Nicole Tode evaluates the possible institutional development of Moroccan microcredit
associations which intend to transform themselves from the status of non-governmental
institutions (NGOs) into regulated microfinance banks. Such a transformation might increase
their asset base number of clients average loan balance and outreach thus having a positive
impact on microcredits in Morocco. The study for which a comprehensive number of data sets
from the microfinance information exchange (MIX) database was meticulously analyzed addresses
everybody dealing with or interested in the challenging situation NGO microfinance institutions
find themselves in when planning to become commercial banks.
