Difficulties in accessing bank financing for DALOA SMEs

In this thesis, it was a question of studying the process of financing SMEs in Daloa as well as the reasons for the difficulties they encounter. The main objective of this thesis is to identify the difficulties encountered by SMEs in general and in particular those of Daloa.Through an empirical study conducted among bankers and entrepreneurs of Daloa; it shows the explanatory factors of the difficulties of financing SMEs in Daloa. According to our results, we can affirm that the difficulties of access to financing reside in the lack of information, the lack of risk-taking on the part of banks and finally the lack of good guarantee. In addition, these results will allow these companies to better prepare their credit applications to banking institutions.