Morocco’s public financial institution, Tamwilcom, has officially launched its 2026-2030 strategic plan, “Jossour 2030.” The ambitious five-year strategy aims to mobilize MAD 300 billion ($30 billion) in total financing to significantly scale support for the country’s enterprises and entrepreneurs.
Quick Facts
- MAD 300 billion in targeted financing
- Aims to create 45,000 gross jobs annually
- To reach 435,000 beneficiaries by 2030
Building Bridges for Private Investment
The “Jossour 2030” plan was introduced at a ceremony in Salé presided over by Nadia Fettah, Minister of Economy and Finance and Chairwoman of Tamwilcom’s board. The strategy sets clear financial targets, including MAD 170 billion ($17 billion) in commitments and channeling over MAD 60 billion ($6 billion) in cumulative private investment over the five-year period.
The plan is designed to benefit approximately 435,000 entities, with a strong focus on the 330,000 micro and very small enterprises that form the backbone of the Moroccan economy.
Said Jabrani, Director General of Tamwilcom, explained the plan’s name, stating, “We bridge entrepreneurs and financing, project holders and support structures, territories and development. It is Jossour in the plural – not one bridge, but bridges between different ecosystems.”
Expanded Guarantees and New Focus Areas
Effective immediately, Tamwilcom is implementing several operational changes to broaden its impact. The guarantee threshold for businesses has been expanded from a turnover of MAD 200 million ($20 million) to MAD 500 million ($50 million), bringing more mid-sized enterprises into its scope. Additionally, the guarantee ratio for loans to very small enterprises has been increased from 70% to 75%.
The institution will also accelerate co-financing programs targeting women entrepreneurs, Moroccans investing in their home country, and projects focused on the energy transition. Jabrani also highlighted export financing and supply chain management as two other key areas of focus.
A Regional Approach to National Growth
A core component of the “Jossour 2030” strategy is a shift away from a uniform national approach. Jabrani noted that the current one-size-fits-all model for guarantee and co-financing products is no longer sufficient for Morocco’s varied economic landscape.
“Each territory has its specificities, its fabric, sectors that are more of a priority than elsewhere,” he said, confirming that Tamwilcom will now adapt its offerings on a region-by-region basis.
This localized strategy is supported by two new partnership agreements. The first, with the Association of Regions of Morocco, will develop financing solutions tailored to each of the country’s twelve regions. The second, with the Ministry of Economy and Finance and the Professional Group of Moroccan Banks (GPBM), aims to increase financing for the newly included mid-sized enterprises.
Nadia Fettah emphasized the private sector’s central role in Morocco’s growth, stating that it requires “fluid, inclusive and efficient” access to financing. She positioned “Jossour 2030” as a key driver for this goal, with an ambition to “leave behind no territory, no enterprise, no entrepreneur, and no young talent.”
About Tamwilcom
Tamwilcom is Morocco’s state-owned financial institution dedicated to facilitating access to financing for the country’s businesses, particularly very small, small, and medium-sized enterprises (VSMEs). Formerly the Caisse Centrale de Garantie (CCG), it operates through guarantee and co-financing mechanisms in partnership with the banking sector to support entrepreneurship, innovation, and sustainable economic growth across the Kingdom.
Source: Morocco World News
