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PERSPECTIVES OF ISLAMIC BANKING
IN MOROCCO
Abstract
After few years of the marketing of alternative banking products in Mo rocco, it is advisable to make a preliminary assessment of the current situ ation of these products, their marketing and the satisfaction of Morocca ns. The objectives of this work are to diagnose the market of alternative pr od ucts in Morocco, evaluate the satisfaction of Moroccans toward alternative products, observe the interest of Moroccans in the use of alternative prod ucts and develop a synthesis and recommendations based on the weak Data was collected using Google survey and help from some Moroccan bank's staff, and SPSS was used for data analysis.Keywords:
Islamic Banking, Alternative Banking Products, Morocco,Islamic Finance, Banking.
JEL Codes:
F65, G21.
Özet
MBA, Institute of Social Sciences, Istanbul Aydin University, Istanbul,Turkey, er-
rabtiyasser7@gmail.com, Orcid Id: 0000-0002-6729-5371Yasser , 52Anahtar Kelimeler:
F65, G21.
1. Introduction
Many Moroccans consider banks not conform to the precepts of Is lam and deal with them only in extreme need. Left to parallel chan carrying interest. But such practices, which exist outside the control the world, as well as the growing number of conventional banking in In Morocco, according to statements made in the press by Belka cem Boutayeb, consultant MENA / Africa, former director of the Dar approaching the Moroccan monetary authorities with a view to their implantation in the kingdom. Also, there was an attempt by Wafabank to create a Moroccan-Mo- Moroccan government does not support the creation of an Islamic banking system. this latter, by bringing an ethical and moral dimen 532. The central bank of Morocco gives in to banks and market pressure
In October 2006, BAM, the central bank of Morocco gave in to the pressures of the banks and the market, by developing a regulatory framework for three Islamic Shariah-compliant products called alter ha and Moucharaka. The goal is to expand the range of banking ser vices and contribute to a better banking of the economy. money with traditional banks in the form of unproductive deposits, this is also the case, as they currently represent 53% of cash deposits in Moroccan banks. Moreover, demand deposits with banks continue to pared to the same date of the previous year. While during the same Among the Moroccan banks that have already started to mar rabaha, as well as they have introduced the deductibility of the bank2010 VAT is applied only on the margin of the bank - and not on the
entire maturity - and at the rate of 10% only against 20% previously. Once the atmosphere became relatively adequate, it was time to allow the installation of local institutions essentially dedicated to the marketYasser
543. Empirical Application:
3.1. Hypothesis
The Hypothesis tested are:
tive loans satisfying. blocking the choice or the development of the level of alternative loans contracted. v. Whether the borrower is alternative or conventional they have the same idea about the principles of Islamic Finance. vi. Whether the user use classic or alternative loan they have same idea of new type of loan adoption.3.2. Sampling Method
With: of 5. The sampling mode was random-aleatory, including people who contracted a loan or not. Data was collected using Google survey and help from some Mo roccan bank's staff, and SPSS was used for data analysis. 553.3. Summary of Survey Frequencies
Table 1: Socio-Demographics
GenderFrequencyPercentage
Male20049,9
Female20150,1
Total401100,0
AgeFrequencyPercentage
Less than 20133,2
20 - 30
30 - 409423,4
40 - 50143,5
More than 50123,0
Total401100,0
SalaryFrequencyPercentage
- 2000 MAD20,02000 - 4000 MAD20,2
4000 - 6000 MAD6917,2
6015,0
11127,7
Total401100,0
Socio-professional categoryFrequencyPercentage
Student10626,4
Employee22255,4
Merchant71,7
Liberal profession5313,2
133,2Total401100,0
FrequencyPercentage
17042,4
Rabat4411,0
Marrakech112,7
Fes2,0
Tanger164,0
Agadir92,2
Settat2,5
Other14135,2
Total401100,0Yasser ,
56Table 2: Borrowers Behavior
Reason for contracting a loanFrequencyPercentage
House5012,5
Vehicle32
317,7Business1,2
Studies153,7
Total12932,2
Type of the loan contractedFrequencyPercentage
29,4112,7
Total12932,2
Table 3: Satisfaction Vis-à-vis Alternative Loans Mark given to the alternative productsFrequencyPercentage110526,2
2266,5
35614,0
435517,0
64912,2
7297,2
143,5941,0
10153,7
Total401100,0
FrequencyPercentage
14636,4
9924,7
11127,7
7,0 174,2Total401100,0
FrequencyPercentage
22656,4
7412,0 57
7,0 256,2
Total401100,0
DurationFrequencyPercentage
1159623,9
12631,4
297,235
Total401100,0
Monthly paymentFrequencyPercentage
10024,9
7919,7
36,94611,5
7,0Total401100,0
Process of according a loanFrequencyPercentage
10927,2
21,412631,4
4210,5
9,5Total401100,0
Brakes to the choice of alternative loansFrequencyPercentageLack of communication:19749,1
10726,7
Sold by commercial banks307,5
Non conformity with the Shariah5614,0
The offer is not suitable112,7
Total401100,0
Absence of interestFrequencyPercentage
Strongly don't support307,5
Don't support205,0
Neither Support Nor don't support72
Support317,7
Strongly Support
Total401100,0
Yasser
Prohibition of speculationFrequencyPercentage
Strongly don't support225,5
Don't support194,7
Neither Support Nor don't support9323,2
Support6115,2
Strongly Support20651,4
Total401100,0
No funding to unlawful sectorsFrequencyPercentage
Strongly don't support5313,2
Don't support205,0
Neither Support Nor don't support9623,9
Support14,5
Strongly Support17443,4
Total401100,0
Sharing risksFrequencyPercentage
Strongly don't support12,0
Don't support71,7
Neither Support Nor don't support20,4
Support20,2
Strongly Support45,6
Total401100,0
alternative loan's demandFrequencyPercentage25162,6
Duration194,7
9523,7
369,0Total401100,0
Willingless to adopt an islamic
FrequencyPercentage
Yes29072,3
No11127,7
Total401100,0
alternative and classic loansFrequencyPercentageYes70,3
No11929,7
Total401100,0
59There was about the same frequency of female and male, most them aged between 20-40, and with a distribution of salaries from all classes the economic capital of Morocco is the city where the majority are from and about 46% of them from Rabat the capital and other cities. Most borrowers used the loan to purchase a house or vehicle, about
91% of them used classic loan, and the rest used an alternative one said
Islamic.
