Journal articles: 'Morocco JEL Classification'

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Sadok, Hicham. "The Effect of Exchange Rates on Trade Balance: An Empirical Study of Morocco." Journal of Business and Economics Review (JBER) Vol.3(1) Jan-Mar 2018 3, no. 1 (2018): 01–10. http://dx.doi.org/10.35609/jber.2018.3.1(1).

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Objective - This paper aims to examine the relationship between exchange rates and trade balance in Morocco, to investigate whether the Marshall-Lerner condition and J-curve exist. Methodology/Technique - This paper attempts to identify the relationship between the real exchange rate and trade balance in Morocco between 2000 an 2015. Findings - Historically, exchange rates have had a strong impact on foreign trade in Morocco. Novelty - This study concludes that the fluctuation of exchange rates has no notable impact on the rate of foreign trade. Type of Paper: Empirical. Keywords: Exchange Rates; Trade Balance; Exports; Imports; Morocco. JEL Classification: D51, D59.

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Amrani, Oumniya, and Amal Najab. "Morocco's Participative Banking Sector: A Cross-Analysis of Current State, Opportunities and Challenges of Its Five Banks and Three Windows." International Journal of Islamic Business & Management 4, no. 2 (2020): 8–19. http://dx.doi.org/10.46281/ijibm.v4i2.687.

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Launched two and a half years ago, the model of Islamic banking adopted by Morocco consists of five banks and three windows. This paper aims to present an exploratory case study of the performance of the eight actors of Morocco participative banking. The study reveals an increase of Murabaha funding and deposits while the total net profit remains negative (MAD -420 million) mainly due to the start-up costs absorbing an enormous amount of resources. Presented in a SWOT Analysis, the study’s results confirm that the sector is facing many difficulties and gaps that negatively affect the business especially the incomplete participative financial ecosystem. Then, the paper presents a benchmark study of Turkey’s participation in banking. Findings show that the financial ecosystem in Turkey is much more developed compared to Morocco. Consequently, this situation favored the rise of the five operational participation banks whose asset growth rate reached 99%, between 2014 and 2018, and recorded positive net profits which exceeded TL 2 billion. Nevertheless, both Morocco and Turkey participation banks are still too young and can make headway only if the regulators and the operators properly address the challenges which hamper their development. JEL Classification: G21, 057.

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Abdessamad, EJJIAR, and ARIB Fatima. "The Impact of Climate Change on Economic Growth in Developing Countries Case of Morocco." International Journal of Accounting, Finance, Auditing, Management and Economics 3, no. 4-1 (2022): 354–67. https://doi.org/10.5281/zenodo.6612549.

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Today, climate change is one of the major challenges that face the world, it is a considerable threat to mankind and also to its economic activities, the macro-economic impacts of climate change and low-carbon transition policies on the planet would be moderate overall a relative few hundredth of a percent of world GDP on an annual basis. Understanding what constitutes dangerous climate change is of critical importance for future concerted action (Schneider, 2001, 2002). Developing countries, such as Morocco, consider themselves to be the most vulnerable to the effects of climate change. In contrast to low-income countries, rich countries that have very high greenhouse gas emissions can mitigate and adapt to the impact of climate change. The awareness of this vulnerability was confirmed during the many years of drought that hit the country at the end of the last century and heavily affected the national economy. It is important to have the most recent information on this subject in order to take it into account in the vulnerability assessment and adaptation planning processes. In this work, we purpose a review of the literature on the impact of climate change on economic growth, particularly in Morocco. theoretical analysis of the environmental/economic analysis and the possibility of its application to the Moroccan situation The study finds a significant negative effect on climate change debt on economic growth in Morocco in the short-run and the long-run. It also finds the necessity of implementing an economy to have more ideas about the unknown climate/economic situation in Morocco.   Keywords: Climate change; Economic Growth; DICE Model; Innovation; Morocco JEL Classification: Q44, Q54 Paper type: Theoretical Research

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Fadoua, JOUDAR, and DINAR Brahim. "Toward Understanding Financial Diplomacy : The Case Of Morocco." International Journal of Accounting, Finance, Auditing, Management and Economics 3, no. 3-1 (2022): 109–23. https://doi.org/10.5281/zenodo.6582481.

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Due to an economic context characterized by globalization, marked by fierce competition and by the opening of markets at the international level, several opportunities and large-scale challenges arise because of this new international context. This set of circumstances has drawn increasing attention to the role of financial diplomacy in promoting savings. Generally confused with economic diplomacy, financial diplomacy represents a particular aspect of diplomacy, however it remains very little treated in research works. Aware of the importance of financial diplomacy in the insertion of its financial system at the level of international finance, Morocco has deployed remarkable efforts in this direction. Indeed, the interest given to financial diplomacy by Morocco is not new, it dates back to its independence. The structural adjustment program initiated in Morocco in 1983; was the beginning of strengthening the assistance and support relations of the IMF and the World Bank. These relations explain Morocco's interest in its financial diplomacy. Due to the lack of research work dealing with this issue, this article attempts to answer the following question: What are the illustrations and actors of financial diplomacy in Morocco to ensure its insertion in the international economy? To answer this question, this article examines the importance of Morocco's financial diplomacy in international financial relations, through an identification of diplomatic actors as well as its contribution to Morocco's debt situation.   Keywords: Financial Diplomacy - International Monetary Fund - World Bank Classification JEL:  F00, G00, F65 Paper type: Theoretical Research

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Rachida, EL YAMANI. "The impact of stock market development on economic growth in Morocco: An analysis using the VAR approach." International Journal of Accounting, Finance, Auditing, Management and Economics 3, no. 4-1 (2022): 78–93. https://doi.org/10.5281/zenodo.6611955.

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The determination of the factors that can stimulate economic growth has been important, and given the importance of the stock market in economic development, a serval researches are interested in the analysis of the relationship between stock market development and economic growth. The studies have confirmed that the economic growth, in a nation, is positively impacted by the stock market development. As a developing country, Morocco is looking for a development model that will allow it to ensure a durable economic growth. This paper seeks to examine the link between stock market development and economic growth In Morocco, using time-series data sourced from the Central Bank of Morocco covering the period of 2008-2021, with a quarterly frequency, and using the vector autoregressive (VAR) approach to estimate the results. The capitalization and liquidity are used as stock market indicators. The results of the study show that the coefficient of the capitalization has a positive sign but for the liquidity it has a negative sign. In the other hand, for the control variables, the coefficient of the inflation rate has a positive sign but that of the real effective exchange has a negative sign. Keywords: Stock market, Capitalization, Liquidity, Economic growth, VAR, Morocco. JEL Classification : E44 Paper type : Empirical research

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Ahmed, HEFNAOUI, CHARFI Mohamed, and IAATAREN Idriss. "Analysis of Potential Production in Morocco." International Journal of Accounting, Finance, Auditing, Management and Economics 3, no. 4-1 (2022): 433–45. https://doi.org/10.5281/zenodo.6611978.

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In recent years, economic developments in a number of advanced and developing countries have been marked by a decline in growth. Many studies have shown that a large part of this depreciation is explained by that of potential growth. In this respect, the development of potential growth has become one of the most important economic issues in that it affects the conduct of monetary policy and the management of public finances. The objective of this article is to propose an estimate of potential output in Morocco, based on econometric modeling of the Cobb Douglass function based on three variables: Real Gross Domestic Product (GDP), Capital Stock (K) and employment level (L). Using annual data covering the period from 1982 to 2019, representing a sample of 38 observations. The results obtained show a decrease in potential output in Morocco from 2011 onwards, mainly due to the slowdown in the rate of change of GFCF to 3.8% on average between 2011 and 2019, the declining employment rate and also the negative contribution of overall factor productivity. From the results of this study it would be possible to determine the output gap, that is, the gap between actual and potential output. The latter is an important variable for the conduct of monetary policy, as it is a major source of inflationary pressures in the economy. Keywords: Potential growth, production function, total factor productivity, monetary policy, output gap. JEL Classification: E, E23, D2, D24 Paper type: Empirical research

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T., Prof Saadi,, and Prof Zaoudi, A. "Exploring the link between diversification strategy and economic performance in the Moroccan real estate sector: A Data Envelopment Analysis approach." GATR Journal of Business and Economics Review (GATR-JBER) VOL. 8 (1) APRIL - JUNE 2023 8, no. 1 (2023): 40–50. http://dx.doi.org/10.35609/jber.2023.8.1(2).

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Objective – This study examines the relationship between diversification strategy and company economic performance in the Moroccan real estate sector. The research focuses on measuring the impact of diversification on technical and Scale efficiency using the Data Envelopment Analysis (D.E.A.) method. The objective is to provide empirical evidence regarding the performance differences between diversified and undiversified companies in the Moroccan real estate industry context. Methodology –Data was collected on sales, inventory, and personnel expenses to construct the input-output ratio from a sample of 60 companies in the Moroccan real estate sector. Diversified and undiversified firms were identified based on their business activities. The Data Envelopment Analysis (D.E.A.) method was then applied to measure these companies' technical and Scale efficiency. Findings – The results reveal that diversified companies in the Moroccan real estate sector exhibit significantly higher economic efficiency, around 40% compared to 31% for undiversified firms. Moreover, diversified firms demonstrate superior pure technical efficiency with a score of 47%, while undiversified firms lag at 36%. However, the two groups have no significant difference in scale efficiency. These findings highlight the positive impact of diversification on overall efficiency and suggest the potential benefits of adopting diversified strategies in the real estate industry. Novelty – This study contributes to the existing literature by exploring the relationship between diversification and performance in the particular context of the real estate industry in Morocco. The findings of this study have practical implications. Managers and policymakers can utilize the results to understand the potential benefits of diversification and consider incorporating this strategy into their business models. Type of Paper: Empirical/ Review JEL Classification: L10, R15, R30, M21 Keywords: Economic performance, D.E.A., diversification, Morocco, real estate sector, technical and Scale efficiency, slack Reference to this paper should be made as follows: Saadi, T; Zaoudi, A. (2023). Exploring the link between diversification strategy and economic performance in the Moroccan real estate sector: A Data Envelopment Analysis approach, J. Bus. Econ. Review, 8(1), 40–50. https://doi.org/10.35609/jber.2023.8.1(2)

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Asmaa, FARAH. "WORK-FAMILY BALANCE: AN EMERGING ISSUE IN MOROCCO." African Scientific Journal Vol 3, N° 8 (2021): 001. https://doi.org/10.5281/zenodo.5675241.

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Abstract : The interest in work-life interface is due to several sociodemographic changes in the world : feminization of work, increase in homogamy, struggle for gender equality. During last years, generational expectations confirm this interest. The Generation Y employees ask for more than linear and hierarchical progression within the organization, they want to have a lifestyle allowing them to balance their existence between work, family,leisure …Work seems to be less central to their lives ! (Jean M. Twenge ,2013) In Morocco, many of those changes took place in last decades.  In this context we tought that it is important to underestand the place of work-family interface in Morroco. Our study has the aim to understand the societal changes which impact the work-life interface and to explore if companies take this issue in consideration. By this paper we are exploring the situation of the work-family interface through an analysis of the organizational and societal changes. Since the aim of this study is comprhensive, an inductive and interpretative approach is appropriate (Yin 2003). The study was based in a qualitative design and interpretitive approcah (Sandberg, 2005) through semi-structured interviews with experts : human ressources directors, HR consultant, sociologists and psychologists. This paper gives a descreiptive overview about the societal level  and  organisational level . The results shows that many changes affects the work-family interface which is rather conflictual in Morocco specially for women. The companies has some practices which are informal in the majority. Keywords: Work-family balance,Family Friendly Practices, HR Practices, HRM, Morocco JEL Classification: M12 Personnel Management, Executives. Executive Compensation

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Saida, FILALI, and FARAJ Nassima. "Marketing of SMEs in the digital age: Challenges and issues." International Journal of Accounting, Finance, Auditing, Management and Economics 3, no. 6-2 (2022): 231–41. https://doi.org/10.5281/zenodo.7373605.

