Professional Documents
Culture Documents
Matters in Morocco
An enquiry on the state of corporate citizenship in
Morocco
Table of Contents
Foreword
For each company, we looked at their way of doing citizenship, their programs related to education
and Information technology, their governance model and wrote extensively about that.
We researched metrics & generated charts that could positively differentiate companies one against
the other.
Four months afterwards, the final result is this report ‘Citizenship that Matters in Morocco.’
We are deeply enthusiast to share this work as we believe it provides an in-depth analysis of
citizenship in Morocco that would still be pleasurable to read in many years round and we hope it
would inspire more companies and people to run citizenship that matters every day.
Principal Author
Sustainability Consultant
* What this report is not: This report does not pretend to have holistically covered every citizenship activity of every
company in Morocco (as a fact, we benchmarked 45 companies that matters in that space). Regardless of the time and
attention to quality directed, this report may include some mistakes & omissions that are unintentional.
The principal author is a French speaking native so you may want to keep this in mind when reading.
Please, share your enthusiasm or feedback about our report and its findings at Richard.seshie@gmail.com .
Citizenship Overview in Morocco
Morocco, officially the Kingdom of Morocco, is a country located in North Africa with a population of
nearly 32 million and an area just under 447,000 square kilometers (173,000 sq mi).
Morocco GDP is estimated to stand at $148,109 billion in 2009.
With tough government reforms and steady yearly growth in the region of 4-5% from 2000 to 2007,
including 4.9% year-on-year growth in 2003-2007; the Moroccan economy is much more robust than
just a few years ago. The major resources of the Moroccan economy are agriculture, tourism, mining
and phosphates (3rd world’s largest producer). Food processing, leather goods, textiles, construction
and fishing are prominent industries. Workers' remittances have played a critical role since
independence.
In 2006, Morocco spent the equivalent of 42% of its export earnings for energy imports.
The Government set a goal of bringing the contribution of renewables to 20% of the electricity
balance and 10% of the national energy balance by 2012.
Moroccan authorities understand that reducing poverty and providing jobs are key to domestic
security and development. In 2005, Morocco launched the National Initiative for Human
Development (INDH), a $2 billion social development plan to address poverty and unemployment
and to improve the living conditions of the country's urban slums.
A number of tax-alimented special funds such as the Social housing fund (Fonds sur l’habitat social)
or the Telecoms and Internet access fund (Fonds sur le Service Universel) and several public private
partnerships characterize the way social needs are tackled at the country-level apart from the regular
social infrastructure.
In 2005, the Moroccan Investment Department conducted a survey on CSR perceptions among
over 1,000 companies of different nationalities based in Morocco. The findings of the survey
revealed that 73.6% of respondents consider CSR as a serious and promising issue for Moroccan
companies, against 19.2% who believe it is an irrelevant matter for Moroccan companies and
emerging countries.
Formally-introduced corporate citizenship offers a history of less than a decade in Morocco but
with ample evidence of ‘do good’. Morocco set world-class examples such as the first telecom
infrastructure site to be solar-powered or the first cement factory powered by wind energy.
Overall, the citizenship demonstrated by companies in Morocco has passed the nascent cap but it
remain to be seen how they embrace the international existing best practices; and equally if not
more important how do they genuinely leverage their contribution to the overall economic and
social objectives of Morocco.
Some key citizenship milestones in Morocco
2007 –
ERAMEDIC;
2003 – 2005 – Intégrales the 1st 2008 – First
1999 – First CSR de company in Moroccan
Campaign report l’Investissement Morocco to private
on clean issued by forum on receive the carbon
beaches CDG Responsible Label CGEM fund, FCCM-
initiated Group Investment on CSR CDG
Distribution by Sector
FACT BOX 1
8
45 companies and 17 7
sectors are covered in 6 7
this report. 5
4 5 5
The Information 3 4 4
Technology sector is 2 3 3
most reported with 7 1 2 2 2 2
1 1 1 1 1 1
companies, followed by 0
the financials and the
Industrials sectors with 5
companies each.
