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Journal articles on the topic 'Moroccan SMEs'

Author: Grafiati

Published: 2 June 2025

Last updated: 31 July 2025

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1

Yassin, ALLAMMARI, TAQI Ahmed, hassania RAHOU El, and JARIDE Chama. "Entrepreneurship of SMEs in Morocco: Current Situation and Analysis." International Journal of Business Management and Technology 7, no. 3 (2023): 205–13. https://doi.org/10.5281/zenodo.10208487.

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In Morocco, according to the latest report from the Moroccan Observatory of SMEs published in 2021, SMEs represent almost 97% of the Moroccan productive fabric, operating in diversified sectors. They contribute to about 38% of the national wealth creation and generate approximately 74% of the jobs. However, in the context of trade liberalization, competition has become increasingly intense in the domestic market, impacting competitiveness, overall performance, and jeopardizing the survival of Moroccan SMEs. In this regard, it is necessary for SMEs to adopt an entrepreneurial orientation that w

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Oudgou, M. Mohamed, and M. Mohamed Zeamari. "L’apport Des Marchés De Capitaux Au Financement Des PME Marocaines." European Scientific Journal, ESJ 14, no. 7 (2018): 250. http://dx.doi.org/10.19044/esj.2018.v14n7p250.

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Moroccan SMEs do not use generally capital market due to rigidity of the conditions. Moroccan authorities have introduced the measurements to deal with this problem and to encourage SMEs to access in the capital market since 2000. However, these measures were less efficient because they are multiple reason, but indeed, it still attributed to the financial and institutional conditions of access to capital market. The article target is to analyze capital market reforms and its contribution to financing Moroccan SMEs. In order to help us to determine the constraints of access the SMEs to direct f

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Al Haderi, Kaoutar. "La pratique de la transformation digitale dans les PME au Maroc." International Journal of Financial Studies, Economics and Management 1, no. 1 (2022): 1–11. http://dx.doi.org/10.61549/ijfsem.v1i1.28.

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The present paper focuses on the digital transformation of companies and in particular on the practices of digitalization carried out by SMEs in Morocco. The objective is to study, for these SMEs, the stakes, the perspectives, but also the degree of their commitment to the practice of digitalization strategies. This exploratory research, carried out among Moroccan SMEs from different sectors of activity, has shown that the biggest challenges facing Moroccan companies are the human factor, investments and the lack of reference points for such change.

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Mahboub, Abderrazzaq, Safia Charghaoui, Jean Ngandu, et al. "The Impact of Knowledge Management Practices on Job Satisfaction of Moroccan Employees: Mediating Role of Organizational Commitment." International Journal of Professional Business Review 8, no. 8 (2023): e02768. http://dx.doi.org/10.26668/businessreview/2023.v8i8.2768.

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Purpose: The study aims to investigate how knowledge management (KM) practices impact JS among Moroccan employees, while also exploring the mediating role of organizational commitment (OC) in this relationship. Theoretical framework: The study draws upon established theories in KM, job satisfaction (JS), and OC. It suggests that effective KM practices can enhance JS and that OC acts as a mediator in this relationship. Design/Methodology/Approach: This study employs a deductive approach and quantitative research design to explore the relationship between KM practices and JS in Moroccan SMEs. Da

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Mahboub, Abderrazzaq, Safia Charghaoui, Jean Ngandu, et al. "The Impact of Knowledge Management Practices on Job Satisfaction of Moroccan Employees: Mediating Role of Organizational Commitment." Journal of Law and Sustainable Development 11, no. 10 (2023): e1855. http://dx.doi.org/10.55908/sdgs.v11i10.1855.

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Purpose: The study aims to investigate how knowledge management (KM) practices impact JS among Moroccan employees, while also exploring the mediating role of organizational commitment (OC) in this relationship.  Theoretical framework: The study draws upon established theories in KM, job satisfaction (JS), and OC. It suggests that effective KM practices can enhance JS and that OC acts as a mediator in this relationship.  Design/Methodology/Approach: This study employs a deductive approach and quantitative research design to explore the relationship between KM practices a

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Khalifa, Ahsina, Taouab Omar, and Aït Lemqeddem Hamid. "Entrepreneurship Research in Morocco from 2005 to 2012: Bibliographic." Australian Journal of Business and Management Research 03, no. 11 (2013): 06–11. http://dx.doi.org/10.52283/nswrca.ajbmr.20130311a02.

