Défaillance des PME au Maroc : Une Analyse Multidimensionnelle des Contraintes Financières et Managériales

Abstract

The failure rate of small and medium-sized enterprises (SMEs) in Morocco remains a major concern, with a 15% increase recorded in 2023, reaching 14,245 cases. While deteriorating economic conditions contribute to this trend, structural constraints such as extended payment delays (up to 240 days), limited access to financing, and insufficient managerial capabilities appear to exacerbate the situation. The sectors most affected—commerce, real estate, and construction—account for nearly 63% of business closures.

These dynamics have tangible consequences for employment, coinciding with Morocco’s rising unemployment rate, which reached 13.3%. The difficulties SMEs face in sustaining growth and generating jobs point to broader systemic challenges within the entrepreneurial ecosystem.

The findings suggest that targeted financial and structural reforms may strengthen the resilience of Moroccan enterprises and support their transition into sustainable economic actors. In this context, exploring how Morocco can foster a more supportive entrepreneurial environment appears crucial to mitigating business failures and curbing unemployment trends.