<?xml version="1.0" encoding="UTF-8"?>
<!--Generated by Squarespace Site Server v5.9.2 (http://www.squarespace.com/) on Wed, 10 Mar 2010 03:42:20 GMT--><rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:rss="http://purl.org/rss/1.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:admin="http://webns.net/mvcb/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:cc="http://web.resource.org/cc/"><rss:channel rdf:about="http://www.drisstemsamani.com/interviews/"><rss:title>Articles</rss:title><rss:link>http://www.drisstemsamani.com/interviews/</rss:link><rss:description></rss:description><dc:language>en-US</dc:language><dc:date>2010-03-10T03:42:20Z</dc:date><admin:generatorAgent rdf:resource="http://www.squarespace.com/">Squarespace Site Server v5.9.2 (http://www.squarespace.com/)</admin:generatorAgent><rss:items><rdf:Seq><rdf:li rdf:resource="http://www.drisstemsamani.com/interviews/2010/3/5/ambassadeurs-du-maroc-a-letranger-nos-mre-marocains-residant.html"/><rdf:li rdf:resource="http://www.drisstemsamani.com/interviews/2010/3/5/the-role-of-marketing.html"/><rdf:li rdf:resource="http://www.drisstemsamani.com/interviews/2010/3/1/whats-holding-children-back-in-africa.html"/><rdf:li rdf:resource="http://www.drisstemsamani.com/interviews/2010/2/23/what-makes-a-difference-inside-the-dna-marketing-theory.html"/><rdf:li rdf:resource="http://www.drisstemsamani.com/interviews/2010/2/22/leconomie-marocaine-continuera-a-resister-face-a-la-crise.html"/><rdf:li rdf:resource="http://www.drisstemsamani.com/interviews/2010/2/22/migrant-remittances-a-boom-or-a-bust-for-moroccos-economy.html"/><rdf:li rdf:resource="http://www.drisstemsamani.com/interviews/2010/2/19/remittances-from-usa-to-morocco-decline-in-2009.html"/><rdf:li rdf:resource="http://www.drisstemsamani.com/interviews/2010/2/16/government-agencies-responsible-of-moroccans-overseas-commun.html"/><rdf:li rdf:resource="http://www.drisstemsamani.com/interviews/2010/2/10/arab-americans-capture-the-attention-of-us-advertisers.html"/><rdf:li rdf:resource="http://www.drisstemsamani.com/interviews/2009/8/12/un-obama-dorigine-marocaine-dans-lillinois.html"/></rdf:Seq></rss:items></rss:channel><rss:item rdf:about="http://www.drisstemsamani.com/interviews/2010/3/5/ambassadeurs-du-maroc-a-letranger-nos-mre-marocains-residant.html"><rss:title>Ambassadeurs du Maroc à l’étranger, nos MRE (marocains résidants à l’étranger)</rss:title><rss:link>http://www.drisstemsamani.com/interviews/2010/3/5/ambassadeurs-du-maroc-a-letranger-nos-mre-marocains-residant.html</rss:link><dc:creator>Update</dc:creator><dc:date>2010-03-05T08:07:49Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[<p>Ambassadeurs du Maroc &agrave; l&rsquo;&eacute;tranger, nos MRE (marocains r&eacute;sidants &agrave; l&rsquo;&eacute;tranger), qui essaient de v&eacute;hiculer &agrave; travers leur r&eacute;ussite, l&rsquo;espoir, l&rsquo;ambition et une image positive, &eacute;voluent dans des domaines aussi vari&eacute;s que la finance, la m&eacute;decine ou la recherche.<br /><br />Par Kenza Berrada<br />Essor Magazine<br /><br /><br />Parti en 1986 passer des vacances &agrave; Miami chez son oncle, l&rsquo;artiste Bachir Skiredj, acteur marocain de renom, Driss R. Temsamani, &acirc;g&eacute; &agrave; l&rsquo;&eacute;poque de 17 ans, d&eacute;cide de ne plus revenir au Maroc et de faire de l&rsquo;Etat de Floride sa nouvelle terre d&rsquo;accueil.&nbsp;<br /><br />En d&eacute;pit des injonctions de sa famille, il maintient sa position de rester aux USA pour vivre et accomplir son &laquo;r&ecirc;ve am&eacute;ricain&raquo;, aspirant &agrave; des ambitions plus fortes et plus hautes. Dot&eacute; d&rsquo;un esprit cr&eacute;atif, il se sentait oppress&eacute; dans un Maroc o&ugrave; les math&eacute;matiques et la physique prennent le dessus et o&ugrave; ses r&eacute;sultats scolaires, plus que m&eacute;diocres, ont suscit&eacute; les interrogations et la col&egrave;re de son p&egrave;re. &laquo;J&rsquo;ai fui aux Etats-Unis pour me retrouver, me construire. Au Maroc, je me sentais incompris, dans un syst&egrave;me social scolaire qui n&rsquo;accepte pas la diff&eacute;rence&raquo;, explique Driss Temsamani.&nbsp;</p>
<p><span class="full-image-block ssNonEditable"><span><img src="http://www.drisstemsamani.com/storage/MRE_USA.jpg?__SQUARESPACE_CACHEVERSION=1267776572141" alt="" /></span></span></p>