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The evaluation of the research in SMES and entrepreneurship has been the subject of several research works. These works have been made particularly in the anglo-saxon countries, Busenitz et al (2003) , Meyer and al, (2014), Frank Lasch sees and Said Yami in the francophone countries and Jose C. Sánchez Andrea Gutierrez (2011) in the Spanish-speaking countries. However, this type of research is absent in the emerging countries such as Morocco, hence the usefulness of this work. . The aims of this research is to evaluate the moroccan research in SMES and entrepreneurship. The work is based on th

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Allammari, Yassin, Ahmed Taqi, and El Hassania Rahou. "Modeling the Relationship Between Market Orientation, Learning Orientation, and Performance of Moroccan SMEs: A Structural Equation Approach." E3S Web of Conferences 477 (2024): 00052. http://dx.doi.org/10.1051/e3sconf/202447700052.

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In the field of entrepreneurship, Small and Medium Enterprises (SMEs) are highly regarded due to their substantial contributions to growth, development, and innovation. In Morocco, SMEs constitute nearly 97% of the country’s production sector, span various industries, generate 38% of national wealth74% of the workforce, as per the 2021 report from the Moroccan SME Observatory. However, in the face of international trade liberalization, these businesses face intense domestic market competition, impacting their competitiveness and performance. This study explores the significance of ‘market orie

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Touate, Samira, and Amina Bennouna. "Practices of CSR in Moroccan SMEs: Status and Issues." International Journal of Management Excellence 11, no. 2 (2018): 1574–81. http://dx.doi.org/10.17722/ijme.v11i2.1013.

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Understanding the concept of the Corporate Social Responsibility (CSR) and its benefits in the small and medium size enterprises (SMEs) context is no longer in need to be demonstrated in developed countries. Indeed, empirical research shows that CSR practices appropriation have a positive influence on corporate global performances even though the benefits are less obvious for the SMEs than for the big corporates.However, despite an increasing awareness of this new management approach, there are only few studies about CSR in Moroccan SMEs. Nonetheless, there is no evidence that the results and

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9

Soualih, Yassine. "Le respect des delais de paiement : Ancrage a deployer pour soutenir les PME marocaines." RMd. Economics, Management & Social Sciences 1, no. 3 (2024): e202401. http://dx.doi.org/10.23882/emss24069.

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This study aims to assess the impact of longer payment terms on the survival of Moroccan SMEs. The data collected and processed by Bank Al-Maghrib and the Observatory of payment delays in Morocco, converge towards the same unique observation, that Moroccan VSEs are the first victims of payment delays, with customer delays exceeding 8 months in 2021. This study highlights the challenges faced by these companies, and explores the legislative measures that could improve their situation. Using a methodological approach based on narrative synthesis and the analysis of quantitative data, the study h

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Dr., Abderrahim MOUSSAOUI. "Evaluating Safety Culture to Identify Performance Drivers in the Industrial Sector of a Moroccan SME." Evaluating Safety Culture to Identify Performance Drivers in the Industrial Sector of a Moroccan SME 9, no. 2 (2024): 11. https://doi.org/10.5281/zenodo.10669556.

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This study delves into the safety culture of Moroccan SMEs, highlighting a significant gap between their performance in occupational health and safety and the challenges related to sustainable development, despite the efforts of government organizations and large companies. Two major challenges are identified: the influence of the specific Moroccan culture and the implications of outsourcing. Based on the work of Cooper (2000), the study aims to determine the factors defining safety culture, particularly psychological, behavioral, and organizational aspects, and to understand their interrelati

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Ait MHAMED, Hind. "Corporate Social Responsibility in Morocco: Are Small and Medium-Sized Enterprises (SMEs) Socialy Responsible?" al-Uqud : Journal of Islamic Economics 4, no. 2 (2020): 174. http://dx.doi.org/10.26740/al-uqud.v4n2.p174-185.

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CSR's dynamism in Moroccan business is very recent. It was started in 2006 with the initiative of the Moroccan Confederation of business associations (CGEM) through the CSR label. Nowadays, more than 70 companies in the majority of large firms had been labelled. In the same year, the Moroccan Kingdom accedes to the Global Compact. At the policy level, the country has presented its achievements regarding the objectives millennia and began the implementation of the objectives of sustainable development. In this dynamism, what about SMEs? Which are the key importance of the Moroccan economy? Ther

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Kettani, Zohor, and Abdulkader Aljandali. "Corporate governance: Study case of competitive intelligence practices in Moroccan SMEs." Corporate Ownership and Control 20, no. 1 (2022): 214–21. http://dx.doi.org/10.22495/cocv20i1art19.

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Increasing uncertainty and volatility has affected small- and medium-sized enterprises (SMEs) resilience. Their competitiveness is no longer akin to macroeconomic factors but is very much impacted by asymmetric access to information. This is particularly relevant given the challenges posed by the digitalization of various business processes. In order to remain resilient and keep a competitive edge, SME owners/managers ought to make strategic decisions based on reliable and relevant information. There is then the need to consider adopting an information management-oriented approach such as comp

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13

Ayad, Khalid, Anass Touil, Nabil El Hamidi, and Khaoula Dobli Bennani. "Does behavioral biases matter in SMEs' borrowing decisions? Insights from Morocco." Banks and Bank Systems 19, no. 1 (2024): 170–82. http://dx.doi.org/10.21511/bbs.19(1).2024.15.

