Bank Financing Of Algerian Smes: Approach By Survey Of Banks In The Wilaya Of Bejaia
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Date
2021-12-01
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جامعة الوادي - University of Eloued
Abstract
This paper aims to assess the possible link between SMEs and banks in the wilaya of
Bejaia, by highlighting the needs, conditions and methods of financing this category of
businesses. For this, we used two approaches. First, a field survey of the sixteen banks in the
wilaya of Bejaia. Then, an econometric modeling based on the LOGIT model. The data is
processed by two software: Sphinx IQ and SPSS.
The results obtained confirm the fact that Algerian banking regulations, associated with
the long and complex procedural scheme of credit institutions towards SMEs, lead these
banks to be more wary of companies, by demanding more guarantees.
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Keywords
Bank ; credit ; financing ; guarantees ; SMEs
Citation
Saidani، Salim. Mouffok ، Nacer-eddine . Bank Financing Of Algerian Smes: Approach By Survey Of Banks In The Wilaya Of Bejaia. مجلة الاقتصاد والتنمية المستدامة. مج 04. العدد 03. 2021/12/01. جامعة الوادي[اكتب تاريخ الاطلاع] متاح على الرابط [انسخ رابط التحميل ]