The National Financial Inclusion Council (CNIF), which met last Wednesday in Rabat, underlined the need to adapt the National Financial Inclusion Strategy (SNIF) in the face of the structural reforms launched recently. The Board therefore issued various recommendations, in particular the continuation of efforts relating to legislative and regulatory reforms relating to the various levers of the strategy. In this sense, the Board recommends accelerating the reform of the legislative and regulatory framework governing the micro-finance sector as well as the Credit Information Bureau and the short-term establishment of the regulatory framework governing crowdfunding.
In addition, at the end of this meeting, the CNIF recommends developing new distribution channels for inclusive insurance, and more particularly microinsurance, given its role in strengthening the protection and economic integration of target populations. In this regard, the Council encourages insurance companies to offer microinsurance offers for the benefit of very small businesses operating in particular in the trade and craft sectors, in cooperation with the departments concerned.
Various other avenues have been put forward to promote financial inclusion. Among these are the continuation of the mobile payment development project, with the objective “of making it a central vector of financial inclusion in the coming years”. To achieve this, it will still be necessary to rely on the support of traders and local agents, the deployment of institutional communication and the strengthening of financial education of the populations concerned. The CNIF also recommends deepening the diagnosis and analysis of the specific needs of actors in the rural world with a view to diversifying the financing offers and products intended for said actors.
With regard to very small businesses, the emphasis should be placed on strengthening the dynamics of the “Intelaka” program, in particular the component relating to support. Finally, in the field of social protection, the council also gave its guidelines for setting up a working group dedicated to supporting the deployment of the said project as well as to the acceleration of the pilot experience relating to the dematerialization of school aid under the “Tayssir” program, with a view to its generalization to other social programs.
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