Ayman Gamal Hammad^1,, Dr. Mohamed Saad²

Entrepreneurs are the main factor behind creating new businesses across all fields and segments for creating Small and Medium Enterprises (SMEs), that deliberated one of the most vital economic multipliers in any growing economy, SMEs are widely recognized as being the major contributors to economic growth, job creation and economic activity in most developed nation countries. As such, encouraging the success and growth of SMEs is vital to the success of the Arab countries and their industries. Same in Egypt, despite their contribution to the country’s economy from several prospective as size, share in production, GDP and employment generation. Research main aim is to explore the Impact of Egyptian banking finance from facilitation and initiatives on Entrepreneurs' financial strategies for SME’s Life Cycle from accessing banking finance and having credit facilities, with the effect of SME’s Life Stage wither start-up or growing, Selection Criteria and SME’s Needs. The research is identifying each of said impacts, in between relationship with a generic view without postulating a specific sector or business field, and how Egyptian-banking sector should support entrepreneurs SMEs efficiently. The study intends to use mixed method research design, to investigate whether and how the weight of said factors (SME’s Life Stage, Selection Criteria and SME’s Needs) along with their interrelation that might signify / influencing the impact of Egyptian Banking Finance on Entrepreneurs' Financial Strategies for Life Cycle of SMEs. Researcher use a qualitative data collection method via conducting unstructured interviews with more than 20 professional Bankers working in different banks in the Egyptian Banking sector, whom specialized in financing SMEs through focusing on best practices with SMEs financing criteria and challenges faces. Furthermore, conducting open-ended questionnaires with Entrepreneurs/owners of SMEs in different fields.

Egyptian Banking Finance, Entrepreneurs' Financial Strategies, SME’s Life Stage, Banks Selection Criteria, SME’s Needs, Impact of Egyptian Banking Finance on Entrepreneurs' Financial Strategies for SME’s Lifecycle