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Marokko: Zahlungsverzögerungen haben sich verbessert, sind aber immer noch zu lang.

Morocco: payment delays are improving but remain too long

Die vierte Coface-Umfrage zu den Zahlungsbedingungen in Marokko zeigt eine Situation, die trotz einer leichten Verbesserung weiterhin besorgniserregend ist.

Coface stellt seine vierte Umfrage zum Zahlungsverhalten von Unternehmen in Marokko vor. Diese Anfang 2019 durchgeführte Umfrage zielt darauf ab, die Entwicklung der Zahlungsbedingungen und Verzögerungen zwischen den verschiedenen marokkanischen Wirtschaftsakteuren zu verfolgen.


(Publikation ist nur in ENG oder FRA erhältlich)


Payment terms of 93 days on average

Moving from an average of 99 to 93 days, contractual payment terms remain long and widespread. Nearly half of those surveyed said they had experienced delays of more than 180 days.

The maximum legal time limit of between 60 and 90 days is therefore far exceeded. But it should be noted that companies have noticed an improvement over the last six months, with a special mention for government services and public companies, who are proving to be better payers.

This shortening of deadlines is also observed in the four main sectors: information and communication technologies (from 107 days to 86 days), construction (from 105 to 100), distribution (from 102 to 96), and agri-food (from 90 to 86).


Unpaid bills that screen microenterprises and SMEs

Nevertheless, the level of unpaid bills remains high. 24.6% of respondents report unpaid invoices for 20% of their turnover. Microenterprises and SMEs are particularly affected. More than half of microenterprises suffer from non-payments representing more than 15% of their turnover, making them extremely vulnerable and leading some to bankruptcy.

It should be noted that for 80% of companies, no late payment penalties are implemented.


A climate between caution and optimism

The majority of companies believe that payment delays will remain stable over the next six months, but a third expect even longer delays.

The evolution of the Moroccan economic context as a whole is seen as problematic, with 48% of respondents who believe that it will deteriorate. But when asked about their own evolution, 58% of companies think that their turnover will increase, and their cash flow will stabilize. The same proportion plans to invest in the next six months.


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Julie SOUM

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