L’entrepreneuriat digital au Maroc : Zoom sur les startups digitales de la région de l’Oriental

Digital entrepreneurship in the orient of Morocco is booming. The region offers a favourable environment for the development of digital start-ups. Several factors are contributing to this dynamic. Firstly, the region's youthful population and large workforce provide a pool of talent and skills to launch and develop digital projects. Add to that, the access to new technologies is constantly increasing in the orient, encouraging the emergence of digital start-ups as well. Initiatives have also been put in place to support digital entrepreneurship. Incubators and coworking spaces have been set up to support entrepreneurs and to provide them with the resources they need to develop. The main aim of this article is to highlight the main constraints and business opportunities that face digital start-ups in the Oriental region, in a context marked by the growth of digital, fierce competition and market opacity. Using qualitative methods, in particular the interview guide, we based our study on a representative sample of ten different sectors in order to generalise the results, such as web and marketing, technology education, e-commerce, financial technology, etc.   Keywords: Digital entrepreneurship, Digital startups, Oriental, Morocco JEL Classification: M13, M15, O32 Type of article: Applied researchL'entrepreneuriat digital dans la région de l'Oriental du Maroc est en plein essor. Cette région offre un environnement propice au développement de startups digitales. Plusieurs facteurs contribuent à cette dynamique. Tout d'abord, la jeunesse et la population active nombreuse de la région offrent un vivier de talents et de compétences pour lancer et développer des projets à caractère digital. De plus, l'accès aux nouvelles technologies est en constante progression dans la région, ce qui favorise l'émergence des startups digitales. Des initiatives ont également été mises en place pour soutenir l'entrepreneuriat digital dans l'Oriental. Des incubateurs et des espaces de coworking ont ainsi été créés pour accompagner les porteurs de projets et leur fournir les ressources nécessaires pour se développer. L'objectif principal de cet article est de souligner les principales contraintes et opportunités d’affaires auxquelles font face les start-ups digitales de la région de l'Oriental dans un contexte marqué par la croissance du digital, une concurrence féroce et une opacité du marché. En utilisant des méthodes qualitatives, notamment le guide d'entretien, nous avons basé notre étude sur un échantillon représentatif de dix secteurs différents afin de généraliser des résultats tels que le web et le marketing, l'éducation technologique, le e-commerce, la technologie financière, etc.   Mots clés : Entrepreneuriat digital, Startups digitales, Oriental, Maroc Classification JEL : M13, M15, O32 Type de l’article : Recherche appliqué

The role of family solidarity in nascent entrepreneurship in Morocco: A conceptual model

