دور القروض البنكية في سد العجز التمويلي للمؤسسات الصغيرة والمتوسطة الصناعية: دراسة مجموعة من المؤسسات الصناعية لولاية سطيف

الملخص EN

This study aims to highlight the role of bank loans in bridging the financing deficit for industrial establishments, studying a group of industrial establishments for the state of Setif.

the budgets and results calculation table for the industrial establishments were obtained after going to the national center for the commercial registry.

in this study, we relied on the panel data method to test the relationship between the dependent variable represented in the percentage of borrowing and the independent variable, which is an indicator of ability to repay.

the results showed a statistically significant relationship between the percentage of financial loans and the ability to repay index.