FACT BOX 2
Terminology in use
20 companies use 25
‘Sustainable
Development’ as the 20
term of choice. 20
15
12 for corporate social
responsibility
10 12
11
11 for citizenship
5
2 alternatively
2
0
Citizenship Sustainable Corporate Social Multiple
Development/Sustainability Responsibility
No Citizenship
Signature
87%
51% of companies run big-scale citizenship programs with only 13% of them having
introduced a citizenship signature. The difference lies in the fact that 27 companies
pursue environmental activism with the majority being ‘industrials‘, hence the
perception there is no need to communicate with the public at large.
There are also few cases of a ‘tit for tat’ style of doing citizenship with no glue of
coherence and dispersive communication.
FIGURE 1
Citizenship Signatures in
Morocco
FIGURE 2
AXA Maroc leaflet with
Si Kayiss, the mascot.
FACT BOX 4
Proof of ESG strategy integrated to the core strategy
26 companies consider or part of the long-term strategic plan
Environmental, Social
and Governance issues
as valuable intangible
assets that should be
managed.
No Evidence
42%
Evidence
58%
We looked for embedded statements on ESG in the identity and/or long term plan
of each company. 22 out of 29 mother HQs of foreign companies or foreign-
controlled companies in Morocco have adopted ESG strategy to the core. In
comparison, 5 out of 16 Moroccan-owned companies (OCP, ONE, SOTHEMA, ONDA,
LGMC) have adopted ESG strategy to the core. Others ‘outsource’ their activities to
self-owned Foundations or green wash.
10
5
4 4 4 4 4
1 1 1 1 1 1 1 1 1 1 1 1 1 2 2 2 2 2 2 2 2 2 3 3 3 3
0
There is a lot of emphasis on addressing issues such as illiteracy, poverty, youth exclusion and environmental care in Morocco.
The Kingdom of Morocco has spearheaded a number of ambitious Public Private Partnerships; to name a few the Program ‘Génie’ and ‘Nafida’
in education and e-education and the Foundation Mohammed VI for the Protection of the Environment is renowned for its annual campaign
‘Plages Propres’ for clean beaches. The work is in progress and has yielded some results w can deem positive so far. It also remained to be seen
how companies would engage in the near term into a number of pressing or emerging, but sensible issues in the social landscape; namely water
scarcity, HIV/AIDS, tobacco & drug addiction, immigration and emigration.
FACT BOX 7 Citizenship themes addressed and publicly promoted by Company
BMCE Bank and 5 7
other companies
present the highest
6
number of topics 6 6 6 6 6 6 6
said to be addressed
6; when Nokia North
5
Africa run its 5 5 5
citizenship activities
under a single 4
theme. 4 4
No Flagship
Flagship
49%
51%
FACT BOX 9
Flagship programs by Themes
1 in 3 of all flagship 4,5
programs (8/23) relate
4
to Education and/or 4
3,5
Digital inclusion.
