Actuality

Public utility association 52, Av. Hassan II - Casablanca - 20100 - Morocco Programmes Phone : +212 5 29 01 15 14/15 - Fax : +212 5 29 01 15 16 Partners E-mail : [email protected] www.injaz-morocco.org ANNUAL REPORT 2014-2015 Excerpt from a message of His Majesty the King Mohammed VI On the occasion of the 5th World Entrepreneurship Summit November 20th, 2014

«...One is not born an entrepreneur, one becomes an entrepreneur by embarking on the road to success in an interactive process involving hard work, learning and a capacity to deal with challenges. Entrepreneurs are people who challenge the established order and the status quo. They One is not born do not hesitate to respond – at their own level – to needs that are yet to be identified, an entrepreneur, that are unmet or that are new. one becomes an Entrepreneurship and innovation are twin values; they are both springboards for entrepreneur freedom, social mobility and prosperity, provided the business environment is favorable and the required conditions are met. Education is an essential step, a prerequisite for the maturation process that leads people to think critically and to hone their skills so that they are able to seize an economic, technological or social opportunity when they see one. Therefore, it is up to us to provide future generations with an education that goes beyond the mere «accumulation-transmission» process in order to develop creativity, responsiveness and inventiveness...» Our mission Encouraging initiative-taking and developing the entrepreneurial skills of the Moroccan youth SUMMARY 6. INJAZ in figures attending state schools 10. Key stages of our development 12. 2020 Development plan Our vision 16. A year through pictures Providing youth attending Moroccan state schools, from middle 2015-2014: strategy and organisation school to university levels, with appropriate educational 18. programmes that are delivered by professionals from the corporate world and ensuring that they understand the nuts and 34. Success stories bolts of how to launch and manage a company, making sure that they are prepared for the challenges of the professional world. 48. Management report 52. Financial report Our approch 58. Combined General Meeting resolutions Our ambitions To achieve this mission, our association involves 60. Partners Develop an entrepreneurial culture among youth volunteers, business executives, in public schools Better integrate youth into the business sector from middle-school to university, during 2 hours per Board of Directors Involve the private sector in education week for few weeks, to facilitate Junior Achievement 70. Promote a volunteerism culture in society Worldwide entrepreneurship programmes, world Improve educational opportunities leader in entrepreneurship education since 1919. 71. INJAZ’s Team TESTIMONIALS

Mr. Hassan OURIAGHLI Mr. Mhammed ABBAD ANDALOUSSI Chairman and CEO Chairman SNI INJAZ Al-Maghrib

Mr. Rachid BENMOKHTAR Mrs Miriem BENSALAH Mr. Akef AQRABAWI n 2007, INJAZ Al-Maghrib Association was founded under the aegis of the SNI. ach one of us has a duty to leave behind a better world for future generations Ministry of National Education CHAQROUN CEO of INJAZ Al-Arab I Eight years later, at a Board meeting held in September 2015, acting on the E or at least, give them the means to achieve their ambitions. proposal of Mr Mounir El Majidi, Chairman of the holding company Siger, its INJAZ Al-Maghrib has made this its credo since it was founded in 2007. and Vocational Training Chairman of the CGEM majority shareholder, SNI, fully aware of its social responsibility, decided to In 2014-2015, more than 17,000 youth participated in our training place entrepreneurship at the very core of its CSR strategy. programmes, an increase of more than 70% compared to the previous year, «INJAZ Al-Maghrib is one of the most «The school system plays a crucial «Ever since its inception, INJAZ Al-Maghrib In order to fulfil its commitment, SNI decided to call upon INJAZ Al-Maghrib with long programmes seeing strong growth (+95%). Our aim for 2020 is to train 200,000 youth across the entire country by mobilising all our partners and important partners of the Ministry of role in meeting the challenges of our has met with incredible success and Association had achieved a remarkable track record, gaining credibility both volunteers in our project. National Education and Vocational youth’ employability. has grown exponentially, delivering at national and international levels. Training. INJAZ brings together That is why the General Confederation high quality training programmes. I am Now more than ever, we need to rise to the challenge of offering our In practical terms, this decision resulted in SNI significantly increasing its students relevant, high-quality training programmes whilst being able to senior executives and an of Moroccan Enterprises (CGEM) pleased to see that INJAZ Al-Maghrib funding from 19% to 50% of INJAZ’s budget as well as providing the maintain the uniqueness and the quality of our educational style. ever-growing number of students. encourages executives from the Association with rent-free use of its premises. has achieved such solid growth in such At the Combined General Meeting of December 21st, 2015, INJAZ announced a These students have an opportunity private sector to give of their time, a small time-frame. I am convinced In addition to providing financial support, SNI Group is strongly committed to major change in its governance, resulting in an increased support for our project to learn the basic principles of experience and network to coach the that, given the leadership and the mobilize its staff, most often highly experienced professionals, to participate in from our founding member, the SNI. business and entrepreneurship but entrepreneurs of the future.» dedication of the entire INJAZ team training programmes on a volunteering basis. Another highlight was the review by BCG of our strategy and the launch of a also the behavioural aspects of and with the support of the Moroccan SNI is delighted to support INJAZ, thereby helping to develop an development plan for 2020. This will result in increased emphasis on the business and communication skills. government and the private sector, entrepreneurial culture among youth who are Morocco’s future. upstream segment of the entrepreneurial ecosystem by focusing on middle and high school students attending state schools. I hope this unique opportunity to be INJAZ Al-Maghrib will have an even By making this investment, SNI hopes that the younth trained in offered to all our students.» greater impact on the Morocco’s entrepreneurship will go on to enrich the wider community by creating I invite you to participate in our project to help us quench this thirst for start-ups, some of which may go on to become large companies employing knowledge, innovation and entrepreneurship. Your participation, the involvement youth.» of our volunteers in our training programmes and the support of all our partners thousands of people. are essential if we are to meet our goals. Thanks to all of you who have been torch bearers for our values and our ambitions. Our achievements, of which we are so proud, are yours.» INJAZ in figures at June 30th, 2015 Our geographical coverage at June 30th,2015 Tangier

Nador 2014-2015, a record-breaking Kenitra Sale Rabat Fez year in the network’s history Casablanca El Jadida Meknes Berkane After a year of concertation and contributions from all levels of the network, INJAZ began to implement Safi Khouribga its strategic plan to provide training across the entire Youssoufia country. Ben Guerir 1750 +90 2014-2015 was a record-breaking year in the Marrakesh Volunteers partners network’s history with regional centers opened in the mobilized since 2007 southern provinces in Laayoune as well as in Agadir Agadir and Marrakesh. In 2015-2016, INJAZ plans to open an office in Dakhla and deliver a pilot programme in Guelmim. Guelmim Based on the three pillars of growth, efficiency and Legend Laayoune cohesion, the ambition that we have for our current locations youth is embodied in the regionalisation of our opening in 2015-2016 50 000 activities. 12 trained youth Regional since 2007 Centers 9 Dakhla Training programmes

6 7 Our training programmes in entrepreneurship

Our programmes, which are designed by experts from Junior Achievement, are translated and adapted for a Moroccan audience by INJAZ Al-Maghrib. Training is delivered weekly at a rate of two hours per week by volunteer senior executives. This training has been developed for middle school, high school and university students attending Moroccan state schools.

MIDDLE-SCHOOL HIGH-SCHOOL UNIVERSITY

ECONOMICS FOR SUCCESS COMPANY PROGRAM COMPANY PROGRAM Financial management education Training for high school students in Training for university students in how for middle school students how to launch and manage a company to launch and manage a company

IT’S MY BUSINESS CAREER SUCCESS INNOVATION CAMP Familiarises youth with the Prepares high school students Introduces students to corporate world for the world of work entrepreneurship

ENTREPRENEURSHIP BUSINESS LEADERS BUSINESS LEADERS MASTERCLASS Conferences given by Conferences given by Introduces middle school company directors company directors students to entrepreneurship STEER YOUR CAREER Helps students to develop personalised strategies for Junior Achievement Worldwide, job-hunting is a world leader in the field of SMART START To ENCOURAGE initiative-taking entrepreneurship training. Since 1919, Supports students in setting up it has trained youth for the business their own company and DEVELOP the entrepreneurial world by designing and delivering skills of the Moroccan youth learning programmes based on the principle of «learning by doing» Mr. Fouad BENSEDDIK Fouad Mr. Member of VIGEO France Management CEO Committee and of VIGEO Morocco T ESTIMONIAL certified as being socially responsible.» Moroccan associations which VIGEO has associations which VIGEO Moroccan INJAZ Al-Maghrib is one of the top five top five INJAZ Al-Maghrib is one of the training programmes. I am pleased that I am pleased that training programmes. respect for the environment within its within its for the environment respect «The work accomplished by INJAZ Al-Maghrib by INJAZ Al-Maghrib «The work accomplished its staff and is committed to incorporating and is committed to incorporating its staff Association fulfils very real needs in terms of needs in terms of very real Association fulfils adheres strictly to labour laws with respect to to strictly to labour laws with respect adheres entrepreneurship and business as well as as well as and business entrepreneurship society. The social utility is enormous because, is enormous because, The social utility society. Association The which is balanced and effective. by working for the inclusion and dynamism of dynamism of by working for the inclusion and INJAZ Al-Maghrib youth via company formation, its governance, have assessed We programmes. is contributing to the emergence of a prosperous of a prosperous is contributing to the emergence of its as to the content and impact reports and industrious Morocco, thriving on the talent the talent thriving on and industrious Morocco, men and and fulfilled of independent, creative in a women. This Association is managed meticulous way and it provides transparent

Consolidation

from the BCG from 2020 Strategic plan Opening of offices at Berkane, Dakhla, Youssoufia, Ben Guerir, Meknes, Sale and Nador of 20 000 students Training Adaptation of our programmes to the social entrepreneurship 2015 - 2016 - 2015 at the Clinton Global Initiative Opening of offices at Fez, Oujda, Kenitra, Laayoune, Marrakesh and Agadir of 17 874 students Training Success, Launch of Career Career your Steer and Camp Innovation Obtention of the «Responsible VIGEO Association» Label from Honored 2014 - 2015

of 10 544 students by 479 volunteers students by 479 of 10 544 Training at Safi of an office Opening Smart Start : programme Launch of a new Summit Innovation at the World Honored for Education (WISE) in the TIME Bill Clinton mentionned INJAZ President of change magazine as an agent 2013 - 2014 - 2013 Development Structuration

2012-2016 Strategic plan of the BCG 2012-2016 Strategic plan of the BCG Recognition of Public Utility of 6 500 students by Training 244 volunteers Opening of offices at El Jadida and Khouribga my Business, Launch of It’s ActionEconomics for Success and Stock in the Prize from 2013 Entrepreneurship Metlife Foundation and Junior Achievement Worldwide 2012 - 2013 - 2012

of 5 600 students of 5 600 students Training Mobilization of 215 volunteers Opening of an office at Tangier at the Clinton Honored Global Initiative 2011 - 2012 - 2011

of 5 500 Training students Launch of a : new programme Business Leaders Mobilization of 173 volunteers 2010 - 2011 Deployment

Opening of a office in Rabat Launch of two : new programmes Entrepreneurship and Masterclass Success Skills of 3 300 Training students Mobilization of 117 volunteers 2009 - 2010 - 2009 of 510 students Training Launch of a new programme Bank in Action Mobilization of 28 volunteers 2008 - 2009

Creation

line Time development in our Key stages of INJAZ Al-Maghrib of INJAZ Al-Maghrib Creation of the under the impulsion at Casablanca SNI Group Launch of the Company Program of 200 students Training by 10 volunteers 2007 - 2008 - 2007 10 The pillars of the 2020 TESTIMONIAL strategic development plan Mr. Patrick DUPOUX, Partner and Managing Three years after implementing INJAZ’s The development plan aims to train Director of the Boston strategic development plan, drawn up in 200,000 youth by 2020. Consulting Group 2012, BCG undertook a strategic review of After an initial consolidation phase the 2020 plan. from 2016 to 2018, the Association will The goal was to analyse the current situation focus on the fundamentals and growth «Boston Consulting Group is proud to work alongside and redefine our mission in line with recent will be modest through this phase, the INJAZ Al-Maghrib for a second time on its ambitious developments in terms of programmes and development plan aims to deliver project, focusing on Morocco’s youth. Since we carried targets. The challenge is not simply about accelerated growth over the 2018-2020 out our first strategic review in 2012, INJAZ has achieving growth targets but also about period (+22%). Recruitment of experienced tremendous growth in its activities. It was, delivering quality. The focus is on preserving additional staff will be required by therefore, absolutely essential to analyse any potential INJAZ’s DNA and defining a new growth INJAZ at the head office and changes to its mission and growth model for 2020. In model without compromising in any way our its numerous operations branches at an September 2015, we assembled a team from our programmes quality. estimated cost of MAD 16 million. Casablanca office to conduct a study on a pro-bono basis in conjunction with INJAZ’s stakeholders - staff, volunteers, students and professors. Apart from bolstering the entrepreneurial dimension of INJAZ’s Projections 2020 role and activities, this study highlighted the importance of three aspects for the Association’s future: the model for volunteers’ engagement, measuring the impact on programme participants and the operating model. Development plan We are convinced that INJAZ’s staff, with the support of its many partners, will be able to face these challenges and continue to work successfully for the benefit of Moroccan youth. Consistent with 48%youth that have BCG’s commitment to support socially useful participated in initiatives all over the world, we are pleased to be long programmes a long-term strategic partner of INJAZ. This 1416mobilized long-term commitment is important to us and volunteers gives meaning to the work undertaken by our 40trained youth, 028 with 65% employees who are involved in the project, which brings the country’s youth together.» from middle-school and 32% from high-school in 2020 477Company Program classes DEVELOPMENT PLAN Building blocks for sustainable development

