wafir.ma studies & observatories
Quantified and independent analyses of the Moroccan financial market. Quarterly reports free to read online, built from official publications (Bank Al-Maghrib, ACAPS, HCP, NARSA) and aggregated data from the wafir.ma platform.
All our studies
Read the complete studies online for free, no sign-up required
Wafir Summer 2026 Barometer: what Moroccans really ask for in credit and insurance
First edition based on real platform data — 1,019 applications submitted between 20 May and 24 August 2026
Morocco Real Estate Credit Observatory — Q3 2026
Quarterly edition — policy rate, average rates and ranges by profile, housing loan outstanding, Daam Sakane and H2 2026 outlook
Morocco Auto Insurance Observatory — Q3 2026
Quarterly edition — 2025 premiums, August 4, 2026 liability increase, loss ratio, market players, road accidents and H2 2026 outlook
Coming soon — upcoming studies
Our editorial calendar for the coming months. Each study is released on its date with verified data.
MRE & Diaspora Observatory
Remittances, real-estate investment and banking of the Moroccan diaspora
Daam Sakane Observatory — 3-year review
Beneficiaries, profiles and impact of the housing aid program
Participatory Banking Observatory — 8-year review
Market shares, Mourabaha margins and outlook of the participatory sector
Health Insurance & AMO Observatory
AMO coverage, complementary mutuals and household out-of-pocket costs
E-commerce & Payments Observatory
CMI transactions, mobile payment and online shopping habits
Moroccan Savings Observatory
Savings accounts, funds, real estate and gold: where household savings go
MRE Transfers Observatory
Flows, channels and costs of diaspora transfers
Our methodology in 3 pillars
How our studies are built to guarantee you reliable and useful information.
Public institutional sources
Bank Al-Maghrib, HCP, ACAPS, ANCFCC, GPBM, CMI: we cross-reference official data published for each sector.
Aggregated platform data
Simulations and requests made on wafir.ma, aggregated and anonymized, reveal real demand trends.
Dated editorial validation
Every figure is reviewed, sourced and dated; studies are updated or withdrawn if data changes.
Independent studies
wafir.ma receives no funding from the institutions analyzed. Our approach remains exclusively editorial and factual. All our studies are free, with no registration condition or data resale.