3
3 3
2,5
2
2 2
1,5
1
1 1 1 1 1 1 1 1 1
0,5
0
Companies Flagship Program Theme Short Description
ATTIJARIWAFA BANK ‘JAMIATI’ Education Student ID card Jamiati, web portal to access information on Moroccan
universities
AXA MAROC Barometer AXA on retirement Public Survey on Retirement Public Survey on Aging & Retirement
BANQUE CENTRALE POPULAIRE Micro-Credit Foundation Micro finance Micro credit loans
BMCE BANK ‘MEDERSAT.COM’ Education Network of rural schools
CENTRALE LAITIÈRE Nutrition Education Day 'Sihhaty fi taghdiyati' Education Education on nutrition among school children
CISCO MAROC ‘E-Parité’ Gender Promotion CISCO CCNA certification for women made easy
ERICSSON - SONY ERICSSON Solar-powered telecom infrastructure site ICT in the Community Solar-powered telecom infrastructure site
HOLCIM MAROC HOLCIM Awards for Sustainable Construction Sustainable Construction Awards recognizing sustainable construction projects
Inditex SA Cooperation with AMITH on the label 'Fibre Suppliers Compliance Compulsory compliance for Moroccan textile and clothing suppliers to be
Citoyenne' certified with the label 'Fibre Citoyenne'
INTEL Corp. ‘Intel Teach Program’ ICT Education IT skills for teachers
ITISSALAT AL MAGHRIB Association Maroc Telecom for Enterprise ICT Entrepreneurship Support in opening phone shops, entrepreneurship fund, scholarships
Creation
LAFARGE MAROC Private Wind farm s Green Energy Supply Private wind farms to power cement factories
LGMC Industries Support to Working Women Gender Promotion Women in management, literacy program and social advantages
L'Oreal ‘FOR WOMEN IN SCIENCE’ Gender Promotion Scholarships for women researchers
LYDEC Department INMAE Access to Infrastructure Dedicated Department responsible for providing utility services to slums
MEDITELECOM ‘LIAJILCOM’ ICT Entrepreneurship Support in opening community phone shops as micro enterprises
MICROSOFT AJIALCOM ICT Education IT centers hosted within Youth Houses (Maisons de Jeunesse)
NORSYS AFRIQUE ‘TPE’ Rural Empowerment Creation of agricultural micro enterprises
OCP Forestation/Reforestation Program Forestation/Reforestation Forestation, reforestation and development of green cover areas
ONE ‘Plan VER’ Rural Empowerment Valorization Plan for Rural Electrification
ONA ‘VILLA DES ARTS’ Cultural Promotion Exhibition venues for Arts & Culture
Procter & Gamble NWA Always School Program' Education Education on puberty and reproductive health among young school girls
TOTAL Renewable energy powered rural Access to Infrastructure Solar home appliances, other hybrid systems in rural areas
electrification
Veolia Environnement Maroc Prepaid automatic standpipes functioning Access to Infrastructure Prepaid automatic standpipes functioning with photovoltaic panels
with photovoltaic panels
2. Education and Digital inclusion
FACT BOX 10
Education-related Citizenship Programs
The 28 education 12
themes are repeated 81
times.
10
Building or upgrading 10
schools is considered of
8
highest priority.
Multimedia centers in 7
schools and E-literacy 6
6 6
programs are
respectively ranked at 4
the 3rd and 5th position. 4 4 4
3 3 3 3 3 3 3
2
2 2 2 2 2
1 1 1 1 1 1 1 1 1
0
FACT BOX 11
Education-related Citizenship Programs by Company
Microsoft and Holcim
10
Maroc top the number
F
of corporate education 9
programs run in F 9 9
Morocco, 9 each. 8
F 8
Microsoft runs a 7
7
flagship Education
6
program which is 6 6 6 6
AjialCom 5
F
The ICT companies the 4
closest to this score are 4 4
Meditelecom and Intel; 3
F 3 3
with respectively 6 and F
2
4 programs. 2 2 2 2 2 2
1
1 1 1 1 1 1 1
0
The number of programs run is not everything. The depth & outcomes of each program matters; yet no comprehensive benchmark can apply
to such a diversity of programs and metrics. Where applying, we marked an ‘F’ sign on top of each histogram to inform the company flagship
program coincides with an educational initiative, therefore being prominent. For IT companies running ICT education programs, we qualified
their flagship programs as Education related instead of Digital Inclusion.
FACT BOX 12
Digital inclusion-related Citizenship Programs
The 18 digital inclusion 7
themes are repeated 36
times. 6
6
Setting up multimedia
centers in schools by 5
donating computers
and providing other 4
4
forms of assistance is
the most prominent 3
program. 3 3 3
2
2 2 2 2
1
1 1 1 1 1 1 1 1 1
0
FACT BOX 13
Digital-inclusion related Citizenship Programs by Company
Meditelecom run the 8
highest number of
F
digital inclusion
7
programs in Morocco, 7 7
F
7.
6
6
4
4 4
3
F 3
2
2 2 2
1
1 1 1 1 1
Where applying, we marked an ‘F’ sign on top of each histogram to inform the company flagship program coincides with a digital inclusion
initiative, therefore being prominent.