<p>Arriv&eacute; avec 220 dollars en poche et un simple visa de touriste, ne ma&icirc;trisant nullement l&rsquo;anglais, il se retrouve rapidement sans le sou, sans domicile fixe et en situation ill&eacute;gale. &laquo;Mon fr&egrave;re a&icirc;n&eacute; est venu jusqu&rsquo;en Floride pour me convaincre de revenir au bercail, mais j&rsquo;ai fui la maison de Skiredj et j&rsquo;ai err&eacute; pendant une semaine dans les rues, sans argent ni domi- cile fixe&raquo;, explique-t-il. Ce sera son fran&ccedil;ais appris au Maroc qui lui assurera son premier emploi en tant que guide touristique chez un Cor&eacute;en au march&eacute; aux puces &agrave; Miami. &laquo;Apr&egrave;s trois semaines de dur labeur, j&rsquo;ai pu m&rsquo;offrir ma premi&egrave;re voiture. Celle-ci &eacute;tait mon moyen de transport, ma maison et mon refuge&raquo;, souligne Driss Temsamani. Malgr&eacute; les 14 heures de travail qu&rsquo;exige de lui son employeur, il entreprend en parall&egrave;le des cours du soir quotidiens et gratuits pour apprendre l&rsquo;anglais. Il passera ainsi une ann&eacute;e de descente en enfer et de travail.&nbsp;<br /><br />Adopt&eacute; par l&rsquo;Am&eacute;rique, en 1988, Il d&eacute;bute ensuite dans un nouvel emploi dans l&rsquo;&eacute;lectronique informatique dans une bo&icirc;te fran&ccedil;aise implant&eacute;e &agrave; Miami, Ami Assistance, agence sp&eacute;cialis&eacute;e dans les assurances voyages, o&ugrave; il restera quatre ans, et qui financera son bachelor en gestion entam&eacute; en parall&egrave;le en cours du soir. Son dipl&ocirc;me en poche, il embarque vers un nouvel emploi en tant que market manager chez T&eacute;l&eacute;cinco Network, un r&eacute;seau de t&eacute;- l&eacute;vision espagnole. Au bout de quatre ans, il quitte son travail pour revenir au Maroc et renouer avec son pays natal. Il restera six mois au chevet de son p&egrave;re mourant avant de retourner aux USA reprendre sa vie professionnelle et relancer sa carri&egrave;re. Il entreprend alors un MBA business &agrave; Columbus University, en 1999, et entame ainsi un nouvel &eacute;pisode de sa vie professionnelle en tant que consultant marketing.&nbsp;<br /><br />Il effectue des missions pour de grandes bo&icirc;tes am&eacute;ricaines telles que Walmart, r&eacute;seau de distribution am&eacute;ricain... C&rsquo;est dans le cadre d&rsquo;une mission de consulting pr&eacute;vue pour six mois qu&rsquo;il int&egrave;gre la Citibank, l&rsquo;une des plus importantes banques du monde et qui emploie plus de 300.000 personnes. Une mission qui aboutira directement &agrave; son recrutement. Apr&egrave;s quatre ann&eacute;es pass&eacute;es dans cette structure, il est envoy&eacute; pour une mission de quatre ans &agrave; Buenos Aires en tant que vice-pr&eacute;sident planning et marketing pour trois pays d&rsquo;Am&eacute;rique Latine. &Agrave; Buenos Aires, il pr&eacute;pare un ex&eacute;cutive MBA en marketing industriel &agrave; l&rsquo;universit&eacute; IAE australe. &laquo;Mes ambitions ont toujours &eacute;t&eacute; plus grandes que moi&raquo;, souligne le vice-pr&eacute;sident du d&eacute;partement marketing. Une conception logique quand on apprend que la plus grande frayeur de ce manager est d&rsquo;avoir une vie inutile, de ne pas marquer le monde de son empreinte.<br /><br />Il revient aux USA o&ugrave; il se verra attribuer le titre de vice-pr&eacute;sident du d&eacute;partement marketing et business management de la Citibank pour les 23 pays d&rsquo;Am&eacute;rique Latine et des Cara&iuml;bes. Cependant, son r&ecirc;ve s&rsquo;agrandit et englobe d&rsquo;autres convoitises et ambitions, celles de se lancer dans une nouvelle carri&egrave;re, le social, qui lui assurera un rapprochement avec ses origines. Il fond&eacute; SOS Morocco, une association de lutte contre le tourisme sexuel au Maroc.&nbsp;<br /><br />M&ecirc;me install&eacute; loin du pays, Driss Temsamani se d&eacute;crit avec un pied aux USA et un pied au Maroc. &laquo;Cependant, je me sens plus Marocain aux USA qu&rsquo;au Maroc. Et mon amour pour ma patrie en devient encore plus fort&raquo;, appuie Driss Temsamani. Des liens forts, qui, affirme notre expert, sont la preuve d&rsquo;une volont&eacute; de retour &agrave; la terre natale. Celui-ci se fera dans un futur proche avec l&rsquo;ambition de rapporter les bonnes pratiques adopt&eacute;es aux USA vers le Maroc. Mais cela ne se fera pas sous une forme entrepreneuriale, mais par le biais d&rsquo;une pr&eacute;sence sociale ou politique. &Ecirc;tre au plus pr&egrave;s des jeunes, des enfants et du peuple, telle est la base &agrave; former selon notre expert en marketing. &laquo;Le Maroc a besoin de personnes qui vont au-del&agrave; d&rsquo;eux- m&ecirc;mes&raquo;, souligne-t-il.</p>]]></content:encoded></rss:item><rss:item rdf:about="http://www.drisstemsamani.com/interviews/2010/3/5/the-role-of-marketing.html"><rss:title>The Role of Marketing</rss:title><rss:link>http://www.drisstemsamani.com/interviews/2010/3/5/the-role-of-marketing.html</rss:link><dc:creator>Update</dc:creator><dc:date>2010-03-05T07:23:49Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[<p>&nbsp;</p>