Review of the period from 2012 ,to June 30th, Growth drivers to achieve our 2020 targets 2015: INJAZ Al-Maghrib’s growth accelerates

Since 2012, INJAZ has This rate of growth reflects INJAZ’s scope has Refocus INJAZ’s mission on its Focus on middle school and Quality as a prerequisite seen a sharp increase in a clear trend in favour of long expanded in all growth primary role of entrepreneurship high school students in state for implementing the its activities programmes specialising areas and maintain a strong emphasis on schools. development plan in entrepreneurship long programmes within the portfolio

On average, +34% in the Long programmes (>4 hours 4 new programmes launched: Steer Readjust the portfolio by focusing Adapt INJAZ’s operating model Systematically analyse programme number of youth trained of training) accounted for 93% your Career, Career Success, on 3 programmes: the flagship to the latest challenges and focus quality and assess the impact on between 2010 and 2015 and of volunteers’ training hours in Innovation Camp and Smart Start Company Program accounting for more of the work and programmes participants in order to achieve +66% between 2012 and 2015 about 70% of volunteer training on high schools (75% of volunteer growth, without compromising on Reaching out to new target 2015, while the total number hours and about 30% of youth training) and middle schools (20%) quality, by developing KPIs and The number of training hours audiences, particularly student in order to foster awareness about processes for measuring of youth trained since the per person has risen an trained in 2020. The other two «start-uppers» entrepreneurship and maximise programmes’ long- term impact. Association was founded rose average of 10 hours in 2011 to programmes, Entrepreneurship programmes’ impact while reducing to 50,000 in 2015 12 hours in 2015. New geographical locations: an Masterclass and It’s my Business, exposure to universities. Threefold rise in the number additional 9 cities covered since are expected to account for 10% of volunteers 2012 with 6 centres opened in and 15% respectively of volunteer training hours and 48% and 17% of 30% increase in revenue 2014-2015 in Laayoune, Fez, Oujda, Marrakesh, Agadir and Kenitra. the number of you trained. x3 4 +9 70% 75% 20% number new geographical volunteers training hours / volunteers training hours / volunteers training hours / of volunteers programmes locations Company Program high-school students middle-school students

14 15 A year through pictures

SEP OCT NOV DEC JAN FEB MAR APR MAY JUN

October 25th November 5th December 3rd January 5th February 3rd March 3rd April 2nd May 22nd June 16th Creation of INJAZ 50 Start-uppers at the Smart Start Day 18 laureates elected during Volunteers Club of the regional Company Program competitions Casablanca Launch of our programmes Launch of the Company INJAZ obtains the Salesforce provides a in the Oriental in partnership Program in rural areas 2 start-ups of Smart Start «Responsible Association pro bono CRM for INJAZ with the Unicef with CITI incubated by the AFEM label from VIGEO

December 3rd January 10th April 6th November 8th Launch of our programmes at Fez Launch of a new with the US Embassy September 2014 Recycle Coffee won the programme : Innovation May 31st from February 3rd to March 25th INJAZ honored at the CGI at Marrakesh Community Days with Wafacash innovation prize at the Camp with Boeing March 9th TECHNO STORE won the to the benefit of 3600 youth in 10 Business Leaders MENA Competition Fox university realize a April 5th/6th «Start-up Weekend» prize cities of Morocco conferences December 5th case study on INJAZ INJAZ won 2 prizes during the at Laayoune MENA training of INJAZ Al-Arab : February 6th Launch of 2 new programmes : quality and compliance awards Steer your Career and Career Success Business Leaders conference April 14th animated by Mr. Dunn, Skills sponsorship with 2 nd edition of the September 12th President of Boeing for North January 27th the BMCI Stock in Action Championship Africa and Turkey February 6th November 20th - 21st April 16th December 15th Participation at a meeting of the Partnership with the Participation of INJAZ Winners of the Stock in European Parliament at Bruxelles Regional Council of the SAP becomes an active at the World Economic Forum Action Championship Oriental Region member of INJAZ Launch of the 2.0 version of Participation of INJAZ at the Global Stock in Action Entrepreneurship Summit

16 17 INJAZ’s chain of social responsibility

«Our ambition is to lay down the The challenges faced by INJAZ in 2014-2015 bear testimony to the strength of its network and its commitment to its mission.

foundations for sustainable growth 2014-2015 was an eventful year in many respects – regionalisation, reorganization and repositioning were the main themes underpinning and build a sustainable future based our development with a highly professional, rapidly growing team that remains fully committed to its role of coordinating and orienting on strong common values» each member of our community of students, volunteers and institutional partners.

Our strategy INJAZ’s 3 pillars and organization in 2014/2015 9programmes +partners90

+volunteers1750

19 QUALITY as a pre-requisite Extending the range of educational programmes Our challenge regarding training programmes over the coming years is to to cover the entire skills pyramid ensure that growth is matched with quality – quality both in terms of the programmes delivered to youth and the training provided to volunteers, the development of a systematic approach to monitoring and evaluation based on a feedback system that had been developed based on the organization’s As far as the programme range is concerned, in 2014-2015, the programme’s experience. design team focused on adapting JAW’s 3 new programmes – Career Success, Innovation Camp and Steer your Career - for a Moroccan audience and adapting four of our programmes to social entrepreneurship. A virtuous cycle of programmes Implementing an impact assessment study in Innovation Career Success Pilot project to promote Marrakesh and Agadir Camp and Steer your Career social entrepreneurship The aim of this programme, developed Career Success (for high school A pilot project will be launched in 2015-2016 to In 2014-2015, in partnership with with the support of Boeing, is to place students) and Steer your Career (for promote social entrepreneurship among Drosos and, after a year spent preparing 5 students in a real-life situation with a university students) are programmes youth. In fact, after signing a partnership Improvement of and setting up systems and processes, practical challenge faced by the which aim to develop youth soft skills agreement with MEPI, INJAZ will adapt four 1 communication and Sustainability Frontiers, mandated by Initial programme information process host company. During this half-day and other aptitudes which are essential of its programmes (Company Program, portfolio and reportings INJAZ, conducted an impact assessment workshop, students are challenged and for their success in the workplace. Business Leaders, Entrepreneurship study on 2,495 students in Marrakesh and encouraged to identify the most Masterclass and It’s my Business) to social QUALITY Agadir. innovative solution to a management entrepreneurship in Meknes, Fez, Kenitra 4 In Agadir, 1,370 youth were covered problem faced by the company. and Sale. APPROACH Tweaking the by this study, 500 of whom were middle programmes school students and 391 high school 2 students. Monitoring system In Marrakesh, surveys were conducted (youth, volunteers, 3 on 400 middle school students, 375 high education) Assessment process school students and 350 university Anticipates, structures, (youth, volunteers, education) students. The impact assessment study simplifies and ensures Pre- and post-tests, will be conducted over a 4-year period participation questionnaires, focus groups, telephone interviews targeting 3,900 youth in total.

20 21 Mobilizing volunteers the cornerstone of our success 2 Mobilizing volunteers In 2012, BCG devised a broad outline for INJAZ’s loyalty plan for volunteer A three-pronged approach was adopted this year to executives. The plan’s implementation is governed by two goals: to mobilize volunteers: enhance volunteers’ experience and recognise their contribution within their social and professional circles by providing a follow-up and Raise awareness among executives working in assessment of their work and measuring the degree of satisfaction. partner companies by organising presentations about INJAZ and the benefit of volunteering. Viral recruitment via our website and social media. 1Ensuring volunteer loyalty Circulate notices inviting people with certain skills to volunteer via our media partners’ communications channels (ECOMEDIA Group, One of the initial measures adopted as part of the strategy for ensuring volunteers loyalty was to define a typical path for volunteers based on its FC COM). experience and expectations:

INITIATIVE FOCUS ON Ceremony to distribute responsible citizen certificates Short programmes would serve as an Open days organized introduction to new volunteers with to volunteers in Casablanca June 3rd, 2015 additional support provided by an in Rabat experienced volunteer. On Wednesday, June 3rd, 2015, a certificate distribution ceremony was organized On Friday, October 31st and Saturday, November 1st 2014, Longer and more complex programmes in Casablanca in order to acknowledge the work accomplished by executives INJAZ Rabat organized two Open Days and invited are offered to experienced volunteers who had delivered training programmes on a volunteering basis during the who wish to continue mentoring. volunteers, existing and prospective partners to walk in and have a look around INJAZ Rabat’s new premises 2014-2015 academic year. More than 50 volunteers participated in this event. Lastly, we invite senior volunteers who offered by Maroc PME. The highlight was the quality of the discussions, enabling volunteers to form wish to be more involved in our project to During this meeting, INJAZ gave volunteers and become INJAZ ambassadors within their bonds and, in some cases, express their commitment for the following year. own companies so as to promote the partners an overview of the type of training delivered programmes, recruit and support and gathered feedback and recommendations for the new volunteers. future.

22 23 Volunteers TESTIMONIALS

Amina BENAMAR Othmane TRICHA Responsible of Attijariwafa responsible for Property/ Meriem LAHLOU bank Foundation, for Education Services & Wood, CDG Consultant and Support for Associations Développement

«Volunteers give much of their time «Each one of us ought to be capable «The most positive feature of both in delivering programmes, either to contribute to the socio-economic INJAZ experience is that it provides long (Company Program) or short development of the Moroccan volunteers an opportunity for ongoing programmes (Steer your Career or society. INJAZ Al-Maghrib has development. After a few years with Entrepreneurship Masterclass) and chosen to focus on one of the most INJAZ, I now start each programme sharing their experiences and career in the certainty that it will be new sensitive issues facing Morocco, background with students. I can tell and I will be able to learn something you, based on my experience in high which is the education of the valuable. The challenge of motivating schools, universities and prestigious country’s youth, to prepare them for students and creating group higher educational establishments, the workplace and industry and to dynamics, which are both that the students are interested in encourage initiative-taking. positive and conducive to initiative- this interaction and closeness. INJAZ Youth often lack a stimulus to take taking, is the common theme that runs Certificates Award Ceremony of the Al-Maghrib has succeeded in the initiative and be creative. This through every programmes and is a «Responsible Citizen» to INJAZ building a bridge between academia is the challenge that I personally constant source of fresh ideas. The and industry.» decided to assume on behalf of benefits of each programme is often volunteers of Casablanca youth, having been in their shoes a felt over the long term. I am regularly few years ago. I would like to thank contacted by former students who ask for my input on a new idea for a INJAZ team for their dedication and venture or for a professional professionalism.» recommendation.» Developing alliances with high FOCUS ON T ESTIMONIAL quality partners for a positive impact INJAZ adopts a cloud-based system with Salesforce Mr. Samir NACIRI on our growth CEO of Salesforce

Thanks to the relationships formed with our partner companies during the In order to bolster its growth and regional A 360° solution for managing past academic year, we were able to communicate our vision for change, development without, in any way, compromising on quality and ensuring partner relationships expand our scope and create a powerful bond with our partners and their the commitment of its volunteers and executives through their active participation in our project. partners, INJAZ Al-Maghrib signed a «This partnership with INJAZ Al-Maghrib is a INJAZ Al-Maghrib’s tailor-made partnership agreement with Salesforce, cloud-based CRM system will enable it to wonderful challenge. INJAZ Al-Maghrib has taken resulting in the adoption of the manage important information related to Our founder member, the SNI, has increased introduce its programmes in new regions, Finally, in terms of process management, Salesforce.com system for managing a major step forward by adopting a cloud-based partners and volunteers (record of contacts, its support during the 2014-2015 academic in the South with Kosmos Energy and the a new partnership was initiated with partner relationships. year, in line with its CSR strategy, which Phosboucrâa Foundation and in the North Salesforce, resulting in the adoption of a initiatives undertaken etc.) in real time. system and we are proud that the Association The implemented solution was specifically focuses on entrepreneurship. The SNI with UNICEF and MEPI. donor CRM system and the mapping of named ‘Donor Relationship Management chose us as a partner. We are delighted to make doubled its financial contribution and the entrepreneurial ecosystem. The latter System’ (a CRM system for donors and The direct benefit sought by INJAZ is to continues to offer logistical support in form Strategic partnerships were also signed with was presented during a seminar of the a contribution by involving our consultants who are partners) with the aim of maximising introduce a system that helps to develop of premises and human resources. Group of Associations for Education and companies offering services free of charge or opportunities for donations and partner loyalty by improving areas such dedicated to offer help to our youth.» for volunteering work by executives as part Entrepreneurship (CAPEE) to all improving the management and follow up as contract management, management of INJAZ developed new strategic alliances with of the process of implementing skills associations within the educational of relations with existing partners, deliverables, support for strategic planning, a number of non-governmental organizations sponsorship strategies (BMCI, Al Barid Bank sector. academia, volunteers and prospective report publishing and real-time indicators and companies, thereby enabling it to and SAP.) partners. for project management.

