Banking intermediation and SMEs in Morocco: Assessing Financial Performance Dynamics

Abstract

This article explores the impact of bank intermediation on Small and Medium Enterprises (SMEs) by synthesizing insights from previous research. Beyond providing capital, banks offer essential financial products and services like cash management tools and loans tailored to SMEs. The article proposes a theoretical model to analyze how bank-SME interactions influence SME performance, emphasizing the importance of relevant products and efficient service delivery in fostering SME growth and economic contribution. By prioritizing not just access to financial services, but also informed use and relevant products, banks can become transformative partners for SMEs. This comprehensive approach, informed by ongoing research through empirical modeling, will pave the way for a more dynamic financial landscape, where SMEs can thrive, fueling economic growth and innovation.