[ La microfinance : Une profonde mutation (Cas du Maroc) ]
Volume 25, Issue 2, January 2019, Pages 660–665
Amina Samat1
1 Institut Universitaire de la Recherche Scientifique, Université Mohammed V, Rabat, Morocco
Original language: French
Copyright © 2019 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
The importance of microfinance is well established. Morocco is leader in the MENA region according to Mix Market, CGAP, Sanabel, World Bank reports ... .etc During 2007-2008, a crisis - coinciding with the global economic and financial crisis of 2008 - rocked the sector. What are the causes, the consequences and the measures taken to get out? are the big questions this work is trying to answer. In fact, two hypotheses guided the present work: - The reality of the microcredit sector can be apprehended through the print media. - The decline in time gives a complete vision and reveals the future trend of the sector. Thus, an analysis of a body of 25 articles, from the daily L'Economiste, covering the period from 2009 to 2015 revealed a trend that does not contradict the content of activity reports of microcredit associations. and unveiled a profound change that is shaking up the sector and precipitating the transformation of microcredit associations into microfinance institutions. The situation of the sector is not transcribed in time, the evolution concerns a more or less long period. In addition, the newspaper respects its editorial line: disseminate economic information, so the study of occurrences shows that the social side is very marginalized.
Author Keywords: microfinance, microcredits, press corpora, representation, crisis.
Volume 25, Issue 2, January 2019, Pages 660–665
Amina Samat1
1 Institut Universitaire de la Recherche Scientifique, Université Mohammed V, Rabat, Morocco
Original language: French
Copyright © 2019 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Abstract
The importance of microfinance is well established. Morocco is leader in the MENA region according to Mix Market, CGAP, Sanabel, World Bank reports ... .etc During 2007-2008, a crisis - coinciding with the global economic and financial crisis of 2008 - rocked the sector. What are the causes, the consequences and the measures taken to get out? are the big questions this work is trying to answer. In fact, two hypotheses guided the present work: - The reality of the microcredit sector can be apprehended through the print media. - The decline in time gives a complete vision and reveals the future trend of the sector. Thus, an analysis of a body of 25 articles, from the daily L'Economiste, covering the period from 2009 to 2015 revealed a trend that does not contradict the content of activity reports of microcredit associations. and unveiled a profound change that is shaking up the sector and precipitating the transformation of microcredit associations into microfinance institutions. The situation of the sector is not transcribed in time, the evolution concerns a more or less long period. In addition, the newspaper respects its editorial line: disseminate economic information, so the study of occurrences shows that the social side is very marginalized.
Author Keywords: microfinance, microcredits, press corpora, representation, crisis.
Abstract: (french)
L’importance de la microfinance n’est plus à démontrer. Le Maroc est leader dans la région MENA selon le Mix Market, le CGAP, Sanabel, les rapports de la Banque Mondiale….etc Durant l’année 2007-2008, une crise - en concomitance avec la crise mondiale économique et financière de 2008 – a secoué fortement le secteur. Quelles sont les causes, les conséquences et les mesures prises pour en sortir ? sont les grandes questions auxquelles ce travail essaie de répondre. En fait, deux hypothèses, ont guidé le présent travail : La réalité du secteur de microcrédit peut être appréhendée à travers la presse écrite. Le recul dans le temps donne une vision complète et dévoile la tendance future du secteur. C’est ainsi qu’une analyse d’un corpus de 25 articles, du quotidien l’Economiste, portant sur la période allant de 2009 à 2015 a révélé une tendance qui ne contredise point le contenu des rapports d’activité des associations de microcrédit et a dévoilé une mutation profonde qui agite le secteur et précipite la transformation des associations de microcrédit vers des institutions de microfinance. La situation du secteur n’est pas transcrite dans le temps, l’évolution porte sur une période plus ou moins longue. De plus, le quotidien respecte sa ligne éditoriale : diffuser l’information économique, c’est pourquoi l’étude des occurrences montre que le côté social est très marginalisé.
Author Keywords: microfinance, microcrédits, corpus de presse, représentation, crise.
How to Cite this Article
Amina Samat, “Microfinance : A profound change (Morocco case),” International Journal of Innovation and Applied Studies, vol. 25, no. 2, pp. 660–665, January 2019.