57 +4 +6 active new new members memberships implantations

26 Governance strengthened Our organizational chart Subsequent to the Annual General Meeting and December 21st, 2015

Mhammed ABBAD ANDALOUSSI Extraordinary General Meeting of December 21st, 2015 Chairman

Mouna KADIRI Houda SAHIBEDDINE Sandrine WINDER WOLF Advisor Assistant of the Chairman Project Manager 2014-2015 was a watershed year for INJAZ Al-Maghrib’s of the Chairman governance. The Association went through unprecedented The Board of Directors growth, experienced a significant rise in the number of partners and increased support from our founder member, SNI, to mention The Annual General Meeting proceded to the renewal of the Board of Directors Mohamed Amine EL Hassan TAZI Ghislaine ABABOU Chrysoline DELEAU Emmanuelle LAVENAC Imane OUZZI Majda OUBAHA MOUATARIF just a few highlights. Financial and Communication Programmes Partnerships Operations Director Operations Director members and appointed 8 new Operations Director Administrative Director Director Director Director Center Region South Region Administrators : North and Oriental Region Sofia REDA Ghizlane KHAMMAL Sabrina EL MAALEM Wiam Lyazidi Sanaa LOUADIA Youssef Bemmouna Salwa FARSI Community Manager Monitoring and Evaluation Partnerships Operations Manager Operations Manager Operations Coordinator In order to rise to the challenge of adapting our governance to the new issues SNI (represented by Mhammed Abbad Account Manager and Graphic Designer and Fundraising Manager Manager Rabat Casablanca Agadir arising from our 2020 development plan, the Combined Meeting of Shareholders Andaloussi and Abdelmjid Tazlaoui) Soumia OUHAMMOUCH Hind ESSEBRE Afaf IKZARN Managem Yassine NAJI Senior Operations December 21st, 2015 initiated a fundamental change by proposing to overhaul our MEPI Operations Assistant Operations Manager Coordinator Project Manager Agadir Articles of Association as follows: Inwi Tangier Casablanca

Nareva Imane MOURTAJI Khawla SALSABIL TOUBI Douâa KONIA Junior Operations Operations Coordinator Operations Coordinator Coordinator Vivo Energy Morocco Marrakesh Meknes Casablanca Membership henceforth restricted to corporations only Citibank Maghreb Kamal LAHLALI Hinda BOUDAN Safae EL MANSOURI Mastercard Africa SMART START A plural voting system to be introduced at the Combined General Meetings to Operations Coordinator Operations Coordinator Project Manager take into account the contributions made by active members Fez Laayoune Zyad BELOUED Leila ABOUZAID Reda TIDA Operations Coordinator Implementing eligibility criteria for Board members to take into account Operations Coordinator Operations Coordinator Region of Marrakesh El Jadida the involvement of Association members and limiting the number of board Kenitra

members to eight Ghizlane JABIRI The Bureau Kaouthar KADA Operations Coordinator Operations Coordinator Khouribga Introducing new governance bodies such as an audit committee and an Mr. Abbad Andaloussi, Chairman Sale advisory board Fatima-Zahra FARSI Sara QOULIJ Mr. Tazlaoui, Vice-Chairman Operations Coordinator Operations Coordinator Safi Mrs Kadiri, General Secretary Nador

Mr. Souhail, Treasurer Fahd CHEBAB Operations Coordinator Oujda and Berkane

28 29 A holistic communications strategy CASE STUDY FOCUS ON Business Leaders for promoting our brand Website created series of conferences for online voting Projecting a strong brand image that is true to our core values - humanism, A serie of «Business Leaders» conferences have been led during the responsibility, innovation, professionalism and competence - is fundamental For the first time in INJAZ’s history, a website was 2014-2015 academic year by a number of renowned captains of industry created to enable the general public to vote online talk to the youth and share their experiences. to achieving our ambitions. in the National 2015 Competition for the Best These conferences were characterised by passionate accounts from Junior Company. each speaker of their personal experiences with very emotional questions Our brand is a quality label for all our Communicating via social media Public relations as a transversal being sometimes asked by the public. These discussions were especially programmes and activities. It not to ‘bond’ with stakeholders communications tool INJAZ never fails to innovate. This is best illustrated appreciated by youth not simply because of the quality of the presentations but also due to the animated discussions that followed. only conveys our identity but is also by the creation of an online voting platform that is In 2015, we used social media to We pay a handsome tribute to our speakers and thank them for their a guarantee of our network’s With the development of social media, public open to the general public to encourage participation professionalism. maximise every opportunity of relations has become an interdependent way of commitment to Morocco’s youth. communicating with our stakeholders. Our from the entire community in what has become a communicating and an efficient way of gaining national event – the Best 2015 Junior Company In order to enhance the strength of our goal is to acknowledge and highlight traction in the media. brand, we adapted INJAZ Al-Arab’s the contribution from our members of competition. February 3rd 2015 : Mr. L. Bush, new corporate identity and style guide our community and convey a positive Public relations have always played a strategic From September 7th to September 13th, 2015, the Ambassador of the US Embassy in Morocco February 23rd : Mr. TARAFA, CEO and to each of our communications media. image by sharing the success stories of role in developing and managing our brand general public was invited to vote via social media image and reputation, either via press releases, Chairman of Somed We created a template with a strong our youth – through testimonials from (Facebook, Twitter and Google +) for the Best Junior February 26th : Mrs BENNIS, Chairman and CEO of Maroclear visual identity - a close-up portrait, those who have started businesses, to raise the visibility of our partnerships or by Company of their choice for the People’s Choice organising events that unite our community March 7th : Mr. CHAOUKI, Skills Director of the Marrakesh Council largely in black and white, combined alumni, volunteers or partners posted award. More than 30,000 people voted. At the end of March 10th : Mrs KHAMLICHI, CEO of Wafacash members around a common goal. with bold colours to differentiate each on Facebook and Twitter and by the process, Amis Créateurs, a Tangier-based junior March 10th : Mr. DEBORD, CEO of Inwi of our activities. As part of the brand uploading video clips to YouTube that company was voted as having the best project in March 13th : Mr. GROS, CEO of Cetelem strategy implementation process, we feature our youth and their volunteers 2015 across all categories. March 13th : Mr. HAJJI, CEO of the Casablanca Stock Exchange completely overhauled our bilingual (Smart Start Day, CGI, Best Junior In 2014-2015, we restructured our public March 14th : Mr. DUPUCH, Chairman of the Executive Board of the BMCI This website was realized by a start-up created under web site (French and English). Company 2015). relations activities in two ways: March 14th : Mr. KARIMI, Regional Responsible - BP Foundation - Marrakesh the Smart Start programme : Atlassia. March 16th : Mr. DUNN, Chairman of BOEING - North Africa and Turkey By providing support to the network throught March 16th : Mr. ETIENNE, Chairman and CEO of Unilever guidance, counselling and producing March 17th : Mrs KHAMLICHI, CEO of Wafacash March 18th : Mr. MARRAKCHI, CEO of the BMCI in-house content for our communications March 18th : Mrs MAMOU, Chairman of the Executive Board of Wafasalaf drives prior to and subsequent to each +30 000 March 18th : Mr. OUDRHIRI, Director of Human Ressources of Unilever event. March 19th : Mr. IBN ABDELJALIL, 1st Moroccan to have climbed the Mount Everest votes during the March 20th : Mrs EL ALAMA, CEO of Amcham By organising press events when partnership National Company March 21st : Mr. MOUNJI, Operations Director of Managem agreements are signed or events organised Program Competition March 25th : Mr. BAHEJ, Chairman and CEO of IBM Morocco to gain the maximum visibility. April 15th : Mr. BENNANI, WTCC World Championship Pilot 8 700 700 April 16th : Mr. OUDGHIRI, CEO of Lesieur Cristal likes twittos April 27th : Mr. ZOUMANIGUI, CEO of IBM - North and West Africa 30 2014/2015 : One year in the press

Press Conference Press Conference Launch of our programmes in Fez in partnership with the US Embassy in Launch of our programmes in Morocco the Oriental in partnership with the UNICEF November 5th Press release Smart Start Day The Economiste January 27th Press release Press Operation November 8th Partnership with Business Leaders the Regional Press release COMMUNIQUÉ February 3rd February 5th - Libération.ma INJAZ Al-Maghrib reçoit le soutien de Boeing dans le déploiement Conference with BOEING April 2nd d'un nouveau programme « Innovation Camp ».

INJAZ Al-Maghrib En décembre 2014, INJAZ Al-Maghrib a signé un partenariat avec Boeing pour le Membre de Junior lancement d’un nouveau programme de formation intitulé «Innovation CAMP». Council of the - Economiste Community Day Achievement Membre actif d’INJAZ Al-Maghrib, Boeing s’implique dans notre projet en finançant le lancement - Fesinfo.com - Eco Worldwide et Press release d’un nouveau programme d’initiation à l’entreprenariat destiné aux étudiants des universités d’INJAZ Al-Arab marocaines. Le programme sera lancé dans le courant du premier trimestre 2015 et s’adressera à environ 1500 étudiants de Casablanca, Rabat et El Jadida. 10 Innovation CAMP est un programme de formation de Junior Achievement Worldwide, leader mondial en éducation à l’entreprenariat depuis 1919. Basé sur la méthode de l’apprentissage March 17th programmes de Oriental par l’action, Innovation CAMP est une initiation des étudiants aux techniques d’innovation et de formation - MAP - El Massae February 9th with Wafacash création, à travers le lancement notamment de défis commerciaux aux étudiants qui doivent VIGEO label trouver la solution la plus innovante. March 4th +90 « Boeing est très heureux de s’associer à INJAZ Al-Maghrib, car cette collaboration nous Partenaires permet d'apporter notre soutien à la société marocaine et une contribution significative aux March 6th communautés locales. J’ai la conviction que la jeunesse représente le moteur de toute société - Infomédiaire + 1250 et que les jeunes Marocains disposent d’un talent et d’un potentiel exceptionnels. Nous The Economiste The Economiste Conseillers accordons notre pleine confiance à INJAZ Al-Maghrib pour libérer la créativité et l’esprit - Al Ahdat - Matin The Economiste d’entreprise qui caractérisent la jeunesse marocaine et ainsi accompagner le Maroc sur la voie February 4th Bénévoles - Eco d’un avenir prospère. Je suis tout à fait convaincu que notre partenariat avec INJAZ Al-Maghrib June 11th aura un impact important pour le Maroc comme pour Boeing.» M. B. Dunn, Président de - Temps +30 000 Boeing pour l'Afrique du Nord et la Turquie. Jeunes formés « Nous sommes honorés de compter parmi nos partenaires, une entreprise aussi prestigieuse - Matin

