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Financing Small and Medium-Sized Entreprises in Morocco : The Case of SMEs in the Béni Mellal-Khénifra Region
[Financement des Petites et Moyennes Entreprises au Maroc : Cas des PME de la Région Béni Mellal-Khénifra]

Author

Listed:
  • Afif Zineb

    (LEG - Laboratoire d'économie et de gestion (LEG), Faculté pluridisciplinaire de Khouribga (FPK), Université Sultan Moulay Slimane (USMS), Maroc)

  • Mohamed Azeroual

    (LEG - Laboratoire d'économie et de gestion (LEG), Faculté pluridisciplinaire de Khouribga (FPK), Université Sultan Moulay Slimane (USMS), Maroc)

Abstract

Small and medium-sized enterprises (SMEs) are a key driver of economic development through their contribution to job creation, innovation, and competitiveness. However, they face significant constraints related to access to finance. This study examines thefinancing methods used by SMEs in the Béni Mellal-Khénifra region through an exploratory quantitative approach. Data were collected via a questionnaire administered to 31 manufacturing firms. The findings reveal a strong reliance on self-financing and persistent difficulties in accessing bank credit, due to complex procedures, restrictive financial conditions, and stringent collateral requirements. Public financing schemes also appear to be underutilized, mainly because of limited information and unsuitable eligibility criteria. These results highlight the need to adapt financial instruments to the specific characteristics of SMEs in order to enhance their inclusion and strengthen their contribution to regional economic development.

Suggested Citation

  • Afif Zineb & Mohamed Azeroual, 2026. "Financing Small and Medium-Sized Entreprises in Morocco : The Case of SMEs in the Béni Mellal-Khénifra Region [Financement des Petites et Moyennes Entreprises au Maroc : Cas des PME de la Région Béni Mellal-Khénifra]," Post-Print hal-05504312, HAL.
    • Handle: RePEc:hal:journl:hal-05504312
    DOI: 10.5281/zenodo.17107792
    Note: View the original document on HAL open archive server: https://hal.science/hal-05504312v1
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