Tamwilcom
From Wikipedia, the free encyclopedia
- Central Guarantee Fund (1949-2021)
 | |
 | |
| Agency overview | |
|---|---|
| Formed | 2021 |
| Preceding agency |
|
| Jurisdiction | Morocco |
| Headquarters | Rabat, Morocco |
| Agency executive |
|
| Parent agency | Ministry of Economy and Finance |
| Website | www |
Tamwilcom is a Moroccan public financial institution specializing in financing guarantees and support for access to credit for businesses. It operates notably in favor of very small, small and medium-sized enterprises, project holders, and certain investment operations.
The institution results from the transformation of the Central Guarantee Fund (CCG), created in 1949. In 2021, the CCG was transformed into a public limited company under the legal name National Company for Guarantee and Business Financing (SNGFE), while adopting the brand Tamwilcom.[1]
The Caisse centrale de garantie was created in 1949. It gradually developed guarantee mechanisms intended to facilitate business financing.[1]
In 2020, Law No. 36.20 provided for the transformation of the CCG into a public limited company. This transformation became effective in 2021, with the adoption of the legal name National Company for Guarantee and Business Financing and the brand Tamwilcom. This evolution is part of a reform of the public framework supporting business financing in Morocco.[2]
Missions
Tamwilcom contributes to the financing of the economy by implementing credit support mechanisms, in partnership with banking and financial institutions.
Its activities notably take the form of:
- guarantee schemes for loans;
- co-financing operations;
- programs supporting the creation and development of businesses;
- instruments related to investment and certain public policies.
Role in the economy
Tamwilcom is part of the public mechanisms supporting business financing in Morocco. It operates in complement to the banking sector in the implementation of public policies related to entrepreneurship, investment, and financial inclusion.[3]
Programs
Intelaka
Tamwilcom participates in the implementation of the Intelaka program, launched in 2020 to facilitate access to financing for young project holders, micro-enterprises, and very small businesses.[4]
According to the World Bank, this program is part of a broader framework supporting entrepreneurship and financial inclusion.[3]
Green Invest
Tamwilcom also implements schemes related to financing projects linked to the energy and environmental transition, notably through the Green Invest program.[3][5]