que Boeing. Ce partenariat revêt pour nous une importance particulière. Boeing devient - Economiste - Akhbar 12 membre actif de notre association et finance le lancement d’un nouveau programme.» - Aujourd’hui le Maroc Sections régionales M. Abbad Andaloussi, Président d’INJAZ Al-Maghrib. - Aujourd’hui le Maroc April 6th Press release COMMUNIQUÉ A propos de BOEING - Libération.ma Boeing est le premier groupe mondial d’aéronautique et de défense et le premier constructeur COMMUNIQUÉ COMMUNIQUÉ d’avions civils et militaires. Boeing produit également des hélicoptères, des systèmes - Challenge Rencontre entre start-upers, incubateurs et investisseurs électroniques et de défense, des satellites, des lanceurs spatiaux et des systèmes - Matin.ma FELICITATIONS aux jeunes entrepreneurs encadrés par informatiques et de communication de pointe. En tant que fournisseur majeur de la NASA, - Economiste INJAZ Al-Maghrib qui ont remporté le 1er Prix de la INJAZ Al-Maghrib Casablanca, Mercredi 5 novembre 2014, INJAZ Al-Maghrib a organisé une rencontre entre Boeing est maître d’œuvre de la station spatiale internationale. Le Groupe propose ses produits - Etudiant Marocain Press release Regional et services aux compagnies aériennes et aux opérateurs militaires dans plus de 150 pays. Le Conseil Régional de l’Oriental accompagne INJAZ Al-Maghrib Compétition Start-up Weekend de Laâyoune ! Membre de Junior des incubateurs, investisseurs et business angels et les 10 start-ups créées dans le cadre Boeing, dont le siège se trouve à Chicago, emploie plus de 169 000 personnes aux États-Unis Achievement du programme Smart Start, développé en partenariat avec CEED - USAID et Attijari et dans plus de 65 pays. En 2013, le chiffre d’affaires du Groupe s’est établi à 86,6 milliards de dans le déploiement de ses programmes à Oujda, Nador Worldwide Finances Corp. March 9th Après plusieurs mois d’activités de préincubation, les 10 start-ups sont fin prêtes à dollars. et Berkane March 18th Membre de Junior Lors des compétitions Start-up Weekend organisées les 29, 30 et 31 Mai 2015 à Achievement 11 rencontrer les incubateurs potentiels. Aussi, une cinquantaine d’entrepreneurs potentiels A propos d’INJAZ Al-Maghrib - Assabah Laâyoune, le projet TECHNO STORE présenté par nos jeunes entrepreneurs du Lycée étaient présents pour assister cette plénière. - Eco Worldwide, leader Technique de Laâyoune a remporté le 1er prix. programmes de Créée en 2007 sous l’impulsion du Groupe SNI, INJAZ Al-Maghrib est une Tél : 05 29 01 15 15 - MAP Honored at the CGI mondial en matière Competitions SMART START est un programme d’accompagnement à la création d’entreprise dédié aux formation [email protected] association reconnue d’utilité publique qui se fixe pour mission de révéler aux INJAZ Al-Maghrib Agés de 15 ans à peine et formés au Company Program de Junior Achievement, ces étudiants ayant été formés au Company Program, un programme de création de Junior Le Conseil Régional de l’Oriental réuni le 27 janvier 2015, a décidé d’éducation à www.injaz-morocco.org jeunes leur potentiel et stimuler leur esprit d’initiative à travers l’implication de Achievement Worldwide. Membre de Junior d’accompagner INJAZ Al-Maghrib dans le déploiement de ses programmes dans l’entreprenariat jeunes entrepreneurs en herbe ont présenté leur projet lors du Start-up Weekend de +80 l’entreprise dans l’enseignement public. INJAZ Al-Maghrib est membre de Junior - Matin et d’INJAZ Al-Arab Laâyoune qui clôture la tournée Start-up Weekend Maroc. Destiné aux jeunes qui souhaitent poursuivre l’aventure du Company Program, Smart Start Achievement la région de l’Oriental à travers la mobilisation de conseillers bénévoles pour Partenaires Achievement Worldwide et d’INJAZ Al-Arab qui a été reconnue par le Global Journal a pour but d’encadrer et d’aider les jeunes porteurs de projet dans la création de leur Worldwide - Eco comme faisant partie du Top 100 des ONG les plus influentes au niveau mondial. dispenser les programmes d’éducation à l’entreprenariat d’INJAZ Al-Maghrib et TECHNO STORE est un projet qui porte sur la transformation de l'énergie mécanique + 1250 start-ups. l’octroi d’une subvention visant à parfaire le financement des activités - Matin.ma 10 en énergie électrique en utilisant des moteurs de paraboles. Conseillers 10 February 6th Á travers ce programme, INJAZ Al-Maghrib offre aux jeunes qui ont suivi ses formations à The Economiste programmes de The Economiste l’entrepreneriat, la possibilité de parfaire le montage de leur projet à travers le renforce- programmes de d’INJAZ Al-Maghrib à Oujda, Berkane et Nador. 54 heures de travail pour présenter et défendre leurs idées, former et gérer leurs équipes, Bénévoles March 5th formation ment de leurs compétences. Pendant plusieurs mois, les jeunes porteurs de projets ont formation affiner leur business model et goûter au challenge de la création de start-up. Un grand +30 000 été encadrés par les mentors d’Attijari Finances Corp. et formés aux techniques de «Le projet d’INJAZ Al-Maghrib s’inscrit dans la stratégie du Conseil Régional de - Vie Eco Bravo à nos jeunes entrepreneurs, à leur conseiller bénévole Rhzouni Mohamed de Jeunes formés développement personnel visant à améliorer leurs soft skills par les cabinets Attitudes l’Oriental en faveur du renforcement du tissu socio-économique de la Région à +90 l’Alliance des Hors Cadres OCP et à leur professeur encadrant Reda Mouhssine. + 90 Partenaires Conseil, Blue Storm et Corilys. Une fois créées, ces start-ups auront l’opportunité de Partenaires travers la promotion de l’entreprenariat. Le Centre Régional a accueilli bénéficier de programmes d’accompagnement à la gestion d’entreprise. March 19th «Nous avons découvert avec grand plaisir une équipe de lycéens persévérants et favorablement cette initiative et a décidé de la soutenir.» - Hespress - Akhbar Al Youm dynamiques qui ont su relever le défi en 54h et remporter Start-up Weekend Laâyoune.» L’objectif d’INJAZ Al-Maghrib, à travers cette première expérience pilote, est de participer + 1750 + 1250 M. Ali Belhaj, Président du Conseil Régional de l’Oriental. - Al Bayane Conseillers Zineb Rharrasse, Co-fondatrice et Directrice Générale de Start-up Maroc au développement d’une communauté de jeunes entrepreneurs, d’encourager l’esprit April 14th June 16th September 15th - 30th Conseillers d’initiative et d’innovation et in fine, de soutenir les jeunes porteurs de projet dans la Bénévoles Bénévoles «Nous nous réjouissons de pouvoir compter pour la première fois sur un Conseil «Nous nous réjouissons de ce nouvel exemple de l'impact positif de nos programmes création de leur entreprise. Au terme des deux sessions du programme Smart Start, 30 d'éducation à l'entreprenariat sur la jeunesse marocaine. Ces jeunes ont fait preuve d'innovation start-ups soit 120 jeunes au total auront été encadrés dans le montage de leur projet et la Régional pour nous accompagner dans le déploiement de nos programmes. Ce March 10th et de persévérance dans le projet qu'ils ont soumis à la compétition. Nous les félicitons et partenariat ouvre à INJAZ Al-Maghrib de nouvelles opportunités de collaboration +50 000 création de leur entreprise à fin 2015. + 30 000 - Eco Jeunes formés réitérons par la même occasion nos vifs remerciements à nos conseillers bénévoles et Jeunes formés avec les Conseils Régionaux pour faire bénéficier un plus grand nombre de jeunes - The 360 - Akhbar A propos des partenaires de Smart Start : depuis 2008 professeurs encadrants sans lesquels de telles success stories n'auraient pu voir le jour.» Responsabilité Sociale Announces - Volunteers de nos programmes et leur donner l’envie d’entreprendre.» - Al Youm Press release M’hammed Abbad Andaloussi, Président Directeur Général d’INJAZ Al-Maghrib Press release CEED est une Association Non Gouvernementale Américaine qui accompagne les December 3rd 12 M. M’hammed Abbad Andaloussi, Président Directeur Général des Associations entrepreneurs dans le développement de leurs entreprises sur les marchés émergents. Sa 12 Sections régionales Guide du Label A propos de Start-up Maroc mission est de fournir aux entrepreneurs le savoir-faire et les réseaux dont ils ont besoin d’INJAZ Al-Maghrib. Sections régionales - Economiste pour accélerer la croissance de leurs entreprises. CEED est soutenu dans le projet SMART Start-up Maroc a pour objectif de participer à la création de start-ups innovantes portées par une communauté d’entrepreneurs nouvelle génération. Sa principale mission est START par son partenaire USAID. A propos d’INJAZ Al-Maghrib - Aujourd’hui le Maroc - Médias24 - Bayane Al Youm d'accompagner et de connecter les entrepreneurs avec les différentes ressources nécessaires L’USAID (Agence Américaine pour le Développement International) administre le Créée en 2007 sous l’impulsion du Groupe SNI, INJAZ Al-Maghrib est une pour se développer et les exposer au niveau national et international à travers des compétitions Tél : 05 29 01 15 15 programme d’aide étranger des Etats-Unis afin de fournir une assistance économique et [email protected] - Economiste Stock in Action de start-ups et programmes d’accélération. www.startupmaroc.org Partnership with recruitment campaign Press release association reconnue d’utilité publique qui se fixe pour mission de révéler aux humanitaire dans plus de 80 pays à travers le monde. www.injaz-morocco.org Attijari Finances Corp. est le leader national du Conseil en financement, fusions jeunes leur potentiel et stimuler leur esprit d’initiative à travers l’implication de A propos d’INJAZ Al-Maghrib acquisitions et dans les activités de marché primaire, actions et obligations. Attijari l’entreprise dans l’enseignement public. Créée en 2007 sous l’impulsion du Groupe SNI, INJAZ Al-Maghrib est une Finances Corp. développe une approche ciblée sur le Maghreb et l’Afrique francophone, March 13th association reconnue d’utilité publique qui se fixe pour mission de révéler aux jeunes au service d’une clientèle de plus en plus tournée vers l’international. - Yabiladi - Eco.ma leur potentiel et stimuler leur esprit d’initiative à travers l’implication de l’entreprise March 20th dans l’enseignement public. Tél : 05 29 01 15 15 Créée en 2007 sous l’impulsion du Groupe SNI, membre du réseau mondial Junior - Libération Championship Salesforce The Economiste Achievement Worldwide, leader en matière d’éducation à l’entreprenariat, Partnership with Boeing [email protected] www.injaz-morocco.org INJAZ Al-Maghrib est une association reconnue d’utilié publique qui se fixe pour mission de révéler le potentiel des jeunes et de stimuler leur esprit d’initiative à travers l’implication Tél : 05 29 01 15 15 de l’entreprise dans l’enseignement public. - Vie Eco [email protected] www.injaz-morocco.org - Maghreb Emergent - Aujourd’hui.ma - Challenge The Economiste The Economiste - Ménara.ma The Economiste

