CREDIT SCORING IN THE SERVICE OF ENTREPRENEURSHIP IN MOROCCO: PRAGMATIC APPROACH FOR THE SELECTION OF PROMISING PROJECTS

摘要

The different policies adopted at the national and international level aimed at investing in the youth to accelerate their development on all socio-economic, political and cultural sectors. This orientation is based on the considerable growth of this population of youth from 15 to 29 years old representing about one third of the total population of the MENA region (Middle East and North Africa) (Approximately more than 100 million). However, lack of direction and support needed to fully contribute to the development of their communities, this potential can turn into frustration, as demonstrated by the "Arab Spring". In this sense and to promote the opportunities with these young people, Morocco has launched several employment programs like “Moukawalati” directing them to the world of entrepreneurship. From the perspective of successful operational deployment of these programs, this paper presents a practical approach of selection of the promising projects through the implementation of a highly predictive scoring approach adapted to the specificities of this segment of young micro-entrepreneurs.