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Bank financing decisions by small and medium-sized enterprises (SMEs) are crucial to their growth and survival, particularly in emerging economies such as Morocco. This study aims to assess the impact of behavioral biases on these decisions, an area little explored in the existing financial literature. The main objective is to analyze how behavioral biases such as overconfidence, risk aversion, confirmation bias, anchoring, and managerial myopia biases influence bank financing decisions of Moroccan SMEs. The approach adopted is quantitative and uses robust least squares regression to analyze d

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Saida, FILALI, and FARAJ Nassima. "Marketing of SMEs in the digital age: Challenges and issues." International Journal of Accounting, Finance, Auditing, Management and Economics 3, no. 6-2 (2022): 231–41. https://doi.org/10.5281/zenodo.7373605.

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Digital marketing is revolutionizing organizational structures including businesses, especially Moroccan SMEs, offering a set of opportunities to improve the traditional way of operating while building a more authentic relationship with customers. Indeed, digital marketing brings forward important characteristics for SMEs in search of efficiency and performance, and it is considered as an interesting alternative to traditional approaches. To this end, the interest of our study is to show the main issues and challenges that the digitalization of the marketing function can have on Moroccan SMEs.

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15

Ziky, Mustapha, and Raja Daouah. "Exploring Small and Medium Enterprises’ Perceptions Towards Islamic Banking Products in Morocco." International Journal of Economics and Finance 11, no. 10 (2019): 106. http://dx.doi.org/10.5539/ijef.v11n10p106.

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The main purpose of the study is to examine the willingnesslof Moroccanlsmall andlmediumlsizelenterpriseslto adopt Islamic finance methods andlthe factors thatlmay affect theirldecision. The researchlmethod is based on a modified version of theory of planned behavior (TPB). A total of 250 questionnaires were randomly distributed to SME’s managers but only 167 were valid for Analysis. The empirical findings based on our research framework indicate that most of SMEs are potential user of Islamic finance instruments. Noticeably, cost plays a major role in determining the likelihood of demand of t

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SOUSSI, Nour-Eddine, Habib ELFATHAOUI, and Jamal AGOURAM. "Governance and Performance of Agri-Food Exporting SMEs." Asian Journal of Social Sciences and Management Studies 8, no. 4 (2021): 83–91. http://dx.doi.org/10.20448/journal.500.2021.84.83.91.

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Moroccan SME's are involved in local development and are currently the subject of several studies. Furthermore, Moroccan SMEs are crucial to the country's economic growth since they produce value, create employment, and play an important role in local development. The goal is to identify the factors that influence its export performance. This performance can be influenced by the governance system, which is defined as a set of mechanisms that have the effect of limiting managers' powers and influencing their decisions. In this light, the purpose of this paper is to demonstrate, using a sample o

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Koura, Abdelghani, Abdeslam Boudhar, and Mohamed Oudgou. "Convergence of public policies: Aligning policies and actors for sustainable financing of Moroccan SMEs—MACTOR analysis." Journal of Infrastructure, Policy and Development 8, no. 10 (2024): 6590. http://dx.doi.org/10.24294/jipd.v8i10.6590.

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SMEs are characterized by a number of flaws that threaten their survival and counteract them from reaching high levels of growth and development. Access to finance is the primary problem facing these companies in the Moroccan context. Aware of the effective and potential impacts of SMEs on the country as a whole, the Moroccan Government through a variety of actors has mobilized its efforts in a number of ways to support this population of companies. This study assesses the extent to which actors within the Moroccan SMEs’ financing ecosystem align to support these companies and develop their ab

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OUMGHAR, Asma, and Issam IZZA. "Crisis Management and Communication in Moroccan SMEs: Analysis using the Processual Approach." International Journal Of Applied Management And Economics Vol 02, N°07 (2024): 013–29. https://doi.org/10.5281/zenodo.10907877.

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Abstract: Today, companies are faced with a myriad of complex challenges, underlining the crucial importance of effective management and appropriate communication to effectively resolve emerging issues. In this context, our study aims to understand the various perceptions of crises and analyzes the management and communication strategies adopted in such circumstances according to a process-oriented approach. We explore how Moroccan small and medium-sized enterprises (SMEs) improve their crisis management and communication in crisis situations. Our qualitative methodology is based on a comprehe

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BOUTFSSI, Adil, and Tarik QUAMAR. "The Determinants of SME Credit Rationing in Morocco. Case of SMEs in the Casablanca Settat Region." Theoretical and Practical Research in Economic Fields 15, no. 4 (2024): 831. https://doi.org/10.14505/tpref.v15.4(32).04.

