Constraints and modalities of bank financing for Algerian SMEs: case of banks of the wilaya of Bejaia.

This article aims to assess the conditions and methods of bank financing for SMEs in the wilaya of Bejaia, which can result in real brakes and obstacles for these companies, which are supposed to be an important lever for economic growth. For this, we have carried out a field survey in the form of a questionnaire addressed to the sixteen banking brands present in the wilaya of Bejaia. Testimonials from bankers and the summary obtained using the Sphinx IQ2 software, combined with the econometric support of the SPSS software, confirmed the fact that these companies do not often find favorable echoes from these credit institutions. Who are constantly in the process of protecting themselves against the vagaries of credit through a selectivity sometimes considered excessive towards these SMEs.