تمويل المقاولات الصغرى و المتوسطة بالمغرب : الواقع و الآفق

الملخص EN

Topics and studies dealing with research and analysis have identified the real causes that stand in the way of the qualification of small and medium-sized enterprises in order to play an effective role in achieving their economic and social development.

The issue of funding for this type of institution has been an important part of these studies and research, as it is a major impediment to its development and growth.

Despite efforts to facilitate their access to traditional bank finance (as the main funding source for these businesses), by providing a range of legal programs, mechanisms and tools in this context, they continue to suffer from a number of funding bottlenecks.

Therefore, participatory financing (Islamic) emerges as a contemporary financing alternative, tailored to its needs as well as its current and future specificities and ambitions.

The aim of this paper is to look at the reality of traditional bank finance for small and medium-sized enterprises in Morocco, and the reasons why it has limited and inappropriate funding, in addition to looking at the horizons opened by the participatory finance (Islamic) to overcome the forms of financing and development, which made us stand The major axes that formed the backbone of this research include the following: •To simplify the reality of the traditional financing of small and medium-sized enterprises in Morocco .

•Identify the reasons for the limited bank finance for this category of contracting.

•Looking ahead to overcome the problem of financing small and medium enterprises in Morocco, with the adoption of a law on participatory banks in the country, which will make a real contribution-hopefully-in achieving lofty goals in this field in terms of effectiveness, development, flexibility and continuity, To offset past mistakes in which traditional financing is still mired in all its forms and colours.