The nascent entrepreneurship is still a recent specific theme in the field of entrepreneurship that deserves to be studied. The process approach analyses entrepreneurship in a dynamic logic distinguishing between the pre-creation and post-creation phases of a new business. Also, in a holistic logic that integrates external variables to the entrepreneur himself, but which represent levers (or brakes) of the entrepreneur’s success. Since the early 2010s, research has progressively focused on the research gap that exists between the entrepreneurial intention stage and the entrepreneurial act, which leads to creating new venture. As for the family, it is not new to analyze the family's role in every stage of the entrepreneurial process. The studies in this field focus on the family environment, family support, and family culture, and a few studies have focused on family solidarity. The literature review on family solidarity leads us towards an integral approach combining the tangible aspects of family especially material and financial support, and intangible aspects like family cohesiveness, family coherence, and moral support. This article aims to study the relationship between family solidarity and nascent entrepreneurship, i.e., during the gestation phase of the entrepreneurial project. To this end, we have developed a well-constructed hypothesis revolving around family solidarity and its impact on entrepreneurship during the gestation stage. Based on a rich and recent literature review in this area This paper offers insights into the entrepreneurial success of nascent entrepreneurs in the context of Morocco. It integrates the theory of solidarity family of Bengtson to provide a comprehensive framework for furthering the understanding of the factors that affect nascent entrepreneurship.   Keywords: family solidarity, nascent entrepreneurship, family support JEL Classification: L26 Paper type: Theoretical ResearchThe nascent entrepreneurship is still a recent specific theme in the field of entrepreneurship that deserves to be studied. The process approach analyses entrepreneurship in a dynamic logic distinguishing between the pre-creation and post-creation phases of a new business. Also, in a holistic logic that integrates external variables to the entrepreneur himself, but which represent levers (or brakes) of the entrepreneur’s success. Since the early 2010s, research has progressively focused on the research gap that exists between the entrepreneurial intention stage and the entrepreneurial act, which leads to creating new venture. As for the family, it is not new to analyze the family's role in every stage of the entrepreneurial process. The studies in this field focus on the family environment, family support, and family culture, and a few studies have focused on family solidarity. The literature review on family solidarity leads us towards an integral approach combining the tangible aspects of family especially material and financial support, and intangible aspects like family cohesiveness, family coherence, and moral support. This article aims to study the relationship between family solidarity and nascent entrepreneurship, i.e., during the gestation phase of the entrepreneurial project. To this end, we have developed a well-constructed hypothesis revolving around family solidarity and its impact on entrepreneurship during the gestation stage. Based on a rich and recent literature review in this area This paper offers insights into the entrepreneurial success of nascent entrepreneurs in the context of Morocco. It integrates the theory of solidarity family of Bengtson to provide a comprehensive framework for furthering the understanding of the factors that affect nascent entrepreneurship.   Keywords: family solidarity, nascent entrepreneurship, family support JEL Classification: L26 Paper type: Theoretical Researc

Les déterminants de la détresse financière des PME dans les régions du sud du Maroc

This article aims to identify and analyze the main determinants of financial distress among SMEs in the southern regions of Morocco. Using structural equation modeling (SEM), we studied the relationships between various factors, such as financial ratios, access to financing, financial management skills, financial innovation, and strategic and judicial interventions, and their impact on the financial performance of SMEs. Data were collected from surveys of 373 SMEs in the regions of Guelmim-Oued Noun, Laâyoune-Sakia El Hamra, and Dakhla-Oued Eddahab. The results show that unfavorable financial ratios increase the risk of financial distress, while access to financing, financial management skills, financial innovation, and strategic and judicial interventions have significant positive effects on the financial performance of SMEs. These findings highlight the importance of improving access to financing and financial management to strengthen the resilience of SMEs.   Keywords: Financial distress, SMEs, access to finance, Structural equation modeling (SEM), Financial management Classification JEL: E6, B4 Paper type: Empirical ResearchCet article vise à identifier et analyser les principaux déterminants de la détresse financière des PME dans les régions du sud du Maroc. En utilisant la modélisation par équations structurelles (SEM), nous avons étudié les relations entre divers facteurs, tels que les ratios financiers, l'accès au financement, la gestion des compétences financières, l'innovation financière et les interventions stratégiques et judiciaires, et leur impact sur la performance financière des PME. Les données ont été collectées à partir d'enquêtes auprès de 373 PME dans les régions de Guelmim-Oued Noun, Laâyoune-Sakia El Hamra, et Dakhla-Oued Eddahab. Les résultats montrent que les ratios financiers défavorables augmentent le risque de détresse financière, tandis que l'accès au financement, la gestion des compétences financières, l'innovation financière et les interventions stratégiques et judiciaires ont des effets positifs significatifs sur la performance financière des PME. Ces conclusions soulignent l'importance d'améliorer l'accès au financement et la gestion financière pour renforcer la résilience des PME.   Mots clés : Détresse financière, PME, l’accès au financement, Modélisation par équations structurelles (SEM), Gestion financière JEL Classification : G01, C50 Type du papier : Recherche empiriqu

Partenariat entre Multinationales et PME au Maroc : Entre ambitions et contraintes