<p>By Driss R. Temsamani</p>
<p><span class="full-image-block ssNonEditable"><span><img src="http://www.drisstemsamani.com/storage/the role of marketing.jpg?__SQUARESPACE_CACHEVERSION=1267774015013" alt="" /></span></span></p>
<p>To strive for competitive differentiation in a commoditized world, businesses should rethink their approach to product innovation, attracting, retaining, and expanding profits. In other words, they need to rethink the role of marketing in the overall business strategy.<br /><br />To boost the impact of the marketing department on sales activities, the spotlight falls on the product marketing unit to develop and market new products efficiently and effectively. In order to understand the role of the marketing department in delivering product innovation we should first examine the nature of the organization and reporting structures of the business model.<br /><br />While product marketing units located within a central marketing department enjoy visibility into the product innovations targeted to customers across revenue segments, reducing duplicative activities and improving communication between business silos; decentralizing product marketing within lines of business or within a decentralized marketing department allows for closer communication between product development and the line of business which facilitates the creation of tailored product solutions.</p>
<p><span class="full-image-block ssNonEditable"><span><img src="http://www.drisstemsamani.com/storage/jsi0007l.jpg?__SQUARESPACE_CACHEVERSION=1267774034254" alt="" /></span></span></p>
<p>The relationship of Marketing function with the Sales organization is another key driver to understanding customer needs and the product development process. A sales marketing oriented strategy enables product managers to avoid pitfalls in developing new products and helps ensure that the sales force will find the new products easy to sell to their clients. A sales marketing focused strategy in an environment of compressed margins drives higher performance.<br /><br />In summary, aligning the role of marketing with the strategic business priorities will drive a better understanding of client's needs hence a high product relevance and a differentiated value proposition.</p>]]></content:encoded></rss:item><rss:item rdf:about="http://www.drisstemsamani.com/interviews/2010/3/1/whats-holding-children-back-in-africa.html"><rss:title>What's holding children back in Africa?</rss:title><rss:link>http://www.drisstemsamani.com/interviews/2010/3/1/whats-holding-children-back-in-africa.html</rss:link><dc:creator>Update</dc:creator><dc:date>2010-03-02T04:38:36Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[<p><strong>By Driss R. Temsamani</strong></p>
<p>The Guardian conducted a resent survey on the education system in Africa. The region is behind on many levels to other emerging markets countries and the results sound an alarm that require serious attention from the Public Sector, NGOs and educators.<br /><br />93% of parents surveys said that they have no interest or have not researched the quality of schools their children are attending. Only 20% believed they have influence on the teachers and the education system.<br /><br />40% of parents surveyed reported paying school registration fees in Uganda. In Morocco the figure was 90%.&nbsp;<br /><br />53% of school staff received special training to deal with students's issues in Uganda. In Madagascar it was 23%, Ghana 28% and Morocco 7%.<br /><br />The survey also found that school systems in Africa were affected by corrupt practices such as embezzlement of public funds and abuse of power by teachers as well as alcoholism, absenteeism and sexual exploitation of children.</p>]]></content:encoded></rss:item><rss:item rdf:about="http://www.drisstemsamani.com/interviews/2010/2/23/what-makes-a-difference-inside-the-dna-marketing-theory.html"><rss:title>What makes a difference? Inside the DNA Marketing Theory</rss:title><rss:link>http://www.drisstemsamani.com/interviews/2010/2/23/what-makes-a-difference-inside-the-dna-marketing-theory.html</rss:link><dc:creator>Update</dc:creator><dc:date>2010-02-24T04:43:45Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[<div><span style="font-family: Verdana, Helvetica, Arial;"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><strong><br />