FACT BOX 14
Digital Inclusion and Educational main partners by Company
Microsoft, Meditelecom and BMCE
12
Bank partner with a large number of
organizations
ACCOR MAROC 1 - 1 10
2
CENTRALE LAITIÈRE 1 - 1
MANAGEM 1 - 1
5 5
NABC COCA COLA 1 - 1
NOKIA CORP. 1 - 1 8
NORSYS AFRIQUE 1 - 1
OCP 1 - 1
ONE 1 - 1
TOTAL MAROC - 1 1 6
BANQUE CENTRALE 2
POPULAIRE 2 - 2
CIMENT DU MAROC 2 - 2
0 2
EQDOM 2 - 2
LAFARGE MAROC 1 1 2
4 8
ERICSSON- SONY 1 0 4 1
ERICSSON MAROC - 3 3
PROCTER & GAMBLE 3 - 3 3 0 5
ATTIJARIWAFA BANK 3 1 4
2 4 4 4 4
HOLCIM MAROC 4 - 4 0 0 0 1
ITISSALAT AL 3 3 3 3
MAGHRIB - 4 4 2 2 2
LYDEC 3 1 4 10 10 10 10 10 10 10 10 1 1
CISCO MAROC 5 - 5 0 0 0 0
INTEL CORP. 3 2 5
VEOLIA MAROC 4 2 6
BMCE BANK 4 5 9
MEDITELECOM 4 5 9
MICROSOFT 8 2 10
Digital
Educational
FACT BOX 15
Preferred Digital Inclusion and Educational partners
The Ministry of 12
National Education is
the partner of choice
10
both for education and
10
ICT in education
initiatives. 8
Zakoura Education
6
Foundation is offering
non formal literacy
5
programs for adults. 4
FACT BOX 16
Citizenship Programs run In-house or by a Foundation
Citizenship Programs run: Foundation
9%
In-House 34
In-House and Foundation 7 In-House and
Foundation
Foundation 4 15%
FACT BOX 17
FACT BOX 20
Participation in national sustainability or social welfare
The General Confederation of
working groups
Moroccan Enterprises (CGEM)
has adopted a corporate
SIDA Entreprises maroc (HIV/AIDS) 1
social responsibility charter in
2006 and has a number of
commissions working on 1
Planet Finance Maroc
citizenship issues.
Eqdom is a consumer credit company, a subsidiary of Société Générale Group. Negligible sponsoring
& donation activities are meant to communicate.
ERAMEDIC installed 23 mini-units of clinical waste treatment in hospitals and contributed two
publications, informing on best practices and offering its reflection on the issues of (1) treatment of
clinical waste and (2) the sterilization of medical devices, yet to become a proper reality in Morocco
Citizenship Budget -
Impact 5000 copies of each publication distributed
23 mini-units of clinical waste treatment installed in Morocco
Participation in sustainability Global Compact (Pacte Mondial) Morocco
working groups
Awards/Recognition -
Contacts Mr Rachid BELKAHIA, Directeur Général
belkahia@menara.ma, eramedic@menara.ma
Phone : 212 (0) 05-22-30-69-21 / 22-30-69-22
HP is currently rolling out the execution of those 2 new programs (for example with the opening in
2008 of a recycling factory in Cape Town, South Africa) and benefits should possibly reach to
Morocco in the near term.
II. Description
Ericsson Morocco partnered with the Ministry of National Education, the V. Main Partners & Role
Ministry of Health and the Foundation Rhamna for Sustainable • Ministry of Education: access to schools
Development (FRDD) to offer e-education and e-health services to the • Rhamna Foundation for Sustainable Development: implementation and
schools of the Rhamna area in the North of Marrakech; by providing 3G follow-up of the program
• Ministry of Health; undisclosed
network coverage for that purpose.
