Remittances from Moroccans abroad: tougher rules in Europe pose a challenge for Morocco's ecosystem

Remittances from MRE: Rabat Is Following the Matter Closely, but the Real Issue Remains How the Money Is Used

Bank Al-Maghrib says it is following this matter closely with European authorities, particularly French ones. For MRE who send money home, the subject is far from trivial, as the rules governing these flows are being debated on both sides.

On the Moroccan side, the institution recalls that the Kingdom has undertaken several reforms to make money transfers more efficient, more transparent and less costly. The financial ecosystem has expanded, but significant gaps persist between rural and urban areas, between men and women, and between young people and adults.

The question of what these funds are used for also features in the debate. According to the latest survey by the HCP, cited by Abderrahim Bouazza, 87% of MRE funds are allocated to households' everyday consumption. In other words, the great majority of these transfers first serve to support the families left behind in the country.

For the official quoted, the complexity of administrative procedures, the business environment and the lack of incentives still hinder the mobilisation of these funds towards entrepreneurship, particularly in rural areas. Morocco now hopes to channel more of these savings into investment, in a context shaped by several reforms: the Investment Charter, the Charter for Very Small Enterprises (TPE) and the generalisation of social protection.

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