Responsabilité Sociale des Associations Guide du Label COMMUNIQUÉ COMMUNIQUÉ January 22nd February 9th May 31st Kerensen Consulting Maroc, partenaire Platinum et Reseller de Salesforce au Maroc, accompagne INJAZ Al-Maghrib reçoit le label INJAZ Al-Maghrib dans son community management 'Association Responsable' de VIGEO. Membre de Junior Casablanca, le 16 juin 2015, INJAZ Al-Maghrib a signé une convention de partenariat Press release Achievement Financial press release Press release avec Kerensen Consulting Maroc pour la mise en place de la solution salesforce.com de leader Membre de Junior L'attribution de ce label international qui atteste de la professionnalisation des méthodes Worldwide, gestion de la relation avec ses partenaires. Achievement mondial en matière de gestion de notre association est le résultat d’un long processus d'évaluation de notre Ce partenariat s’inscrit naturellement dans la stratégie de responsabilité sociale et de leader d’éducation à Worldwide, capacité à assurer la transparence de notre financement, de nos engagements et de mondial en matière l’entreprenariat mécénat de compétences de la Fondation Salesforce et de Kerensen Consulting Maroc d’éducation à notre gouvernance et à rendre compte de notre utilité sociale. et d’INJAZ Al-Arab qui s’est engagé en outre, à mobiliser ses cadres en tant que conseillers bénévoles pour l’entreprenariat «L’activité de l’association INJAZ Al-Maghrib répond à de vrais besoins, à la fois dispenser les programmes de formation de Junior Achievement Worldwide, soit 400 et d’INJAZ Al-Arab Techno Store heures par an dédiées à l’éducation à l’entreprenariat des jeunes de l’Ecole publique. and THANK YOU ad Partnership with the BMCI entrepreneuriaux et économiques mais aussi sociaux au sens large. Son utilité sociale est immense, car en œuvrant à l’inclusion et au dynamisme de la jeunesse 10 programmes de Dans une optique d’alignement avec la trajectoire de son partenaire, Kerensen Consulting via la création d’entreprises, INJAZ Al-Maghrib contribue à l’émergence d’un Maroc Maroc a mis à la disposition d’INJAZ Al-Maghrib une solution DRM (CRM pour les 10 prospère et industrieux animé par des femmes et des hommes autonomes, créatifs formation programmes de st Donateurs) pro bono de gestion personnalisée de la relation avec les partenaires visant et épanouis. Cette association est gérée de façon transparente et rend compte avec non seulement l’amélioration de cette gestion mais aussi l’optimisation des opportunités formation rigueur du contenu et des impacts de ses programmes. Nous avons évalué sa +90 de dons. gouvernance, qui est équilibrée et efficace. Les fonctions de son président qui est won the 1 prize Partenaires The Economiste The Economiste un personnage emblématique et dévoué à sa cause sont séparées des fonctions de « Ce partenariat représente pour nous un challenge que nous avons souhaité relever +90 son directeur général. Cette association respecte rigoureusement le droit du travail Partenaires avec l’équipe d’INJAZ Al-Maghrib. En effet, INJAZ Al-Maghrib franchit le pas du cloud et en faveur de ses collaborateurs et a pris des engagements nets en faveur de + 1750 Conseillers le faire avec nous est une fierté. Nous sommes réjouis d’apporter notre contribution l’intégration du respect de l’environnement dans ses programmes d’enseignement. humaine, grâce à nos consultants engagés, dans l’accompagnement de la jeunesse de Je suis heureux qu’INJAZ Al-Maghrib fasse ainsi partie des cinq premières Bénévoles + 1250 notre pays» M. Samir Naciri, Directeur Général de Kerensen Consulting Maroc Conseillers associations marocaines à qui VIGEO remet son label d’association socialement Bénévoles responsable ». M. Fouad Benseddik, Membre du Comité de Direction de VIGEO during the +50 000 «Nous sommes très heureux d'être la première association au Maroc à bénéficier de France, DG de VIGEO Maroc Jeunes formés la solution CRM de Salesforce qui va nous permettre d'innover dans notre business «Nous nous réjouissons de cette nouvelle reconnaissance qui vient récompenser les depuis 2008 modèle et plus particulièrement dans la gestion de notre relation avec nos +30 000 Responsabilité Sociale COMMUNIQUÉ Jeunes formés efforts fournis pour la professionnalisation de notre association.» M. M’hammed partenaires et conseillers bénévoles.» M. M’hammed Abbad Andaloussi, Président Abbad Andaloussi, Président Directeur Général d’INJAZ Al-Maghrib. des12 Associations Directeur Général d’INJAZ Al-Maghrib SectionsGuide du régionalesLabel 12 A propos de Kerensen Consulting Maroc Sections régionales A propos de VIGEO Vigeo, agence leader en Europe et au Maroc de la notation et de l’audit de Start-up Weekend Filiale de Kerensen Consulting, société de conseil opérationnel orientée métier, capable La BMCI lance une campagne de bénévolat de compétences responsabilité sociale des organisations, a développé une méthodologie exclusive de prendre en charge la définition et le pilotage de projets impliquant de forts enjeux en partenariat avec INJAZ Al-Maghrib d’évaluation de la responsabilité sociale des associations. Cette méthodologie est business et une grande complexité technologique, dans un contexte national et international. également déclinée en une plateforme d’évaluation utilisée par les entreprises Pure player dans le Cloud, leader du CRM et premier partenaire Platinum et reseller de souhaitant recueillir, à partir d’un questionnement multicritère, une assurance Salesforce au Maroc, Kerensen Consulting propose trois lignes de services : conseil, raisonnable sur la responsabilité sociale au sens large des associations qui sollicitent intégration et technologie. INJAZ Al-Maghrib La BMCI a signé une convention de partenariat avec INJAZ Al-Maghrib pour soutenir leur appui financier ou technique A propos d’INJAZ Al-Maghrib Membre de Junior le déploiement des programmes de formation INJAZ dans toutes les villes où elle est of Laâyoune A propos d’INJAZ Al-Maghrib Achievement implantée. Tél : 05 29 01 15 15 Créée en 2007 sous l’impulsion du Groupe SNI, INJAZ Al-Maghrib est une SECTIONS Worldwide et Créée en 2007 sous l’impulsion du Groupe SNI, INJAZ Al-Maghrib est une association reconnue d’utilité publique qui se fixe pour mission de révéler aux jeunes A travers cette convention, la BMCI devient membre actif et contributeur majeur [email protected] REGIONALES d’INJAZ Al-Arab association reconnue d’utilité publique qui se fixe pour mission de révéler aux jeunes leur potentiel et stimuler leur esprit d’initiative à travers l’implication de l’entreprise d’INJAZ Al-Maghrib et lance une campagne de bénévolat de compétences auprès www.injaz-morocco.org dans l’enseignement public. 12 leur potentiel et stimuler leur esprit d’initiative à travers l’implication de l’entreprise «Que de chemin parcouru et quelle belle aventure que celle de ses cadres visant à les impliquer dans le projet de l’association en qualité de dans l’enseignement public. d’INJAZ Al-Maghrib. Voir chaque semaine des centaines de 10 conseillers bénévoles pour dispenser auprès des jeunes les programmes de Junior cadres d’entreprises donnner de leur temps, bénévolement, et communiquer leur passion de l’entreprenariat à des programmes de Achievement Worldwide, leader mondial en matière d’éducation à l’entreprenariat. The Economiste Tél : 05 29 01 15 15 formation jeunes, nous donne à nous, chefs d’entreprise, la fierté de [email protected] faire partie de ce corps de militants de l’économie» «Ce partenariat est une occasion unique pour les collaborateurs de la BMCI de www.injaz-morocco.org Mme. Miriem BENSALAH CHAQROUN, Présidente de la CGEM transmettre un savoir-faire, des compétences, et tout simplement, de donner du +90 Partenaires temps à des élèves et des étudiants, pour leur donner le goût de se prendre en main et d’entreprendre. C’est fondamental pour la BMCI : être créateur de plus-value, au + 1250 sens noble du terme, et derrière cela, de contribuer au développement économique Conseillers du Royaume.» M. Laurent Dupuch, Président du Directoire de la BMCI Bénévoles «Nous nous réjouissons de l’engagement à nos côtés du Président du Directoire de la +30 000 BMCI qui a invité plus de 180 collaborateurs à une manifestation organisée Jeunes formés spécialement pour présenter notre partenariat et les inviter à s’impliquer dans notre 12 projet.» M. M’hammed Abbad Andaloussi, Président Directeur Général Sections régionales d’INJAZ Al-Maghrib Ministère de l’Education Nationale et de la Formation Professionnelle A propos de la BMCI Première banque à avoir obtenu le label RSE de la CGEM, la BMCI (www.bmci.ma), dont l’actionnaire de référence est le Groupe BNP Paribas, exerce une activité universelle qui s’adresse à tout type de clientèle : particuliers ( y compris les MAROC Contact BMCI Saraa BOUZHAR marocains résidant à l’étranger), professionnels et entreprises. Chef de Projets Relations presse Tél: 05 22 49 44 32 A propos d’INJAZ Al-Maghrib [email protected] Créée en 2007 sous l’impulsion du Groupe SNI, INJAZ Al-Maghrib est une Contact INJAZ Al-Maghrib association reconnue d’utilité publique qui se fixe pour mission de révéler aux jeunes Tél : 05 29 01 15 15 leur potentiel et stimuler leur esprit d’initiative à travers l’implication de l’entreprise [email protected] www.injaz-morocco.org dans l’enseignement public. INJAZ Al-Maghrib est membre de Junior Achievement Worldwide et d’INJAZ Al-Arab qui a été reconnue par le Global Journal comme faisant partie du Top 100 des ONG les plus influentes au niveau mondial.

ATTITUDES CONSEIL Conseil - Ingénieurie - Formation

32 33 START-UPPERS, COMPETITION PRIZE WINNERS AND ALUMNI we are proud of your achievements!

To be an entrepreneur is to act responsibly and create projects with added value for society. To be an entrepreneur is to follow new paths, acquire and develop new skills. It is about daring to take risks, innovating and encouraging initiative. To be an entrepreneur is to build the future today!

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CONGRATULATIONS 2 nd edition - April 14th, 2015 Casablanca Stock Exchange competition under the aegis of the «Stock in Action» championship

The awards ceremony for the Stock in Action 2015 championship was held Tuesday April 14th , 2015 AND THE WINNERS ARE... at the Casablanca Stock Exchange. This The winners of the championship for the championship was organized in partnership with best portfolio management skills were the Casablanca Stock Exchange as part of the students from Moulay Idriss I High School Stock in Action programme. The Championship, of Casablanca, who were mentored by which took place between March 17th and April Mr. Hamza TAZI from Lydec. 2nd, 2015, brought together more than 300 high school students from 12 Casablanca state Congratulations to our winners: schools. Mountassir Benchekroun, Taha Amesaoud, Omar Affane, Youssef Benslimane, Ali Fallah et Mouad Ouarrad.

«First, I would like to express my gratitude to the entire INJAZ team which has worked INJAZ Al-Maghrib established extraordinarily around a set of strong values and common goals. The Stock in Action the alumni club programme was, in my opinion, one of the most worthwhile experiences that I have had An Alumni Club was established by INJAZ Al-Maghrib alumni INJAZ Morocco Alumni the good fortune and immense joy of who have participated in one or more entrepreneurship having. I never thought that we could training programmes. receive so much by simply spending a few The goal is to provide each year’s programme winners with hours per week with such generous networking opportunities created by and for alumni. students.» The Club’s executive committee comprises Ayman Bounri, Mr Hamza TAZI, Financial Analyst at Chairman, Youmn Mazoul, Vice-Chairman, Sahar El Aida, Lydec and INJAZ volunteer, who led the General Secretary and Imane Echehbani, Treasurer. winning team from the Moulay Idriss I To ensure that the Club performs effectively, three school committees were set up - youth support, network and recruitment.

36 National Competition AWARDS 2015 for the Best Junior Company 2015 National Competition award winners Special SNCF On completing the Company Program training, each city organises a competition for A jury of Foundation Award the Best Junior Company of the year at high school and university levels in order to professionals The SNCF Foundation and INJAZ Al-Maghrib celebrate the achievements of 4 months of intense efforts from these budding young presented Mobility Awards for the third entrepreneurs. consecutive year in recognition of young The winners of these regional competitions participate in the national finals in which High-school category jury entrepreneurs who had set up a Junior Company around the «mobility» theme. two Junior Company winners emerge from the high school and university categories. Mr. Hassan Allouch, Mazars; Finally, at the end of November, our national champions represent Morocco in the Mrs Mona Alami Merrouni, Unilever; MENA competition in which all the Junior Company finalists compete from Mrs Jihane Boukaidi, Unilever; INJAZ Al-Arab’s member countries. Mr. Mohammadin Alaoui Ismaili, Ministry of National Education; The jury included: Mr. Fayçal Khdiri, Mastercard; BEST JUNIOR COMPANY BEST JUNIOR COMPANY PEOPLE’S CHOICE - Mr. Dominique Vastel, SNCF; Mrs Laila Miyara, AFEM. HIGH SCHOOL LEVEL UNIVERSITY LEVEL Celebrating Morocco’s entrepreneurial youth - Mr. Philippe Hancart, Adecco; University category jury - Mr. Brahim Slaoui, Mafoder; INJAZ Al-Maghrib organized the eight competed: Casablanca, Rabat, Kenitra, The best 2015 Junior Company The Best 2015 Junior Company The People’s Choice was - Mrs Laila Mamou, Wafasalaf; National Competition for the Best 2015 Tangier, Oujda, Fez, Agadir, Marrakesh, Mr. Michael Dancel, Embassy of the US; at the high school level was at the university level was awarded to AMIS - Mr. Aziz Qadiri, Réseau Entreprendre Maroc; Mr. Jean-François Etienne, Unilever; Junior Company on Monday, September 14th Laayoune, El Jadida, Safi and Khouribga. awarded to ELECTRONIC awarded to USE FORFAIT from CREATEURS from Tangier’s - Mr. Said Sekkat, CGEM. 2015, which was attended by more than 200 Among these Junior Companies, 18 Mr. Zakaria Fahim, Hub Africa; COMPANY from Rabat’s Moulay Rabat’s Economics Faculty. The Torres High School. The personalities from industry and academia, finalists were selected, 7 from the Mr. Karim Hajji, Casablanca Stock Exchange; The SNCF’s Special Mobility Award was Youssef High School. The team, team, which was mentored by team, which was mentored as a follow up to the regional competitions university category and 12 from the high Mr. Mohamed Smani, R&D; presented to GUARD MY RIDE from which was mentored by Mrs Mrs Zerhouni, invented a system by Mrs. Zida, designed a in which more than 161 Junior Companies school category. Mrs Houda Farrahe, CJD. Rabat’s Mohammed V University, mentored Outla and Mr Zahraoui, designed for converting the unused bicycle which is able to (4,000 youth) from 12 Moroccan cities by Mr El Jazouli and Mrs Manni, which a charger using three sources minutes of telephone subscriptions transform mechanical General Public category jury designed a detector for detecting of energy (mechanical, electrical into purchase coupons. energy into electrical energy. INJAZ Al-Maghrib launched a social media movement or a moving car. and solar). website to enable the general public to vote online to elect the Best Junior Company. The online site received more than 30,000 votes between September 7th, 2015 and the 161 4000 18 evening of September 13th, 2015. Junior Companies trained youth to the laureates in the in 2014/2015 Company Program regional competitions

