SMEs in Algeria and the constraints of access to bank financing : empirical survey

Abstract EN

Several internal factors for SMEs have been identified through empirical work as determinants of access to bank financing that significantly increase the probability of their financial exclusion by banks.

in this work, we try to better understand the financing obstacles of small and medium enterprises in Algeria and shed light on the reasons for their financial exclusion by banks on the basis of the internal factors of these institutions.

the obstacles to financing SMEs are generally the results of their internal specificity (size, age, sector of activity, informational opacity.

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) as well as their behavioral nature.