The objective of this article is to analyse the forms that cooperation between NMF and SMEs can take in Morroco, in a framework which takes into account not only the complementarity of the capacities of the cooperators, but also the existing asymmetries between African SMEs and MNFs Although several studies have examined B2B cooperation (D. R. G. Scott (2004), B. Kogut (1999), Jeffrey J. Reuer, Jeffrey S. Smith (2002)), those in partnerships between MLFs and SMEs in developing countries are rare. By mobilizing a review of narrative literature, this article explores how these relationships can vary according to size, partners' objectives and national context. The main findings show that MNFs are mainly looking for cost savings and access to local networks, while SMEs are looking to benefit from the image of large companies and gain access to new markets. Major challenges identified include information asymmetries and cultural differences, which influence partnerships success.   Keywords: MNCs - SMEs - Cooperation – Morroco – obstacle Classification JEL: F23, L23, O55 Paper type: Theoretical ResearchL’objectif de cet article est d’analyser les formes que la coopération entre les FMN et les PME peut prendre au Maroc, dans un cadre qui prend en compte non seulement la complémentarité des capacités des coopérants, mais aussi les asymétries existantes entre les PME africaines et les FMN Bien que plusieurs études aient examiné la coopération interentreprises (D. R. G. Scott (2004), B. Kogut (1999), Jeffrey J. Reuer, Jeffrey S. Smith (2002)), celles portant sur les partenariats entre FMN et PME dans les pays en développement sont rares. En mobilisant une revue de littérature narrative, cet article explore comment ces relations peuvent varier selon la taille, les objectifs des partenaires et du contexte national. Les principaux résultats révèlent que les FMN recherchent principalement la réduction des coûts et l'accès aux réseaux locaux, tandis que les PME visent à bénéficier de l'image des grandes entreprises et à accéder à de nouveaux marchés. Les défis majeurs identifiés incluent les asymétries d'information et les différences culturelles, qui influencent la réussite des partenariats.   Mots clés : FMN – PME – Coopération –Maroc – obstacle Classification JEL : F23, L23, O55 Type de papier : Article théoriqu

The influence of microcredit financing conditions on the financial performance of microenterprises in Burkina Faso

This article examines the influence of microcredit financing conditions on the financial performance of microenterprises in Burkina Faso. To this end, an analysis was carried out using a linear model for a sample of 129 microenterprises based on panel data from 2017 to 2019. The results obtained using the Feasible Generalized Least Squares (FGLS) method show that the amount of microcredit and the repayment period have a positive impact on the financial performance of microenterprises. In contrast, the interest rate, proximity to microfinance institutions (MFIs) and the gender of the business owner negatively affect this performance. These results emphasize that in the Burkinabe context, proximity to MFIs does not guarantee the profitability of microenterprises, but rather benefits MFIs in repaying loans and expanding their portfolio. They also indicate that women-led micro-enterprises are less profitable because they have difficulties accessing credit, particularly due to a lack of collateral. Conversely, businesses run by educated owners have better financial performance.   Keywords: Financing conditions, microcredit, microenterprise, financial performance JEL classifications: G32, G21, J54, L25 Paper type: Empirical researchThis article examines the influence of microcredit financing conditions on the financial performance of microenterprises in Burkina Faso. To this end, an analysis was carried out using a linear model for a sample of 129 microenterprises based on panel data from 2017 to 2019. The results obtained using the Feasible Generalized Least Squares (FGLS) method show that the amount of microcredit and the repayment period have a positive impact on the financial performance of microenterprises. In contrast, the interest rate, proximity to microfinance institutions (MFIs) and the gender of the business owner negatively affect this performance. These results emphasize that in the Burkinabe context, proximity to MFIs does not guarantee the profitability of microenterprises, but rather benefits MFIs in repaying loans and expanding their portfolio. They also indicate that women-led micro-enterprises are less profitable because they have difficulties accessing credit, particularly due to a lack of collateral. Conversely, businesses run by educated owners have better financial performance.   Keywords: Financing conditions, microcredit, microenterprise, financial performance JEL classifications: G32, G21, J54, L25 Paper type: Empirical researc