<div class="photo_img"><span class="full-image-block ssNonEditable"><span><img src="http://www.drisstemsamani.com/storage/jmr_logo.jpg?__SQUARESPACE_CACHEVERSION=1266988357346" alt="" /></span></span></div>
<div class="photo_img">What Makes the Difference?</div>
</strong></span></span></div>
<div>By Driss R. Temsamani<br /><br />Success can be achieved when you can give your clients exactly what they want. Sounds simple? Well, on an average only 20% of companies competing for your wallet get it. So what makes a difference? Relevance.&nbsp;<br /><br />Let's say that your clients stand at the beginning of a straight line, location: point 0 and your stand at the end of the same line, location: point 100. The way you can measure relevance in product marketing is the distance, in this case between 0 and 100. The closer the distance, the higher your chance of a sell and the farther you are the harder is the sell. The distance is also a direct correlation between an implosive buying decision versus persuasive. The closer the distance the less advertising and promotion is required to push your products.</div>
<div></div>
<div>In traditional marketing it is widely accepted that products carry an inherited value based on unique features and benefits. In my theory called DNA Marketing, I challenge this notion based on the fact that there are non tangible products. Take for example trust or experience. You can&rsquo;t touch it, smell it, taste it or put it in a box. On the other hand, there are people who look for trust or experience and pay a price for them.<br /><br />By following the traditional Marketing approach companies wrongly invest in product packaging and advertising to communicate physical differentiation and forget about what most important, the hiding value. As a result of this approach, the return on investment is marginal. In the DNA Marketing theory, I present a new framework that Marketers can use to build a brand strategy that stands out. By introducing Relevance as a new differentiation category, companies can close the gap between their clients needs and their solutions.</div>
<div></div>
<div></div>
<div></div>
<div><span class="full-image-block ssNonEditable"><span><img style="width: 463px;" src="http://www.drisstemsamani.com/storage/CM%20Capture%201.jpg?__SQUARESPACE_CACHEVERSION=1266988419295" alt="" /></span></span></div>
<div></div>
<div>So how do you build relevance into your product? To start, conduct a discovery survey. Ask your prospects what keeps them awake at night; what is the nature of problem that they are facing; how they would describe a pleasant state of mind; what gives them pleasure; so forth and so on. These type of questions will give you the qualitative indicators to start building the product blue.<br /><br />With the product design complete, focus on a targeted communication campaign. Use what your clients told you in the discovery phase to build key message about your product value proposition. Remember that your differentiation is hiding and not physical, it&rsquo;s Relevance, so use it at the center of your go to market strategy.<br /><br />Measure, measure and measure! With the product pitch in the market, you can never turn your head away from the voice of your clients. The second most important aspect of a successful marketing strategy is to measure and adopt to your client's needs. After you ask your clients what is important to them, now it&rsquo;s time to ask them if what you are selling is relevant to their needs. Plot their answers from 0 to 100 and create a scale that can be historically trended. This information will allow you to adjust your strategy as you go and bridge the gap between your client&rsquo;s needs and your product offering. That&rsquo;s what will make a difference! That's Relevance of the DNA Marketing Theory.</div>
<div>
<div>
<div>
<div>
<div></div>
<div></div>
<div></div>
</div>
</div>
</div>
</div>]]></content:encoded></rss:item><rss:item rdf:about="http://www.drisstemsamani.com/interviews/2010/2/22/leconomie-marocaine-continuera-a-resister-face-a-la-crise.html"><rss:title>L'économie marocaine continuera à résister face à la crise</rss:title><rss:link>http://www.drisstemsamani.com/interviews/2010/2/22/leconomie-marocaine-continuera-a-resister-face-a-la-crise.html</rss:link><dc:creator>Update</dc:creator><dc:date>2010-02-23T03:54:38Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[<p>Les indicateurs &eacute;conomiques disponibles &agrave; la fin de l&rsquo;ann&eacute;e 2009 t&eacute;moignent de l&rsquo;excellente r&eacute;sistance de l&rsquo;&eacute;conomique ch&eacute;rifienne face &agrave; la crise mondiale : un ch&ocirc;mage pass&eacute; de 9,6% de la population active en 2008 &agrave; 9,1% en 2009, et une croissance qui s&rsquo;&eacute;tablit, selon les chiffres de la Direction des &eacute;tudes et perspectives financi&egrave;res (DEPF), &agrave; 5,3% minimum en 2009.</p>
