In Morocco, the access of SME to bank lending has been a hot issue for some time; In general, Moroccan banks are widely regarded as extremely conservative in the appraisal of loan applications. Collateral requirements are also considered to be excessively stringent, and the usefulness of the credit guarantee schemes managed by CCG (Caisse Centrale de Garantie) is sometimes called into question.

As for credit penetration and access, the World Bank’s Doing Business Report 2021 ranked Morocco 53 out of 185 countries compared to their rank of 104 in 2013.