Compétences managériales et risque de crédit

This article examines the effect of the entrepreneur skills on predicting the default risk of investment credit. Our work seeks to determine if these variables affect the probability of default. To do this, we are based on a sample of 39 Small and Medium Enterprise to estimate a logit model of default probability. Our results show that the variables which are related to entrepreneur skills have a significant effect on the prediction of credit default probability. For that, Bank should take into account these variables and financial ones in their decision in order to minimize a credit risk specially after the spectacular government decision to remove the self-financing and guarantees for young unemployed who decide to create their own projects.