Since May 2009, students in this province benefit from distant learning • The National Initiative for Human Development; undisclosed
via interactive tools with options to connect to 3G mobile internet and
health services provided by a mobile unit offering tooth and eyes VI. Main Locations
checking services for pupils. Schools in the region of Rhamna
This allows young people to benefit from new technologies, fight against
school drop outs and establish means for the improvement and
modernization of teaching techniques. VII. Communication
The 3G network should also facilitate new activities in the region such as Not available
internet cafes.
Ericsson
Business Deployment of
Students enjoy
consulting the 3G Follow-up by
e-education
business plan network and the steering
and e-health
for the 3G schools committee
services
network in equipment
Rhamna
IBM Corp. Good Case Practice
IBM has contributed to the elaboration of the government plan on Innovation "Maroc Innovation» 2008-2009 and
through the Convention "Morocco Innovation Initiative", recently opened an IBM «Innovation Center» (43
worldwide) and a «Technical Exploration Center» (70); the first in Africa. This can be diversely appreciated as
business as usual or a gesture of faith & good citizenship to have such an existing platform in an emerging country
or both reasons.
I. Original Motives The joint committee for his part developed the ""Morocco Innovation
Support the ambitions of Morocco for Innovation Initiative"" 2009-2013 plan. The ""Morocco Innovation Initiative"" offers a
comprehensive strategy formulated with the end-goals being to produce
II. Description 1000 Moroccan patents per year from 2014, against ~200 now, and
The Moroccan government has spearheaded different initiatives in the past creating 100 innovative start-ups per year from the same date.
such as the E-Morocco strategy 2005-2010 converging all efforts to support This initiative includes the establishment of a public-private governance
the Information Society and Knowledge Economy reality in Morocco and body, the creation of the Moroccan Center of Innovation, the Moroccan
the ‘Contrat Progrès 2006-2012’; a strategic vision and an action plan for Club of Innovation, Clusters, the establishment of the ""Trophies of
the development of ICT sector and the off shoring industry. Innovation ""and an entire ecosystem for Innovation.
The program cost was estimated to stand at 125 millions US$ (1Billion Dhs.)
In 2007, the department of Industry and the department of Higher for 2009-2013 with 300 MDH at the expense of the State Budget and 150
Education & Scientific Research observing that Morocco only spends 0.8% MDH supported by the Hassan II Fund for Economic and Social
of its GDP on R&D; expressed a willingness to formulate a strategy for Development.
Innovation with the aim to position Morocco as a provider of technology
and allow the emergence of a high added value economy. III. Value Model
The 2 departments turned to IBM; considering the company background as The results of the joint expert committee were presented during the 1st
one that contribute a high number of patents worldwide and having Summit of Innovation ""Morocco National Innovation Summit"" in June
secured a specialization in coaching development strategies for Innovation 2009.
in previous countries (USA, India, Mexico and Vietnam) On the sidelines of the summit, nine cooperation agreements and
partnerships in the field of R&D were signed and IBM would collaborate
2 answers were provided by IBM: with the Moroccan Association for Innovation and Research (MASCIR) for
- The opening of an Innovation Center and a Technical Exploration Center setting up an international-level R& D infrastructure supportive of 4
in Morocco, the first in Africa technologies (nanomaterials, microelectronics, biotechnology and ICT)
- Setting up a joint committee composed of experts from public and private
sectors, universities and IBM to develop a National Strategy for Innovation
for the key economic sectors. IV. Impact
Ongoing
Opened in April 2008, the Innovation Center offers business partners, ISVs
and integrators an access without charge to IBM hardware and software
resources and other benefits.
The ""Technical Exploration Center is in turn a conference center where
IBM freely offers to its customers an access to high-tech competencies.
High level professionals share their experience through workshops.