ELECTRONIC COMPANY USE FORFAIT AMIS CRÉATEURS GUARD MY RIDE

38 8 th edition National Competition for the Best 2015 Junior Company Company Program 2015 competition within the MENA region

Each year, the winners of the national Company Program competition participate in a regional competition, which is organized in one of INJAZ Al-Arab’s 14 member countries. This competition brings together the winners of INJAZ Al-Arab’s member nations competitions. The 2015 competition was organized in the Sultanate of Oman, November 24th and 25th, 2015. Morocco was represented by two junior companies, Electronic Company and «I feel very emotional this evening. We have successfully represented all Use Forfait, winners of the national competition. Moroccan universities! We are very grateful to you. We would like to thank INJAZ Al-Maghrib and its entire team, AND THE WINNERS ARE... who have made this incredible adventure Our two Junior Companies won two of the prestigious awards possible. The best is yet to come!» Ismail Bougaillou, CEO, USE FORFAIT smart start presented by INJAZ Al-Arab. USE FORFAIT ELECTRONIC COMPANY November 24th - 25th, 2015 BEST 2015 ARAB JUNIOR MOST INNOVATIVE COMPANY AWARD PRODUCT AWARD «Through the Junior Achievement MENA Competition organised experience, we have been able to meet USE FORFAIT, represented by Ismail ELECTRONIC COMPANY, from business leaders who are considered to by INJAZ Al-Arab for the Bougaillou, Rime Bakhir and Azelmat Moulay Youssef High School in Rabat, be amongst the best in the Arab world Best 2015 Arab Junior Mayssae from the Economics Faculty represented by Imane Hmiddou, Adil and around the world. They gave us in Rabat-Souissi, won the Best 2015 Bouhlassa and Ouassim Benchekroun, inputs on how to improve and develop our knowledge.» Imane HMIDDOU, Company award Arab Junior Company award. won the Most Innovative Product award. CEO, Electronic Company Founded in 2004, INJAZ Al-Arab is responsible for coordinating the work of affiliate members of Junior Achievement Worldwide, a world leader in entrepreneurship training, in 14 Arab countries.

43 2 nd edition of the SMART START Our Mentors Our start-uppers programme testify testify

Support and mentoring for the creation of 20 start-ups «The transformation of young «I cannot find the words to express my Responding to the needs of those wish to create their own start-ups. entrepreneurs is both surprising and ambition and motivation for our project, who wish to continue the Company The goal was to have 30 start-ups pleasant to witness. Over and above the Eco Dôme. The efforts that we have Program adventure beyond a formal by the end of the second year. There technical help given to create and made to launch the project has academic programme, INJAZ Al-Maghrib, were 10 in 2013-2014 and 20 in launch the project, I must say that my produced real results in terms of in partnership with CEED-USAID, 2014-2015 with 120 youth mentored. main satisfaction was the building our network of contacts and delivered for the 2nd consecutive year metamorphosis of these young partners and in terms of achievements.» a support programme for youth who entrepreneurs in terms of their Mustapha El-Bahraoui, start-upper professional maturity and business and CEO, Eco-Dome acumen.» Ali Zerouali, Incubation of the 2013-2014 promotion Managing Director, MCS «I was pleasantly surprised by how the Following the first Smart Start SOS COURS, managed by Sahar El SMART START programme evolved. It programme, there were three Aida, Noureddine Aioui and Souhail is a programme which focuses on what start-ups which benefited from the Gaboute, which provides academic entrepreneurship really is about and «Prior to our INJAZ experience, I had a services of an incubator. support to students, was incubated teaches youth the techniques misperception of the corporate world. by the AFEM of Casablanca. The required to prepare a business plan and After my entrepreneurship training, I latter provided the start-up with to sell it. I think that INJAZ Al-Maghrib has realised that I could never be a salaried premises and support in the form of done an excellent job in preparing and employee. I launched my own company specific training. GREEN ELECTRONIC LINK, providing support to young start-uppers» at the age of nineteen, specialising in managed by Jihad Hammoucha and YOUTH YELL, managed by Lina El Karim Faidi, Moroccan street art. I am now proud to Othmane Taleb, which specialises in Yakhloufi and Sami Abdellaoui, was Deputy Director, Costhouse be managing a flourishing company.» collecting, sorting and transferring incubated by the AFEM of Rabat and Lina Yakhloufi, start-upper electronic waste for recycling and the Réseau Entreprendre and CEO, Youth Yell processing, was incubated by Maroc, which gave this start-up Eiréné4Impact which offered MAD 215,000. Youth Yell had won the start-up venture capital of Best Project award at a competition MAD 500,000 to MAD 1,500,000. organised by AFEM in 2015.

44 45 admipoch Accompagnement administratif start-ups mentored in 2014-2015

20 ADMIPOCH, managed by BIO ESCA, managed by ATLASSIA, managed by COSPLAY CAFE,managed by Meryem El Rharib, provides Fatima-Zahra El Ayachi, Mohamed Amaatab, is a Hajar Jeddou, designs and fits administrative support markets a natural collaborative digital out Asian theme-based cafes

Pour une beauté naturelle concentrates-based economy platform anti-wrinkle cream

GREEN INVENTORS ENERGY BIO INNOVANT, managed ABIDAP, managed by Hamza BELDIA, managed by Nabil

ECO-DÔME Tous Services à Votre service directed by Samira Ez-Zaid, by Ahmed Manni, sells Oud Messaoudi, is an online B-to-B Aarab, produces 100% natural MAROC produces handbags containing a El Kamari-based cosmetic car leasing company organic cosmetic products photovoltaic module products

ECO-DÔME, managed by BINIDDIK, managed by PARA ENERGY, managed by LEL TECH, managed by Moustafa Elbahraoui, build Mohamed Atti, handles Mohamed Bennar, manufactures Mohamed Elhamdia, ecological domes used for troublesome tasks on behalf a photovoltaic parasol that produces dustbins and accommodation within the of customers generates electricity at zero cost containers for sorting waste tourism industry FRAIS BLADI LAIT CRU ENRCLIM

E-TOUR, managed by FRAIS BLADI, managed by ENRCLIM, managed by Mourad TRIP ECO, managed by Centre AMA Casa AMA Langues & Communication Maroune Saghir, sells a mobile Mohamed El Ouardani, Nachtane, is a research firm Youmn Mahzoul, is an version of a tourism guide markets organic dairy specialising in renewable energy e-tourism mobile application products

WLADNA, managed by AMACASA, managed by INNOECOVERT, managed DOROSSNAJAH, managed by Amine Bouchelkhat, provides Marouan Bouzeir, operates a by Jihane Mouldar, Redouane Benserrar, offers home baby-sitting and child-minding language and IT training centre manufactures an organic tutoring classes services at home or in waste-based fertiliser specially-adapted areas

46 47 Programme

participants 2013-2014 2014-2015

For the 2014-2015 academic year, INJAZ Al-Maghrib students hours students hours experienced an accelerated growth with training provided Company Program (high-school) 1 284 1 536 2 445 3 264 17,874 youth compared to 10,544 youth the previous year, Company Program (university) 1 736 1 950 2 129 2 184 an increase of 62%. Economics for Success 75 36 730 348 Stock in Action 0 0 300 168 Total training hours, which is a more reliable indicator of our business, grew 77% from 5,154 hours to 9,127 hours. It's my Business 870 360 1 330 624 Career Success 0 0 1 021 574 This was due to the extention of our activities in six new Steer your Career 0 0 663 406 towns, Marrakesh, Agadir, Fez, Oujda, Kenitra and Laayoune, Smart Start 44 528 80 960 in addition to offering three new programmes. Success Skills 452 280 0 0 Our Association now has operations in 12 towns, offering 9 TOTAL 1 4 461 4 690 8 698 8 528 different training programmes. Δ 95% 82% Business Leaders 2 213 44 3 850 68 As far as long programmes are concerned, growth was even Entrepreneurship Masterclass 3 870 420 5 056 516 stronger - the number of classes +97%, the number of Innovation Camp 270 15 2014 / 2015 students +95% and total training hours +82%. TOTAL 2 6 083 464 9 176 599 Our Association provided long programme training to 8,698 Δ 51% 29% students with Company Program accounting for 53% of the GENERAL TOTAL 10 544 5 154 17 874 9 127 MANAGEMENT total or 4,574 youth. Δ 70% 77% report +70% +77% 652 trained youth training hours volunteers in 2014/2015 in 2014/2015 in 2014/2015

49 Number of volunteers per company Developing our partnerships To train these youth, the Association successfully mobilized 652 volunteers in the year ended June 30th, 2015 versus 479 the previous year, an increase of 36%. Highlights in respect of corporate members and The training hours provided by volunteers were valued at MAD 5,476 K versus MAD 3,092 K the previous year, an partnerships were as follows: increase of 77%.

CDG Developpement, Centrale Boeing financed the setting up of the A partnership agreement was signed with Laitière, FC Com, Microsoft, Procter & Innovation Camp programme with a Phosboucraâ Foundation and CGEM Gamble and Western Union cancelled USD 25,000 donation South to promote entrepreneurship Number of volunteers in Companies their membership among 7,740 youth over 3 years in 2015 The United States Embassy subsidised Laayoune, Dakhla and Guelmim SNI Group 276 SNCF Foundation renewed its the opening of the Association’s Fez office Private 168 Principal EUR 15,000 subsidy for the mobility award with a USD 96,000 donation A partnership agreement was signed with BMCI to support implementation of our ACO 58 ratios A subsidy payment was made by the UNICEF helped us to set up operations programmes in all towns in which INJAZ Other companies 54 2014-2015 OCP Foundation for the second in the Eastern region with a USD 300,000 has operations IBM 18 consecutive year to the towns of donation over three years including USD 75,000 this year. At the end of this ONE 13 El Jadida, Khouribga and Safi Ratios for all agreement of a 26-months period, TMPA 12 Middle-school High-school University TOTAL 2 sponsors became active members 5,080 youth will be trained BMCI 11 programmes Wafacash (MAD 10 K to MAD 50 K) and 212 155 170 537 Maroclear (MAD 20 K to MAD 50 K) Alcatel Lucent Foundation increased its CRI 11 Classes 39% 29% 32% 100% donation from EUR 5,000 to EUR 10,000 Al Barid Bank 8 BMCI, Boeing, Marsa Maroc and SAP 7 196 3 766 6 992 17 954 Unilever 7 Students became members, taking total active Mastercard Foundation (USD 50 K) and 40% 21% 39% 100% CDG 6 membership to 57 members Citi Foundation (USD 40 K) renewed their 1 496 4 006 3 633 9 135 57 Hours subsidies active members Dell 6 16% 44% 40% 100% The partnership was strengthened with Royal Air Maroc 4 3 775 224 8 616 934 5 261 564 17 653 722 Sorec which increased its donation from of the Association Hours-students TOTAL 652 21% 49% 30% 100% MAD 50 K to MAD 100 K

