1. “ Small and Medium Enterprises in Africa” January 2009 Florie THIELIN Julien DE BENEDITTIS Master 1 International Business Particular analysis through three selected African countries: Algeria, Ethiopia and South Africa.

5. 1.1 Why did we choose these 3 countries ?

8. 2. Numerous barriers of the business environment

9. African SME Low level of EDUCATION Business environment

11. African SME FINANCE Low level of EDUCATION Limited access to Business environment

13. African SME FINANCE ADMINISTRATION Low level of EDUCATION Limited access to Unwieldy Business environment

15. African SME FINANCE INFRASTRUCTURES ADMINISTRATION Low level of EDUCATION Limited access to Unwieldy Insufficient and deficient Business environment

17. African SME FINANCE INFRASTRUCTURES ADMINISTRATION Low level of EDUCATION Limited access to Unwieldy Insufficient and deficitent Small local market for Business environment SUPPLIERS & CUSTOMERS

19. In South Africa In Algeria In Ethiopia FINANCE INFRASTRUCTURES ADMINISTRATION Low level of EDUCATION Limited access to Unwieldy Insufficient and deficitent Small local market for Business environment SUPPLIERS & CUSTOMERS

20. 3. Main solutions brought by the different actors

21. GOVERNMENTS African SME

22. 3.1 Governments Algeria Ethiopia South Africa Ministry for SMEs and craft industry Important SME’s development policy since 2001 Chamber of Commerce « in process… » No SME’s development policy Department of Trade and Industry Very important SME’s development policy since 1994

24. 3.2 Networks & Clusters Cluster = « Group of SMEs from one industry sector that team up and act as one body. » Network = « Group of companies which are linked by means of individual connections. »

26. 3.3 Financial institutions and private equity - Banks - Micro-credit institutions - Guarantee companies - Private equity