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Digital marketing is revolutionizing organizational structures including businesses, especially Moroccan SMEs, offering a set of opportunities to improve the traditional way of operating while building a more authentic relationship with customers. Indeed, digital marketing brings forward important characteristics for SMEs in search of efficiency and performance, and it is considered as an interesting alternative to traditional approaches. To this end, the interest of our study is to show the main issues and challenges that the digitalization of the marketing function can have on Moroccan SMEs. In this context, the problematic we will try to answer is an original one aiming to explore the impact of the introduction of digital within the marketing function by taking the case of SMEs. To this end, we opted for a sample of 4 consultants to respond to the exploratory phase and 41 respondents for the confirmatory phase. The results have shown that digital marketing is a double-edged sword in that it can have different impacts on SME structures. With respect to the contributions of the study, we first point out the results will be beneficial for SMEs which constitute a large part of the Moroccan economic fabric, and a concise methodology based on the triangulation between the qualitative and quantitative approach. As for the limitations, we mention that the number of respondents is somewhat limited.   Keywords: Digital marketing, SME, challenges, issues, Morocco. JEL Classification : M31 Paper type : Empirical research

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Mohamed, ELMOUKHTAR, TOUHAMI Fatima, TAOUABIT Othmane, and MOUHTAT Imane. "Promoting Green Entrepreneurship in Morocco as a Roadmap to Sustainable Development: A literature Review." International Journal of Accounting, Finance, Auditing, Management and Economics 3, no. 4-1 (2022): 174–90. https://doi.org/10.5281/zenodo.6612022.

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Over the last twenty years, and since the United Nations World Conference on Sustainable Development (Rio+20), the theme of the green economy and its impact on sustainable development has prompted many researchers to reflect in depth on the global movement towards a more equitable and sustainable economy, towards a "green economy", generating a total commitment across the world. Morocco, like several other governments, has often given great importance in its stimulus programmes to green entrepreneurs, through the granting of research credits to stimulate innovation, or loan guarantees, or tax breaks or incentives for business creation. The choice of this theme fits perfectly into the current context of our country, marked by the debates on the new development model. Today, Morocco is charting its path towards development by putting in place very ambitious strategies characterised by the adoption of new educational, social, economic and financial programmes. Green entrepreneurship is therefore an asset to accompany the country in its economic, technological and environmental transition. It constitutes a new economic and development dynamic in full evolution in a context of awareness of global environmental issues. Can we therefore consider the promotion of green entrepreneurship in Morocco as an asset for a sustainable territorial development of the country?  The aim of our study is to analyse the contribution of green entrepreneurship to the development of the country using the SWOT analytical tool and to draw some conclusions and recommendations. Keywords: Green economy, green entrepreneurship, sustainable development, literature review. JEL Classification: Q56 Paper type: Theoretical Research

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Raja, CHAKRA, and CHAREF Fatima. "The effect of telework on organizational commitment, case of IT Engineers Casablanca Rabat region/Morocco." International Journal of Accounting, Finance, Auditing, Management and Economics 3, no. 3-2 (2022): 596–611. https://doi.org/10.5281/zenodo.6582487.

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Research in management sciences has proposed a set of works centered on the theme of corporate social responsibility (CSR) and that of organizational behavior, but few studies focus on telework. However, research seems limited to the interaction of these two variables. The concept of telework seems relevant because it questions the organizational functioning and the role of human resources management (HRM). Giving that turnover rates is a major occupation for companies as it affects their performance, we aim to determine the viability of his usage to improve this KPI. We have selected the case of new technology companies in Morocco as a field of investigation. Our research is driven by the following question: can the perception of telework by employees have effects on their attitudes and behaviors in terms of organizational commitment? We chose Moroccan IT companies as the subject of our study s they depend greatly on human capital to ensure continuity. There is a scarcity of local talent, which drives the turnover higher. This article highlights the links of effects that connect our two variables through the analysis of 18 qualitative interviews. The results improve our understanding of the impact of telework on the behaviors and attitudes of employees in terms of organizational commitment. The exploratory nature of our research leads us to choose a qualitative methodology with a comprehensive aim. Semi-directive interviews made it possible to explore the different perceptions of employees and the resulting organizational commitment behaviors, followed by analysis for each case based on occurrences in discussed themes. The study revealed a positive correlation between teleworking and organizational commitment.   Keywords: Telework, organizational behavior and commitment, corporate social responsibility (CSR), human resource management (HRM), new technology companies, Morocco Classification JEL: O15 - Human Resources, Human Development, Income Distribution, Migration Paper type: Empirical research

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Ismail, EL GHANNOUCHI. "The modernization of the Moroccan public administration as a lever for improving the quality of public services." International Journal of Accounting, Finance, Auditing, Management and Economics 3, no. 4-2 (2022): 148–61. https://doi.org/10.5281/zenodo.6944347.

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After a series of successful implementations of management styles in private organizations, the concept of "new public management" officially emerged in the 1980s. Its main objective is to modernize administrative behaviors and management styles and to change the key success factors for both the private and public sectors. On the other hand, the implementation of management styles in public institutions still raises many questions and doubts about their ability to improve public performance. Morocco has recently adopted a turnaround policy aimed at improving public sector performance and management, delivering performance and defining governance styles that meet the needs of Moroccan citizens. This is one of the countries where we are. Today, our administration is faced with a demanding and more critical user with regard to the functioning of public services, it must meet major challenges and cope with demands and complex situations that require discernment, transparency, versatility, communication skills, dialogue and leadership. In this context, it is imperative that the culture of the public administration evolve to fit into the logic of management by performance and by results. Therefore, the objective of this paper is to show the difficulties and challenges of the Moroccan public administration and to propose ways to improve the quality of public services.   Keywords: public administration, public services, new public management, NTIC: New Information and Communication Technologies, modernization JEL Classification: H83 Paper type: Theoretical Research

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Khalid, Achibane. "Study of the impact of Public Debt on Moroccan Economic Growth: ARDL model." International Journal of Accounting, Finance, Auditing, Management and Economics 2, no. 6-1 (2021): 460–72. https://doi.org/10.5281/zenodo.5735807.

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There are a number of theoretical arguments that lead to the conclusion that an increase in the public debt ratio could lead to a reduction in growth due to a crowding-out effect of productive investment and the relative inefficiency of the State in the use of its resources. However, no argument is really convincing because, as usual in economics, theory does not provide a definitive answer. The objective of this article is to study the impact of Morocco's total government debt on economic growth. We will estimate an ARDL model (Auto Regressive Distributed Lag model), which is part of the class of dynamic models, and which makes possible to capture the temporal effects (adjustment time, anticipations, etc.) in the explanation of a variable.     Keywords: ARDL Model, Government debt, Economic Growth, Debt Crisis JEL classification : H10, H60, O40 Paper Type: Empirical Research

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Sabra, Mahmoud M. "The Nexus Relationship between Exports and Government size Dynamic Panel Evidence from the MENA Region." GATR Journal of Business and Economics Review 6, no. 2 (2021): 160–70. http://dx.doi.org/10.35609/jber.2021.6.2(5).

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Objective - This article aims to detect empirically, the nexus relationship between exports and government size in seven middle-income MENA countries, namely, Algeria, Egypt, Jordan, Lebanon, Morocco, Palestine, and Tunisia, from 2000 to 2019. Methodology/Technique - This article employs two econometric techniques, simultaneous equations using OLS, and recent Dynamic Panel Data system analysis. Findings - Article results show a significant and robust negative association between exports and government size that indicates the need for government adoption of a series of policies for exports promotion strategies and likewise, openness can increase both variables. Growth and FDI increase exports and decrease government size, while ODA decreases exports and increases government size with Inflation-decreasing exports. Novelty - This article shines a light on the expanded government size capable of hindering growth and exports through the adoption of unfavourable policies to support the private sector, growth, and exports. Ultimately, this determines whether government policies are favourable or not. Type of Paper - Empirical Keywords: Exports, Government size, MENA, GMM DPD system. JEL Classification: F14, H11, C33

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Ikram, CHAIB, BAKRAOUY Chaimae, CHERKAOUI Mounia, and MESSAOUDI Abdelouahed. "L'intégration du commerce électronique dans le secteur de la grande distribution au Maroc : Une étude exploratoire des stratégies de transition numérique des enseignes." International Journal of Accounting, Finance, Auditing, Management and Economics, October 29, 2023. https://doi.org/10.5281/zenodo.10050963.

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Résumé.L'apparition de la grande distribution au début des années 1990 a modifié les manières traditionnelles de consommer des Marocains. La grande distribution représente environ 20% du chiffre d'affaires du commerce en détail au Maroc (USDA, GAIN Report).  Les avancées technologiques ont modifié les habitudes d'achat des consommateurs marocains, en les incitant à rechercher des produits en ligne. Cette transition a créé une concurrence féroce pour les entreprises de la grande distribution, les poussant à adapter leurs modèles commerciaux traditionnels. Le commerce électronique, en tant qu'élément clé de cette réinvention, offre aux entreprises marocaines la possibilité de s'adapter et de prospérer dans ce nouvel environnement. Cependant, cela vient avec des défis tels que la réglementation, la sécurité des données, et la concurrence internationale. Cette vue d'ensemble explore en détail les tendances, les défis, et les opportunités du commerce électronique pour la grande distribution au Maroc, mettant en évidence son rôle crucial dans l'avenir de ce secteur.L'objectif de cette étude donc est d'explorer les implications de l'intégration du commerce électronique dans les opérations de la grande distribution au Maroc.Pour atteindre cet objectif, notre approche repose sur une revue de littérature classique, axée sur trois points essentiels. Tout d'abord, nous examinerons l'évolution du commerce digital en définissant les termes clés et en proposant une typologie du e-commerce. Ensuite, nous analyserons l'évolution de la grande distribution au Maroc. Enfin, nous étudierons la relation entre le commerce électronique et la grande distribution au Maroc en évalueront l'impact réel du commerce électronique sur les ventes, la compétitivité des entreprises et les comportements d'achat des consommateurs au Maroc.  Mot clés : E-commerce, Digitalisation, Grande distribution, Compétitivité.JEL Classification : O32Type du papier : Recherche Théorique   Abstract.The emergence of supermarkets in the early 1990s has changed the way Moroccans traditionally consume. The accounts for around 20% of retail sales in Morocco in Morocco (USDA, GAIN Report).  The technological advances have altered the purchasing habits of Moroccan Moroccan consumers, encouraging them to search for products online. This transition has created fierce competition for retailers, forcing them to adapt their traditional business models. E-commerce as a key element in this reinvention, offering Morocco companies the opportunity to adapt and prosper in this new environment. However, this comes with challenges such as regulation, data security, and international competition. This overview explores in detail the trends, challenges and opportunities opportunities of e-commerce for the Moroccan retail sector, highlighting its crucial role in the future of the sector. The aim of this study is therefore to explore the implications of integrating e-commerce into the operations of Morocco's retail operations in Morocco.To achieve this objective, our approach is based on a classic literature review, focusing on three key points. Firstly, we will examine the evolution of digital commerce, defining key terms and proposing a typology of e-commerce. Secondly, we analyze the evolution of mass retailing in Morocco. Finally, we will the relationship between e-commerce and mass retailing in Morocco in Morocco, assessing the real impact of e-commerce on sales, business competitiveness and consumer purchasing behavior in Morocco. Keywords: Electronic Commerce, Digitalization, Distribution, Large-Scale Retail, CompetitivenessClassification JEL:  O32Paper type: Theoretical Research

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DRIYASSE, Saleh, Younes TAGHOUTI, and Noureddine ABDELBAKI. "Setting up a Territorialized Food System (TFS) in Morocco: Comparative study of Territorialized Food Systems in France, Spain and Turkey." International Journal of Accounting, Finance, Auditing, Management and Economics, September 29, 2024. https://doi.org/10.5281/zenodo.13856826.

