On the occasion of World Micro, Small and Medium Enterprises (TPE-SME) Day, the Moroccan Confederation of TPE-SMEs issued a manifesto Friday urging greater support for small businesses and calling for their full inclusion in national economic policies.
The manifesto highlights the vital role of micro, small and medium enterprises in Morocco’s economy, noting that they represent 98.4% of all businesses in the country and account for more than 83% of formal employment. The Confederation described these enterprises as essential to inclusive growth, territorial development and the green transition.
Despite their importance, the Confederation said these businesses face persistent structural challenges, including limited access to financing, burdensome tax regimes, low integration into public procurement, and inadequate digital and training support. It warned that small businesses often remain excluded from key decision-making processes.
“Neither the current employers’ organizations nor existing institutions can adequately represent the diversity and specific needs of such a vast economic sector,” the Confederation stated.
Five-Point Plan for Reform
The manifesto proposes a five-pronged approach to improving conditions for TPE-SMEs:
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Financing: Creation of a public bank dedicated to small businesses, access to low-interest credit lines, and expanded support for government-backed financing programs such as Intelaka and Forsa.
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Taxation: Simplification of tax regimes and introduction of targeted exemptions better suited to small business realities.
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Digital Transition: National programs to support digitalization of small enterprises.
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Public Procurement: Full implementation of the 2013 law on public contracts to improve SME access to public tenders.
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Workforce Development: Increased investment in continuous training tailored to small business operators and employees.
Alarm Over Closures
The Confederation also warned of the growing vulnerability of small businesses. It reported that more than 40,000 TPE-SMEs shut down in 2024, many due to late or denied payments. The group said the economic and social fallout from these closures underscores the urgent need for coordinated action.
“This is not just an economic issue. The fate of TPE-SMEs has wide-ranging implications for social cohesion and national resilience,” the group noted.
Call for Collective Mobilization
The Confederation urged all stakeholders — public authorities, banks, large companies, international partners and the general public — to mobilize in support of small businesses. It stressed the importance of creating a more equitable ecosystem in which entrepreneurs can operate with confidence and long-term vision.
“Sustaining TPE-SMEs means strengthening the foundation of the national economy,” the statement concluded, expressing the Confederation’s readiness to actively contribute to a more inclusive and collaborative policy dialogue.
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