Déterminants du refus de financement des petites et moyennes entreprises par la banque de gestion et de financement
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Date
2022-12
Journal Title
Journal ISSN
Volume Title
Publisher
UB: FSE
Abstract
The objective of our study is to identify the factors that explain the non-access of Small and Medium Enterprises to financing by the BGF.
To provide some answers to our problem, we conducted a survey with the BGF, on a sample of 135 SMEs out of 210 that applied for credits during the 2017-2019 period.
After performing a logit regression, the results obtained show that the major problems encountered by SMEs in accessing this financing are the non-existence of reliable guarantees and the non-moving account.
We have suggested the creation of a guarantee fund by the State to support the need for financing of SMEs with banks, the reduction of guarantees required by banks to take into account the specificities of SMEs.
Description
Mémoire présenté et défendu publiquement en vue d’obtenir le Diplôme de Mastère en Sciences de Gestion Option : Finance