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In this article, we are concerned with a central element of the Moroccan economy, namely small and medium-sized enterprises (SMEs), which often find themselves in a situation where alternative sources of financing are not easily accessible, including bank financing. Indeed, Moroccan SMEs are closely dependent on banking institutions to obtain the financial support necessary for their projects. However, these businesses frequently face the phenomenon of credit rationing, necessitating improved access to credit. In this research work, we have contributed to the study of this phenomenon, focusing

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Boutbhirt, Naima, and Mohamed Adaskou. "Financial innovation of Small and Medium Enterprises in Morocco in the area of energy optimization: State of the art." E3S Web of Conferences 412 (2023): 01084. http://dx.doi.org/10.1051/e3sconf/202341201084.

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The Moroccan entrepreneurial ecosystem is composed mainly of small and mediumsized enterprises (SMEs). These SMEs are currently undergoing profound changes after the financial and health crises, characterized by upheavals and uncertainty. This global context has prompted SMEs to be more and more competitive in order to cope with high degrees of turbulence and unpredictability. This requires the adoption of financial innovations and the inclusion of new modes of financing, in order to overcome the constraints of limited access to resources and the problems of undercapitalization that are relate

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El Attaoui, Zuhair. "Impact of the implementation of the Lean Six Sigma process within Moroccan environmental SMEs." E3S Web of Conferences 412 (2023): 01051. http://dx.doi.org/10.1051/e3sconf/202341201051.

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Lean Six Sigma is a management approach used to improve the efficiency, quality and performance of processes within companies. When applied to environmental businesses in Morocco, Lean Six Sigma can bring several significant benefits. Lean Six Sigma aims to eliminate waste, inefficiencies and non-essential processes. By applying it to Moroccan environmental companies, it is possible to optimize operations, improve productivity and reduce costs. That can contribute to more efficient use of resources and better management of projects. Environmental companies have the primary mission of minimizin

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Bahyaoui, Salwa. "Systèmes De Mesure De La Performance (SMP) Dans Les PME Marocaines: Les Résultats D’une Recherche Exploratoire." European Scientific Journal, ESJ 13, no. 10 (2017): 149. http://dx.doi.org/10.19044/esj.2017.v13n10p149.

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Despite having experienced profusion since the mid-90s, research on Performance Measurement Systems (PMS) has remained focused on large companies. Interest in the study of such systems in the context of SMEs is not only relatively recent, but occurs mainly in developed countries. This triggered our interest in understanding performance measures in a developing country, namely, Morocco. To do this, an exploratory empirical study was conducted among a sample of Moroccan SMEs. The results, while confirming some specific characteristics of SMEs, help qualify some aspects including those related to

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Iaataren, Idriss, Houda Hefnaoui, and Zakaria Ben Darkawi. "Impact of Governance on the Failure of Moroccan SME Exporters." Proceedings International Conference on Business, Economics & Management, no. 1 (July 26, 2023): 445–52. http://dx.doi.org/10.47747/icbem.v1i1.1237.

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This study aims to assess how governance can affect the ability of exporting SMEs in Morocco to cope with exchange rate fluctuations, by identifying the resulting failure factors and proposing effective governance strategies to address them. The hypothesis formulated is that good governance within exporting SMEs can improve their ability to cope with exchange rate fluctuations by reducing the default factors associated with these variations and by promoting the implementation of effective exchange rate risk management strategies. The epistemological framework of this study is based on a quanti

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Nassou, Yousra, and Zakaria Bennani. "Decentralized Organizational Structure and its Impact on Managerial Performance in Moroccan SMEs." European Journal of Theoretical and Applied Sciences 1, no. 6 (2023): 930–38. http://dx.doi.org/10.59324/ejtas.2023.1(6).89.

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In response to the dynamic challenges posed by today's business environment, this study investigates the interplay between organizational structure and managerial performance in Moroccan SMEs. Traditional hierarchies are scrutinized for their limitations in adapting to uncertainty, prompting a reevaluation towards decentralized structures (Fernandez, 2017; Mintzberg, 1979). Citing a broad spectrum of literature, the research establishes a clear link between decentralized structures and heightened managerial performance, emphasizing the pivotal role of alignment between the Accounting Informati

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Yousra, Nassou, and Bennani Zakaria. "Decentralized Organizational Structure and its Impact on Managerial Performance in Moroccan SMEs." European Journal of Theoretical and Applied Sciences 1, no. 6 (2023): 930–38. https://doi.org/10.59324/ejtas.2023.1(6).89.