Asymétrie d’information et Rationnement du crédit des PME : Une exploration de la théorie à la pratique

When a banking institution is approached for financing, it often finds itself unable to truly assess the quality of the credit applicant. It faces a problem of adverse selection upstream and moral hazard downstream. Even if it sets up an evaluation procedure aimed at reducing information asymmetry, it structurally has less complete information on the true quality of the company, particularly with regard to its level of risk, which can consequently lead to the emergence of the phenomenon of credit rationing. This scientific article presents a state of the art on credit rationing used by banks against SMEs. Indeed, we looked into the issue of credit rationing for SMEs by seeking on a theoretical and empirical level to identify the key elements that hinder the production of credit for these entities. It emerges from our literature review that the presence of information asymmetry in the credit market and credit rationing can be explained theoretically and empirically as much by micro-economic as macro-economic factors.   Keywords: SMEs, Credit rationing, Information asymmetries, Bank financing. Classification JEL: G2 Paper Type: Theoretical ResearchLorsqu'une institution bancaire est sollicitée pour un financement, elle se retrouve souvent dans l'incapacité d'évaluer réellement la qualité du demandeur de crédit. Elle est confrontée à un problème de sélection adverse en amont et d'aléa moral en aval. Même si elle met en place une procédure d'évaluation visant à réduire l'asymétrie d'information, elle dispose structurellement d'une information moins complète sur la véritable qualité de l'entreprise, notamment en ce qui concerne son niveau de risque, ce qui peut conduire en conséquence à l’émergence du phénomène de rationnement du crédit. Cet article scientifique présente un état de l’art sur le rationnement de crédit utilisé par les banques à l’encontre des PME. En effet, nous nous sommes penchées sur la question du rationnement de crédit des PME en cherchant sur le plan théorique et empirique à identifier les éléments prépondérants qui contrarient la production de crédit à destination de ces entités.  Il en ressort de notre revue de littérature que présence d’asymétrie d’information dans le marché de crédit, le rationnement du crédit s’explique sur le plan théorique et empirique autant par des facteurs micro-économiques que macro-économiques.   Mots clés : PME, Rationnement du crédit, Asymétries d’information, Financement bancaire. JEL Classification : G2 Type du papier : Recherche Théoriqu

Diversity Management in the Small and Medium Sized enterprises: A study applied in the Littoral Region of Cameroon