50 51 1Income For the 2014-2015 financial year, INJAZ For the financial year which ended June 30th, A 56% increase in recurring overseas reported a 9% rise in income and a 34% 2015, the Association’s income grew 9% to donations to MAD 3,505 K, accounting for increase in expenses, resulting in net MAD 9,311 K due to a 23% increase in 38% of total income. This was due to an income of MAD 391 K versus recurring income and a 67% rise in agreement with UNICEF, which donated MAD 1,913 K the previous year. non-recurring income. MAD 283 K, a contribution from the US Embassy in Morocco which helped us to Recurring income, comprising subscriptions, set up our operations in Fez with a MAD (En KMAD) 2013-2014 2014-2015 Δ recurring donations and signed agreements 485 K donation and CEED, which for two or more years, increased 23% to Total subsidised the Smart Smart programme for 8 561 9 311 9% MAD 8,855 million, accounting for 95% of income up to MAD 862 K versus MAD 324 K the Total total income versus 84% last year. 6 648 8 920 34% previous year. expenses Net income This was due to: for the 1 913 391 -80% Subscriptions volumes were broadly period unchanged. Contributions accounted for 31% of total income versus 33% last year. Financial REPORT Net income does not include the following items, accounting MAD 1,718,753 – a second A 16% rise to MAD 2,449 K in recurring MAD 410,000 instalment from the US domestic donations, accounting for 25% Embassy, a EUR 15,000 donation from of total income. This was due to additional SNCF Foundation, a second MAD 75,000 donations from SNI (+MAD 138 K), Income ( in KMAD) 2013-2014 2014-2015 Δ instalment from the National Agency for the National Agency for the Development of the Total subsriptions 2 811 2 900 3% Northern Region (+MAD 75 K) and Sorec Recurring domestic Development of the Northern Region and 2 112 2 449 16% other donations received which have not yet (+MAD 75 K). donations Recurring overseas donations 2 251 3 505 56% been recorded (MAD 396,536 from UNICEF Total recurring income 7 174 8 855 23% The other main partners included Vivo and MAD 137,217 from Boeing), a third USD Non-recurring oversears 752 80 -89% 40,000 instalment from CEED-USAID and Energy (MAD 400 K), Attijariwafa bank donations a MAD 150,000 subsidy from the Eastern (MAD 150 K), Cooper Pharma (MAD 100 K) Other non-recurring income 635 376 -41% Regional Council. and Wafa Assurance (MAD 100 K). Total non-recurring income 1 387 456 -67% Total income 8 561 9 311 9% Non-recurring income, comprising External expenses rose by 44% from Staff costs rose from MAD 3,751 K non-recurring overseas donations and MAD 1,322 K to MAD 1,910 K due to: to MAD 5,033 K, an increase of 34%. Shareholders’ equity, cash other non-recurring income, fell by 67% This was due to recognition on a to MAD 456 K, accounting for 5% of total Expenses and marketable securities income versus 16% last year. 2 full-year basis of staff recruited the previous year as well as the 3 A 62% increase in travel expenses For the 2014-2015 financial year, the from MAD 476 K to MAD 770 K due recruitment of an additional 8 staff After accounting for net income of MAD 391 K for the This was due to: Association reported a 34% rise in expenses members during the financial year, financial year ended June 30th, 2015, total shareholders’ to MAD 8,920 K. The rise in expenditure was to business development and the primarily due to a 32% increase in purchases opening of offices in Fez, Oujda, 6 of whom were recruited to work in equity stood at MAD 5,173 K versus MAD 4,782 K at Receipt of a MAD 410 K subsidy from of materials and supplies to MAD 1,305 K due Marrakesh and Agadir, as well as the new regional offices. June 30th, 2014, an increase of 8%. Western Union and an award for the to: marketing and training, particularly in most innovative programme worth Other operating expenses declined by MAD 213 K from MetLife in Safi and Laayoune; As a result of the new contracts signed and donations recognition of the Association’s Stock 23% to MAD 191 K from MAD 248 K received, cash stood at MAD 1,549 K versus MAD 647 K Exchange in Action programme. A 51% increase in purchases of last year. last year. Marketable securities rose from MAD 2,492 K teaching materials from MAD 509 K to A 12% increase in entertainment to MAD 4,508 K at June 30th, 2014. MAD 769 K due to the growth of our expenses to MAD 338 K due to a rise business; in the number of ceremonies (office Cash and marketable securities totalled MAD 7,237 K Other expenses increased by 42% to Expenses ( in KMAD) 2013-2014 2014-2015 Δ An 84% increase in communications openings in Marrakesh, Fez and at June 30th, 2015 versus MAD 6,056 the previous MAD 482 K due to the write-off of year, an increase of 20%, equivalent to 10 months of Purchases of expenses from MAD 200 K to Oujda) and an increase in the MAD 359 K, due to the cost of printing number of regional competitions. irrecoverable debts totalling MAD 390 K. expenses. materials and 988 1 305 32% our Annual Report (MAD 86 K) and supplies translating into English, the FC Com External expenses 1 322 1 910 44% mentor recruitment campaign Staff costs 3 751 5 033 34% (MAD 72 K), the ‘Thanking all our Other operating partners’ advertisement in the 248 191 -23% expenses Economiste (MAD 30 K) and the cost Other expenses 339 482 42% of printing a range of communications Total expenses 6 648 8 920 34% materials such as brochures, flyers and roll-ups (MAD 120 K). +9% +8% +20% income shareholders’ equity Cash

54 55 Assets and Liabilities by 30/06/2015 Statements of income and expenses by 30/06/2015

Financial year Previous OPERATIONS Total of the Financial Previous Total of the previous ASSETS GROSS Depreciation and NET Year LIABILITIES Financial year Previous year STATEMENT OF INCOME AND EXPENSES provisions Net year year financial year financial year CAPITAL IN NO VALUE (a) FUNDS ASSOCIATIONS 1 2 3 = 1 + 2 4 Preliminary expenses Equity 1 335 016,39 1 335 016,39 REVENUE Sales of goods Accrued leave over several years Association funds no supplemental Redemption premiums on bonds Sales of goods and services produced Other reserves Turnover MAZARS AUDIT AND CONSULTING INTAGIBLE ASSETS (b) 171 870,00 17 226,00 154 644,00 9 605,50 Retained earnings (2) 3 566 901,39 1 653 758,06 Change in product inventory Capital research and development Surplus (+) / Deficit (-) 390 753,39 1 913 143,33 Assets produced Contributions, gifts, bequests and donations 2 875 000,00 25 000,00 2 900 000,00 2 870 500,00 Patents, trademarks and similar rights and values 171 870,00 17 226,00 154 644,00 9 605,50 TOTAL ASSOCIATIONS FUNDS 5 292 671,17 4 901 917,78 Goodwill Operating supply 5 936 019,49 123 385,00 6 059 404,49 5 183 059,59 Other intangible assets OTHER ASSOCIATIONS FUNDS Other operating income 108 345,07 108 345,07 Investment subsidy on non-renewable well 147 500,00 Operating times, charge transfer 90 000,00 90 000,00 346 000,00 ACCOUNTING AND FINANCIAL AUDIT REPORT TANGIBLE ASSETS ( c ) 1 397 915,62 822 798,39 575 117,23 492 204,11 Regulated provisions TOTAL I 9 009 364,56 148 385,00 9 157 749,56 8 399 559,59 Grounds OPERATING EXPENSES Association funds with supplemental FOR THE FINANCIAL YEAR ENDED JUNE 30th, 2015 Constructions Pruchases of goods and resale Right owners ( ready to use) Plant, machinery and equipment 899,00 404,55 494,45 674,25 Buy consumed materials and supplies 1 258 802,16 45 715,73 1 304 517,89 988 474,20 Transport equipment 28 500,00 15 750,00 12 750,00 18 258,33 TOTAL OTHER ASSOCIATIONS FUNDS 147 500,00 Other external expenses 1 907 458,78 2 407,92 1 909 866,70 1 321 721,62 Furniture, office equipment and fittrings 1 368 516,62 806 643,84 561 872,78 389 271,53 Taxes 3 828,00 3 828,00 3 800,87 Other tangible assets DEBT FINANCING ( c ) Personal expenses 5 031 247,09 1 400,00 5 032 647,09 3 751 335,50 Other operating expenses Assets under construction 84 000,00 Other borrowings Depreciation operating 191 375,30 191 375,30 247 588,68 FINANCIAL ASSETS (d) SUSTAINABLE PROVISIONS FOR LIABILITIES AND EXPENSES (d) TOTAL II 8 392 711,33 49 523,65 8 442 234,98 6 312 920,87 OPINION ON THE FINANCIAL STATEMENTS Immobilized loans Provisions for expenses OPERATING INCOME ( I - II ) 715 514,58 2 086 638,72 Other financial receivables Provisions foe risks FINANCIAL PRODUCTS Equity Income from equities and other securities immobilized Other investments DEDICATED FUNDS (e') Exchange gains 97 522,04 97 522,04 3 379,95 TRANSLATION DIFFERENCES - LIABILITIES ( e ) Interest and other financial income 49 813,95 49 813,95 21 272,25 TRANSLATION DIFFERENCES - ASSETS ( e ) Increase in nonperfoming loans Financial times, charge transfer 2 080,03 2 080,03 Decrease in nonperforming loans Reducation of debt financing TOTAL IV 149 416,02 149 416,02 24 652,20 Increase in debt financing FINANCIAL EXPENSES In our opinion, the financial statements give, in all material aspects, a true RESTRICTED PROPERTY RIGHTS (e'') TOTAL I ( a+b+c+d+e) 1 569 785,62 840 024,39 729 761,23 501 809,61 Interest expense and fair view of the income from operations for the financial year ended TOTAL I ( a+b+c+d+e ) 5 440 171,17 4 901 917,78 Exchange losses 15 052,98 15 052,98 600,57 STOCKS (f) Other financial expenses June 30th, 2015 and of the financial position of INJAZ Al-Maghrib as of Goods DEBTS OF LIABILITIES 2 883 375,51 3 042 010,98 Financial allocations 2 080,03 June 30th, 2015 in accordance with the generally-accepted accounting Consumable financial receivables Suppliers and related accounts 114 110,94 193 933,45 TOTAL V 15 052,98 15 052,98 2 680,60 Products in time Customers payable, advances and deposits FINANCIAL INCOME ( IV - V ) 134 363,04 21 971,60 principles and procedures applicable in Morocco. Intermedita products and resid products Staff 169 719,79 143 213,65 EARNINGS ( III - V I) 849 877,62 2 108 610,32 Finished products Social agencies 166 969,51 149 200,71 NON CURRENT Proceeds from disposals of fixed assets CLAIMS OF ASSETS (g) 674 658,35 55 000,00 619 658,35 1 648 381,77 State 52 604,44 51 606,52 Balancing subsidies Provided, receivables, deposits and advances 12 000,00 12 000,00 Associated accounts Users Reversal of investment subsidies 2 500,00 2 500,00 Clients and related accounts Other non-reccuring income 1 121,92 5,86 1 127,78 136 910,98 Casablanca, December 7th, 2015 Other receivables 1 667,50 325 723,32 Staff 10 873,58 10 873,58 Non-current times, expense transfers State Accruals - liabilities 2 378 303,33 2 178 333,33 TOTAL VIII 3 621,92 5,86 3 627,78 136 910,98 Associated accounts OTHER PROVISIONS FOR LIABILITIES AND EXPENSES 262 716,00 262 716,00 NON-CURRENT EXPENSES Other receivables 516 683,05 55 000,00 461 683,05 1 643 156,67 Net of amortization of intagible values assigned Asset accruals 135 101,72 135 101,72 5 225,10 TRANSLATION DIFFERENCES - LIABILITIES (h) ( circulating elements) Grants TOTAL II ( f+g+h ) 3 146 091,51 3 304 726,98 Other non-reccuring charges 460 671,98 2 080,03 462 752,01 332 377,97 SECURITIES AND VALUE OF INVESTMENT (h) 5 903 255,31 5 903 255,31 4 507 676,99 Non-recurring charges to Damping and provision AWAY FROM CONVERSION - ASSETS (i) CASH LIABLITIES TOTAL IX 460 671,98 2 080,03 462 752,01 332 377,97 Credits discount NON-CURRENT INCOME ( VIII- IV ) -459 124,23 -195 466,99 TOTAL II ( f+g+h+i) 6 577 913,66 55 000,00 6 522 913,66 6 156 058,76 Cash credit PROFIT BEFORE TAX ( VII+ X ) 390 753,39 1 913 143,33 CASH - ACTIVE Banks ( overdrafts) INCOME TAX Checks and cash values -2 080,03 NET ( XI - XII ) 390 753,39 1 913 143,33 Banks, T.G, and CP 1 317 208,51 1 317 208,51 1 532 842,39 TOTAL III Banks, Imprest and Flow 16 379,28 16 379,28 18 014,03 TOTAL I+II+III 8 586 262,68 8 206 644,76 TOTAL III 1 333 587,79 1 333 587,79 1 548 776,39 (1) Capital debtor staff TOTAL INCOME ( I + IV + VIII ) 9 310 793,36 8 561 122,77 GENERAL TOTAL I+II+III 9 481 287,07 895 024,39 8 586 262,68 8 206 644,76 (2) Beneficiary (+) . deficit (-) TOTAL EXPENSES ( II + V + IX + XII ) 8 920 039,97 6 647 979,44 NET ( XIV - XV ) 390 753,39 1 913 143,33

