Entrepreneurs de la classe moyenne dans les pays MENA : adaptation au COVID-19 et accès au financement (notice n° 743566)
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| fixed length control field | 03634cam a2200337 4500500 |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20250123091957.0 |
| 041 ## - LANGUAGE CODE | |
| Language code of text/sound track or separate title | fre |
| 042 ## - AUTHENTICATION CODE | |
| Authentication code | dc |
| 100 10 - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Berguiga, Imène |
| Relator term | author |
| 245 00 - TITLE STATEMENT | |
| Title | Entrepreneurs de la classe moyenne dans les pays MENA : adaptation au COVID-19 et accès au financement |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. | |
| Date of publication, distribution, etc. | 2023.<br/> |
| 500 ## - GENERAL NOTE | |
| General note | 67 |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | Notre article examine si les stratégies adoptées par les entrepreneurs de la classe moyenne pendant la pandémie affectent leur accès au financement, en particulier auprès des programmes gouvernementaux. Ces entrepreneurs sont identifiés par leur chiffre d’affaires : 2278 petites entreprises dans quatre pays de la région MENA (Égypte, Maroc, Tunisie et Jordanie) ont été sélectionnées à partir des enquêtes entreprises de l’Economic Research Forum (février 2020-juin 2021). Deux régressions probit, univarié et bivarié, estiment respectivement la demande et l’offre de financement gouvernemental. Nos résultats impliquent que les crédits commerciaux et l’ajustement du modèle d’affaire par le marketing digital et le commerce électronique ont désavantagé les entreprises lorsqu’elles postulent aux programmes gouvernementaux (côté demande). Cependant, l’utilisation de plateformes numériques, de médias sociaux et d’applications spécialisées pour maintenir leur activité commerciale sans contact direct avec les clients est considérée comme un avantage pour les entreprises afin de bénéficier du soutien gouvernemental (côté offre). Le crédit commercial est considéré comme une alternative aux prêts bancaires, et les gouvernements encouragent la numérisation des entreprises pendant la pandémie en approuvant la demande de financement. JEL : D1, D8, D22, G2, G30, M14. |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | Our article examines whether the strategies adopted by middle-class entrepreneurs during the pandemic affect their access to finance, particularly from government programmes. These entrepreneurs are identified by their turnover: 2,278 small businesses in four MENA countries (Egypt, Morocco, Tunisia and Jordan) were selected from the Economic Research Forum business surveys (February 2020-June 2021). Two probit regressions, univariate and bivariate, estimate the demand for and supply of government finance respectively. Our results imply that trade credits and business model adjustment through digital marketing and e-commerce put companies at a disadvantage when applying for government programmes (demand side). However, the use of digital platforms, social media and specialist applications to maintain business activity without direct customer contact is seen as an advantage for businesses to benefit from government support (supply side). Trade credit is seen as an alternative to bank loans, and governments are encouraging the digitisation of businesses during the pandemic by approving funding applications. JEL: D1; D8; D22; G2; G30; M14. |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | financement gouvernemental |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | accès au crédit |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | probits |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | ajustements du modèle d’affaires |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | pays MENA |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | pandémie |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | entrepreneurs de la classe moyenne |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | probits |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | MENA countries |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | business model adjustments |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | pandemic |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | middle class entrepreneurs |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | government funding |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | access to credit |
| 786 0# - DATA SOURCE ENTRY | |
| Note | Maghreb - Machrek | 254-255 | 2 | 2023-12-01 | p. 83-105 | 1762-3162 |
| 856 41 - ELECTRONIC LOCATION AND ACCESS | |
| Uniform Resource Identifier | <a href="https://shs.cairn.info/revue-maghreb-machrek-2023-2-page-83?lang=fr&redirect-ssocas=7080">https://shs.cairn.info/revue-maghreb-machrek-2023-2-page-83?lang=fr&redirect-ssocas=7080</a> |
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