SME in Cameroon is known as the “corner-stone” of the economy. At the same time, just as the troubling environment conditions the execution of their activities smoothly, so do they become resistant. This piece of work aims to assess the effects of diversity management on the SMEs in Cameroon. To guide ourselves towards achieving this objective, we asked the question, in what way does diversity management affect the SME? In our attempt to answer this question, we opted for a qualitative research approach with inductive reasoning. To be logical, our population of study is made of any SME mindless of its domain of activities within the littoral region of Cameroon and our sampled population is made up of the proprietors and/or the main human resource persons in these enterprises, making a total of six participants retained in this study due to saturation, thanks to the use of an interview guide for data collection; administered through face-to-face contact with the aid of an audio recorder. The collected data were analyzed manually based on thematic analysis. The results from the analysis show that : gender (100%), generational diversity (100%), ethnic and cultural diversity (100%), family status (60%), and inclusion of persons with disabilities (35%), are the main mechanisms of diversity management that are mostly practiced, and at the same time, they have different effects in the SME in Cameroon. This piece of work is limited only to sole SMEs in their domain of activity, which could lead to a multiplication of each case in a further study. To this effect, the different top resource persons in the SME should respect the stipulations of the Cameroon labor code against the practice of discrimination against workers, especially persons with disabilities. At the same time, the workers should be able to distinguish between the workplace and the areas of influence of their traditional titles, except in family-owned SMEs.   Keywords: Diversity, Management, SME JEL Classification: I31 Type of paper: Empirical researchLes PME au Cameroun sont connues comme la « pierre angulaire » de l'économie. Au moment où l'environnement trouble les conditionne dans l'exécution de leurs activités, au point de les rendre résistantes. L'objectif de ce travail est d'évaluer les effets de la gestion de la diversité dans les PME au Cameroun. Pour nous orienter vers cet objectif, nous avons posé la question suivante : de quelle manière la gestion de la diversité affecte-t-elle la PME ? En essayant de répondre à cette question, nous avons opté pour une approche de recherche qualitative avec un raisonnement inductif. Dans un souci de logique, notre population d'étude est constituée des PME de la région littorale du Cameroun, sans tenir compte de leur domaine d'activités. Notre population échantillonnée est composée des propriétaires et/ou des principales personnes ressources humaines de ces entreprises pour un nombre de six participants retenus dans cette étude en raison de la saturation, grâce à l'utilisation d'un guide d'entretien pour la collecte de données administré par un contact en face à face à l'aide d'un enregistreur audio. Les données collectées ont été analysées manuellement sur la base d'une analyse thématique. Les résultats de l'analyse montrent que : le genre (100%), la diversité générationnelle (100%), la diversité ethnique et culturelle (100%), la situation de famille (60%) et l'inclusion des personnes handicapées (35%) sont les principaux mécanismes de gestion de la diversité qui sont le plus souvent pratiqués. En même temps, ils ont leurs effets différents dans la PME au Cameroun. Ce travail est limité uniquement aux SME dans leur domaine d'activité. Cette étude pourrait procéder à une multiplication de chaque cas dans une étude ultérieure. À cet effet, les différentes personnes les plus qualifiées dans la PME devraient respecter les dispositions du code du travail camerounais contre la pratique de la discrimination à l'égard des travailleurs, en particulier des personnes handicapées. Dans le même temps, les travailleurs devraient être en mesure de distinguer le lieu de travail et les domaines d'influence de leurs titres traditionnels, sauf dans les PME familiales.   Mots-clés : Diversité, Gestion, PME JEL Classification : I31 Type du papier : Recherche Empiriqu

Territorial marketing and tourist attractiveness: Case of Souss Massa region

This article delves into the pivotal role of territorial marketing in boosting tourism attraction, with the Agadir Souss Massa region serving as a case study. It examines how the region has formulated and implemented territorial marketing tactics to elevate its status as a top tourist destination. The investigation of regional players' perceptions of Territorial Marketing in Souss Massa underscores numerous crucial aspects vital for the region's development and promotion. Through an analysis encompassing theoretical frameworks, practical applications, and empirical findings, the article aims to address the following query: To what extent does territorial marketing contribute to the allure of the Souss Massa region for tourists? Employing a qualitative approach, the study endeavors to facilitate free expression of views among informants and field workers on the subject matter. The paper extensively explores the core components of these strategies, encompassing the promotion of natural and cultural attractions alongside local infrastructure. It underscores Agadir Souss Massa's success in crafting a unique and memorable identity through strategic and innovative marketing endeavors. In summary, the research underscores the intricacies of how Territorial Marketing is perceived within the Souss Massa region. While stakeholders acknowledge its potential as a competitive asset, persistent challenges such as funding constraints, skills shortages, and resistance to change remain. Ensuring successful integration requires close collaboration, heightened coordination, and an innovative mindset. By seizing the opportunity to steer their strategies towards well-conceived and well-coordinated Territorial Marketing, regional players can propel the Souss Massa region towards new vistas of development and attractiveness.     Key words: Territorial marketing, tourist appeal, promotion. JEL Classification : Z33, M31, O18, R11 Paper type: Empirical researchThis article delves into the pivotal role of territorial marketing in boosting tourism attraction, with the Agadir Souss Massa region serving as a case study. It examines how the region has formulated and implemented territorial marketing tactics to elevate its status as a top tourist destination. The investigation of regional players' perceptions of Territorial Marketing in Souss Massa underscores numerous crucial aspects vital for the region's development and promotion. Through an analysis encompassing theoretical frameworks, practical applications, and empirical findings, the article aims to address the following query: To what extent does territorial marketing contribute to the allure of the Souss Massa region for tourists? Employing a qualitative approach, the study endeavors to facilitate free expression of views among informants and field workers on the subject matter. The paper extensively explores the core components of these strategies, encompassing the promotion of natural and cultural attractions alongside local infrastructure. It underscores Agadir Souss Massa's success in crafting a unique and memorable identity through strategic and innovative marketing endeavors. In summary, the research underscores the intricacies of how Territorial Marketing is perceived within the Souss Massa region. While stakeholders acknowledge its potential as a competitive asset, persistent challenges such as funding constraints, skills shortages, and resistance to change remain. Ensuring successful integration requires close collaboration, heightened coordination, and an innovative mindset. By seizing the opportunity to steer their strategies towards well-conceived and well-coordinated Territorial Marketing, regional players can propel the Souss Massa region towards new vistas of development and attractiveness.     Key words: Territorial marketing, tourist appeal, promotion. JEL Classification : Z33, M31, O18, R11 Paper type: Empirical researc