56 57 Resolutions of the Combined General Meeting of December 21st, 2015

EGM Resolutions Second resolution Seventh resolution Pursuant to the adoption of the preceding The Annual General Meeting shall appoint First resolution resolution, the Annual General Meeting shall the following new directors: discharge the directors of their management The Extraordinary General Meeting, after - SNI (represented by Mhammed being informed of INJAZ new draft articles responsibilities in respect of the period of Association, as proposed by the ended June 30th, 2015. Abbad Andaloussi and Abdelmjid Chairman, shall adopt them in their entirety. Tazlaoui) Third resolution - Managem The Annual General Meeting shall resolve, Second resolution - Wana Corporate on the proposal of the Board of Directors, to - Nareva The Extraordinary General Meeting shall give appropriate income of MAD 390,753.39 to full powers to the bearer of the original, copy retained earnings. - Vivo Energy Morocco or extract of the present report for the - Citibank Maghreb purpose of carrying out the necessary legal Fourth resolution - Mastercard Africa formalities. The Annual General Meeting shall resolve Eight resolution to ratify the decision to admit the following new members: BMCI, Maroclear, SAP and The Annual General Meeting shall give full Wafacash. powers to the bearer of the original, copy or extract of the present report for the purpose Fifth resolution of carrying out the necessary legal formalities. AGM Resolutions The Annual General Meeting shall resolve to ratify the decision to cancel the membership First resolution of the following members: Central Laitiere, The Annual General Meeting, after listening FC Com, Microsoft, Procter & Gamble, CDG to the Board of Directors’ reports concerning Developpement and Western union. the financial statements for the financial year ended June 30th, 2015, shall approve the Sixth resolution balance sheet and accounts for the said The Annual General Meeting shall period as presented, showing net income acknowledge that the Directors have BUILDING tomorrow’s world of MAD 390,753.39. It shall also approve completed their terms of office pursuant to the transactions reflected in these financial the provisions of the new Articles of around a strong set of statements or summarised in this report. Association. common values

58 SNI, INJAZ Al-Maghrib’s founder member

By placing INJAZ Al-Maghrib at the very enhancing its CSR vision by adopting heart of its CSR strategy, SNI is emphasising a progressive attitude across the entire its role as a socially responsible enterprise. Group, mobilising staff and encouraging This means not only supporting and value-creating behaviour. By mobilising accompanying INJAZ in its long-term and developing its human resources in a development but also actively helping to responsible manner, SNI is enhancing the provide entrepreneurship education to the wealth of its human capital in the service of next generation. a highly worthy national cause. SNI is underlining its commitment to

Our partners INJAZ, at the very heart of SNI’s CSR strategy

61 Our associated partners, for the promotion of innovation and business spirit

The CGEM, INJAZ partner for promoting The Ministry of Higher Ministry of National Education and Vocational Training, skills sponsorship Education, INJAZ associated partner an educational system which promotes entrepreneurial endeavours to promote the integration of youth

CGEM plays a vital role in helping us to At INJAZ, skills-based volunteering is the The partnership initiated by INJAZ Al-Maghrib in Our ambition, which is shared by the set up an educational commission, in approach focusing on developing and mobilise companies to become involved cornerstone of our business. Mobilising the Education sector with universities that deploy Ministry of National Education and partnership with INJAZ Al-Maghrib, bolstering the entrepreneurial skills in our project in each region in which business executives to help implement our programmes, aims to encourage innovation and Vocational Training, is to develop which is responsible for developing the of middle and high school students. we have operations. This consists of our programmes is an integral part of our development of projects related to the creation of junior in our youth the desire to become content of the 10th measure, entitled It is strongly committed to bringing organising meetings to present our business model. In addition, involving companies (Company Program), and also to promote the entrepreneurs. This is best illustrated ‘Initiative and Entrepreneurship’. This educational establishments and the Association to local businesses as well company employees in a community employability of students by providing them training on the by preparatory work undertaken by commission’s mission is to develop a business world into contact with each highlighting the benefits to companies service-based project enhances their development of soft skills and personal strategies for job the Ministry in defining ten priority training manual for high schools and other by involving corporate executives of actively pursuing skills sponsorship existing skills as well as helping them search. measures, the 10th of which is to colleges, decide on training content and trainers in the training provided. as part of their CSR strategy. Skills to develop new skills in communication promote entrepreneurial endeavour and identify the means for successful sponsorship makes it possible for and team leadership. Skills sponsorship and a business culture. The Ministry of implementation. This Ministry initiative company employees to offer their skills provides an excellent means of fostering Education’s Schools Department is the next logical step of an overall during business hours on a regular basis stronger ties between the company and A NETWORK OF IMPORTANT without charge. Choosing to participate its employees. It is a source of pride PARTNERS UNIVERSITIES in skills sponsorship shows an for volunteers who, after delivering our employee’s commitment as well as the programmes, can measure the actual University Hassan II - Casablanca willingness of the company to support a impact of their contribution on the youth worthy social cause. who they would have trained. University Mohammed V Souissi - Rabat University Chouaib Doukkali - El Jadida University Cadi Ayyad - Marrakesh et Safi University Ibn Zohr - Agadir University Mohamed Bnou Abdellaha - Fez

62 63 Our strategic partners, Partners TESTIMONIALS key to INJAZ’s success

Developing strategic partnerships is part of a long term strategy aimed at helping INJAZ to realise its ambitions. These partnerships have enabled us to develop our footprint across the country, gain access to new technologies as well as hither to unfamiliar know-how and build our brand. This is largely achieved as a result of our partners’ active participation in our project and offering their services free of charge. Over and above the significant financial contribution provided by our strategic partners, it is the value added component, resulting from the advice offered by them and the close cooperation with them, which gives provides us with the springboard to be able to achieve our goals. Mr Mohamed KETTANI, Mr Abdelaziz EL MALLAH, Mr Walter SIOUFFI, Mrs Regina De Dominicis, Chairman and CEO, Chairman, OCP’s Alliance Chairman and CEO, UNICEF’s representative Attijariwafa bank des Hors Cadres (ACO) CITIBANK North Africa in Morocco

«Through our partneship with «INJAZ’s activities responds to real «This partnership aims to INJAZ Al-Maghrib in support of needs in the broadest sense introduce youth to an «The priority for the country must be the entrepreneurial education of entrepreneurial, economic or entrepreneurial culture, prepare to give all Moroccan youth, especially youth, by mobilising our volunteer social. It is a real project built around them for the world of work and the most vulnerable, opportunities for staff, we aim to help develop the volunteer mentorship and a carefully help improve the business development and inclusion. UNICEF potential of youth who will build environment within the country. adapted learning model that and its partners support a more the Morocco of tomorrow and In working with INJAZ Al-Maghrib, thereby participate in our country’s introduces youth to the world we were able to overcome inclusive and equitable development.» of work, employability and considerable challenges, not only approach that is open to the world entrepreneurship education. We in urban areas but also in the and society. Our partnership with are pleased to strengthen our poorest rural areas. At Citi, we are INJAZ Al-Maghrib within the partnership, in particular by committed to providing the framework of the FORSA programme extending our cooperation to necessary support to young that we have just launched, Benguerir and Youssoufia, which has people to help them to lead underlines our commitment to youth, resulted in an expansion in the team successful lives.» especially the most vulnerable in of ACO volunteers. We will continue Morocco, by mobilising a highly to increase our pool of talent on reliable partner with a strong behalf of the country’s youth.» economics background and social

64 Partners TESTIMONIALS Our major contributors

A growing number of major contributors have joined INJAZ Al-Maghrib family including some of the most successful companies. Our project has become a reality thanks to their generous financial support and, in some cases, their adopting a CSR strategy which provides us with volunteers to help us carry out our training.

Laurent DUPUCH, Chairman Dominique VASTEL, Project Redouane Najm-Eddine, of BMCI’s Executive Board Director of SNCF Foundation Chairman of Al Barid Bank’s Morocco Executive Board

«This partnership provides a unique «Company Program is a very «Our Bank is especially aware of its opportunity for BMCI’s employees interesting programme. What is role as a socially responsible citizen to convey their know-how and skills important is that it fosters an and we are proud of the high level and, simply, to give of their time to entrepreneurial culture, a sense of of trust that our fellow citizens have students so as to encourage them to initiative and a determination to always had in us. We will continue assume responsibility for themselves to adopt an overall approach which succeed. This programme introduces and become entrepreneurs. This is reflects an ongoing commitment fundamental to BMCI – to generate high school and other students to to all Moroccans. The CSR label value added in the noblest meaning of business management. It is an awarded to Al Barid Bank recognises the term and thereby contribute to the excellent initiative by our unwavering commitment to our country’s economic development.» INJAZ Al-Maghrib.» implementing a pragmatic social responsibility strategy for many years within the Bank.»

66 67 Our contributors

A large number of companies from a diversity of industries, which are all committed to supporting INJAZ in its mission, are now committed to supporting youth education in state schools. Many of them have become active members of INJAZ.

CREATE a world where everyone feels sufficiently strong and confident to become a change AGENT

68 Our Board of Directors Our team - 31/12/2015 January 19th, 2016

Mhammed Mouna Hassan TAZI Ghislaine Emmanuelle Chrysoline Imane OUZZI Amine EL Majda OUBAHA Sandrine ABBAD KADIRI Financial and ABABOU LAVENAC DELEAU Operations MOUATARIF Operations WINTER ANDALOUSSI Advisor of Administrative Communication Partnerships Programmes Director of the Operations Director Director of the WOLF Chairman the Chairman Director Director Director Director Center Region of the North and South Region Project Oriental Regions manager

Houda Ghizlane Sofia REDA Sanaa LOUADIA Sabrina Salwa FARSI Yassine NAJI Soumia Imane SAHIBEDDINE KHAMMAL Community Operations EL MAALEM Account Operations OUHAMMOUCH MOURTAJI Assistant Monitoring Manager and Manager Partnership and Manager Manager Senior Operations Junior of the Chairman and Evaluation Graphic Designer Casablanca Fundraising Tangier Coordinator Operations Manager Manager Casablanca Coordinator Casablanca

Kamal LAHLALI Hind ESSEBRE Wiam LYAZIDI Khawla SALSABIL Safae EL Afaf IKZARN Douâa KONIA Zyad BELOUED Hinda Smart Start MEPI Project Operations Operations MANSOURI Operations Operations Operations BOUDAN Project Manager Manager Manager Coordinator Operations Assistant Coordinator Coordinator Operations Rabat - Sale Marrakesh Coordinator Agadir Meknes Marrakesh Region Coordinator Laayoune Fez

Reda TIDA Kaouthar KADA Sara QOULIJ Leila ABOUZAID Ghizlane JABIRI Fatima-Zahra FARSI Youssef Fahd CHEBAB Azelarab Operations Operations Operations Operations Operations Operations BEMMOUNA Operations MEGZARI Coordinator Coordinator Coordinator Coordinator Coordinator Coordinator Operations Coordinator General Kenitra Sale Nador El Jadida Khouribga Safi Coordinator Agadir Oujda and Berkane Services

70 Designed and written by INJAZ Al-Maghrib’s Communication Department OUR NETWORK [email protected] 06-08-88-81-94 Yassine NAJI INJAZ TANGIER [email protected] 06-01-97-91-50 Sara QOULIJ INJAZ NADOR [email protected] 06-01-55-12-50 Douâa KONIA INJAZ MEKNES [email protected] 06-00-09-20-42 Sanaa LOUADIA INJAZ CASABLANCA [email protected] 06-08-89-57-65 Fatima-Zahra FARSI INJAZ SAFI [email protected] 06-46-14-72-91 Wiam LYAZIDI INJAZ RABAT [email protected] 06-08-88-83-37 Hinda BOUDAN [email protected] 06-08-89-57-69 Safae EL MANSOURI INJAZ LAAYOUNE INJAZ FEZ [email protected] 06-08-89-57-71 Zyad BELOUED INJAZ MARRAKESH [email protected] 06-01-46-76-96 Reda TIDA INJAZ KENITRA [email protected] 06-01-97-86-58 Fahd CHEBAB INJAZ OUJDA /BERKANE [email protected] 06-08-85-70-70 Majda RADIOUBAHA INJAZ AGADIR [email protected] 06-59-86-29-99 Ghizlane JABIRI INJAZ KHOURIBGA [email protected] 06-59-25-57-42 Leila ABOUZAID INJAZ EL JADIDA [email protected] 06-54-76-85-18 Kaouthar KADA INJAZ SALE