Revue des Economies financières bancaires et de management
Volume 14, Numéro 2, Pages 10-29
2025-12-18
Access To Bank Credit, A Bottleneck For Algerian Private Smes.
Authors : Lalali Rachid .
Abstract
To understand the reasons for the systemic financing gap of SMEs, it is necessary to explore the field. The purpose of this study is to analyse the factors that hinder the banking integration of Algerian private SMEs. To do this, we chose to analyze the intersection of the perspectives of funding providers and applicants. This approach is based on a thorough exploration of the ground, involving both the investigation of bankers and entrepreneurs. The exchange of criticisms between these two actors reveals the existence of a multitude of factors in favour of the banking exclusion of private SMEs. This exclusion is further accentuated by the banking and SME environment.
Keywords
SMEs ; bank ; access to credit ; banking exclusion ; Algeria
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