إشكالية تمويل المؤسسات الصغيرة و المتوسطة في الجزائر : (دراسة حالة لمجموعة من المؤسسات الصغيرة و المتوسطة)‎

الملخص EN

The main objective of this research paper is to study the problem of financing small and medium enterprises in Algeria, by attempting to determine the difficulty of SMEs in obtaining external financing sources, that is in light of the limited use of small and medium enterprises to bank loans.

In order to be able to answer the problem under study, we tried to explain the relationship that links some indicators of funding source management to their financial performance for a sample of 74 enterprises.

The study concluded that small and medium enterprises are forced to rely on internal sources of financing for several reasons that prevent them from being able to benefit from bank loans and that their reliance on self-financing is not sufficient to cover and meet their financial needs.