelve regions, in collaboration with Regional Investment Centers CRI. The pact is structured around four axes鈥攃ompetitiveness, growth, resilience, and business restructuring鈥攊mplemented through eight operational mechanisms. These include "Pact Scale-Up," which supports high-growth businesses with up to 80% coverage of technical assistance costs, capped at two million dirhams, and "Pact Decarbonation," which covers 80% of support costs, up to one million dirhams, for companies aiming to reduce their carbon footprint and improve energy efficiency. Anouar Alaoui Ismaili, Director General of Maroc PME, emphasized the importance of preserving existing busine
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Nabil Amar, CEO of Cash Plus, will be featured on the program L'Info en Face on Wednesday, July 8, 2026. He will join host Rachid Hallaouy to discuss the question of financial innovation in Morocco and when its "momentum" will arrive. The show will delve into this topic, offering insights from Amar's perspective as a leader in the financial sector.
Karim Amor, from the 13th Region of the General Confederation of Moroccan Enterprises CGEM, emphasizes the importance of integrating Moroccan entrepreneurs living abroad into the country's economic strategy. The 13th Region, known as MeM by CGEM, acts as a bridge between Moroccan talents internationally and the national economic fabric, including CGEM member companies, other CGEM regions, AMDIE, CRIs, Tamwilcom, CCME, research institutions like UM6P, and public institutions. MeM by CGEM works closely with the Ministry of Foreign Affairs' MRE department, both centrally and through consulates worldwide, to organize meetings and initiatives for entrepreneurs. The organization's activities include networking, economic lobbying, mentorship, investment support, and fostering business synergies. Current priorities involve transforming the interest of Moroccans worldwide into concrete projects, guiding project leaders, mobilizing international expertise, strengthening women entrepreneurs through Ladies MeM, supporting startups, and connecting the diaspora to strategic sectors such as industry, innovation, AI, health, digital, renewable energies, and regional development. Amor identifies the main obstacle to increased investment from Moroccans residing abroad not as a lack of desire, but rather the complexity of the investment process. Challenges include identifying the right contacts, understanding available mechanisms, securing projects, finding partners, financing, and remote monit
Driss El Yazami, from the Council of the Moroccan Community Abroad CCME, states that Morocco needs to improve its mobilization of investment and skills from its diaspora. He notes that while remittances from Moroccans abroad reached 122 billion dirhams in 2025, their contribution to national productive investment remains below potential, accounting for less than 10% of national private investment. This suggests a persistent lack of clarity, trust, and suitable instruments, rather than disinterest. El Yazami highlights the evolving expectations of Moroccans worldwide, driven by demographic growth, increased feminization of migration, and the emergence of dual nationals. He emphasizes three key areas for the CCME's mission: addressing the challenge of transmitting Moroccan heritage to younger generations, facilitating integration into host societies, and maximizing the diaspora's contribution to Morocco's development through various means, including investment, entrepreneurship, research, and cultural initiatives. To boost investment, the CCME proposes two main solutions: implementing innovative financial instruments like diaspora bonds, which have proven successful in other countries, and significantly strengthening the connection between Moroccans abroad and Morocco's regions. A memorandum of understanding was signed in October 2023 between the CCME and the Association of Regions of Morocco ARM to enhance the diaspora's contribution to regional development. Regarding administ