Microfinance Difficulties and Their Impact on the Target Group Field Study on the Beneficiaries of the Funding of the National Microfinance Institution in Syria

The research aimed to identify the microfinance difficulties faced by the beneficiaries of the financing of the National Microfinance Institution and its impact on the target group in terms of improving living conditions, encouraging individual initiatives and increasing employment opportunities. The research was based on the descriptive approach. A random sample of 200 beneficiaries The researcher excluded (9) questionnaires for lack of validity for the statistical analysis, thus the number of remaining questionnaires valid for analysis (178) was identified, with a response rate of (89%). . The study found a number of results, the most important of which are: The beneficiaries of the financing of the National Microfinance Institution face funding difficulties at the start of the project. The loan interest is very high, the loan ratio is low compared to the size of the loan required, Scheduling, routine and administrative procedures when submitting a loan application, the long period of time to obtain approval for a loan application, insufficient repayment periods, and tightening of the guarantee application. The results showed that the funding provided by the National Microfinance Institution did not play the required role in improving the standard of living, encouraging individual initiatives and increasing employment opportunities.