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دور المصارف الحكوم الصغيرة والخاصة في تمويل المشاريع : بحث تطبيقي في عينة من المصارف الحكومية والخاصة == The role the government and private banks in financing small enterprises An Applied Research in the sample of government and private banks
Author name:
سالم سوادي حمود الدعماوي
Supervisor name:
سهام محمد عبد العزاوي
General topic:
Administration and Economics
Specific topic:
Banking Sciences
Degree:
Master
University:
University of Baghdad - Higher Institute Of Accounting And Financial Studies - Department Of Financial Studies
Language:
Arabic
University location:
Baghdad
First pages:
07T4509 - p.pdf
Abstract:
Bank financing represents one of the important functions carried out by the banks, whether governmental or private in order to support small businesses through the provision of loans for existing projects or under construction. So sought search to find out what small business, and the importance of funding, and the role of funders to support these projects, which have been addressed in the search through a sample of government banks (Rafidain and Rasheed) and private banks (the Middle East, Gulf, North, Assyria) and a sample of small enterprises borrowed from these banks, as well as a sample of those chock of the Ministry of Labour Social Affairs (soft loans) and Iraqi Company for Financing SMEs and the Iraqi Company for Bank Guarantees. Search it built on the fundamental assumption that (lead funding granted by the government and private banks on in accordance with established procedures to support small projects through the operation and development and to achieve employment).This has been proven this hypothesis and to reach a set of conclusions, including : The proportion of loans granted to small projects of the total loans and advances of government banks reached a low rate does not represent the required support from the banks, while we find that the loans granted by the government and private banks have reflected positively on the work project and then the operation of the project, development and achievement of employment, either with regard to the Iraqi company to finance small and medium - sized enterprises and the Iraqi Company for Bank Guarantees, we find that the most important conclusion is effective contribution by the two companies in the financing and support these projects.As output Find a set of recommendations including : should the government banks to work on the development unit specialized lending assume the functions of lending small and medium enterprises, the Iraqi government that is working to create the necessary funds to support small and medium enterprises, whether these funds from public budgets of the State or of the parties international donor community, that these funds will be disbursed through the Iraqi Company for Financing SMEs according to the mechanisms of action to be agreed upon with the company.
