Constraints and modalities of bank financing for Algerian SMEs: case of banks of the wilaya of Bejaia.
This article aims to assess the conditions and methods of bank financing for SMEs in the wilaya of Bejaia, which can result in real brakes and obstacles for these companies, which are supposed to be an important lever for economic growth. For this, we have carried out a field survey in the form of a...
| Main Authors: | , |
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| Format: | Article |
| Language: | Arabic |
| Published: |
University of Tamanrasset
2023-01-01
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| Series: | مجلة الاجتهاد للدراسات القانونية والاقتصادية |
| Subjects: | |
| Online Access: | https://alijtihed.univ-tam.dz/wp-content/uploads/2023/02/alijtihed-mag-034-art-040-.pdf |
| _version_ | 1797850383431761920 |
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| author | Saidani Salim Mouffok Nacer-Eddine |
| author_facet | Saidani Salim Mouffok Nacer-Eddine |
| author_sort | Saidani Salim |
| collection | DOAJ |
| description | This article aims to assess the conditions and methods of bank financing for SMEs in the wilaya of Bejaia, which can result in real brakes and obstacles for these companies, which are supposed to be an important lever for economic growth. For this, we have carried out a field survey in the form of a questionnaire addressed to the sixteen banking brands present in the wilaya of Bejaia. Testimonials from bankers and the summary obtained using the Sphinx IQ2 software, combined with the econometric support of the SPSS software, confirmed the fact that these companies do not often find favorable echoes from these credit institutions. Who are constantly in the process of protecting themselves against the vagaries of credit through a selectivity sometimes considered excessive towards these SMEs. |
| first_indexed | 2024-04-09T19:00:27Z |
| format | Article |
| id | doaj.art-a19ff582143e4c9d8eb7e6a87aeecd2f |
| institution | Directory Open Access Journal |
| issn | 2335-1039 2437-0754 |
| language | Arabic |
| last_indexed | 2024-04-09T19:00:27Z |
| publishDate | 2023-01-01 |
| publisher | University of Tamanrasset |
| record_format | Article |
| series | مجلة الاجتهاد للدراسات القانونية والاقتصادية |
| spelling | doaj.art-a19ff582143e4c9d8eb7e6a87aeecd2f2023-04-08T10:50:53ZaraUniversity of Tamanrassetمجلة الاجتهاد للدراسات القانونية والاقتصادية2335-10392437-07542023-01-011201648674Constraints and modalities of bank financing for Algerian SMEs: case of banks of the wilaya of Bejaia.Saidani Salim0Mouffok Nacer-Eddine1Université de BejaiaUniversité de BejaiaThis article aims to assess the conditions and methods of bank financing for SMEs in the wilaya of Bejaia, which can result in real brakes and obstacles for these companies, which are supposed to be an important lever for economic growth. For this, we have carried out a field survey in the form of a questionnaire addressed to the sixteen banking brands present in the wilaya of Bejaia. Testimonials from bankers and the summary obtained using the Sphinx IQ2 software, combined with the econometric support of the SPSS software, confirmed the fact that these companies do not often find favorable echoes from these credit institutions. Who are constantly in the process of protecting themselves against the vagaries of credit through a selectivity sometimes considered excessive towards these SMEs.https://alijtihed.univ-tam.dz/wp-content/uploads/2023/02/alijtihed-mag-034-art-040-.pdfbanksbejaiacreditfinancingsmes |
| spellingShingle | Saidani Salim Mouffok Nacer-Eddine Constraints and modalities of bank financing for Algerian SMEs: case of banks of the wilaya of Bejaia. مجلة الاجتهاد للدراسات القانونية والاقتصادية banks bejaia credit financing smes |
| title | Constraints and modalities of bank financing for Algerian SMEs: case of banks of the wilaya of Bejaia. |
| title_full | Constraints and modalities of bank financing for Algerian SMEs: case of banks of the wilaya of Bejaia. |
| title_fullStr | Constraints and modalities of bank financing for Algerian SMEs: case of banks of the wilaya of Bejaia. |
| title_full_unstemmed | Constraints and modalities of bank financing for Algerian SMEs: case of banks of the wilaya of Bejaia. |
| title_short | Constraints and modalities of bank financing for Algerian SMEs: case of banks of the wilaya of Bejaia. |
| title_sort | constraints and modalities of bank financing for algerian smes case of banks of the wilaya of bejaia |
| topic | banks bejaia credit financing smes |
| url | https://alijtihed.univ-tam.dz/wp-content/uploads/2023/02/alijtihed-mag-034-art-040-.pdf |
| work_keys_str_mv | AT saidanisalim constraintsandmodalitiesofbankfinancingforalgeriansmescaseofbanksofthewilayaofbejaia AT mouffoknacereddine constraintsandmodalitiesofbankfinancingforalgeriansmescaseofbanksofthewilayaofbejaia |