مجلة بحوث الإدارة والاقتصاد
Volume 5, Numéro 4, Pages 24-40
2023-12-31

The Role Of The National Agency For Microcredit Management In Fostering Small Enterprises And Enhancing Employment In El Bayadh Province From 2005 To 2022



Authors : Madani Hassiba .

Abstract

This article attempts to assess the impact of the National Microcredit Agency in supporting and financing small businesses and promoting employment opportunities in El Bayadh Province between 2005 and 2022. The research relies on data provided by the agency and employs a descriptive-analytical methodology, complemented by a case study approach. The study concluded that microcredit serves as a source of financing for individuals looking to realize their projects and as a means of creating job opportunities in general. However, its contribution remains weak, particularly in the El Bayadh Province. The study found that the purchase of raw materials is the preferred option compared to the Triangular financing formula. There is also significant interest in the service sector, which is more favored compared to other sectors, notably the agricultural sector, due to the region's agricultural nature. This is attributed to the limited value of the provided financing. Additionally, the predominant age group benefiting from microcredit is the youth, while there is a lower participation rate among females compared to males.

Keywords

Microcredit ; Small Businesses ; Employment Opportunities ; National Agency for Microcredit Management ; El Bayadh Province

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