The challenges of financing social and solidarity economy initiatives in Morocco within the context of an economic crisis[Les défis du financement des initiatives de l'économie sociale et solidaire au Maroc dans un contexte de crise économique]

The social and solidarity economy (SSE) in Morocco is regarded as an essential mechanism for socio-economic advancement, particularly in rural locales and among underprivileged demographics. Comprising a multitude of entities, including cooperatives and social enterprises, SSE endeavors to address local demands while simultaneously generating socio-environmental advantages. It serves a pivotal function in combating poverty, fostering employment, and promoting social cohesion. Nonetheless, within an economic landscape characterized by persistent crises, SSE stakeholders encounter considerable financial impediments that jeopardize their viability and long-term sustainability.Among the principal challenges are economic restructuring, the curtailment of public expenditure, and the scarcity of private financial resources. According to the World Bank, these obstacles impede access to essential financial assistance for SSE initiatives, thereby compromising their capacity to flourish. Furthermore, the complications associated with leveraging traditional financing avenues and the unconventional business paradigms of SSE entities exacerbate their engagement with conventional financial instruments.This article conducts an examination of the financial challenges confronting SSE in Morocco, concentrating on immediate issues as well as systemic factors such as the regulatory framework and the deficiency of investor cognizance. It also proffers innovative strategies and public-private partnerships that have the potential to enhance access to financial resources for these initiatives.The central inquiry of the article pertains to how SSE initiatives in Morocco can surmount financial hurdles amidst a challenging economic environment. Analyzing these dynamics and the proposed remedies underscores the critical significance of SSE in the pursuit of a sustainable and equitable future for Moroccan communities