I am an economist and banking professional with research interests in monetary policy transmission, banking behavior, and SME financing in emerging economies. My work focuses on the role of information asymmetry, prudential regulation, and balance-sheet constraints in shaping banks’ portfolio decisions and credit allocation. I have conducted empirical research on credit rationing and financial vulnerability of SMEs in Morocco, particularly in the Casablanca–Settat region, using applied econometric methods. Alongside my academic work, I have professional experience in the banking sector, which informs my research with practical insights into credit risk and balance-sheet management. My research aims to contribute to academic and policy discussions on monetary transmission and SME financing in developing economies.