les cahiers du mecas
Volume 22, Numéro 1, Pages 537-551
2026-06-02
Empirical Research On Sme Financing And Multi-banking In Oran: Examination Of A Sample Of Companies For 2024
Authors : Tahraoui Mohammed . Rebib Nadia .
Abstract
The strategic significance of small and medium-sized entreprises (SMEs) has been reinforced by Algeria's shift to a market economy while Their growth is still reliant on funding availability. In this situation, multibanking appears as a tactic that promotes competition among banking institutions, lowers financial risks, and allows for the diversity of funding sources. This paper aims to comprehend: How much does multibanking help local SMEs get better financing? A mixed technique was used with a sample of 25 SMEs in the Oran region to address this. According to the findings, multibanking is a comparatively common practice among small and medium-sized businesses in the area. The degree varies depending on the size, industry, and organizational structure of the businesses.
Keywords
SMEs ; Access to financing ; Multibanking ; Public policy
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