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In response to the dynamic challenges posed by today's business environment, this study investigates the interplay between organizational structure and managerial performance in Moroccan SMEs. Traditional hierarchies are scrutinized for their limitations in adapting to uncertainty, prompting a reevaluation towards decentralized structures (Fernandez, 2017; Mintzberg, 1979). Citing a broad spectrum of literature, the research establishes a clear link between decentralized structures and heightened managerial performance, emphasizing the pivotal role of alignment between the Accounting Informati

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DIDI, SEDDIK Mohamed Mouad, Anas CHEKROUNI, and Hassan KHALOUKI. "Predicting the Behavior of Moroccan SME Managers towards participatory financing: An Exploratory Study in the Fez-Meknes Region." International Journal Of Applied Management And Economics Vol 02, N°06 (2024): 109–37. https://doi.org/10.5281/zenodo.10814397.

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ABSTRACT Small and medium-sized enterprises (SMEs) play a crucial role in economic growth and have become a major concern for governments and policymakers in developed and developing countries alike. Given the importance of SMEs in Morocco's economic growth, it is essential that SMEs have access to sources of financing. However, access to finance is one of the main constraints to SME development, hence the importance of the participatory banking sector which has grown considerably worldwide over the past 40 years due to its ethical, religious and solidarity dimensions. It is set up to boost th

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Soumaya, AHAROUAY, AHMED AHROUAY, and M'hamed HAMICHE. "Navigating the Gig Economy: Talent identification in tripartite work arrangements in Morocco." Technium: Romanian Journal of Applied Sciences and Technology 25 (December 1, 2024): 107–23. https://doi.org/10.47577/technium.v25i.12061.

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The gig economy is transforming the traditional employment landscape in Morocco, introducing both challenges and opportunities for talent identification. As online labor platforms such as Upwork, Fiverr, and Uber become increasingly prevalent, they facilitate the connection between freelance workers and SMEs seeking flexible labor solutions. This paper delves into the intricacies of tripartite work arrangements that encompass these platforms, the requesters (SMEs), and the gig workers themselves. By examining these relationships, we uncover the unique aspects of talent identification within th

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Fadila, ELBICHRI. "Supply Chain Finance Risks Impact on SMEs Performance: The Case of Moroccan Companies." International Journal of Current Science Research and Review 05, no. 10 (2022): 3922–27. https://doi.org/10.5281/zenodo.7190032.

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<strong>ABSTRACT: </strong>Based on extant literature, there is lack of empirical research targeting the influence of supply chain finance risks on companies’ performance in general [6] and to our knowledge research on such topic in the context of developing countries is scarce. Consequently, this paper seeks to investigate the impact of supply chain finance risks on Moroccan companies’ logistics and economic performance. Semi structured interviews with executives of Moroccan companies would be carried out to examine their awareness of supply chain finance risks and how they addres

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Rachid, MAGHNIWI. "Rating Versus Real Collateral Trade-Off for Bank Loans to Moroccan SMEs in a Context of Deteriorating Balance Sheet Fundamentals." International Journal of Management and Economics Invention 11, no. 05 (2025): 4212–18. https://doi.org/10.5281/zenodo.15534841.

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ABSTRACT : This study analyzes the determinants of the trade-off between rating-based assessment and the requirement for real collateral in bank lending to Moroccan SMEs, particularly in a context of deteriorating balance sheet fundamentals. Facing post-pandemic economic challenges and rising non-performing loans, Moroccan banking institutions are confronted with a major dilemma: strengthen their dependence on internal rating systems or favor tangible guarantees. Our research, based on a sample of 237 SMEs and covering the period 2019-2024, demonstrates that the deterioration of SMEs' financia

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El Makrini, Hind. "How does management perceive export success? An empirical study of Moroccan SMEs." Business Process Management Journal 21, no. 1 (2015): 126–51. http://dx.doi.org/10.1108/bpmj-04-2013-0053.

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Purpose – The purpose of this paper is to examine the managerial determinants of the export success of Moroccan small and medium enterprises (SMEs) based on resource-based view (RBV) of a firm. Design/methodology/approach – The quantitative design was employed involving a questionnaire completed by 100 managers of Moroccan SMEs. Multiple regression analyses were carried out to confirm or reject eight hypotheses. Findings – It was found that management export commitment and management customer orientation are the main managerial factors in the export success of Moroccan SMEs. Research limitatio

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Allammari, Yassin, Chama Jaride, Abderrahim Zghaida, Siraj El Aaroubi, and Ahmed Taqi. "The mediating role of innovation capabilities in the relationship between organizational learning and performance: Evidence from moroccan SMEs." Multidisciplinary Science Journal 7, no. 4 (2024): 2025180. http://dx.doi.org/10.31893/multiscience.2025180.