3.4. Hypothesis Tests
i. Moroccan borrowers have different ideas of criteria based on their cost, conformity to Shariah, duration, monthly payment and process of according the loan attitude. xTable 4: Result of Kruskall Wallis Tests
to ShariahDurationMonthly paymentProcess of according the loan9,3739,310
df33333 asymp. Sig.,025,010,025,275 ii. The type of loan contracted (Alternative or conventional) is notYasser
60Table 5: Result of Kruskall Wallis Tests
Which kind of loan you contracted?
4,412 df4 asymp. Sig.,353 sons blocking the choice or the development of the level of alterna tive loans contracted.Table 6: Result of Kruskall Wallis Tests
Why people doesn't choose alternative loans?
df4 asymp. Sig.,001 iv. Knowing the difference between the alternative and the conTable 7: Result of Mann-Whitney Tests
Do you know the difference between the classic
and the alternative loans?Mann-Whitney U
,126 v. Whether the borrower is alternative or conventional they have the same idea about the principles of Islamic Finance. 61Table 8: Result of Kruskall Wallis Tests
Absence of
InterestProhibition of
speculationNo funding to unlawful sectorsSharing the risk11,0552,6233,697
df4444 asymp. Sig.,026,623,449 vi. W hether the borrower used classic or alternative loan they have same idea of new type of loan adoption.Table 9: Result of Mann-Whitney tests
Are you ready to adopt an islamic loan in the
future?Mann-Whitney U495,000
,0743.5. Result Summary
i. Moroccan borrowers have different ideas of criteria based on their cost, conformity to Shariah, duration, monthly payment and process of according the loan attitude. loan, its conformity to Shariah, duration, monthly payment, Moroccan borrowers have different attitudes through kind of criteria. Except for difference and borrowers have common attitude regarding these criteria. ii. The type of loan contracted (Alternative or conventional) is not reason of contracting a loan is dependent on the type of loan.Yasser
62sons blocking the choice or the development of the level of alterna tive loans contracted. criteria blocking the development of the level of alternative loans con iv. Knowing the difference between the alternative and the con knowledge of the difference between them. v. Whether the borrower is alternative or conventional they have the same idea about the principles of Islamic Finance. the two groups for 3 principles of Islamic Finance, which are: prohibi of Islamic Finance, except the absence of interest. vi. W hether the borrower used classic or alternative loan they have same idea of new type of loan adoption. means that there isn't a statistically difference in the groups. Thus, whether the borrowers used a conventional or alternative loan, they have the same idea about adopting a new type of loan in the future.
4. Conclusion
An empirical application has been done to investigate the situation of Islamic banking product, said alternative in Morocco. To go through this, a sample of 401 person was used, and elaborated hypothesis to test after collection answers of the participators. 63the borrowers towards loan criteria such as cost, conformity to shariah, criterias. The type of loan contracted, alternative or conventional, from the test, shown that it is dependent on the reason why it is contracted such as spending it on a house, vehicle. The test shown that there is a sig survey. Also, the results shown that the criteria blocking the development ou thought. Further, knowing the difference between the type of loan, alterna the type of loan, as the results shown. The test also proved that Moroccan borrowers accept the princip to unlawful sectors and the risk sharing. But they don't have a com mon tought about the absence of interest. Fot this latter, the test shown that there was a statistically difference. Thus, this result align with our thought except for the absence of interest. Finally, the test proved that all borrowers are ready to adopt a new type of loan, whether they used a conventional or alternative loan pre viously. The results shown that there wasn't statistically difference and that goes well with our hypothesis. Indeed, will it be able to ensure a strong expansion and a global deve lopment while remaining faithful to its values and its principles? Here its status and ensure its development on a global scale.
Yasser
64References
. Paris Dauphine University. : Pratique et perspectives. 159.quotesdbs_dbs29.pdfusesText_35
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