Child marriages constituted 12 per cent of total marriage contracts between 2004 and 2019 in Morocco
Child marriages constituted 12 per cent of total marriage contracts between 2004 and 2019 in Morocco
Child marriages constituted 12 per cent of total marriage contracts between 2004 and 2019 in Morocco
Child marriages constituted 12 per cent of total marriage contracts between 2004 and 2019 in Morocco

Moroccan activists fighting child marriage to offer girls a brighter future


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Hayat was 15 when her father, through legal loopholes in Morocco's Family Code (Moudawana), bypassed the minimum marriage age of 18 and obtained court approval to marry her to a man 10 years her senior.

The mother of one filed for divorce two years later. Her husband was physically abusing, she said.

Hayat, now 25, is one of many women in Morocco whose underage marriage was enabled by articles 20 and 21 of the Family Code, which give state-appointed family affairs judges the power to authorise child marriages in certain circumstances.

“I dropped out of school at a young age and that is when my father decided I would marry a relative,” Hayat, who asked to be referred to by her first name only, told The National.

"I was a child then and didn't even know what marriage meant."

I went from being 15 to being 26 years old. This was not the future I wanted
Hayat,
Moroccan child bride

Hayat was hoping for a good married life but found herself trapped, with a husband who mistreated her, she said.

“He treated me as if I was an adult capable of carrying tremendous responsibilities. I went from being 15 to being 26 years old. This was not the future I wanted. I was shocked with this new reality that just happened overnight."

Fourteen per cent of 20 to 24-year-old women in Morocco were first married or in a union before the age of 18, Unicef says.

Child marriages constituted 12 per cent of total marriage contracts between 2004 and 2019, dropping to just over 7 per cent in 2019, said recent data published by the Moroccan Public Prosecution.

In 2004, amendments to the Family Code increased the minimum legal age required for girls' marriage from 15 to 18, but according to data published by Civil Connections, a non-profit organisation that opposed the practice, 81 per cent of about 32,000 requests for child marriages filed in 2019 were approved by family courts.

Article 20 of the Family Code stipulates a family affairs judge may approve the marriage of a girl or boy below the legal age but must give well-substantiated justification. Meanwhile, Article 21 says a parent or guardian must give approval for a minor’s marriage and both the minor and the parent must sign a marriage authorisation request. The judge can either accept or reject it.

Amending these articles have become the key mission of civil societies and advocacy organisations, which have in recent years accelerated their efforts to combat the issue.

Aicha, 30, was married at 16 and divorced two years later due to her husband’s gambling addiction, she told The National.

When her family decided to marry her off, she was interviewed by the family affairs judge in the presence of her father.

“He asked if I was able to take on such a responsibility. I had no choice but to say 'yes', naturally. The whole family was waiting for the happy news to celebrate us as newly-weds,” she told The National.

“A year after our marriage, I discovered he was addicted to gambling. I told my mother but we kept it a secret between us.”

Statistics focusing on child marriage in Morocco
Statistics focusing on child marriage in Morocco

Detrimental factors

Socioeconomic and cultural issues such as poverty and widespread illiteracy were identified by Morocco’s Supreme Council of the Judicial Power as key factors leading to the prevalence of child marriage.

A number of initiatives are raising awareness among rural communities on the grave impact of child marriage on girls’ development, education and career prospects.

Project Soar, a Moroccan non-profit group founded in 2015, targets disadvantaged rural areas with the aim of ending the deep-rooted practice.

Building a Greater Girls’ Movement (Bigger) initiative, launched in 2022 by Project Soar in partnership with 18 other organisations, also aims to close legal loopholes by 2025.

Tens of teenage graduates from Soar’s empowerment programmes are now leading Bigger's efforts to equip girls with legal and advocacy knowledge to engage with policymakers, including parliamentarians and ministers, to discuss modifications to the Family Code.

Project Soar team up with Morocco’s Ministry of Solidarity and Social Integration in October to combat child marriage.

Legal experts say efforts to amend Morocco's Family Code must work in tandem with economic and educational development in rural areas
Legal experts say efforts to amend Morocco's Family Code must work in tandem with economic and educational development in rural areas

Turning girls into advocates

Kaoutar Arhenbo, one of Bigger’s facilitators, told The National girls taking part need to complete an eight-month “multifaceted empowerment programme" which includes focused workshops to reinforce confidence and develop leadership skills.

Since it’s launch, 20 of Bigger’s alumni have trained and mobilised many teenage girls to help them challenge child marriage in their communities.

They have also held talks with parents, youths, local officials and stakeholders to raise awareness of the negative impact of child marriage, Miss Arhenbo said.

The Mobilising for Rights Associates (MRA), a Rabat-based organisation of legal experts and one of Bigger’s main partners, "drafted a proposal to amend the articles associated with child marriage, and arm the girls with a wide number of documents before going to Rabat to meet the officials”, MRA president Saeeda Kozi told The National, referring to Bigger girls recently attending parliamentary debates to propose amendments to articles of the Family Code.

Impact and limitations

Nour el Houda, 15, came across the programme from a family friend whose daughters were also participants.

“I didn’t know what to expect but as I attended more sessions I began to understand more about child marriage and self-confidence,” she told The National.

She was a member of the delegation that attended November’s parliamentary deliberations and the programme was life-changing, she said.

“The empowerment workshop altered the way I think of marriage for girls my age.

“I use every opportunity to pass on what I have learnt on the rights guaranteed by law to girls our age."

But according to another Soar facilitator, Ferdaous Atbib, some parents resist enrolling their daughters. “We do house-to-house visits to explain to the parents the positive impact of the programme on their daughters’ futures,” she said.

However, legal experts say efforts to amend the Family Code must work in parallel with real economic and educational development in rural areas.

“Young girls in rural areas must be empowered economically and through providing access to education, in order to combat deep-rooted social norms regarding child marriage,” Abdel-Ilah El Khedri, president of the Moroccan Centre for Human Rights, told The National.

“Today more than ever, it is necessary for those in charge to take collaborative measures that can consolidate the chances of minor girls to succeed in their lives, by providing ways to protect them, and develop their skills until they are adults."

This article is published in collaboration with Egab

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Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

Updated: December 22, 2023, 6:41 AM