Abstract
Promoting entrepreneurship in Morocco among young people has been a challenge for some years of economic and social problems, especially after the events of the Arab Spring. Several programs have been set up by the government for young entrepreneurs. Thus, faced with the large number of credit applications solicited by these young entrepreneurs, banks are obliged to resort to artificial intelligence techniques. For this purpose, the aim of this article is to propose a decision-making system enabling the bank to automate its credit granting process. It is a tool that allows the bank, in the first instance, to select promising projects through a scoring approach adapted to this segment of young entrepreneurs. In a second step, the tool allows the setting of the maximum credit amount to be allocated to the selected project. Finally, based on the knowledge of the bank's experts, the tool proposes a breakdown of the amount granted by the bank into several products adapted to the needs of the entrepreneur.
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