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Morocco offers several potentials for the development of territorialized food systems, on the one hand, the Moroccan diet, of the Mediterranean type, is based on quality and diversified local products, and on the other hand, the decentralization of public policies and the will to develop local products. The success of the initiatives depends largely on the mobilization of stakeholders from the sectors, consumers and citizens around this project.   Keywords: “Foods Systems, “Territorialized Food Systems”, “Local products”, “Food security” JEL Classification : M31, E22, F21, E22, M31, L83 Paper type: Empirical research

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Jamal, SEGDOUD, ABDELKHALIK Hicham, and AZOUAOUI Hassan. "Key success factors of local product cooperatives: an attempt at contextualisation." March 31, 2023. https://doi.org/10.5281/zenodo.7786125.

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This research paper focuses on a contextualization study that was conducted to integrate the specificities of the Moroccan context in the design of the phenomenon of success of local product cooperatives. We are convinced that it is not possible to borrow models designed in other contexts to study this issue in Morocco. To this end, we consider it essential to conduct a contextualization study to better understand the reality and re-examine the key success factors of local product cooperatives in the light of the Moroccan context. In this article, we first conducted a literature review highlighting the key concepts and theoretical foundations of our research question. Then, we conducted a qualitative study through semi-structured interviews with cooperative experts in Morocco. This contextualization study allowed us to reconstruct the different key success factors of local product cooperatives, primarily in the Moroccan context. The interviews conducted with experts highlighted some elements that were not taken into account in our initial conceptual model, including positive involvement, certification to access the market, productive alliances, and the number of members, gender, and win-win partnerships. Keywords: Contextualization study; Key success factors; local product cooperatives JEL Classification: O12 D31 E24 Paper type: Empirical research

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ES-SALEHY, Mustapha, and Abdelnabi SABRI. "Les dimensions politiques et stratégiques des relations Maroco-africaines." International Journal of Accounting, Finance, Auditing, Management and Economics, January 31, 2024. https://doi.org/10.5281/zenodo.10602437.

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Résumé : Cet article explore en profondeur les dimensions politiques et stratégiques des relations maroco-africaines à travers le prisme de l'histoire, de la diplomatie et des initiatives économiques. En mettant en évidence le retour du Maroc à l'Union africaine, son aspiration à intégrer la CEDEAO, et son empreinte économique croissante sur le continent, nous déchiffrons la vision stratégique du Maroc en Afrique. De plus, l'article évalue le positionnement du Maroc face à l'intérêt grandissant des puissances mondiales pour l'Afrique, notamment les puissances occidentales, la Chine, et d'autres puissances émergentes. En conclusion, nous synthétisons les principaux points de notre analyse et projetons des perspectives sur les relations futures entre le Maroc et l'Afrique. Ce travail vise à fournir une compréhension nuancée des ambitions et des défis du Maroc en Afrique dans un contexte géopolitique en constante évolution.   Mots clés : Relations maroco-africaines ; Diplomatie ; Investissements économiques ; Puissances mondiales JEL Classification : D72; E52 Type du papier : Recherche Théorique     Abstract: This article explores in depth the political and strategic dimensions of Moroccan-African relations through the prism of history, diplomacy and economic initiatives. By highlighting Morocco's return to the African Union, its aspiration to integrate ECOWAS, and its growing economic footprint on the continent, we decipher Morocco's strategic vision in Africa. In addition, the article assesses Morocco's positioning in the face of the growing interest of world powers in Africa, notably Western powers, China, and other emerging powers. In conclusion, we summarize the main points of our analysis and project perspectives on future relations between Morocco and Africa. This work aims to provide a nuanced understanding of Morocco's ambitions and challenges in Africa in a constantly evolving geopolitical context.   Keywords: Moroccan-African relations; Diplomacy; Economic investments; World powers Classification JEL : D72; E52 Paper type: Theoretical Research

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HARKAT, Tahar, Zakaria EZ-ZARZARI, and Nisrine HAFID. "The role of digitalization in enhancing financial inclusion and performance in Moroccan MFIs." International Journal of Accounting, Finance, Auditing, Management and Economics, April 6, 2025. https://doi.org/10.5281/zenodo.15163297.

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Abstract: With digitalization reshaping the financial sector around the globe, MFIs now have a new opportunity, especially in emerging economies, to extend their services to more underserved populations. For this, the study investigates how digital platforms can be leveraged in Morocco to transform the microfinance sector. More specifically, this contribution investigates how digital platforms influence the profitability and financial inclusion of Moroccan microfinance institutions (MFIs). The main objective of the study is to investigate the direct impact that the adoption of digital platforms, their perceived benefits by the client, and the barriers that limit their effective use have on the profitability of Moroccan MFIs. To capture these insights, a survey was used and distributed among MFI clients and staff across urban, semi-urban, and rural areas in Morocco. Using Structural Equation Modeling (SEM), the survey was analyzed, and the results found evidence that digital platforms have a direct influence on Moroccan MFIs. Empirical evidence indicates that the use of digital platforms leads to improved financial inclusion, cost reductions, and more effective services. However, the barriers to using digital platforms, such as digital literacy, security concerns, and lack of access to the internet, have an adverse impact on the profitability and financial inclusion of these institutions. These challenges are particularly pressing in rural areas and must be addressed by the government for digital solutions to reach their full potential. These findings offer actionable insights for Moroccan MFIs and policymakers. By addressing the human and technological barriers to digital adoption, stakeholders can unlock greater financial access for marginalized communities and build more sustainable microfinance systems in Morocco.   Keywords: Microfinance institutions; sustainability; profitability; digitalization; Morocco JEL Classification: G00, G21, G51 Paper type: Empirical research

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EL, MODNI Rania. "Crowdfunding in professional soccer clubs in Morocco: A perspective on fan motivation." International Journal of Accounting, Finance, Auditing, Management and Economics, August 15, 2024. https://doi.org/10.5281/zenodo.13328658.

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Abstract: The article explores crowdfunding in Moroccan professional soccer clubs, focusing on fan investment motivations and impacts on loyalty and trust, in addition to fan motivation for participation. It addresses the lack of empirical knowledge on crowdfunding motivations within sports clubs, particularly under the unique socio-economic context of Morocco. By examining the relationship between clubs and fans through crowdfunding, the study aims to identify potential for innovative financial strategies to support club funding. Utilizing an online survey of 591 fans and a partial mediation model, it finds intrinsic motivation as a key driver for crowdfunding participation. Through structural equation modeling, the research assesses fan trust, loyalty, and investment willingness, revealing significant factors like perceived meaningful contributions and social motivation influencing fans' crowdfunding behaviors. The findings suggest clubs should emphasize community-oriented projects to enhance crowdfunding success, highlighting the nuanced dynamics between fan engagement and financial support in Moroccan soccer.   Keywords: Crowdfunding, Moroccan Soccer Clubs, Fan Engagement, Financial Strategies, Structural Equation Modeling JEL Classification: L83, G41, M31 Paper type: Empirical research

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ERRADOUANI, Haniya Oumaima. "L'impact de l'annonce des fusions-absorptions sur le rendement financier : Étude et analyse empirique au Maroc." International Journal of Accounting, Finance, Auditing, Management and Economics, November 10, 2024. https://doi.org/10.5281/zenodo.14061104.

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Résumé : À travers cette étude, nous cherchons à analyser la réaction du marché marocain à l'annonce d'une opération de fusion-absorption et sa répercussion sur la création de valeur actionnariale chez l'absorbante. La particularité de ce travail réside dans ses apports qui contribueront à la compréhension d'un phénomène qui s'impose de plus en plus sur la scène marocaine et qui représente à la fois un champ de recherche vierge. Nous présentons dans cet article une étude économétrique, basée sur la méthode des études d’événements, portant sur neufs cas de fusions-absorptions de sociétés marocaines selon deux profils différents les filiales marocaines (absorbantes et absorbées) de sociétés multinationales, devant entériner la fusion au Maroc en prolongement de la fusion des sociétés mères étrangères et les sociétés de droit marocain, sans dépendance étrangère aucune, ayant opté pour un rapprochement capitalistique au moyen d’une opération de fusion. Mots clés: Fusion-absorption, l’annonce, création de valeur, sociétés marocaines. JEL Classification : G34, G14 Type du papier : Recherche empirique     Abstract : Our research focuses on the reaction of the Moroccan market to the announcement of a merger and how it relates to the shareholder value creation of the target company. One of the particularities of this study is the contribution it will provide towards the comprehension of a phenomenon that is becoming increasingly present in Morocco and at the same time represents a new research field. In order to test theories, we used the event study model to assist our reflection based on nine mergers of Moroccan companies according to two different profiles: Moroccan subsidiaries (absorbing and absorbed) of multinational companies, whose merger in Morocco is an extension of the merger of foreign parent companies and Moroccan companies, with no external dependence, who opted for merger operations. Keywords: Merger, announcement of a merger, shareholder value creation, Morocco. Classification JEL: G34, G14 Paper type: Empirical Research

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MEGHRAOUI, Niama, and LEMQEDDEM Hamid AIT. "The Impact of Crowdfunding on Social Entrepreneurship in Morocco: A Structural Equation Modeling Approach." International Journal of Accounting, Finance, Auditing, Management and Economics, December 6, 2024. https://doi.org/10.5281/zenodo.14286110.

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Faced with challenges in accessing traditional funding, crowdfunding offers an innovative solution. It enables social entrepreneurs to raise funds while mobilizing communities sensitive to their social and environmental goals. Indeed, crowdfunding has seen remarkable growth in developed countries and represents an exponentially growing global market. In Morocco, the new Law No. 15-18 on collaborative financing, introduced in 2021, removed regulatory barriers blocking crowdfunding development. This law, finally adopted several years after it was drafted and thirteen years after the practical emergence of crowdfunding in the United States marks a new step in diversifying Morocco's financial instruments. Its goals include strengthening financial inclusion for young project holders, supporting economic and social development, and channeling collective savings into new opportunities. This article examines the impact of crowdfunding on social entrepreneurship financing following the introduction of Law 15-18 in Morocco. Using structural equation modeling, we analyzed the relationships between crowdfunding, social entrepreneurship financing, and the newly introduced Moroccan regulations. The study was conducted with a sample of 200 Moroccan internet users. To draw valid conclusions, we adopted a methodological approach rooted in the postpositivist paradigm, using a hypothetical deductive approach where the hypotheses were derived from theory. Following this logic, we employed a quantitative approach based on structural equation modeling, explicitly using the LISREL method. By validating the research hypotheses, we demonstrated that crowdfunding, supported by Law No. 15-18, plays a crucial role in providing access to financing for social projects.   Keywords: Social entrepreneurship, Crowdfunding, collaborative financing. Classification JEL : B55, C3, L31, F65, G23 Paper type: Empirical Research

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CHADLI, Nadia, and Omar BELAL. "Digital transformation of Moroccan cooperatives: A case study of the Oriental region." International Journal of Accounting, Finance, Auditing, Management and Economics, February 25, 2024. https://doi.org/10.5281/zenodo.10702112.