<p>Les chiffres diffus&eacute;s r&eacute;cemment par la DEPF viennent confirmer l&rsquo;intuition de tous les observateurs avis&eacute;s de l&rsquo;&eacute;conomie marocaine : probablement parce que le royaume ch&eacute;rifien n&rsquo;a pas c&eacute;d&eacute; &agrave; la financiarisation excessive de l&rsquo;&eacute;conomie qui a &eacute;t&eacute; le p&eacute;ch&eacute; fondamental que paient aujourd&rsquo;hui les &eacute;conomies occidentales, et en particulier l&rsquo;&eacute;conomie am&eacute;ricaine, mais aussi parce que la campagne agricole 2009 a &eacute;t&eacute; particuli&egrave;rement bonne, le Maroc a connu pendant l&rsquo;ann&eacute;e &eacute;coul&eacute;e une nette progression &eacute;conomique, port&eacute;e par la demande int&eacute;rieure. Le Maroc, un immense chantier de construction ! Du coup, m&ecirc;me le BTP se porte bien, avec une remont&eacute;e de la vente de ciment de 3,4% &agrave; fin 2009, compar&eacute;e &agrave; fin 2008.</p>
<p>En t&eacute;moignent les nombreux chantiers de construction qui se poursuivent sans d&eacute;semparer. La r&eacute;novation de la voirie de la Corniche de Casablanca, d&eacute;sormais achev&eacute;e, permet une relance de l&rsquo;am&eacute;nagement du bord de mer, avec plusieurs grands programmes de construction qui vont largement redessiner ce paysage et &eacute;largir sensiblement ses capacit&eacute;s d&rsquo;accueil.</p>
<p>Interrog&eacute; par Afrik.com, un important homme d&rsquo;affaires marocain, bon connaisseur des &eacute;quilibres &eacute;conomiques internationaux, r&eacute;sume sa vision de la situation d&rsquo;une formule d&eacute;finitive : &laquo; &nbsp;La crise ? Quelle crise ? &raquo; Plusieurs causes expliquent cette bonne sant&eacute; insolente, mais en premier lieu la forte demande int&eacute;rieure, qui s&rsquo;appuie &agrave; la fois sur la croissance des revenus des m&eacute;nages ruraux (la bonne saison agricole 2009 leur a directement profit&eacute;), la hausse des cr&eacute;dits &agrave; la consommation (&agrave; contre-courant de l&rsquo;&eacute;volution constat&eacute;e en Europe, o&ugrave; le secteur bancaire a &eacute;t&eacute; tr&egrave;s &eacute;prouv&eacute;) et le soutien apport&eacute; au pouvoir d&rsquo;achat par la politique de r&eacute;duction des imp&ocirc;ts sur le revenu et la revalorisation des salaires.</p>
<p>L&rsquo;Etat marocain prend &eacute;galement sa part dans le d&eacute;veloppement de l&rsquo;activit&eacute;, avec une augmentation &agrave; deux chiffres des d&eacute;penses d&rsquo;investissement du budget de l&rsquo;Etat&hellip; sans que cela entra&icirc;ne jusque l&agrave; de d&eacute;ficit significatif sur 2009.</p>
<p>Le Maroc r&eacute;siste mieux que la plupart des pays plus d&eacute;velopp&eacute;s. Ainsi la croissance de l&rsquo;&eacute;conomie marocaine appara&icirc;t comme une croissance saine et solide dans une conjoncture &eacute;conomique mondiale morose : le Maroc sera en bonne position pour profiter pleinement de la reprise mondiale, si elle survient en 2010, car les exportations repartiront alors &agrave; la hausse, confortant le dynamisme de la demande interne. La crise ? Quelle crise ? Pour l&rsquo;instant, vus de Casablanca, tous les indicateurs sont au vert</p>]]></content:encoded></rss:item><rss:item rdf:about="http://www.drisstemsamani.com/interviews/2010/2/22/migrant-remittances-a-boom-or-a-bust-for-moroccos-economy.html"><rss:title>Migrant Remittances: A Boom or A Bust For Morocco’s Economy</rss:title><rss:link>http://www.drisstemsamani.com/interviews/2010/2/22/migrant-remittances-a-boom-or-a-bust-for-moroccos-economy.html</rss:link><dc:creator>Update</dc:creator><dc:date>2010-02-23T03:14:59Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[<p><strong>By Driss R. Temsamani</strong></p>
<p>According to resent data from the World Bank, IMF and the International Finance Institute, the global remittances flows to emerging markets have experienced a sharp decline due to the deteriorating US economy and the historical unemployment numbers. Around 19 million migrant population from North Africa and the Middle East has been adversely affected by this crisis mostly felt in countries like Egypt and Morocco, the largest recipients with more than 60% of total transfers.</p>
