The aim of this study is to explore the expectations of Small and Medium Enterprises financing of the implantation of Participatory banks “Islamic Banks” in Morocco. In this research, the importance of Small and Medium Enterprises to both social and economic terms is undeniable, this type of business was not receiving the attention it deserves from the economists. The emerging SME funding application requires long credits as it is to finance investments which are amortized on a long or medium term, SME development cannot be achieved with a policy based on long-term resources, Indeed, many constraints stand before the evolution of Moroccan SMEs, especially the problematic of bank financing The Moroccan context is not very different from that of emerging countries and the MENA region. In Morocco, the SME has significant importance in the economic fabric in which they account for 95% according to statistics from the Confederation of SMEs. The problem of Small and Medium Enterprises is that they still have inadequate access to finance and other banking services. As a result, many SMEs tend to be concentrated in less capital-intensive, indeed, to ensure its development vector vocation in a vision of sharing profits and losses, the modern Islamic finance has improved participatory instruments such as Moucharakah and Moudarabah. Based on the morality of the client, the relationship of trust and project profitability, so the world of Islamic finance offers a broad range of financial instruments, each with a specific function. At the time to consider using Islamic finance, it is important to ensure that the instrument is adapted to the economic objective of the company. The purpose of this paper is to give an answer to the SME financing problems in Morocco and the expectations of Moroccan SMEs of the establishment of Participatory Banks “Islamic Banks”. The empirical study is conducted using a representative sample of SMEs in different fields, through a Factorial Method of dimension reduction, the statistical software SPSS 21 (Statistical Package for the Social Sciences).