Bottom of the Pyramid Strategies as a Development Tool: Case of Morocco Microfinance

Microfinance emerges as a special tool for Bottom of the Pyramid (BoP) strategies developed by Prahalad (2005). It has an interesting history in Morocco since 1993 with a non-profit organization granting small loans to rural women (Diani, 2019). The initiative has aroused the interest of public authorities and international institutions, allowing a considerable growth of microfinance (Duval, 2001). Using a systematic review of empirical articles, this paper aims to explore how BoP strategies function as a development tool in Moroccan microfinance. We’ll consider financial outcomes as income, saving, expenditure, accumulation of assets, and expanding current activities; as well as non-financial outcomes including health, food security and nutrition, education, child labor, and women’s empowerment. We’ll examine the regulatory environment, key players, and trends in the sector, assessing the impact of microcredit on low-income populations. We’ll also identify challenges and opportunities to enhance financial inclusion and economic development in Morocco. The mixed outcomes of microcredit impact on poor populations all over the world pushed us to investigate the case of Morocco, answering the question: Does microcredit combine social development with profitability? We find positive impacts for borrowers, even if, in some cases, talk about non-significant outcomes whose causes must be sought elsewhere, such as the transformative effect (Banerjee et al., 2015) or loan delinquency (Chong, 2021).   Keywords: BoP strategies, microcredit, impact, Morocco. JEL Classification: G21, O15, O16, O19 Paper type: Theoretical Research  La microfinance apparaît comme un outil spécial pour les stratégies du bas de la pyramide (BdP) développées par Prahalad (2005). Elle a une histoire intéressante au Maroc depuis1993 avec une organisation à but non lucratif accordant de petits prêts aux femmes rurales (Diani, 2019). L’initiative a suscité l’intérêt des pouvoirs publics et des institutions internationales, permettant une croissance considérable de la microfinance (Duval, 2001). En utilisant une revue systématique d’articles empiriques, cet article vise à explorer comment les stratégies de la BoP fonctionnent comme un outil de développement dans la microfinance marocaine.  Nous examinerons les résultats financiers comme les revenus, l’épargne, les dépenses, l’accumulation d’actifs et l’expansion des activités courantes, ainsi que les résultats non financiers, y compris la santé, la sécurité alimentaire et la nutrition, l’éducation, le travail des enfants et l’autonomisation des femmes. Nous examinerons l’environnement réglementaire, les principaux acteurs et les tendances du secteur. Nous identifierons également les défis et les opportunités pour améliorer l’inclusion financière et le développement économique au Maroc. Les résultats mitigés de l’impact du microcrédit sur la population pauvre mondiale nous à pousser à investiguer le cas du Maroc, répondant à la question : Le microcrédit combine-t-il le développement social avec la rentabilité ? Nous constatons un impact positif pour les emprunteurs, même si, certains cas, révèlent des résultats non significatifs dont les causes sont à rechercher dans l’effet transformateur (Banerjee et al., 2015) ou la délinquance du prêt (Chong, 2021).   Mots-clés : stratégies BoP, microcrédit, impact, Maroc. Classification JEL : G21, O15, O16, O19 Type de l’article : Recherche Théorique   &nbsp