<p><span class="full-image-block ssNonEditable"><span><img src="http://www.drisstemsamani.com/storage/remittances_morocco3.gif?__SQUARESPACE_CACHEVERSION=1266896960402" alt="" /></span></span></p>
<p>Overall the Moroccan economy weathered the global crisis with limited impact. The banking sector in Morocco has not been affected by the global financial crisis because of its limited exposure to capital markets and securities. Despite lower forecasts, The GDP grew 4.8% in 2009 as a result of a record harvest in agriculture and is expected to decelerate to 3% in 2010.</p>
<p>To address the impact on the various private sectors affected, the Moroccan government plans to substantially increase capital spending and reduce taxes to stimulate the economy. Remittances coming from Moroccans living abroad constitute an important flow of foreign currency to the development of the country, comprising an average of 9% of the country&rsquo;s GDP.</p>
<p>Newly available data for 2009 shows that remittances flow to Morocco reached US$ 8 billion with US$ 550 million originating from the USA where more than 200,000 Moroccans reside. These figures represent an aggregated estimate of total currency flowing through official channels such as bank accounts and other unreported gifts and money carried back or sent with others.</p>
<p>And while these flows show a significant increase from the levels of the 1990, using information from the Federal Reserves and other Financial Institutions, I am estimating that remittances to Morocco will suffer a negative 12% compounded decline between 2009 and 2010.</p>
<p><span class="full-image-block ssNonEditable"><span><img style="width: 450px;" src="http://www.drisstemsamani.com/storage/remittances_morocco4.jpg?__SQUARESPACE_CACHEVERSION=1266897000085" alt="" /></span></span></p>
<p>Every day, thousands of Moroccans living abroad line up in money transfer offices to wire money to their families back home. Some of the money finds its way deep into the rural areas of the country while other funds construction projects and private investments.</p>
<p>To the extent that these remittances finance education and health and increase investment, they continue to have a major positive effect on economic growth. More over the remittances alleviate credit constraints and act as a substitute for financial development increasing per capita income levels and reducing poverty.</p>
<p>In the recent years, the Moroccan Government lunched several initiatives offering incentives to attract transfers into the local economy.</p>
<p>During a conference that I attended back in March 2009, Mr. Mohamed Ameur, Minister in Charge of Moroccans Living Abroad, unveiled special programs offering preferential loans and grants for business ventures using investments from Moroccans residing overseas and providing access to capital for recent returnees. This is one of they key strategies that his Majesty King Mohammed VI is pushing forward to capitalize on the large pool of citizens living abroad.</p>
<p>While the benefits of remittances from the USA or other countries to Morocco are clear, we can not say the same about the short term future of the economy. What is certain is that when we go back to normal financial system conditions, Morocco will be back to the remittances boom.</p>]]></content:encoded></rss:item><rss:item rdf:about="http://www.drisstemsamani.com/interviews/2010/2/19/remittances-from-usa-to-morocco-decline-in-2009.html"><rss:title>Remittances from USA to Morocco Decline in 2009</rss:title><rss:link>http://www.drisstemsamani.com/interviews/2010/2/19/remittances-from-usa-to-morocco-decline-in-2009.html</rss:link><dc:creator>Update</dc:creator><dc:date>2010-02-19T07:00:32Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[According to resent data from the Worldbank, IMF and the International Finance Institute, global remittances flow to emerging markets have experiences sharp declines due to the deteriorating US economy and the historical unemployment numbers.]]></content:encoded></rss:item><rss:item rdf:about="http://www.drisstemsamani.com/interviews/2010/2/16/government-agencies-responsible-of-moroccans-overseas-commun.html"><rss:title>Government Agencies responsible of Moroccans Overseas Community Satisfaction Index</rss:title><rss:link>http://www.drisstemsamani.com/interviews/2010/2/16/government-agencies-responsible-of-moroccans-overseas-commun.html</rss:link><dc:creator>Update</dc:creator><dc:date>2010-02-17T04:52:11Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[<!--StartFragment-->
