🇲🇦 Morocco PYMA — SAP ECP Complete Guide

Key Facts

CNSS EE
4.48% (pension+family allowances)
AMO Health EE
2.26% (assurance maladie obligatoire)
CNSS ER
8.98% pension
AMO ER
4.11% + 1.6% professional training
IGR Income Tax
Progressive 0–38%
CIMR
Retraite complémentaire (occupational pension)

Key Config Points

  • CNSS family allowances: CNSS pays directly to families; employer monthly declaration triggers
  • AMO: health insurance mandatory since 2002; CNSS administers for private sector
  • IGR withholding: employer deducts monthly; annual reconciliation via DAS return
  • DAS (Déclaration Annuelle des Salaires): by January 31 to CNSS
  • Professional training levy: 1.6% ER to OFPPT (training authority)
📊 PYMA_MA_SAP_ECP_Complete_Guide.pptx — 50 slides