The International Fund for Agricultural Development (IFAD) is considering launching two projects in Morocco focused on families receiving money from Moroccans living abroad, particularly in rural and semi-urban areas. These initiatives aim to transform remittances from simple cash transfers into a gateway for accessing broader financial services. The projects will encourage the use of bank accounts, savings options, loans, and insurance for recipient families. This approach seeks to maximize the developmental impact of remittances beyond immediate consumption. The goal is to integrate these funds into the formal financial system, boosting financial inclusion in underserved areas of Morocco. Ultimately, the projects seek to empower families through improved financial management and access to essential financial tools.