<p><span style="font-family: Verdana, Helvetica, Arial;">PRESS RELEASE<br /> <strong>GOVERNMENT AGENCIES OF MOROCCANS OVERSEAS COMMUNITY SATISFACTION INDEX<br /> </strong><br /> <br /> Miami - Florida , February 17th, 2010<br /> <br /><strong> Improving the level of services provided by government agencies responsible of Moroccans living abroad is a major part of the community's agenda. </strong><br /> <br /> An understanding of the community&rsquo;s needs, levels of satisfaction, what drives satisfaction, and how to enhance satisfaction are therefore essential to meet this objective. <br /> <br /> On March 2010, the 361 Degrees Institute will lunch the first Community Satisfaction Surveys with the aim to establish a yearly Index that will enhance understanding of the community towards these government agencies. The research will establish several modules of questions related to services provided by The Minister in Charge of Moroccans Living Abroad, The Council for the Moroccan Community Abroad (CCME), The Moroccan Embassy and The Moroccan Consulate. The first survey will focus primarily on a quantitative sample of Moroccan residents in the USA with a sub focus on other countries around the world.</span></p>
<p><strong>About the 361 Degrees Institute<br /><em>A member of The Center for Association Leadership&rsquo;s industry and market research</em></strong></p>
<p>The 361 Degrees Institute is the first Moroccan American&nbsp;think-tank&nbsp;for Demographic Research &amp; Development based in the United States.&nbsp;The mission of the institute is to provides high quality, independent research on a wide variety of population and social economical topics affecting United States and Morocco.&nbsp;The Institute provides information and guidance on interpretation of complex demographic issues to institutions, businesses, non-profit organizations, and public agencies.&nbsp;For more information visit <a class="offsite-link-inline" href="http://the361degreesinstitute.squarespace.com/" target="_blank">361 Degrees Site</a></p>]]></content:encoded></rss:item><rss:item rdf:about="http://www.drisstemsamani.com/interviews/2010/2/10/arab-americans-capture-the-attention-of-us-advertisers.html"><rss:title>Arab Americans capture the attention of US advertisers</rss:title><rss:link>http://www.drisstemsamani.com/interviews/2010/2/10/arab-americans-capture-the-attention-of-us-advertisers.html</rss:link><dc:creator>Update</dc:creator><dc:date>2010-02-10T19:05:51Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[<!--StartFragment-->
<p>&nbsp;</p>
<p><span class="full-image-block ssNonEditable"><span><img style="width: 319px;" src="http://www.drisstemsamani.com/storage/arabamericans.pdf?__SQUARESPACE_CACHEVERSION=1266094373174" alt="" /></span></span><strong>By Driss R. Temsamani</strong></p>
<p><span style="font-family: Verdana, Helvetica, Arial;"><span style="font-family: Verdana, Helvetica, Arial;"><span>As the fastest growing minority group in the United States, the Arab American market is capturing the attention of advertisers.<br /> <br /> After the events of September 11, the increasing political, cultural and economic influence of this population has captured the attention of businesses, lobbyists and policymakers. Money spent on advertising directed at Arabs in the USA increased by 27% in 2009. Yet, American businesses are far from fully harnessing the potential of this segment of the population.<br /> <br /> Using the past Census data as a proxy and a statistical model, I estimate that there are 8.3 million Arab Americans currently in the United States, making them the fastest growing population since 1990 after Hispanics. &nbsp;I also project that by the year 2030, Arab Americans will exceed 20 million and will account for over $300 billion in consumer spending.<br /> <br /> As a result of this trend, the Arab market will become even more important in the advertising mix over the next 10 years. There will be increasing specialized publications, Radio and TV Networks offering exclusive content to the first and second generation of Moroccans, Syrians, Lebanese, Palestinians, and other Arab Americans. To effectively capture this new population&rsquo;s share of mind, businesses should consider culture as the center of their advertising strategy. <br /> <br /> While Arab Americans share language and in most cases religion, companies should develop culturally relevant campaigns to increase their Arab customer base. Programs during special Arab holidays can create a positive brand effect within this community. In addition to Arabic based programming and cultural events sponsorships, businesses should start educating and training their personnel on how to communicate and understand the lifestyle of this community in order to achieve awareness.<br /> </span></span></span></p>