Active listening to
Meetings in July
all components of
and October
Signature of the the ecosystem for
2008 revolved Final
Convention innovation Restricted task
around 3 Syndication phase presentation at
"Morocco (Administrations, force to write a
workshops led leading to the Innovation
Innovation Universities, preliminary
by experts from recommendations Summit in June
Initiative in April Research Centers, document
IBM (Infrastruct 2009
2008 Business, Civil
ure, Investment,
Society, Financial
Talent)
Sector)
GENIE initiated since 2005 is a national program of the Moroccan IV. Impact
government, with the aim to mainstream ICT into the education system to Training of 120 master trainers and 4500 teachers up to 2007 (newspaper
benefit all the 8600 schools in Morocco. Le matin.ma nov.2007)
The program consists of 3 pillars:
• The "infrastructure" pillar for equipping schools with multimedia rooms
V. Main Partners & Role
connected to the Internet;
• Intel sponsored qualified experts to train a core group of trainers, offered
• The "content development" pillar which focuses on the development of
an access to the Intel Teach curriculum in Arabic and sponsored various
digital educational content to support the curriculum;
• The "training" pillar which empowers teachers with the necessary skills events and competitions.
for the use of multimedia. • The Department of Education enforced copyright on Intel Teach
curriculum, guaranteed a dedicated number of training rooms (16) and
validated the Moroccan-adapted learning content
GENIE 3-year training plan looked at introducing computing to 230,000
• The equipped rooms within the Teachers Training Centers (CFI), Regional
persons (teachers, inspectors, technicians, heads of institutions ...) and
Educational Centers (CPR) and AREF Centers host the trainings
train 10,000 teachers to integrate ICT in the learning content around the
• The National Institute of Posts and Telecommunications assesses the
following courses: "Introduction to ICT", "Use of ICT in education",
impact of the training course (initially ANRT)
"equipment maintenance" (technicians).
A steering committee which brings together all parties meet at least every
6 months was responsible for the adoption of an action plan, monitoring
The Intel Teach curriculum served in the course ""Use of ICT in education""
Various agreements were signed with the Ministry of National Education and undertaking corrective actions.
(M.E.N) to train 6,000 teachers by 2006, extended to 12,000 in 2007 and
25,000 teachers by 2008. Qualified experts to train a core group of trainers
and the Intel Teach curriculum in Arabic (curriculum previously used in
Egypt; in paper and CD-ROM versions) were made available by Intel.
Adaptation of the
training content to
Signing of an
the Moroccan Foreign and
agreement with the Selection of pre-
context by the Moroccan experts Training of teachers
centers hosting the qualified teachers
working train master trainers
teachers’ trainings
Group: M.E.N-INTEL-
CNIPE
IX. The future of the program X. Direct or Indirect Benefits for Meditelecom
Community phone shops are still offered by the company Ilaïkom Méditel counts more than 9,000 outlets and 16,000 credit recharging
without the subsidized rate. points; the majority being micro-enterprises (Liajlicom, mediteleboutiques)
The CEO of Ilaïkom, Sijelmass Abdesslam estimates there is potential for
at least 100 000 units. Méditel and the National Agency for Regulation of Telecommunications
There have been attempts to seek synergies with other sectors such as signed an agreement under the program ""PACTE"", which aims for the
fast moving consumer goods. widespread access to telecommunications services in Morocco (more than
A phone unit was built that is Coke-branded (looks like a can of Coke). 9200 localities are concerned). Méditel will offer mobile and Internet
Coke may appear to sponsor units, and add a small fridge to the concept services via 2G and 3G networks to 1316 unreached rural communities by
with a starter-kit of drinks but there is little clarity offered. 2011 with a budget of (~31.25 million US ( 250 million Dhs.)
Ilaïkom is also looking for ways to convince Moroccan residents abroad 434 rural communities were covered in 2008.
to invest in a phone unit for their families in Morocco,
and add phone credit on a monthly basis through an internet-based
solution.
"
ATTIJARIWAFA BANK Good Case Practices
Jamiati
Citizenship Overview
Attijariwafa Bank launched the first two
Attijariwafa Foundation citizenship actions focus on 2
community funds in Morocco: "Cap
axis:
Générosité" and "Cap Solidarité". Investors in
An education axis with the continuing support to Al
these funds allow the returns generated to be
Jisr Association; facilitating Moroccan students
devoted to four issues considered the most
admission to international & national engineering
critical in Morocco today: social development,
schools and ‘Attijariwafa Universités’ an umbrella
program for Universities (encompassing the Jamiati environment, culture and health.
student smart card, the Jamiati web portal to access
information on Moroccan universities and the introduction of a Master in banking & finance).