L’investissement en éducation et santé permet-il une efficience régionale d’emploi au Maroc ?

Investment in education and health is essential for stimulating employment and regional economic growth (Barro and Lee, 2013). However, regional disparities in economic outcomes continue to grow due to poor allocation and deployment of resources in terms of regional human capital development in the long term (Benko, G., and Lipietz, A. 1991). This calls for an analysis of the efficiency of regional social policies to mitigate regional inequalities. In Morocco, the inequitable distribution of social infrastructure, including the number of schools, teachers, as well as the number of doctors, increases regional disparities in employment and economic growth (HCP, 2018). In this context, the present study focuses on the efficiency of education and health policies in Morocco using the Data Envelopment Analysis (DEA) method. To do this, we used the Regional Human Development Index (HDI) with other economic and social variables such as the student-teacher ratio and the number of doctors per 1000 inhabitants for the year 2022, as inputs to measure the efficiency of these policies in relation to the employment rate and regional GDP per capita. The results show that the Oriental, Fès-Meknès, Rabat-Salé-Kénitra, Casablanca-Settat, and Laâyoune-Sakia El Hamra regions are less efficient in terms of the employment rate compared to other regions. However, the Béni Mellal-Khénifra, Darâa-Tafilalet, and Southern regions are the most successful in terms of regional GDP per capita.    Keywords: Data Envelopment Analysis, employment, GDP per capita, human capital, education, healthcare, region, Morocco Classification JEL: E24, J24, I1, H52, R1 Paper type: Empirical ResearchL'investissement en éducation et en santé est essentiel pour stimuler l’emploi et la croissance économique régionale (Barro et Lee, 2013). Cependant, les disparités régionales au niveau des fruits de l’économie restent croissantes dues à une mauvaise allocation et déploiement des ressources au niveau de la valorisation du capital humain régional à long terme (Benko, G., et Lipietz, A. 1991). Ce qui nécessite une analyse d’efficience des politiques sociales régionales pour atténuer les inégalités régionales. Au Maroc, la répartition inéquitable des infrastructures sociales, notamment, le nombre des écoles, des enseignants, ainsi que le nombre des médecins augmentent les disparités régionales au niveau d’emploi et de la croissance économique (HCP, 2017). Dans ce contexte, la présente étude se focalise sur l'efficience des politiques en éducation et en santé au Maroc à travers la méthode d’enveloppement des données (DEA). Pour ce faire, on a utilisé l'Indice de Développement Humain régional (IDH) avec d'autres variables économiques et sociales telles que le taux d’encadrement des élèves et le nombre de médecins pour 1000 habitants pour l'année 2022, comme étant des inputs pour mesurer l'efficience de ces derniers par rapport au taux d’emploi, et le PIB par habitant régionale. Les résultats montrent que les régions de l'Oriental, Fès-Meknès, Rabat-Salé-Kénitra, Casablanca-Settat et Lâayoune-Sakia El Hamra sont moins efficientes au niveau du taux d’emploi par rapport aux autres régions. Cependant, les régions Béni Mellal-Khénifra, Darâa-Tafilalet et les régions du Sud sont les plus performantes en termes de PIB régional par habitant.   Mots-clés : Analyse enveloppement des données, emploi, PIB par habitant, capital humain, éducation, santé, région, Maroc…. JEL Classification : E24, J24, I1, H52, R1 Type du papier : Recherche empiriqu