Guemoula ,BachirBenchikh ,Tawfik2025-01-302025-01-302024-12-24Guemoula ,Bachir. Benchikh ,Tawfik . Assessing Smes Effectiveness In Diversifying Sources Of Income. Journal of Finance and Accounting Studies. Vol 14. N 01. 24 December 2024. faculty of economie commercial and management sciences. university of el oued .2437-1165https://dspace.univ-eloued.dz/handle/123456789/37074SMEs justified their recovery and strength as a permanent tool for the renewal of the economic fabric and local industrial development. Therefore, this study aims to highlight these enterprises as an important mechanism that diversifies sources of income and creates job opportunities in Algeria. The results of the study concluded that there are some financing, marketing, and administrative challenges in addition to the weakness of the regulatory framework and the business climate, which led to blocking the path of its progress and development of its performanceenSmall and medium enterpriseseconomic diversificationjob creationchallenges of small and medium enterprises.Article