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The different policies adopted at the national and international level aimed at investing in the youth to accelerate their development on all socio-economic, political and cultural sectors. This orientation is based on the considerable growth of this population of youth from 15 to 29 years old representing about one third of the total population of the MENA region (Middle East and North Africa) (Approximately more than 100 million). However, lack of direction and support needed to fully contribute to the development of their communities, this potential can turn into frustration, as demonstrated by the "Arab Spring". In this sense and to promote the opportunities with these young people, Morocco has launched several employment programs like “Moukawalati” directing them to the world of entrepreneurship. From the perspective of successful operational deployment of these programs, this paper presents a practical approach of selection of the promising projects through the implementation of a highly predictive scoring approach adapted to the specificities of this segment of young micro-entrepreneurs.

Access to microcredit can have a beneficial effect on the well-being of low-income households excluded from the traditional banking system. It allows this population to receive affordable financial services to help them to meet their needs and to improve their living conditions. However to provide access to credit, microfinance institutions should ensure not only their social mission but also commercial and financial mission to enable the institution to perpetuate and become self-sufficient. To this end, MFIs (microfinance institutions) must apply an interest rate that covers their costs and risk, while generating profits, Also microentrepreneurs need, to this end, to ensure the profitability of their activities. This paper presents the microfinance sector in Morocco. It focuses then on the interest rate applied by the Moroccan microfinance institutions; it provides also a comparative study between Morocco and other comparable countries in terms of interest rates charged to borrowers. Finally, this article presents a stochastic model of the interest rate in microcredit built in random loan repayment periods and on a real example of the program of loans of microfinance institution in Morocco.