Depart. : Sciences and Techniques of management, Lab. : Finance, audit and Entrepreneurship, Ecole Nationale de Commerce et de Gestion, Ibn Zohr University, Agadir, Morocco
The three financial techniques known under « Ijara », Murabaha » and « Musharaka » were introduced to Morocco in 2007 in the context of an international convergence towards Islamic finance. However, the integration of such techniques in traditionally-oriented Moroccan banks is facing various challenges. Marketing these products has proved to be limited. The present article targets the description of the so far adopted financial techniques and the analysis of the challenges they face, especially in terms of marketing. It also targets the provision of suggestions about their development through the synthesis of available studies as well as through a series of opinions given by bank managers, advisers and specialists in the realm of Islamic finance.