Résumé:
This thesis investigates the perceptions of artisan entrepreneurs in Algeria regarding various
financing patterns and their influence on funding choices. Utilizing the Theory of Planned
Behavior (TPB), the research analyzes how attitudes, subjective norms, and perceived
behavioral control affect financial decisions, addressing a critical gap in understanding the
financial landscape for artisan entrepreneurs.
The empirical analysis employed multi-response logistic regression to test the hypotheses.
Findings indicate that attitudes towards formal financial institutions, particularly banks, are
generally negative due to mistrust and perceived barriers. In contrast, subjective norms—
reflecting peer and social network influences—positively affect openness to diverse funding
methods. Perceived behavioral control exhibited a complex relationship, with some
entrepreneurs overcoming challenges through informal networks.
A significant conclusion is the predominance of informal financing, such as personal savings
and loans from family and friends, which often limits growth potential. The study emphasizes
the need for policy interventions, including tailored financial products, financial literacy
programs, and simplified access to government-backed loans.
This research contributes to the literature on micro-entrepreneurship by providing actionable
insights for improving access to financial resources, thereby enhancing the sustainability and
growth of artisan entrepreneurs.
