M. M. DIDI SEDDIK, F. E. EL ADRAOUI, J. JABBOURI, and H. KHALOUKI, “Sources of motivation for Moroccan SMES to choose participative banking products: an empirical study of SMES in the Fez-Meknes region”, IJAFAME, vol. 5, no. 10, pp. 506-520, Oct. 2024.