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The relationship between organizational learning, innovation capability, and performance has been extensively explored in academic research. However, few studies have examined the specific mediating role of product and managerial innovation capabilities in the link between learning orientation and SME performance. Moreover, none of these studies have been conducted in the context of Moroccan SMEs. Therefore, this study aims to enrich existing literature by providing theoretical and empirical insights into the mechanisms of interaction among the variables in question in a different context, suc

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Zouhair, Yassine, Younous ELMRINI, and Mustapha BELAISSAOUI. "Framework for ERP implementation in the context of Moroccan SMEs." Data and Metadata 4 (June 12, 2025): 861. https://doi.org/10.56294/dm2025861.

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The current and future challenges and the rapid evolution of markets in a context of globalization require companies to acquire the technological tools to manage information flows in order to remain up-to-date and competitive. To do so, it is ready to deploy important means to guarantee its competitiveness and its scalability. This is done mainly through the implementation of software technologies, the most popular of which are known as Enterprise Resource Planning (ERP). ERP is a popular option for small and medium-sized enterprises (SMEs) today that are looking to optimize and integrate thei

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Mohamed, HAISSOUNE, and IZIKI Ilias. "Finance participative au Maroc : Quelles réponses aux problèmes de financement des PME ? État des lieux et perspectives." African Scientific Journal Vol 3, N° 9 (2021): 416. https://doi.org/10.5281/zenodo.5863449.

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<strong>Résumé </strong> Les PME sont le noyau de l’économie marocaine. Elles présentent une grande part du tissu économique marocain et participent fortement à l’emploi, à la création de la valeur et à la croissance économique. Cependant, Les PME doivent faire face à différents obstacles notamment en matière de financement. Récemment implantée au Maroc, la finance participative vient améliorer le marché financier et proposer des nouveaux instruments financiers bas

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HILMI, Mouna, and Yassine JAOUI. "Obstacles To The Internationalization Of Moroccan SMEs: Case Studies." 15TH GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES ON 14 - 15 SEPTEMBER 2023, NOVOTEL BANGKOK PLATINUM PRATUNAM, THAILAND 15, no. 1 (2023): 116. http://dx.doi.org/10.35609/gcbssproceeding.2023.1(116).

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The environment in which companies are immersed is characterized by multiple transformations that can be described as profound, especially with the successive reduction of tariff and non-tariff barriers, the acceleration of competition, and changes in the business world (Nummela, 2004). Several countries have set up free-trade zones to facilitate integrating companies into the global economy ((Raynard & Forstater, 2002). At this level, the internationalization of companies is seen as a solution for reaping the benefits of globalization, in particular, taking advantage of the exploitation o

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Lopez-Perez, Maria Victoria, Maria Carmen Perez-Lopez, and Lazaro Rodriguez-Ariza. "Ownership governance and performance in Spanish-Moroccan joint ventures." South African Journal of Economic and Management Sciences 16, no. 3 (2013): 231–43. http://dx.doi.org/10.4102/sajems.v16i3.254.

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This paper analyses the impact of ownership on performance by SMEs formed as Spanish-Moroccan international joint ventures (IJVs). In such SMEs, the functions and persons involved at different levels of governance – ownership, board and managers – often overlap. The results obtained from 210 SMEs suggest that owners often exert control by participating in the other mechanisms of governance. Their participation as members of the board has a positive influence on performance and thus the success of the IJV, but when owners form part of the management team (a less frequent situation), the influen

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Hicham, OUZIF, HAI Ikrame, EL BOUKHARI Hayat, and ABDELLAOUI Mohammed. "The Impact of Information and Communication Technologies on the Competitiveness of Smes in Morocco: An Approach Based on the Technology Acceptance Model." International Journal of Social Science and Human Research 07, no. 11 (2024): 8122–27. https://doi.org/10.5281/zenodo.14161868.

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This article examines the impact of Information and Communication Technologies (ICT) on economic competitiveness in Morocco, with a focus on ICT adoption among small and medium-sized enterprises (SMEs). Through an analysis based on the Technology Acceptance Model (TAM), the study identifies key challenges faced by companies in integrating ICT and highlights opportunities presented by government initiatives such as the "Digital Morocco Plan 2020." The findings indicate that the acceptance and increased use of ICT are essential for fostering innovation and enhancing the performance of Moroccan b

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Rouijel, Mohamed Reda. "ENTREPRENEURIAL ORIENTATION AS AN ANTECEDENT TO THE RAPID INTERNATIONALIZATION OF MOROCCAN SMES IN THE WOMEN’S ENTREPRENEURSHIP FIELD." Business, Management and Economics Engineering 22, no. 01 (2024): 138–55. http://dx.doi.org/10.3846/bmee.2024.19929.