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Since the 2000s, the widespread adoption of high technology has significantly altered management procedures and professional relations within organizations. The concept of digitalization is becoming increasingly important in the strategies of organizations in various countries such as Morocco. Indeed, they see digital as a means of achieving the goals of the new development model, "Digital Morocco". The present paper aims to address and analyze the challenges and opportunities brought about by digital transformation, in particular, for cooperatives at the national level. Methodologically, we have adopted an exploratory qualitative approach with Moroccan cooperatives. It is found that the major challenges facing Moroccan cooperatives are human capital, financing, and methodological support. Digital transformation can sometimes be a source of anxiety for many cooperative leaders. They must experiment with new ways of working that combine experience sharing, teamwork, strong collaboration with customers, creativity, and innovation. All of these issues are solvable with the help of digital technology if we know how to capitalize on opportunities. Hence, through this work, we would like to focus on the case of cooperatives and answer the following question: what impact does digitization have on management practices from the point of view of cooperative managers or leaders?   Keywords: Digitalization; Moroccan cooperatives; Issues and opportunities.. Classification JEL : G41 Paper type: Empirical Research

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CHAYBOUB, Rachid, and MORCHID Brahim EL. "Institutions informelles et participation des femmes au marché du travail au Maroc." International Journal of Accounting, Finance, Auditing, Management and Economics, March 7, 2025. https://doi.org/10.5281/zenodo.14991358.

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Résumé Cet article vise à comprendre l’effet des institutions informelles en tant qu’un ensemble de règles non écrites sur la participation des femmes marocaines au Marché du travail au Maroc. Il s’agit, en d’autres termes, de saisir les manières selon lesquelles les contraintes informelles (valeurs culturelles, normes sociales, coutumes, traditions, etc.) influent sur les perceptions vis-à-vis le travail des femmes marocaines. Après l’examen de la revue de littérature existante, nous avons démontré en mobilisant l’approche narrative que, malgré les dispositions formelles mises en place pour améliorer la présence des femmes marocaines dans la sphère publique, en particulier dans le marché du travail, les institutions informelles sont encore prédominantes et influencent les perceptions vis-à-vis le travail des femmes.   Mots-clés : Institutions informelles, Participation des femmes au marché du travail, Maroc. JEL Classification : B15, D02, O17 Type du papier : Recherche théorique     Abstract The aims of this study are an understanding of the effect of informal institutions on Female Labor Force Participation in Morocco. In others words, the study focuses on how informal institutions as a range of informal constraints (cultural values, social norms, customs, etc.) influence the Moroccans’ perceptions of Female Labor participation. After examining the existing literature review, we demonstrated by mobilizing a narrative approach that, despite the formal provisions putted in place to improve the presence of Moroccan women in the public sphere, particularly in the labor market, informal institutions are still predominant and influence perceptions regarding women's work.   Keywords: Informal Institutions, Female Labor Force Participation, Morocco. Classification JEL: B15, D02, O17 Paper type: Theoretical Research

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DAFIR, Amine. "Le Soft Power du Maroc en Afrique Subsaharienne : Une Diplomatie Culturelle au Service des Intérêts Économiques." International Journal of Accounting, Finance, Auditing, Management and Economics, December 31, 2024. https://doi.org/10.5281/zenodo.14582162.

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Résumé  Les rivalités d’influence entre puissances émergentes et traditionnelles prennent une dimension stratégique croissante, particulièrement en Afrique subsaharienne, où le Maroc s’efforce de renforcer son soft power. S’appuyant sur son patrimoine culturel et religieux unique, le Royaume adopte une approche multidimensionnelle pour promouvoir un islam modéré et ses valeurs de tolérance, tout en cherchant à tisser des relations politiques et économiques solides. Cet article analyse les principaux instruments de cette diplomatie marocaine. Il met également en lumière les défis auxquels fait face cette stratégie, notamment la concurrence et l’absence de coordination entre les acteurs impliqués. À travers une analyse comparative, cet article examine les limites structurelles et institutionnelles des efforts marocains et propose des pistes d’amélioration pour maximiser leur impact. En combinant ses dimensions culturelles, religieuses et économiques, le Maroc pourrait se positionner comme un acteur clé dans la coopération Sud-Sud, et consolider son rôle de leader spirituel et culturel en Afrique subsaharienne.   Mots clés : Soft power, Diplomatie culturelle, Afrique subsaharienne, Maroc, Coopération Sud-Sud, Influence. Classification JEL : F50, Z10   Type de l’article : Article théorique   Abstract Influence rivalries between emerging and traditional powers are taking on a growing strategic dimension, particularly in sub-Saharan Africa, where Morocco is seeking to reinforce its soft power. Building on its unique cultural and religious heritage, the Kingdom is adopting a multi-dimensional approach to promoting moderate Islam and its values of tolerance, while seeking to forge solid political and economic relations. This article analyzes the main instruments of this Moroccan diplomacy. It also highlights the challenges facing this strategy, notably the competition and lack of coordination between the players involved. Through a comparative analysis, the article examines the structural and institutional limits of Moroccan efforts, and suggests ways of improving them to maximize their impact. By combining its cultural, religious and economic dimensions, Morocco could position itself as a key player in South-South cooperation, and consolidate its role as a spiritual and cultural leader in sub-Saharan Africa.   Keywords: Soft power, Cultural diplomacy, Sub-Saharan Africa, Morocco, South-South cooperation, Influence. JEL Classification: F50, Z10   Paper type: Theoretical Research

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EL-KHANCHOUFI, Mostafa, AMMI Anouar, Mostafa EL-KHANCHOUFI, Anouar AMMI, and Omar OUHEJJOU. "The dynamics of the establishment of Multinational Firms in Morocco: new geopolitical and geoeconomic factors." International Journal of Accounting, Finance, Auditing, Management and Economics, February 8, 2024. https://doi.org/10.5281/zenodo.10636973.

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Today we see that geopolitical and geoeconomic factors play an important role in the location choices of multinational firms in Morocco in a globalized context. Political stability, strategic alliances, and strategic positioning play a fundamental role in determining the establishment strategies of these firms in Morocco. Over the past decades, Morocco has emerged as a preferred destination for foreign investments, attracting many multinational corporations across various economic sectors. This trend is part of a global context of reconfiguring economic and political relationships, where geopolitical and geo-economic factors increasingly influence the strategic choices of companies. In this perspective, our article aims to explore the complex mechanisms that underlie the decisions of multinational corporations to establish a presence in Morocco, with a particular emphasis on geopolitical and geo-economic influences. We will seek to understand how regional and global dynamics, diplomatic relations, trade agreements, and local economic characteristics interact to shape the strategic choices of companies seeking new markets and profitable partnerships. This study aims to explain the role of geopolitical and geoeconomic factors in the choice of multinational firms in Morocco as a destination for their establishment. In this sense, how do geopolitical and geoeconomic factors determine the implementation strategies of multinational firms in Morocco? To answer this question, we carried out a qualitative study with semi-directive interviews with 10 experts in geopolitics and geoeconomics and 12 business leaders operating in Morocco. Through a content analysis, our result shows the importance of geopolitical and geoeconomic factors in the location choices of multinational firms in Morocco. These firms seem to be attracted by the country's strategic geopolitical position, political stability, international alliances and economic advantages   Keywords: Multinational Firms; geopolitics; geoeconomics; Morocco, globalization. Classification JEL: F23 Paper type: Empirical Research

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Laila, BOUHID, AIT HOU Mohamed, and SAIDI Abdelmajid. "Analysis of consumer perception as a lever for promoting local products: case of Moroccan dates." May 31, 2023. https://doi.org/10.5281/zenodo.7974105.

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In the era of trade globalisation, especially in the agri-food sector, which has led to mass consumption and industrialised products, the preservation of the territorial agri-food heritage of each country is becoming an increasingly important issue, This has aroused the interest of both researchers working on the economy of the territory and of all stakeholders, as it will not only improve the visibility and enhancement of local products, but will also achieve multidimensional objectives, both economic (competitiveness, development of the local economy, etc.), socio-territorial (economic development of the local economy, etc.), socio-territorial (territorial attachment, preservation of local knowledge, etc.) and agro-ecological (local supply, less processed consumption, etc.). In order to achieve these objectives, particularly in the Moroccan context, this article aims to analyse the perception of Moroccan consumers of Moroccan date products, from a sector which, although it has significant multidimensional potential, faces several challenges, particularly on the commercial and competitive levels. From a methodological point of view, the analysis of consumer perception was carried out with 560 respondents covering the different regions of Morocco, using a tripartite perception model (cognitive, affective, conative component), which revealed that consumer preferences were well understood, particularly in terms of variety, organoleptic characteristics (size, taste, etc.), purchase price, willingness to pay and preferred points of sale. From the responses collected and characterising the purchasing behavior and motivation in the broad sense, the priority areas on which it is necessary to act were identified, for a promotion of Moroccan dates.   Keywords: Consumer, Perception analysis, Promotion of local product, Dates, Morocco. JEL Classification : Q01, Q18, Q5, R1, R58 Paper type: Empirical research

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ENNOUHI, Nouhaila, and Hicham BENYASSINE. "Le Tourisme Marocain Face aux Secousses Sismiques : Préparation et Perspectives." International Journal of Accounting, Finance, Auditing, Management and Economics, November 10, 2024. https://doi.org/10.5281/zenodo.14061173.

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Résumé : Le Maroc, réputé pour sa richesse culturelle et ses paysages variés, se situe dans une région sismique active, ce qui représente un défi majeur pour son secteur touristique en plein essor. Cet article examine l'impact des séismes sur le secteur du tourisme au Maroc en mettant l'accent sur des événements majeurs tels que le tremblement de terre d'Agadir en 1960 et celui d'Al-Hoceima en 2004. Le séisme d'Agadir, ayant causé des destructions massives, a entraîné des réformes significatives dans les normes de construction et les pratiques de résilience. De même, le séisme d'Al-Hoceima a révélé des vulnérabilités persistantes et a conduit à des améliorations supplémentaires en matière de préparation aux catastrophes. L'article analyse l'évolution des mesures de sécurité et des codes de construction au Maroc en réponse à ces événements sismiques. Il évalue l'efficacité des mesures actuelles et explore les implications des catastrophes naturelles sur l'industrie touristique, notamment en termes de sécurité des visiteurs et d'impact économique. En synthétisant les données historiques, les pratiques actuelles et les stratégies futures, l'article offre des perspectives précieuses sur les efforts du Maroc pour renforcer sa résilience face aux risques sismiques, tout en garantissant la stabilité et la sécurité de son secteur touristique.   Mots clés : Maroc, Secteur touristique, Séismes, Impact économique, Préparation aux catastrophes. Classification JEL : L83, Z30. Type de l’article : Recherche analytique   Abstract: Morocco, celebrated for its rich cultural heritage and diverse landscapes, is situated in a seismically active region, posing significant challenges to its burgeoning tourism industry. This paper investigates the impact of seismic activity on Morocco’s tourism sector by examining the historical context and consequences of major earthquakes, including the catastrophic 1960 Agadir earthquake and the 2004 Al-Hoceima quake. The Agadir earthquake, with its profound impact on the city and its subsequent reconstruction, marked a pivotal moment in the development of Morocco's seismic resilience and construction standards. Similarly, the Al-Hoceima earthquake highlighted ongoing vulnerabilities and prompted further enhancements in disaster preparedness and response. Through an analysis of these seismic events and their aftermath, the paper explores how Morocco has adapted its infrastructure and safety protocols to better withstand future earthquakes. It assesses the effectiveness of current measures and the evolution of building codes designed to protect both residents and tourists. The paper also delves into the broader implications of these natural disasters on the tourism industry, including the challenges of maintaining tourist safety and the economic impact of seismic events on the sector. By synthesizing historical data, current practices, and future strategies, this paper provides valuable insights into Morocco's efforts to enhance its resilience to seismic risks. It underscores the importance of continued vigilance and adaptation in safeguarding Morocco’s tourism industry against the backdrop of a seismically active environment.   Keywords: Morocco, Tourism sector, Earthquakes, Economic impact, Disaster preparedness, Security measures. JEL Classification : L83, Z30. Paper type: Analytical Research

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NADI, Morad. "CSR in Moroccan family businesses: perspectives and representations of external experts." International Journal of Accounting, Finance, Auditing, Management and Economics, February 2, 2025. https://doi.org/10.5281/zenodo.14788135.

