Access of micro, small and medium-sized firms to bank credit: A logistic regression on a sample of Moroccan companies
The present study aims to analyze the determinants of the supply and demand of micro, small and medium-sized firms MSMEs credit by making reference to the theories of financial structure. From a sample of 356 Moroccan MSMEs surveyed in 2013 (WBSE, 2013), we used a binary logit model to discuss both...
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| Format: | Article |
| Language: | English |
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Centre of Sociological Research
2022-11-01
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| Series: | Economics, Management and Sustainability |
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| Online Access: | https://jems.sciview.net/index.php/jems/article/view/175 |
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| author | Mohamed Adaskou Rachid El Bettioui |
| author_facet | Mohamed Adaskou Rachid El Bettioui |
| author_sort | Mohamed Adaskou |
| collection | DOAJ |
| description |
The present study aims to analyze the determinants of the supply and demand of micro, small and medium-sized firms MSMEs credit by making reference to the theories of financial structure. From a sample of 356 Moroccan MSMEs surveyed in 2013 (WBSE, 2013), we used a binary logit model to discuss both demand and supply. According to our results, size, industry, gender of ownership, financial inclusion, level of education and experience of the Manager and the financing needs of the company, are the main factors that influence demand, while the warranty has no impact. On the supply side, with the exception of experience, the manager's characteristics have no effect, while the size, type of ownership and the duration of the loan have a major impact.
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| format | Article |
| id | doaj-art-5edbf4e335014d05b65529b9144f0c70 |
| institution | DOAJ |
| issn | 2520-6303 |
| language | English |
| publishDate | 2022-11-01 |
| publisher | Centre of Sociological Research |
| record_format | Article |
| series | Economics, Management and Sustainability |
| spelling | doaj-art-5edbf4e335014d05b65529b9144f0c702025-08-20T02:42:46ZengCentre of Sociological ResearchEconomics, Management and Sustainability2520-63032022-11-017210.14254/jems.2022.7-2.4Access of micro, small and medium-sized firms to bank credit: A logistic regression on a sample of Moroccan companiesMohamed Adaskou0Rachid El Bettioui1University Ibn ZohrUniversity Ibn Zohr The present study aims to analyze the determinants of the supply and demand of micro, small and medium-sized firms MSMEs credit by making reference to the theories of financial structure. From a sample of 356 Moroccan MSMEs surveyed in 2013 (WBSE, 2013), we used a binary logit model to discuss both demand and supply. According to our results, size, industry, gender of ownership, financial inclusion, level of education and experience of the Manager and the financing needs of the company, are the main factors that influence demand, while the warranty has no impact. On the supply side, with the exception of experience, the manager's characteristics have no effect, while the size, type of ownership and the duration of the loan have a major impact. https://jems.sciview.net/index.php/jems/article/view/175credit demandcredit supplylogistical regressionMSMEs |
| spellingShingle | Mohamed Adaskou Rachid El Bettioui Access of micro, small and medium-sized firms to bank credit: A logistic regression on a sample of Moroccan companies Economics, Management and Sustainability credit demand credit supply logistical regression MSMEs |
| title | Access of micro, small and medium-sized firms to bank credit: A logistic regression on a sample of Moroccan companies |
| title_full | Access of micro, small and medium-sized firms to bank credit: A logistic regression on a sample of Moroccan companies |
| title_fullStr | Access of micro, small and medium-sized firms to bank credit: A logistic regression on a sample of Moroccan companies |
| title_full_unstemmed | Access of micro, small and medium-sized firms to bank credit: A logistic regression on a sample of Moroccan companies |
| title_short | Access of micro, small and medium-sized firms to bank credit: A logistic regression on a sample of Moroccan companies |
| title_sort | access of micro small and medium sized firms to bank credit a logistic regression on a sample of moroccan companies |
| topic | credit demand credit supply logistical regression MSMEs |
| url | https://jems.sciview.net/index.php/jems/article/view/175 |
| work_keys_str_mv | AT mohamedadaskou accessofmicrosmallandmediumsizedfirmstobankcreditalogisticregressiononasampleofmoroccancompanies AT rachidelbettioui accessofmicrosmallandmediumsizedfirmstobankcreditalogisticregressiononasampleofmoroccancompanies |