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Purpose – This article aims to explore the importance of the international entrepreneurial orientation (IOE) of Moroccan women entrepreneurs (based on innovation, risk-taking and proactivity) in the speed of internationalization of Moroccan SMEs through the niche strategy as an intermediate variable. Research methodology – We adopted a quantitative study on a sample of 45 Moroccan SMEs to test the research hypotheses using the structural equation method, under Smart-PLS software. Findings – A significant relationship between the international entrepreneurial orientation of Moroccan women entre

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Arzou, Nabil, Miloudi Kobiyh, and Marouane Mkik. "Business Failure Prediction: The Case of Moroccan SMEs." Open Journal of Business and Management 13, no. 01 (2025): 278–300. https://doi.org/10.4236/ojbm.2025.131017.

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Badaj, Fairouz, and Bouchra Radi. "Empirical investigation of SMEs’ perceptions towards PLS financing in Morocco." International Journal of Islamic and Middle Eastern Finance and Management 11, no. 2 (2018): 250–73. http://dx.doi.org/10.1108/imefm-05-2017-0133.

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PurposeThe main purpose of the study is to examine the willingness of Moroccan small- and medium-sized enterprises (SMEs) to adopt profit and loss sharing (PLS) method of finance and the factors that may influence their decision.Design/methodology/approachThe research model is based on the decomposed theory of planned behaviour (DTPB). A total of 340 questionnaires were randomly distributed to SMEs’ owner-managers, out of which 177 were collected and only 153 were valid for analysis. Factor analysis and partial least squares regression were subsequently applied.FindingsThe results showed that

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El Bakirdi, Younes, and Said Radi. "Le Système D’information Comptable Des PME Marocaines : Observation Des Pratiques." European Scientific Journal, ESJ 13, no. 31 (2017): 222. http://dx.doi.org/10.19044/esj.2017.v13n31p222.

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By mobilizing the theoretical framework of the specificity of SMEs, this work tries, through the observation of accounting practices, to answer the question of the relevance (production and use) of the accounting data for the managers of Moroccan SMEs. Indeed, through semi-structured individual interviews with SME managers, accounting and financial directors of SMEs and accountants, it is about to describe the different accounting practices of SMEs on the one hand, and to highlight potential determinants that may explain the differentiation of these practices on the other hand.

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Kamal, Oussouadi, and Cherkaoui Kenza. "Unlocking SME investment potential: The determinants of an effective credit guarantee scheme in Morocco." Investment Management and Financial Innovations 21, no. 1 (2024): 244–58. http://dx.doi.org/10.21511/imfi.21(1).2024.19.

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This research seeks to identify the factors influencing the investment potential of SMEs following their receipt of government-guaranteed loans. To this end, an empirical methodology based on the statistical analysis of data collected from a representative sample of Moroccan companies was employed. This sample of 335 SMEs that had benefited from loans with government guarantees was selected at random to ensure its relevance to the population of SMEs in Morocco. The methodological approach is based on a regression analysis using the robust least squares (RLS) method. Firm profitability is posit

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Boumlik, Zouhair, Badia Oulhadj, and Olivier Colot. "Determinants of Debt Financing Behavior of Unlisted Moroccan Family SMEs: A Panel Data Analysis." International Journal of Financial Studies 13, no. 1 (2025): 6. https://doi.org/10.3390/ijfs13010006.

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This paper investigates the firm-level determinants of debt policy in private family SMEs. It employs a comparative analysis of two sub-samples of family and non-family SMEs using panel data from 200 Moroccan SMEs over the period from 2018 to 2022. The findings reveal that family SMEs adopt a conservative financing strategy, maintaining lower debt levels compared to their non-family counterparts. This conservative approach appears to be driven by risk considerations related to bankruptcy costs associated with higher debt levels. Indeed, the results show that the financing behaviors of family S

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Khouibiri, Najia, and Yousef Farhaoui. "Analyzing the Influence of Cloud Business Intelligence on Small and Medium Enterprises A Case Study of Morocco." Data and Metadata 2 (December 21, 2023): 104. http://dx.doi.org/10.56294/dm2023104.

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Business intelligence (BI) has long been a crucial factor in bolstering organizational competitiveness, offering strategic insights that shape decision-making and propel business expansion. The advent of cloud computing has further amplified data sharing and collaboration. This study advocates for the adoption of Cloud BI as an innovative tool to bolster the economic growth of small- and medium-sized enterprises (SMEs) in Morocco. We emphasize the interconnectedness of these businesses' performance with the overall well-being of the Moroccan economy, underscoring the need for regulatory bodies

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Imane, Mouhtat, and Touhami Fatima. "Explaining the survival of Small and Medium Enterprises in Morocco by context variables: Structural equation modeling." Multidisciplinary Science Journal 7, no. 6 (2024): 2025270. https://doi.org/10.31893/multiscience.2025270.