<p><span style="font-family: Verdana, Helvetica, Arial;"><span style="font-family: Verdana, Helvetica, Arial;"><span>In summary the Arab advertising US market is growing and will get larger with the youngest population of the community. This segment will be the driving force of influence on American culture in the years to come. If this new generation will assimilate or retain their culture, that remains to be seen.<br /> <br /> <br /> <br /> Driss R. Temsamani<br /> <a href="info@drisstemsamani.com">info@drisstemsamani.com</a></span></span>&nbsp;</span></p>]]></content:encoded></rss:item><rss:item rdf:about="http://www.drisstemsamani.com/interviews/2009/8/12/un-obama-dorigine-marocaine-dans-lillinois.html"><rss:title>Un Obama d’origine marocaine dans l’Illinois?</rss:title><rss:link>http://www.drisstemsamani.com/interviews/2009/8/12/un-obama-dorigine-marocaine-dans-lillinois.html</rss:link><dc:creator>Update</dc:creator><dc:date>2009-08-13T00:46:31Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[<p>Des Marocains voient en John Frichy, n&eacute; d&rsquo;un p&egrave;re am&eacute;ricain et d&rsquo;une m&egrave;re marocaine, quasiment l&rsquo;illustration du parcours de l'actuel locataire de la Maison Blanche.<br /><br />&laquo;John s&rsquo;est inscrit &agrave; l&rsquo;&Eacute;cole Latine avec une bourse accord&eacute;e aux enfants d&eacute;favoris&eacute;s. Il ne d&eacute;ceva pas le r&ecirc;ve et l&rsquo;ambition de sa m&egrave;re et son parcours scolaire fut brillant ; en t&eacute;moigne son dipl&ocirc;me en &eacute;conomie de l&rsquo;Universit&eacute; de Michigan et plus tard un doctoraten droit de la facult&eacute; de droit de l&rsquo;Universit&eacute; de Northwestern &agrave; Chicago&raquo;, &eacute;crit Driss R. Temsamani dans le dernier num&eacute;ro de &laquo;Maghreb Canada Express&raquo; re&ccedil;u &agrave; l&rsquo;Agence de presse &laquo;M&eacute;dia Mosa&iuml;que&raquo;.<br /><br />Apr&egrave;s l&rsquo;universit&eacute;, l&rsquo;auteur de l&rsquo;article rapporte, dans son portrait, que &laquo;John est devenu procureur adjoint au Minist&egrave;re de la Justice de l&rsquo;&eacute;tat d&rsquo;Illinois. Son d&eacute;vouement pour l'int&eacute;r&ecirc;t public l&rsquo;a pouss&eacute; encore plus loin. Il s&rsquo;est pr&eacute;sent&eacute; &agrave; la Chambre des Repr&eacute;sentants de l&rsquo;&Eacute;tat d&rsquo;Illinois et il a &eacute;t&eacute; &eacute;lu pour la premi&egrave;re fois &agrave; l&rsquo;&acirc;ge de 32 ans!&raquo;<br />John Fritchey, &eacute;galement fils d&rsquo;une immigrante africaine, a d&eacute;cid&eacute; que c&rsquo;&eacute;tait le moment d&rsquo;aller plus loin en politique en annon&ccedil;ant sa candidature pour remplacer l&rsquo;ancien repr&eacute;sentant d&eacute;mocrate au Congr&egrave;s am&eacute;ricain, Rahm Emanuel, dans le 5&egrave;me district du Congr&egrave;s.<br /><br />Fier de ses origines africaines <br /><br />&laquo;En tant qu&rsquo;am&eacute;ricain d&rsquo;origine marocaine, je suis tr&egrave;s fier de mes origines et je m&rsquo;enthousiasme pour l&rsquo;opportunit&eacute; de repr&eacute;senter notre communaut&eacute; ainsi que toutes les autres communaut&eacute;s,dignement au Congr&egrave;s des &Eacute;tats-Unis&raquo;, aurait d&eacute;clar&eacute; Fritchey dans un courriel responsif &agrave; celui qui a r&eacute;dig&eacute; l&rsquo;article.<br /><br />Parmi les sujets phares de sa campagne, son site web de campagne, www.fritchey.com, fournit tout, dit le journal, &laquo; sur sa vision, ses positions concernant les soins de sant&eacute;, l&rsquo;immigration, les affaires &eacute;trang&egrave;res, et l&rsquo;&eacute;conomie. Et en plus,()il soutient la vision marocaine pour en finir avec les conflits r&eacute;gionaux !&raquo; John<br /><br />Fritchey est le fils d&rsquo;un v&eacute;t&eacute;ran de guerre. Apr&egrave;s plusieurs ann&eacute;es de d&eacute;placements militaires avec sa famille, John et ses parents sont retourn&eacute;s au sud de l&rsquo;Illinois, la r&eacute;gion natale de son p&egrave;re. L&agrave;, et &agrave; l&rsquo;&acirc;ge de deux ans, ses parents ont divorc&eacute; et il d&eacute;m&eacute;nagea avec sa m&egrave;re &agrave; Chicago.</p>]]></content:encoded></rss:item></rdf:RDF>