Call for Income Improvement and Economic Inclusion Projects (Morocco)

The National Initiative for Human Development (INDH) – Phase III (2026) has launched a call for proposals in Taroudant Province, Morocco under the Income Improvement Axis. The program offers up to AED 200,000 per project, covering 90% of costs, to support cooperatives and youth or women’s economic groups that create sustainable employment and strengthen local production chains. Projects must demonstrate economic viability, job creation potential, and compliance with legal requirements.

Program Overview

The Regional Committee for Human Development in Taroudant Province has opened applications under the Income Improvement Axis of Phase III (2026) of the National Initiative for Human Development (INDH).

The program focuses on:

• Economic inclusion

• Sustainable livelihoods

• Social and solidarity economy development

• Job creation in rural and urban communities

It aims to strengthen local economic ecosystems and reduce vulnerability through structured support for income-generating initiatives.

Objectives of the Program

The initiative seeks to:

• Promote the social and solidarity economy

• Support economic inclusion of young people and women

• Enable cooperatives and economic interest groups to access financial and technical support

• Enhance local production chains

• Create sustainable employment opportunities

Priority is given to projects that contribute to long-term income stability and regional economic growth.

Funding Details

Maximum Grant Amount: Up to AED 200,000 per project

Funding Coverage:

• Covers up to 90% of total project cost

• Requires a minimum 10% financial contribution from the project owner

In addition to financial support, selected applicants receive:

• Technical assistance

• Proposal development guidance

• Institutional coordination with relevant government agencies

Who Is Eligible?

Eligible applicants include:

• Cooperatives and cooperative unions

• Women’s economic interest groups

• Youth economic interest groups

Key Conditions

• Women must represent more than 50% of beneficiaries

• Groups must be organized in accordance with Law 112-12

• The entity must comply with legal and financial regulations

Eligible Projects

Projects must:

• Demonstrate high return potential

• Show the ability to generate real employment opportunities

• Align with local production chain studies

Sectors considered eligible include:

• Agriculture

• Traditional industries and crafts

• Tourism

• Services

Income-generating initiatives connected to structured production chains are strongly encouraged.

Required Application Documents

Applicants must submit a complete file containing:

1. A formal request addressed to the Regional Governor

2. Certificate confirming the applicant does not practice any public or private professional activity

3. Legal documents of the entity carrying the project

4. Financial documents of the entity

5. Technical and financial feasibility study

6. Project card using the approved model

7. Certified financial status of the entity for the past year

8. Supporting documents explaining the project concept

Incomplete files may result in rejection.

Selection Process

The selection process occurs in two phases.

Phase 1: Technical Support and Training

• Project holders receive technical training

• Assistance is provided to strengthen and finalize application files

• Capacity-building support ensures compliance with program standards

Phase 2: Evaluation and Approval

• Completed proposals are presented to the Regional Committee

• Projects are evaluated based on eligibility, viability, and impact

• Projects meeting conditions and standards are selected for funding

Why This Program Matters

The Income Improvement Axis supports:

• Economic empowerment of women and youth

• Local entrepreneurship

• Sustainable employment creation

• Strengthening of rural and regional value chains

• Reduction of poverty and vulnerability

By combining funding with technical support, the program increases the likelihood of long-term project sustainability.

How to Apply (Step-by-Step Guide)

Step 1: Confirm Eligibility

Ensure your cooperative or group:

• Is legally registered under Law 112-12

• Meets the 50% women beneficiary requirement

• Has compliant legal and financial documentation

Step 2: Develop a Feasible Project

Prepare a project that:

• Demonstrates economic viability

• Aligns with agriculture, crafts, tourism, or services sectors

• Shows clear employment generation potential

Step 3: Prepare Documentation

Compile all required legal, financial, and technical documents including a feasibility study and certified financial statements.

Step 4: Participate in Phase 1 Training

Engage in technical assistance sessions to strengthen your proposal.

Step 5: Submit Complete Application

Submit the finalized file for evaluation by the Regional Committee.

Common Mistakes to Avoid

• Failing to meet the 10% co-financing requirement

• Submitting incomplete financial documentation

• Not aligning the project with production chain priorities

• Weak or unrealistic feasibility studies

• Non-compliance with Law 112-12

• Insufficient evidence of employment creation

Strong technical preparation increases approval chances.

Frequently Asked Questions (FAQ)

1. What is the maximum funding available per project?

Up to AED 200,000, covering 90% of project costs.

2. How much co-financing is required?

Applicants must contribute at least 10% of total project cost.

3. Who can apply?

Cooperatives, cooperative unions, and women’s or youth economic interest groups organized under Law 112-12.

4. Are individual entrepreneurs eligible?

No. The program targets organized cooperatives and economic interest groups.

5. What sectors are eligible?

Agriculture, traditional industries, tourism, and service-based income-generating initiatives.

6. Is technical support provided?

Yes. Applicants receive training and proposal development support during Phase 1.

7. How are projects selected?

Projects undergo technical preparation followed by evaluation by the Regional Committee based on viability and impact.

Conclusion

The National Initiative for Human Development 2026 in Taroudant Province provides substantial financial and technical support to strengthen economic inclusion and sustainable livelihoods.

With funding up to AED 200,000 and structured mentorship, this program offers cooperatives and youth or women’s economic groups a strong opportunity to build viable, employment-generating projects that enhance local production chains and promote long-term regional development.