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Bertrand Mareschal

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« on: April 08, 2020, 04:35:18 PM »
Business Intelligence: Endowing actors of sustainable development to improve the accompanying of the youth
Aomar IBOURK, Professor at UCAM, GRES, Marrakech
Riad HANSALI, researcher in International Management & Logistics, Marrakech
Globalisation has reached a transitional period of time, that rushes all economies into rethinking
their business culture; and emerging countries are as concerned as the leading powers now more
than ever. The rise of the youth has stimulated the global economy in a way that coerced
governments to listen and to reach out with helping strategies.
In Morocco, we are hereby more focused on providing the necessary and basic support, in terms
of both training and financing, and under the flag of sustainable development. INTILAKA,
known as the integrated business support and financing program, launched few weeks ago, is one
among the mentioned programs, that is generating great enthusiasm among young people.
Moreover, the banking sector reaffirms its commitment to the success of the said program.
Based on confirmative reports, is has been stated by the Minister of the Economy, Finance and
Administration Reform, the aim of the program goes beyond the act of financing into
encompassing the structural transformation of the economy.
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It is to mention that the latter program has been created in order to complete and accomplish
what the previous program (Moukawalati) had failed to. The Intilaka program has been
developed to meet royal directives and includes three products.
The first product is “Damane Intilak” which aims to cover a large section of national
entrepreneurs, in particular self-entrepreneurs, holders of graduate projects, different structures
which are today in the informal sector to bring them back to the formal sector, also small
businesses at service level. It is therefore a question of accompanying through the most difficult
phases because access to financing is always difficult at the level of the creation of the company
and during the first five years of existence when the companies are fragile and are more exposed
to external disruptions.
Technically, this product is intended for companies who have less than five years of existence,
which makes or plans to make less than 10 MDH, and whose request of the banking sector
relates to two types of financing: either an investment loan during the creation phase or to
finance short-term operations. Another feature of this product is that it is capped at 1.2 MDH at
an interest rate of 2%, with a Central Guarantee Fund of up to 80%. This product will also
benefit from the automatic granting of guarantees upon agreement of the bank.
Its rural counterpart also concerns medium and small businesses in the agricultural sector and
other sectors as well as small agricultural activities. Any similar project is likely to have a strong
impact on the development of the rural entrepreneurship. Again, the Central Guarantee Fund
offers its guarantee to bring serenity to the banking sector. The loan is capped at 1,2 MDH at
1.75% interest rate.
The last product’s purpose “Start TPE”, is to finance working capital requirements, it was capped
at 50.000 DH at 0% interest rate. It is an honorary loan that the company agrees to repay as soon
as the project begins to make profit.
Since they are more engaged in the matter, and in accordance to the main topic of this paper, the
endowing actors of sustainable development are banks essentially. The idea is that they should
implement the most practical information systems in their facilities, in order to gather reliable
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and significant amounts of data to be turned into factual information about their clients.
Exploiting data science and back it up with big data analytics is what makes an organisation
business intelligent. In others words, banks are to collect reliable information about loan
candidates before confirming any file acceptance; this will allow them the predict the insolvency
of the young entrepreneurs. By doing so, these organisms can simultaneously exert genuine risk
assessment and keep on stimulating the national economy.
The main purpose of the paper is to explain how artificial intelligence practices and big Data
science can be deployed as risk assessment and insolvency forecast learning methods,
maneuvered by the banking sector as a major contributor into sustainable development.
Narrowing the gap between political insight on sustainable development and insolvency risk
management, is by far the main challenge that needs to be dealt with. The added value is to
expose the relevance of a “yet-not-explored” path, and to project its importance on concrete case
The studies conducted in this matter are mainly focused on:
• Transitioning from a classical and passive “benchmark”, into a methodical and technologically
based strategy.
• Showing the importance of endowing actors of sustainable development both as a social and an
economic leverage.
• Emphasizing on the importance of Big Data science and AI, to protect actors of sustainable
development from insolvency risks.
• Progressing from insolvency forecasts and preventives measures, into Business Intelligence.
• Data science
• Preventive measures
• Artificial intelligence
• sustainable development
• Insolvency forecast
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• BERNARD MARR, “What Is The Relationship Between KPIs And Big Data?” 1st edition; December
• Narayanan, S., Samuel, P. & Chacko, M. “Improving prediction with enhanced Distributed Memorybased
Resilient Dataset Filter”. J Big Data 7, 13 (2020).
• Rizk, A., Elragal, A. Data science: “developing theoretical contributions in information systems via
text analytics”. J Big Data 7, 7 (2020).
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