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Abstract: The article examines corporate social responsibility (CSR) in Moroccan family businesses, highlighting the motivations and challenges specific to this context. Although CSR is a widely explored topic internationally, in all organizational forms, family dynamics in Morocco and their impacts on responsible business behavior are still little studied. Using a qualitative methodology based on the analysis of CSR experts' representations of family businesses, the study reveals that these businesses are at an early stage of CSR adoption, influenced by stakeholder expectations, political relations, and the training and education of family members. The results of this study show the importance of specific support for these companies, in order to promote a deeper understanding and more effective adoption of CSR principles.   Keywords: CSR; Family businesses; Morocco; Expert representations JEL Classification : M14; L21 Paper Type : Empirical Research   Résumé : L'article examine la responsabilité sociétale des entreprises (RSE) au sein des entreprises familiales marocaines, en soulignant les motivations et les défis propres à ce contexte. Bien que la RSE soit un sujet largement exploré à l'international, dans toutes les formes organisationnelles, les dynamiques familiales au Maroc et leurs impacts sur le comportement responsable des entreprises sont encore peu étudiées. Grâce à une méthodologie qualitative fondée sur l'analyse des représentations des experts en RSE des entreprises familiales, l'étude révèle que ces entreprises en sont à un stade précoce d'adoption de la RSE, influencées par les attentes des parties prenantes, les relations politiques et la formation et l’éducation des membres de la famille. Les résultats de cette étude montrent l'importance d'un accompagnement particulier pour ces entreprises, afin de favoriser une compréhension plus approfondie et une adoption plus efficace des principes de la RSE.   Mots clés : RSE ; Entreprises familiales ; Maroc ; représentations des experts JEL Classification : M14 ; L21 Type du papier : Recherche empirique

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BELHAJ, Hajar, Said KAMMAS, and MERIOUH Youssef AL. "Management des risques des SI au Maroc : Entre ambition réglementaire et défis culturels - Une analyse critique de l'état des lieux." International Journal of Accounting, Finance, Auditing, Management and Economics, October 9, 2024. https://doi.org/10.5281/zenodo.13909392.

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Résumé : Cette étude dresse un état des lieux critique du management des risques des systèmes d'information (SI) au Maroc, en examinant l'interaction entre le cadre réglementaire, les normes nationales et les facteurs culturels et organisationnels. L'objectif est d'évaluer l'efficacité du dispositif actuel et d'identifier les défis spécifiques au contexte marocain. La méthodologie s'appuie sur une analyse documentaire approfondie des textes législatifs, des référentiels nationaux et des publications scientifiques, complétée par une analyse comparative avec les standards internationaux. Les résultats révèlent un cadre réglementaire ambitieux mais une adoption limitée des pratiques de gestion des risques SI, notamment dans les PME. L'étude met en lumière l'influence significative des facteurs culturels, tels que l’attitude vis-à-vis du risque et la résistance au changement, sur l'implémentation effective des stratégies de gestion des risques SI. Ces constats soulignent la nécessité d'adapter les approches de gestion des risques au contexte local et d'intensifier les efforts de sensibilisation et de formation pour améliorer la maturité du management des risques SI au Maroc.   Mots-clés : Management des risques SI, Cybersécurité au Maroc, Cadre réglementaire, Gouvernance des SI, Facteurs culturels Classification JEL : M15 ; G32 Type d'article : Recherche exploratoire   Abstract : This study critically assesses Information Systems (IS) risk management in Morocco, examining the interactions between the regulatory framework, national standards, and cultural and organizational factors. The objective is to evaluate the current system's effectiveness and identify challenges specific to the Moroccan context. The methodology relies on an in-depth documentary analysis of legislative texts, national guidelines, and scientific publications, complemented by a comparative analysis with international standards. The results reveal an ambitious regulatory framework but a limited adoption of IS risk management practices, particularly among SMEs. The study highlights the significant influence of cultural factors, such as attitude to risk and resistance to change, on implementing IS risk management strategies effectively. These findings underscore the need to adapt risk management approaches to the local context and intensify awareness and training efforts to improve the maturity of IS risk management in Morocco.   Keywords: IS Risk Management, Cybersecurity in Morocco, Regulatory Framework, IS Governance, Cultural Factors JEL Classification: M15; G32 Paper type: Exploratory Research

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LAARJ, Mohamed, Lotfi BENAZZOU, Rachid ZIKY, and Hicham BAHIDA. "Explanatory factors of the adoption of participatory banks by Moroccan clients: A qualitative study." International Journal of Accounting, Finance, Auditing, Management and Economics, March 18, 2025. https://doi.org/10.5281/zenodo.15042923.

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Abstract In an evolving economic context, participative banks are emerging as an ethical alternative to conventional banking services in Morocco. This study aims to explore the factors influencing the intention to adopt these institutions and examines the key determinants shaping this decision among Moroccan consumers. To achieve this, it integrates Ajzen's Theory of Planned Behavior and Rogers' Diffusion of Innovations model. Methodologically, a mixed-methods approach is employed, combining an extensive literature review with a qualitative study involving 12 potential Moroccan clients through semi-structured interviews. The findings highlight the significance of subjective social norms, perceived relative advantage, the complexity of Islamic financial products, and their cultural compatibility as key determinants of adoption intention. This research enhances understanding of the psychosocial and cultural factors influencing participative bank adoption in Morocco, offering strategic implications for the development of these institutions in the country.   Keywords: Participatory banking, Explanatory factors, Moroccan clients, Adoption, Lexical analysis. JEL classification : M30 Article type : Qualitative research    Résumé Dans un contexte économique en évolution, les banques participatives émergent comme une alternative éthique aux services bancaires conventionnels au Maroc. Cette étude vise à explorer les facteurs influençant l'intention d'adoption de ces institutions, répondant à la problématique de savoir quels facteurs clés influencent cette décision chez les consommateurs marocains. Pour ce faire, elle intègre la théorie du comportement planifié d'Ajzen and le modèle de diffusion de l'innovation de Rogers. Méthodologiquement, une approche mixte est adoptée, combinant une revue de la littérature approfondie avec une étude qualitative auprès de 12 clients potentiels marocains, menée à travers des entretiens semi-directifs. Les résultats mettent en évidence l'importance des normes sociales subjectives, de l'avantage relatif perçu, de la complexité des produits financiers islamiques, ainsi que de leur compatibilité culturelle comme déterminants clés de l'intention d'adoption. Cette recherche contribue à enrichir la compréhension des facteurs psychosociaux and culturels influençant l'adoption des banques participatives au Maroc, and offre des implications stratégiques pour le développement de ces institutions dans le pays.   Mots clés : Banque participative, Facteurs explicatifs, clients marocains, Adoption, analyse lexicale. Classification JEL : O30 Type de l’article : Recherche empirique

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Rhiati, Zakaria, and Souad Guelzim. "Digital transformation, what place for the Moroccan public administration?" International Journal of Accounting, Finance, Auditing, Management and Economics, March 31, 2023. https://doi.org/10.5281/zenodo.7786109.

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Nowadays, the concern for digitization has become omnipresent almost everywhere, including in the public administration which, until very recently, was not concerned by this new phenomenon that has very quickly taken the front of the international scene. The objective of this research work is to take stock of the Moroccan case by trying to determine at what stage the Moroccan public administration is in terms of digitization of services offered to citizens under the will, solemnly expressed, by the high authorities to see the Kingdom of Morocco endowed with a modern public administration capable of delivering quality services in accordance with the needs and aspirations of the citizens who have become more and more aware. To reach our goal, and after a theoretical exploration phase that focused on a review of the existing literature we chose to work with a qualitative approach using semi-directive interviews with a sample chosen to ensure a broad representation of the different social categories and whose analysis via the Nvivo20 software allowed us to identify the elements of response to our basic question by specifying that Morocco has the prerequisites for the success of such a project and that it is only a matter of time before the digitalized administration is a reality despite the different obstacles encountered and which are, among others, technical, sociological and deserve to be taken into consideration.   Keywords: Digital transformation, public administration, citizen, digital service, quality. JEL classification: H12. Paper type: Empirical research.

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NAIT, BELAID Youssef, Khalid DERKAOUI, and HADDOUCH Youssef AIT. "Comprehensive analysis of the impacts of COVID-19 on educational inequalities in rural Morocco and perspectives for public policies." International Journal of Accounting, Finance, Auditing, Management and Economics, July 9, 2024. https://doi.org/10.5281/zenodo.12694680.

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Abstract   Despite the implementation of significant educational reforms in Morocco in 1999, 2009, and 2015, there persists a notable disparity in school enrollment between boys and girls, public and private school students, and urban and rural residents. Consequently, educational inequalities have increased, particularly during and after the global pandemic. Consequently, the advent of the COVID-19 pandemic compelled Moroccan educational systems to adapt to novel circumstances swiftly, precipitating significant challenges about the right to education during periods of crisis. This article aims to analyze the educational losses and inequalities caused by the COVID-19 pandemic and the responses of governments, schools, and teachers, with a particular focus on rural Moroccan areas. To address this gap, this study also aims to propose actions to strengthen education in rural areas, as a common good and a bulwark against inequalities. A quantitative and qualitative survey conducted in rural areas of Morocco revealed that the COVID-19 pandemic has exacerbated existing educational inequalities in these areas. The limited access to technology, the school closures, and the socio-economic disparities were significant factors that affected the educational outcomes. Together, the discourses and practices of teachers and principals demonstrate the intricacy of managing education during and in the aftermath of a pandemic. This illuminates both the difficulties inherent in reform and the necessity of learning from crises.   Keywords: Inequalities, education, pandemic, rural, public policy, dropout. JEL Classification: I24 Paper type: Empirical research.

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BOUZEROUATA, Ali, and MENYARI Younesse EL. "L'impact de l'intelligence artificielle sur les exportations manufacturières au Maroc : Une étude basée sur le modèle de gravité." International Journal of Accounting, Finance, Auditing, Management and Economics, December 6, 2024. https://doi.org/10.5281/zenodo.14289303.

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Résumé : Le présent article étudie l'impact de l'intelligence artificielle sur les exportations manufacturières marocaines. À cet effet, l'intelligence artificielle a été matérialisée par la traduction automatique neuronale. L'approche méthodologique a été basée sur le modèle de gravité notamment en adoptant l'estimation de l'estimateur de Poisson Pseudo-Maximum de Vraisemblance sur des données de panel composées de 20 partenaires commerciaux majeurs du Maroc pour la période allant de 2011 à 2023. Les résultats soulignent que les exportations manufacturières marocaines sont positivement et significativement affectées par la traduction automatique neuronale et le PIB des pays partenaires, cependant la distance toutes choses égales par ailleurs a un impact négatif sur les exportations manufacturières marocaines.   Mots clés : Intelligence artificielle, traduction automatique neuronale, modèle de gravité, exportations manufacturières. JEL Classification : F76 Type du papier : Recherche empirique     Abstract: The present article investigates the impact of artificial intelligence on Moroccan’s manufacturing exports. For this purpose, artificial intelligence was materialized by neural machine translation. The methodological approach was based on the gravity model namely by adopting estimation of the Poisson Pseudo-Maximum Likelihood estimator on a panel data composed of 20 major trading partners of Morocco for the period between 2011and 2023. The results highlight that Moroccan manufacturing exports are positively and significantly affected by neural machine translation and GDP partners, however distance all other things being equal has negative impact on Moroccan manufacturing exports.   Keywords: Artificial intelligence, neural machine translation, Gravity model, manufacturing exports. Classification JEL : F76 Paper type: Empirical Research

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Firdaous, BELMOUSS, EL OUAZZANI Yahia, and MAFAMANE Driss. "Effectiveness of the asset price channel as a transmission mechanism for monetary policy in Morocco: Evidence from a VAR analysis." June 28, 2023. https://doi.org/10.5281/zenodo.8091202.