There is a special emphasis on positioning Attijariwafa bank among students, managers of tomorrow; then a long-
term profitability factor.
A cultural axis valorizes the pictorial heritage of the bank, promote art projects and support young talents in arts.
Attijariwafa support to Arts secures premier attendance, premium advantages to a select clientele and enhances
customer loyalty.
IX. The future of the program X. Direct or Indirect Benefits for Attijariwafa Bank
The Jamiati card should be made available among all Moroccan universities Attijariwafa Bank enjoys a strong visibility among students in Morocco.
within an unspecified timeline. The Jamiati ID card offering includes some optional banking services.
A planned second phase of 'Attijariwafa Universités' should encourage
Universities’ research initiatives.
BMCE BANK Good Case Practices
MEDERSAT.COM
Citizenship Overview FCP MEDERSAT.COM
BMCE Bank Foundation delivers on BMCE Bank 2
traditional citizenship axis: the education and the
environment. BMCE Bank is pursuing one of the most ambitious educational programs in Morocco which is
MEDERSAT.COM; the intention is to build a network of rural schools, a model of integrated and innovative schools.
Each school MEDERSAT.COM is believed to provide quality education, sports and recreation facilities as well as
cares for the community with an adult literacy program provided and water & electricity access ( for prior localities
deprived of access). A recent interest in microcredit resulted in April 2009 into a partnership with Caja Ahorros Del
Mediterraneo (Spanish financer) that would support the newly-founded micro credit lender Association Tawada to
disburse micro credits loans in the villages where MEDERSAT exists.
Since 2007, MEDERSAT schools are being ‘upgraded’ to introduce the teaching of Amazigh, a local dialect and IT
(collaboration between by BMCE Bank, MEDITELECOM, Wincor Nixdorf, CBI and Munisys). MEDERSAT has recently
expanded to 6 African countries (BMCE Bank new markets).
The financing of the foundation presents a remarkable case study. Not only does the Bank contributes 4% of its
gross profit to the budget of the Foundation (in excess of 10 US$ M in 2007) but created an investment fund <<FCP
MEDERSAT.COM>> with near the total revenue reversed to MEDERSAT. BMCE Bank is also leading ongoing efforts
to create an environmental fund and a Moroccan private carbon fund.
VII. Communication The "Rural digital school" program is a 2009-2012 pilot program to
Informational videos on Medersat.com integrate new technologies in curricula involving 60 schools. It covers the
Organization of regional and international conferences construction of multimedia rooms, IT equipment, interactive and distance
Participation in global philanthropy networks such as the Global training option for teachers and the development of digital learning
Philanthropists Circle content.
The 1st phase of the program covering 20 schools is underway with a
VIII. Budget 250.000 US$ co-financing secured from Telefonica Foundation Morocco.
The average annual expenditure of the foundation between 2000 and 2005
was 5.5 million US$ (44 million Dhs.) Medersat.com expansion to other African countries Senegal, Mali, Congo,
The Moroccan banking sector has experienced strong double digit growth Kenya, Mali, Benin and Niger"
in recent years and our own calculations assume the foundation budget
has since crossed 10 million US$ annually. X. Direct or Indirect Benefits for BMCE
"BMCE Bank enjoys a strong visibility among Government officials, the
business and the NGO sector in Morocco.
IX. The future of the program
Initiated since 2008, a program to integrate preschool education should
Othman Benjelloun, Chairman and CEO of BMCE Bank deem Medersat.com
give room to specialized classes among the 40 new schools projected to be
his proudest accomplishment.
built over the next two years and the creation of two training centers for
"I have done industry, banking, insurance and telecommunications, and
preschool teachers.
this is the project of my life" he says. *(Global Giving Matters article, March
2004)
Citizenship that Matters
EVERYDAY