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Business failures in an African context were reported to have affected more than 14,200 companies in Morocco in 2023, representing a 15% increase compared to 2022, according to the daily Le Matin du Sahara et du Maghreb in its October 19 edition. This annual figure marks a record high for Morocco. The number of business failures is expected to rise due to payment difficulties, particularly encountered by small and medium-sized enterprises (SMEs), as noted by the credit insurer. To understand the mechanisms that either support or hinder the sustainability of SMEs, it is crucial to investigate t

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Boushib, Kaoutar, Mustapha Moujahid, and Malak Hajji. "Impact of foreign direct investment on the emergence of SMEs in Morocco: Analysis and strategic perspectives." Asian Economic and Financial Review 14, no. 11 (2024): 882–94. http://dx.doi.org/10.55493/5002.v14i11.5231.

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This research investigates the impact of foreign direct investment on the emergence of SMES in Morocco. One of the strategic objectives that Morocco seeks to achieve through its policy of promoting foreign direct investment (FDI) is the exploitation of positive externalities on its national economy. These benefits include encouraging the creation and development of small and medium-sized enterprises (SMEs). This article aims to empirically examine the impact of FDI on the creation of SMEs in Morocco, assessing both long-term and short-term effects. A time series econometric analysis was conduc

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Benayad, Khaoula, and Mohammed Rachid Aasri. "Behavioral Biases and Investment Decisions of SMEs Managers: Empirical Analysis within the Moroccan Context." International Journal of Financial Studies 11, no. 4 (2023): 120. http://dx.doi.org/10.3390/ijfs11040120.

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This article examines the impact of overconfidence, optimism, risk aversion, mimicry and intuition biases on the investment decisions of Moroccan SMEs managers. The study was based on a sample of 133 SMEs managers, who were randomly selected to ensure the representativeness of the results. Analysis showed that optimistic managers tend to make investment decisions more frequently, while those who are more risk-averse adopt a more cautious approach. Mimicry was also identified as an influential factor in investment decisions, with executives likely to be influenced by the choices of their peers.

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Zizi, Youssef, Amine Jamali-Alaoui, Badreddine El Goumi, Mohamed Oudgou, and Abdeslam El Moudden. "An Optimal Model of Financial Distress Prediction: A Comparative Study between Neural Networks and Logistic Regression." Risks 9, no. 11 (2021): 200. http://dx.doi.org/10.3390/risks9110200.

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In the face of rising defaults and limited studies on the prediction of financial distress in Morocco, this article aims to determine the most relevant predictors of financial distress and identify its optimal prediction models in a normal Moroccan economic context over two years. To achieve these objectives, logistic regression and neural networks are used based on financial ratios selected by lasso and stepwise techniques. Our empirical results highlight the significant role of predictors, namely interest to sales and return on assets in predicting financial distress. The results show that l

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Touate, Samira, and Amina Bennouna. "Practices of CSR in Moroccan SMEs: Status and Issues." International Journal of Management Excellence 11, no. 2 (2018): 1574. http://dx.doi.org/10.17722/ijme.v11i2.475.

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Oussama, ATTAHIR. "Innovation in entrepreneurship at the time of covid-19: Development in economic persistence of Morocco." African Scientific Journal Vol 3, N° 13 (2022): 95. https://doi.org/10.5281/zenodo.7005181.

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<strong>Abstract:</strong> The covid-19 crisis described as unprecedented has exceeded its health field while collapsing the entire global economic system. Morocco, meanwhile, has suffered very aggressive effects on both the economic and social aspects.  The economic decline of a large number of VSEs and SMEs is mainly due to temporary and/or permanent interruption of activities. Faced with the challenges of economic recovery, sustainable territorial economic development and the sustainability of companies in times of crisis. Innovation is essential for Moroccan companies, as well as

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Allammari, Yassin, Chama Jaride, Mohamed Azdod, and Ahmed Taqi. "The role of customer orientation in enhancing the innovation capability and performance of Moroccan SMEs: A structural equation approach." Multidisciplinary Science Journal 6, no. 11 (2024): 2024250. http://dx.doi.org/10.31893/multiscience.2024250.

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The academic literature provides substantial evidence that customer orientation and innovation capability directly enhance the performance of SMEs. However, there is a gap in understanding the potential synergies between customer orientation and innovation capability within SMEs. This paper aims to explore how these two variables interact to influence the overall performance of SMEs. To achieve this, a quantitative survey was conducted with 98 managers of Moroccan SMEs operating in diverse sectors, including manufacturing, services, and commerce. The collected data were analyzed in two steps.

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