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The stock market has a crucial role in modern economies, serving as a means to diversify domestic sources of funds and provide avenues for productive investments.  The presence of a meaningful correlation between macroeconomic variables and the stock market is crucial for the stock market to fulfill this role effectively. Various theoretical and empirical models have been used to analyze the relationship between monetary policy and stock prices. The results of these models provide evidence that monetary policy can affect stock prices, and vice versa. The objective of this paper is to study and analyze the relationship between the stock market (MASI) and monetary policy in Morocco, through a vector autoregression (VAR) model covering the period 2007Q1- 2017Q4. By analyzing the various empirical studies on the effect of monetary policy on the stock market via the stock price channel, we found that the stock price channel in Morocco is not operational. The results of our VAR model confirmed this finding. We found that during the studied period, there was no significant relationship between monetary policy and the Moroccan stock market. These results proved the existence of a dysfunction in the transmission mechanism of stock prices in Morocco, which invalidates our central hypothesis that there is interdependence between the Central Bank and the stock market. Furthermore, due to the lack of long and sufficient statistical data series, especially the Real Estate Asset Price Index (REAPI), these contributions that we were unable to make will further enhance our work.   Keywords: Transmission mechanism of monetary policy, stock price channel, VAR, impulse response function, cointegration JEL Classification : E4, E5, G15 Paper type: Empirical research

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ASSAAD, IDRISSI Maha, Yousra OUDDA, and OMAR TAOUAB. "The contribution of management control to organizational performance: a literature review." International Journal of Accounting, Finance, Auditing, Management and Economics, March 31, 2024. https://doi.org/10.5281/zenodo.10901094.

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Since it first appeared in American companies in the 1920s, the management control system has continued to develop, moving from a traditional model focused on financial management to a new model focused primarily on performance management. In this context, this contribution aims firstly to analyze the evolution of the concept of management control systems in the scientific literature, and secondly, to identify its impact on organizational performance by mobilizing the theories and scientific work carried out on the subject. This research presents an important interest because it is in line with the work of other researchers in the field of management control.   Keywords: Management control; Organisational performance, modern management control tools. Classification JEL:  M4, M49 Paper type: Theoretical Research       Maha ASSAAD IDRISSI, (Phd student) National School of Commerce and Management Ibn Tofail University of Kenitra, Morocco Yousra OUDDA, (Phd student) National School of Commerce and Management Ibn Tofail University of Kenitra, Morocco OMAR TAOUAB, (Professor) National School of Commerce and Management Ibn Tofail University of Kenitra, Morocco

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Alloul, Fouzia, and El Mehdi Ferrouhi. "Effect of Weather on Sectoral Stock Indices Returns and Volatilities: Evidence from the Moroccan Stock Market." Global Journal of Emerging Market Economies, March 1, 2025. https://doi.org/10.1177/09749101251320514.

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This study examines the influence of eight key weather factors, including atmospheric pressure (ATPRS), clear sky (CLSKY), precipitation (PRECP), relative and specific humidity (RHUMD and SHUMD, respectively), as well as temperature (TEMPR), wind direction and speed (WNDR and WNSP, respectively), on the returns and volatilities of the seven Moroccan sectors most sensitive to the weather (Agri-food/Production, Beverages, Distributors, Electricity, Leisure and Hotels, Oil and Gas, and Transport) from January 4, 1993, to October 30, 2022. The objective was to analyze how weather affects the fluctuations of sectoral stock indices and assess sectoral vulnerability. Utilizing daily frequency weather and stock market data and implementing a GJR-GARCH (1,1) model combined with an autoregressive (AR) process, the results demonstrate that all sectors are influenced by weather, particularly the Agri-food/Production and Beverages sectors. These insights are vital for the stakeholders in Morocco. Investors can make informed decisions, policymakers can create targeted support policies, and businesses can develop risk management strategies to handle weather-related challenges, ensuring economic stability and competitiveness. JEL Classification G10, G41

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GOUMGHAR, Said, Fatima OUAHRAOUI, and Majda FIKRI. "L'accompagnement entrepreneurial au Maroc : Une revue théorique sur son histoire." International Journal of Accounting, Finance, Auditing, Management and Economics, August 15, 2024. https://doi.org/10.5281/zenodo.13328654.

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Résumé Cet article expose une revue théorique de l’évolution de l’accompagnement entrepreneurial au Maroc en posant la question centrale : comment cette pratique, ciblant principalement les jeunes entrepreneurs marocains, a-t-elle évolué depuis les années soixante-dix jusqu’à aujourd'hui ? Nous utilisons une revue de littérature narrative pour mener cette recherche, analysant en profondeur les travaux de recherches relatifs à ce sujet. Nous commençons en définissant le concept d’accompagnement entrepreneurial et en examinant sa sémantique pour en saisir toute la portée. Ensuite, nous retraçons l’émergence et le développement de cette pratique dans un contexte global, avant de nous concentrer spécifiquement sur le contexte marocain. Cela nous permet d'évaluer le niveau de développement de chaque phase de ce phénomène au Maroc. Les résultats révèlent une progression constante et variée des programmes de financement et de soutien, ainsi que des expériences antérieures à l’échelle nationale. En ce qui concerne les conclusions théoriques, mettent en évidence l’importance des initiatives d’accompagnement pour le développement entrepreneurial au Maroc. Cependant, certaines limites théoriques persistent, principalement en raison du manque de ressources documentaires et de données empiriques complètes. Malgré ces limitations, cette étude offre une perspective globale sur les différentes phases de l’émergence et du développement de l’accompagnement entrepreneurial au Maroc, apportant ainsi une contribution précieuse à la compréhension de ce phénomène.   Mots clés : Entrepreneuriat ; Accompagnement ; entrepreneurs ; programme de financement. Classification JEL :  L26, Type de l’article : article théorique.   Abstract This article present a theoretical review of the evolution of entrepreneurial support in Morocco, focusing on the central question: how has this practice, primarily targeting young Moroccan entrepreneurs, developed from 1972 to the present day? We employ a narrative literature review to conduct this research, thoroughly analyzing historical documents related to the topic. We begin by defining the concept of entrepreneurial support and examining its semantics to fully understand its scope. Next, we trace the emergence and development of this practice in a global context before focusing specifically on the Moroccan context. This approach allows us to evaluate the developmental stages of this phenomenon in Morocco. The results reveal a steady and diverse progression of funding and support programs, as well as previous experiences at the national level. The theoretical conclusions highlight the importance of support initiatives for entrepreneurial development in Morocco. However, certain theoretical limitations persist, primarily due to the lack of comprehensive documentary resources and empirical data. Despite these limitations, this study provides a comprehensive perspective on the various phases of the emergence and development of entrepreneurial support in Morocco, thereby contributing valuable insights to the understanding of this phenomenon.   Keywords: Entrepreneurship; support; entrepreneurs; funding programs. JEL Classification: L26 Paper type: Theoretical Research

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KASSIMI, Ouadih, and Ghizlane SALAM. "Gouvernance des données dans l'administration publique marocaine : Défis et perspectives." International Journal of Accounting, Finance, Auditing, Management and Economics, December 31, 2024. https://doi.org/10.5281/zenodo.14583064.

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Résumé  Cet article explore l'évolution de la gouvernance des données au sein de l'administration publique marocaine, en analysant les objectifs stratégiques définis dans le cadre de l'initiative "Digital Morocco 2030". En adoptant le modèle de gouvernance des données proposé par l'OCDE, l’étude procède à une analyse détaillée des progrès réalisés par le Maroc dans l’implémentation de mécanismes de gouvernance des données à travers trois niveaux critiques : stratégique, tactique et opérationnel. L'étude repose sur une méthodologie documentaire rigoureuse, combinant l'analyse des rapports institutionnels et des cadres législatifs marocains avec le modèle de gouvernance des données de l'OCDE. Le modèle stratégique examine les politiques nationales visant à intégrer les données dans les processus de décision, tandis que le niveau tactique s'intéresse aux capacités institutionnelles et réglementaires nécessaires à une gestion efficace. Enfin, le niveau pratique porte sur les infrastructures et la technologie qui soutiennent l’usage des données dans les services publics. Des avancées notables sont observées, notamment dans la numérisation des services publics et le développement d’infrastructures techniques modernes. Cependant, plusieurs défis persistent, parmi lesquels l'absence d'une stratégie nationale unifiée pour la gouvernance des données, la fragmentation institutionnelle qui freine la cohésion des initiatives, des lacunes réglementaires, et un manque de coordination interinstitutionnelle. Ces obstacles compromettent l'efficacité des politiques de gouvernance des données et limitent la capacité du Maroc à exploiter pleinement le potentiel des données pour l’amélioration des services publics et la prise de décision. À la lumière de ces défis, l'article propose plusieurs recommandations pour améliorer les pratiques de gouvernance des données au Maroc. Ces recommandations incluent la promotion d’une culture décisionnelle basée sur les données, le renforcement des cadres réglementaires, et la modernisation des infrastructures techniques. Ces mesures visent à permettre une transformation numérique durable et à renforcer la position du Maroc en tant que leader régional en matière de gouvernance numérique.   Mots clés : Gouvernance des données, Digital Morocco 2030, Administration publique, Modèle OCDE Classification JEL : H83, O3 Type de l’article : Recherche appliquée     Abstract This article explores the evolution of data governance within Morocco's public administration by analyzing the strategic objectives set forth in the "Digital Morocco 2030" initiative. Adopting the OECD's data governance model, the study provides a detailed analysis of Morocco's progress in implementing data governance mechanisms across three critical levels: strategic, tactical, and operational. The study is based on a rigorous documentary methodology, combining the analysis of institutional reports and Moroccan legislative frameworks with the OECD data governance model. The strategic model examines national policies aimed at integrating data into decision-making processes, while the tactical level focuses on the institutional and regulatory capacities essential for effective management. Finally, the operational level addresses the infrastructure and technology supporting data usage within public services. Significant advances are observed, particularly in the digitization of public services and the development of modern technical infrastructures. However, several challenges remain, including the absence of a unified national data governance strategy, institutional fragmentation hindering initiative cohesion, regulatory gaps, and a lack of inter-institutional coordination. These obstacles undermine the effectiveness of data governance policies and limit Morocco's ability to fully leverage data to improve public services and decision-making processes. In light of these challenges, the article offers several recommendations to improve data governance practices in Morocco. These recommendations include promoting a data-driven decision-making culture, strengthening regulatory frameworks, and modernizing technical infrastructures. These measures aim to support a sustainable digital transformation and bolster Morocco's position as a regional leader in digital governance.   Keywords: Data governance, Digital Morocco 2030, Public Administration, OECD Model JEL Classification: H83, O3 Paper type: Empirical Research

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JAMAL, Youssef, and Doha WARIT. "Impact de la mise en place d'une stratégie RSE sur la satisfaction des clients externes du secteur automobile au Maroc : Résultats de l'étude de contextualisation." International Journal of Accounting, Finance, Auditing, Management and Economics, January 21, 2024. https://doi.org/10.5281/zenodo.10547317.

