Enhancing Sme Financing Through Addressing Asymmetric Information Challenges In Algeria

Résumé: Small and Medium-sized Enterprises (SMEs) are pivotal contributors to economic growth and innovation globally, yet they often encounter difficulties in accessing financing due to asymmetric information issues. This paper investigates the mechanisms bankers and financial organizational bodies employ to assess credit risk for SMEs, aiming to alleviate information-related challenges and enhance financing opportunities. Drawing on theoretical frameworks of asymmetric information and credit risk management, the study conducts an analysis to uncover effective strategies utilized by Algerian bankers. Through a comprehensive examination, the research illuminates practical approaches that can improve risk evaluation processes and foster a supportive environment for SME lending in Algeria. The findings offer valuable insights for policy makers, financial institutions, and SMEs seeking to navigate the complexities of financing in emerging markets.

Publié dans la revue: مجلة التنمية والاستشراف للبحوث والدراسات