Analysis of the financial behavior characteristics of the Entrepreneurship of Moroccan SMEs.

OUBDI LAHSEN

Abstract


Aware of the undeniable role of SMEs in economic development, the Moroccan government became the protagonist in the 1990s of numerous initiatives aimed at introducing financing procedures for this category of companies. Overall, the results of these measures remain mixed.

The aim of this Communication is to identify existing financing practices in Moroccan SMEs and to propose an explanatory diagram of their financing behavior. To do this we carried out an investigation after 50 SMEs concentrated on the Salé-Casablanca axis.

The lack of long resources is a recurring problem for Moroccan companies, which contributes to the obstacles to the development of entrepreneurship and to the creation of a company. This is one of the weaknesses of the Moroccan financing system, which has tolerated bank financing in the form of short-term borrowing as the sole and preferred mode of financing for SMEs.


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