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Résumé : Cet article s'inscrit dans le cadre du débat sur l'impact de la RSE sur la satisfaction des clients externes, dans le cadre spécifique des entreprises automobiles au Maroc. La problématique abordée est reliée à l’étude de cette relation en guise de réponse à la question principale suivante : Dans quelle mesure la stratégie RSE impacte-t-elle la satisfaction des clients des entreprises du secteur automobile au Maroc ? Pour ce faire, nous allons commencer par présenter notre modèle conceptuel comme base théorique, suivi des principaux résultats de notre étude de contextualisation basée sur des entretiens semi-directifs menés auprès d’experts RSE au Maroc. Enfin, nous présentons les résultats clés émanant de cette phase exploratoire, offrant ainsi un aperçu des dynamiques sous-jacentes affirmant l’existence d’un lien positif direct entre la RSE et la satisfaction des clients.   Mots clés : RSE, Impact de la RSE, Satisfaction des clients, Secteur automobile, Etude de contextualisation. JEL Classification : M14  Type du papier : Recherche empirique     Abstract: This article is part of the debate on the impact of CSR on the satisfaction of customers, in the specific context of Moroccan automotive companies. The problem addressed is linked to the study of this relationship as a response to the following main question: To what extent does the CSR strategy impact the satisfaction of customers of companies in the automotive sector in Morocco? For that, we will start by presenting our conceptual model as a theoretical basis, followed by the main results of our contextualization study based on semi-structured interviews conducted with CSR experts in Morocco. Finally, we present the key results emanating from this exploratory phase, thus offering an overview of the underlying dynamics affirming the existence of a direct positive link between CSR and customer satisfaction.   Keywords: CSR, CSR impact, Customer Satisfaction, Automotive sector, Contextualization study. Classification JEL : M14 Paper type: Empirical Research

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Lamyae, KHATTABI, and ELMALLOUKI Lhoussain. "Les Facteurs de succès des start-ups au sein de l'écosystème entrepreneurial au Maroc." International Journal of Accounting, Finance, Auditing, Management and Economics, August 26, 2023. https://doi.org/10.5281/zenodo.8286629.

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Résumé L’objectif de notre étude est de repérer les principaux facteurs de réussite des strat-ups au sein de l’écosystème entrepreneurial au Maroc. Ceci à travers des entretiens semi-directifs avec 5 entrepreneurs possédant des start-ups au Maroc dans des secteurs diversifiés. En faisant un rappel conceptuel et théorique sur les principaux déterminants de la réussite de ces entreprises. Pour ce faire, une méthodologie qualitative basée sur une analyse verticale et horizontale a été adoptée. Les résultats de notre étude ont montré que l'existence d'un capital humain compétent et motivée, la liquidité financière abondante, le facteur d'innovation à travers les mécanismes de recherche et développement, enfin le déterminant stratégique qui s'incarne dans la prise de décision efficiente, une bonne gestion des risques ainsi qu'une communication efficace constituent les principaux déterminants de la réussite des start-ups au Maroc.   Mots clés : Entrepreneuriat, Théories de l'entrepreneuriat, Start-up, Facteurs de succès. Classification JEL : L2, L26. Type de l’article : Recherche appliquée.     Abtsract The aim of our study is to identify the main success factors for strat-ups in Morocco's entrepreneurial ecosystem. We did this through semi-directive interviews with 5 entrepreneurs who own start-ups in Morocco in various sectors. By providing a conceptual and theoretical overview of the main determinants of the success of these companies. To this end, a qualitative methodology based on vertical and horizontal analysis was adopted. The results of our study showed that the existence of competent and motivated human capital, abundant financial liquidity, the innovation factor through research and development mechanisms, and the strategic determinant embodied in efficient decision-making, good risk management and effective communication are the main determinants of start-up success in Morocco.   Keywords: Entrepreneurship, Theories of entrepreneurship, Start-up, Success factors. JEL Classification: L2, L26. Paper type: Empirical research.

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Mohamed, EL ADIB, and Achraf NAFZAOUI Mohamed. "Analysis of the determinants of digital technology adoption in Moroccan audit firms: development of an explanatory conceptual model." International Journal of Accounting, Finance, Auditing, Management and Economics, August 19, 2023. https://doi.org/10.5281/zenodo.8264705.

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The exponential evolution of technology has brought about many changes in the way businesses operate, including audit firms. Digitalization, once considered an optional choice, has become a major strategic issue. Thus, thanks to the traditional literature review approach, this study examines the theoretical foundations and conceptual frameworks around technology adoption. Indeed, this article presents a preliminary conceptual model to the context of audit firms in Morocco, based on the theoretical model of UTAUT (Venkatesh et al., 2003) and a thorough theoretical model. The objective is to identify the determinants of the adoption and use of digitalization in these firms. Aspects such as the removal of paper, the use of computer equipment and the accelerated exchange of data are among the new technologies that influence these firms. Understanding the factors that motivate these firms to adopt digitalization is still unknown. This conceptual model aims to provide information on the different determinants of digitalization in audit firms in Morocco, by providing an overview of the key elements necessary for its effective implementation and use.   Keywords: Digitalization; Adoption of new technology; Digital transformation; UTAUT; Audit firm. JEL Classification: M10, M42, Paper type: Theoretical Research

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Hind, SBAI, AL BAKALI Souad, and AZOUAOUI Hassan. "The Impact of Political Marketing Communication via Facebook on Youth Political Participation in Morocco." May 31, 2023. https://doi.org/10.5281/zenodo.7977523.

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Between proponents and detractors of the existence of a positive impact of marketing communication via social networks on youth political participation, the theory of connective action (Bennett and Iyengar, 2008) as well as the theory of attitudes (Fishbein and Ajzen, 2011) stipulate the existence of a positive impact on political participation behavior especially through digital social networks. Our objective is to put these theoretical contributions to the test in the Moroccan context. On the one hand, it is to analyze the perception of Moroccan political actors in relation to the political attitudes of youth. On the other hand, this research consists of evaluating the impact of marketing communication in the era of social networks on the political participation of Moroccan youth. In other words, has this communication campaign acted in favor of a positive change in the political attitudes of young people towards more political participation? This exploratory qualitative study is conducted with young political actors and marketing communication professionals in Morocco. Conducted over a two-month period during the last election campaign in September 2021, the 12 semi-structured interviews were subject to thematic analysis via NVivo 12. This study suggests the existence of a positive impact of marketing communication via social networks, particularly Facebook, on the political attitudes of young people in Morocco and consequently on their political participation. However, this political participation remains limited to online political participation.  In fact, marketing communication via social networks is a necessary but not sufficient condition to encourage and stimulate offline political participation behavior, particularly membership and effective engagement in political parties and voting. In fact, these participatory activities are considered highly engaging. Hence, permanent and interactive marketing communications are important. These results must be the subject of a confirmatory quantitative study in order to promote their generalization.     Key words: Political marketing, marketing communication, social networks and political participation. JEL Classification : M3, M31, M37 Paper type: Empirical research

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GHAFIR, Hajar, and Abdelkader ELKHIDER. "Libre-échange Versus Libre accès : Focus sur les exportations marocaines." International Journal of Accounting, Finance, Auditing, Management and Economics, May 8, 2024. https://doi.org/10.5281/zenodo.11154542.

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Résumé Le débat entre le libre-échange et le libre accès dans le contexte des exportations marocaines soulève des questions cruciales. Alors que le libre-échange favorise la croissance économique grâce à la suppression des barrières commerciales, le libre accès met l'accent sur la disponibilité générale des ressources. Dans le cas du Maroc, cette dichotomie prend une dimension particulière en raison de l'importance de ses divers secteurs. Les partisans du libre-échange mettent en avant la compétitivité accrue sur les marchés internationaux, tandis que les défenseurs du libre accès soulignent l'importance de garantir l'accès aux produits locaux pour tous. En examinant de près ces deux approches, il devient essentiel de trouver un équilibre qui favorise à la fois le développement économique et l’autosuffisance nationale. Le Maroc a établi des accords de libre-échange (ALE) stratégiques avec plusieurs partenaires mondiaux, tels que l'Union européenne, les États-Unis, la Turquie, et des pays de la région MENA. Ces accords visent à promouvoir la libre circulation des biens et des services, favorisant ainsi la croissance économique en ouvrant de nouveaux débouchés commerciaux. Grâce à ces partenariats, le Maroc a diversifié ses marchés d'exportation, renforçant sa position dans l'économie mondiale et stimulant des secteurs clés tels que l'agriculture, l'industrie et les services. Pour analyser l’impact de ces ALE sur le libre accès des exportations marocaines, on va procéder à une vérification empirique par un modèle gravitaire pour pouvoir comprendre l’impact de ces accords sur l’offre exportable marocaine.   Mots clés : Libre-échange, Libre accès, Exportations, Accords de libre-échange, modèle gravitaire. Classification JEL :  F10, F13, F14, F50, O13, O24. Type de l’article : article empirique.   Abstract The debate between free trade and open access in the context of Moroccan exports raises crucial questions. While free trade promotes economic growth by eliminating trade barriers, open access emphasizes the overall availability of resources. In the case of Morocco, this dichotomy takes on a particular dimension due to the significance of its diverse sectors. Advocates for free trade highlight increased competitiveness in international markets, while proponents of open access emphasize the importance of ensuring access to local products for everyone. Examining these two approaches closely, it becomes essential to find a balance that promotes both economic development and national self-sufficiency. Morocco has established strategic free trade agreements (FTAs) with several global partners, including the European Union, the United States, Turkey, and countries in the MENA region. These agreements aim to promote the free movement of goods and services, fostering economic growth by opening new trade opportunities. Through these partnerships, Morocco has diversified its export markets, strengthening its position in the global economy and boosting key sectors such as agriculture, industry, and services. To analyze the impact of these FTAs on the open access of Moroccan exports, we will conduct an empirical verification using a gravity model to understand the influence of these agreements on Morocco's exportable supply.   Keywords : Free Trade, Open access, Exports, Free trade agreement, Gravity model. JEL Classification : F10, F13, F14, F50, O13, O24. Paper type : Empirical Research

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ID, MACHICHE Maryem, and Mohamed ADASKOU. "L'impact de la COVID-19 sur l'emploi au Maroc : une régression logistique sur un échantillon de WBES 2020." International Journal of Accounting, Finance, Auditing, Management and Economics, April 22, 2024. https://doi.org/10.5281/zenodo.11043285.

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Résumé : La crise sanitaire de la Covid-19 a eu un impact considérable sur le paysage économique marocain, entraînant la suspension temporaire ou définitive d'activités pour près de la moitié des entreprises. Cet article se concentre spécifiquement sur l'incidence de cette crise sur l'emploi au sein des petites et moyennes entreprises (PME) au Maroc, mettant en avant le rôle crucial de ces entités dans la création d'emploi. L'analyse repose sur les données d'une enquête réalisée par la Banque Mondiale, impliquant un échantillon représentatif de 659 entreprises au Maroc. En utilisant la méthode de la régression logistique, nous évaluons les relations entre différentes variables et leur impact sur l'emploi au sein de ces entreprises. Les résultats de l'étude révèlent l'existence d'une relation significative entre l'augmentation du niveau de production et l'évolution de l'effectif employé. L’ajustement du niveau de production augmente la probabilité de la baisse du nombre des employés.   Mots clés: Banque mondiale, Covid-19, Emploi, PME, Régression logistique. JEL classification: J0, J21, J23 Paper type: Empirical research   Abstract: The Covid-19 health crisis has had a considerable impact on the Moroccan economic landscape, leading to the temporary or permanent suspension of activities for almost half of all companies. This article focuses specifically on the impact of this crisis on employment within small and medium-sized enterprises (SMEs) in Morocco, highlighting the crucial role of these entities in job creation. The analysis is based on data from a survey carried out by the World Bank, involving a representative sample of 659 companies in Morocco. Using the logistic regression method, we assess the relationships between different variables and their impact on employment within these companies. The results of the study reveal, in particular, the existence of a significant relationship between an increase in the level of production and changes in the number of employees. Adjusting the production level increases the probability of a decrease in the number of employees in the company.   Keywords: Covid-19, Employment, SMEs, Logistic regression, World Bank JEL classification : J0, J21, J23 Type de papier : Recherche appliquée

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CHOUIEKH, Nihal, and Mohammed BELBACHIR. "Blockchain : alternative technologique dans le Secteur de la Santé au Maroc." International Journal of Accounting, Finance, Auditing, Management and Economics, April 13, 2025. https://doi.org/10.5281/zenodo.15206577.

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Résumé Notre papier vise à mettre en valeur l’impact de la confiance, de l’utilité perçue et la facilité d’utilisation sur l’utilisation de la blockchain dans le processus de suivi médical des malades dans les cliniques au Maroc. À cet égard, afin de bien approfondir l’étude sur ce thème, nous avons opté pour un raisonnement hypothético déductif, et en administrant un questionnaire auprès de 160 responsables dans le domaine de la santé. Les données recueillies ont été analysées par le biais de SPSS et Smart-PLS. Les résultats des corrélations ont approuvé l’impact de l’utilité perçue sur l’intention de recourir à la blockchain, cependant la facilité d’utilisation et la confiance ne constituent pas des facteurs déterminants dans la propension des managers vers l’utilisation de la blockchain dans le secteur sanitaire au Maroc. En outre, après une présentation d’une récapitulation de la méthode suivie, la détermination des limites présente un atout considérable à saisir par les chercheurs afin d’approfondir les futurs travaux académiques.   Mots clés : Blockchain ; secteur sanitaire ; Sécurité ; Equation structurelle ; Maroc Classification JEL :  F65 Type de l’article : Recherche appliquée   Abstract Our paper aims to highlight the impact of trust, perceived usefulness and ease of use on the use of blockchain in the medical monitoring process of patients in clinics in Morocco. In this regard, in order to further explore this topic, we opted for hypothetical-deductive reasoning and administered a questionnaire to 160 healthcare managers. The collected data were analyzed using SPSS and Smart-PLS. The correlation results confirmed the impact of perceived usefulness on the intention to use blockchain; however, ease of use and trust were not determining factors in managers propensity to use blockchain in the Moroccan healthcare sector. Furthermore, after presenting a summary of the method used, the identification of limitations presents a considerable advantage for researchers to leverage in order to further their future academic work.   Keywords: Blockchain; healthcare; safety; Structural equation; Morocco Classification JEL:  F65 Paper Type: Applied Research

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OUBAITA, Fatima, and Hafid BARKA. "Utilisation des modèles de chaînes de Markov pour la prévision des crises financières au Maroc." International Journal of Accounting, Finance, Auditing, Management and Economics, December 30, 2024. https://doi.org/10.5281/zenodo.14579285.

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Résumé : Cet article présente une méthode innovante pour prévoir les crises financières au Maroc, couvrant la période de 1980 à 2023 à travers l'utilisation de modèles de chaînes de Markov. L'analyse se concentre sur l'évolution trimestrielle du PIB marocain, identifiant les phases de ralentissement et de reprise économique. Les résultats démontrent la capacité de résilience de l'économie marocaine face à diverses perturbations économiques, tout en maintenant une croissance globalement stable. Pour améliorer la précision de ces modèles. L'article recommande l'adoption de politiques économiques flexibles permettant une réaction rapide aux fluctuations économiques et un suivi régulier des indicateurs économiques pour anticiper et gérer efficacement les crises futures. Enfin, l'utilisation de techniques d'apprentissage automatique est suggérée pour affiner les prédictions et améliorer la gestion des risques financiers.   Mots clés : Modèles de chaînes de Markov, crises financières, PIB, apprentissage automatique JEL Classification : E6, B4 Type du papier : Recherche empirique     Abstract: This article presents an innovative method for forecasting financial crises in Morocco, covering the period from 1980 to 2023 through the use of Markov chain models. The analysis focuses on the quarterly evolution of Moroccan GDP, identifying phases of economic slowdown and recovery. The results demonstrate the resilience of the Moroccan economy to various economic disturbances while maintaining generally stable growth. To improve the accuracy of these models, it is proposed to integrate additional economic and political data. The article recommends the adoption of flexible economic policies that allow for a quick response to economic fluctuations and regular monitoring of economic indicators to anticipate and effectively manage future crises. Finally, the use of machine learning techniques is suggested to refine predictions and enhance financial risk management.   Keywords: Markov chain models, Financial crises, GDP, Machine learning Classification JEL: E6, B4 Paper type: Empirical Research

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Youssef, GANOUNE, BOURRICHE Ahmed, and AIT HEDA Abdellatif. "E-commerce adoption by local cooperatives in Morocco based on Technology Acceptance Model." June 10, 2023. https://doi.org/10.5281/zenodo.8023525.

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E-commerce has become an increasingly popular form of consumption, with many factors influencing consumer acceptance. The paper is a systematic literature review to explore the adoption of e-commerce by local cooperatives in Morocco and to identify the factors that influence this adoption process based on the technology acceptance model (TAM) which is often used to study e-commerce adoption, focusing on his two key factors: Recognized technology usefulness, Ease of use of perceived technology. Research also shows that external factors such as social pressure and resource availability can influence e-commerce adoption. We conducted extensive searches in electronic databases such as Scopus, Web of Science, and Google Scholar using a predefined set of keywords. We included qualitative and quantitative studies published between 2015 and 2022. The findings of this review indicate that the adoption of e-commerce by local cooperatives in Morocco is influenced by several factors, including perceived usefulness, perceived ease of use, perceived trust, perceived risk, and social influence. Moreover, the results suggest that the majority of local cooperatives in Morocco are still in the early stages of e-commerce adoption, and face significant challenges related to infrastructure, internet connectivity, and lack of technical skills. The practical implications of this study are significant, as it provides valuable insights for local cooperatives in Morocco to develop and implement effective e-commerce strategies. Specifically, our findings suggest that local cooperatives need to invest in improving their technological infrastructure, enhancing trust and security measures, and providing training and support to their members to increase their technical skills and knowledge.   Keywords: E-commerce, Local cooperatives, local Product, Technology Acceptance Model JEL Classification: M31 Paper type: Theoretical Research

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KOROSS, Mohsine, and Badr ABOUZAID. "ISO 9001:2015 in Moroccan Context: A Global Comparative Study, Considering Development Scores, Crises, and Economic Cycles." International Journal of Accounting, Finance, Auditing, Management and Economics, April 10, 2024. https://doi.org/10.5281/zenodo.10939305.

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Abstract: In Morocco, certification ISO 9001;2015 is in high demand, so it is interesting to understand how different countries use these quality management systems to promote their success. From this perspective, a data survey was carried out regarding the number of companies certified by ISO 9001:2015 in Morocco and several countries, split into three groups according to their Gross Domestic Product (GDP) and Human Development Index (HDI). The first group consists of countries scoring some of the highest values in terms of GDP and HDI (respectively Switzerland, Germany, and Bulgaria); the second one consists of countries with low scores in their GDP and HDI (Ethiopia and Nigeria); and the third group lists countries with fair scores in both indexes (Morocco and Honduras). This comparative study may investigate how the level of development in Morocco and other countries influences the implementation and outcomes of ISO 9001:2015. Conclusions might address whether organizations in more developed regions exhibit better adherence to quality standards and whether these standards contribute differently to development across various regions. Keywords: Quality Management Systems, certification, ISO 9001V 2015, HDI, GDP. Classification JEL: L15 Paper type: Comparative Theoretical Study   Mohsine KOROSS, (Doctorant) Laboratoire, Gouvernance et Performance des Organisations Équipe de recherche : innovation et performance ERIP École Nationale de Commerce et de Gestion de Tanger (ENCGT) Université Abdelmalek Essaâdi, Maroc   Badr ABOUZAID (Enseignant Chercheur) Laboratoire, Gouvernance et Performance des Organisations Équipe de recherche : innovation et performance ERIP École Nationale de Commerce et de Gestion de Tanger (ENCGT) Université Abdelmalek Essaâdi, Maroc

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EL, HANDAOUI Mohamed. "La confiance des consommateurs et son rôle dans l'adoption de la banque électronique au Maroc." International Journal of Accounting, Finance, Auditing, Management and Economics, February 15, 2025. https://doi.org/10.5281/zenodo.14873409.

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Résumé : Cet article examine les facteurs influençant l'adoption des services bancaires électroniques au Maroc, en mettant particulièrement l'accent sur le rôle de la confiance des consommateurs. Malgré des avancées technologiques significatives et des efforts de modernisation du secteur financier, le taux d’adoption des services bancaires électroniques au Maroc demeure faible par rapport aux standards mondiaux. Cet article consiste en une revue traditionnelle de la littérature, analysant comment l’utilité perçue, la facilité d’utilisation et les risques perçus influencent la confiance des consommateurs et, par conséquent, leurs décisions d’adoption. Les résultats révèlent que la confiance des consommateurs constitue un déterminant clé de l’adoption des services bancaires électroniques. Des facteurs culturels propres au Maroc, tels qu’une forte distance hiérarchique et une aversion élevée à l’incertitude, affectent significativement la disposition des consommateurs à adopter ces services. De plus, des limitations infrastructurelles, notamment une pénétration limitée d’Internet dans les zones rurales, ainsi que des défis réglementaires, constituent des obstacles majeurs. L’étude souligne l’importance de mettre en place des mesures de sécurité robustes et de favoriser une communication transparente afin de réduire les risques perçus et d’accroître la confiance des consommateurs. Elle suggère qu’une approche globale, prenant en compte les dimensions technologiques, culturelles, infrastructurelles et réglementaires, est essentielle pour créer un environnement favorable à l’adoption généralisée des services bancaires électroniques au Maroc. La discussion met en évidence la nécessité d’adapter les stratégies aux spécificités culturelles et socio-économiques des consommateurs marocains. Il est recommandé que de futures recherches développent des interventions spécifiques visant à renforcer la confiance et à faciliter une adoption plus large des services bancaires électroniques sur le marché marocain.   Mots clés : Banque électronique ; confiance des consommateurs ; obstacles à l’adoption ; facteurs culturels ; technologie financière au Maroc JEL Classification : G21, D12, O33, Z10, G23 Type du papier : Recherche Théorique     Abstract: This article examines the factors influencing the adoption of electronic banking services in Morocco, with a particular focus on the role of consumer trust. Despite significant technological advancements and efforts to modernize the financial sector, Morocco's adoption rate of electronic banking services remains low compared to global standards. This article consists of a traditional review of the literature, analyzing how perceived usefulness, ease of use, and perceived risks shape consumer trust and, consequently, adoption decisions. The findings reveal that consumer trust is a critical determinant of electronic banking adoption. Cultural factors unique to Morocco, such as high-power distance and uncertainty avoidance, significantly affect consumers’ readiness to embrace these services. Additionally, infrastructural limitations, including limited internet penetration in rural areas, and regulatory challenges pose substantial barriers. The study underscores the importance of implementing robust security measures and engaging in transparent communication to mitigate perceived risks and enhance consumer confidence. It suggests that a holistic approach addressing technological, cultural, infrastructural, and regulatory factors is vital for fostering an environment conducive to the widespread adoption of electronic banking in Morocco. The discussion highlights the necessity of tailoring strategies to align with the cultural and socio-economic context of Moroccan consumers. Future research is recommended to develop specific interventions that build trust and facilitate broader acceptance of electronic banking services in the Moroccan market.   Key words: Electronic Banking; Consumer Trust; Adoption Barriers; Cultural Factors; Financial Technology in Morocco. JEL classifications : G21, D12, O33, Z10, G23 Paper type : Theoretical Research

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Journal articles on the topic 'Morocco JEL Classification'

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