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Register a new userStudy the volume of loans provided by the agricultural cooperative bank in the Hama province
دراسة حجم القروض المقدمة من المصرف الزراعي التعاوني في محافظة حماة
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Damascus University ورقة بحثية
Publication date
2013
fields
Agrarian Economy
and research's language is
العربية
Created by
Shamra Editor
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هدف البحث إلى دراسة حجم القروض المقدمة من المصرف الزراعي التعاوني فـي محافظـة حمـاة بغية إبراز دور القروض الزراعية في عملية التنمية الزراعية من خلال دراسة حجم القروض المقدمة من المصرف الزراعي التعاوني بحسب آجالها و قطاعاتها المختلفة في محافظة حماة. و قد اعتمد فـي تنفيـذه على البيانات المنشورة و غير المنشورة للمصرف الزراعي التعاوني و فروعه في محافظـة حمـاة خـلال الفترة المدروسة 1990-2011 . اعتمد أسلوب تحديد قيم معـاملات الارتبـاط الخطيـة و المتعـددة بـين المؤشرات، و تحديد الدلالة التي تشير إليها قيم هذه المعاملات، كما اسـتخدم أسـلوب تحليـل معـادلات الانحدار التي تحدد طبيعة الارتباط. بينت نتائج التحليل أن قيمة القروض القصيرة الأجـل أخـذت اتجاهـاً عاماً متزايداً بمقدار زيادة سنوي بلغ نحو 48.12 مليون ل.س، كما زادت القروض طويلة الأمـد سـنوياً بمقدار 002.8 مليون ل.س، أما القـروض المتوسـطة الأجـل فقـد أخـذت اتجاهـاً متناقـصاً سـنوياً بمقدار -005.0 مليون ل.س، و بمعدل نمو سنوي قدر بنحـو 5.6 % و 09.3 % و 97.2 % للقـروض القصيرة، و المتوسطة، و الطويلة على الترتيب خلال فترة الدراسة.
The goal of this research was to the study the volume of agricultural loans provided by the ACB in the process of agricultural development in the province of Hama. Data from published and unpublished of all branches of Agricultural Cooperative Bank in Hama province collected during the period studied (1990- 2011) were used. Values of correlation coefficients of linear and multilinear between indicators were determined. Results showed that the value of shortterm loans took a general trend of growing by increasing the annual rate of about12.484 million of Syrian pounds (SP) and by 8.002 million SP for loans of long term while there was an annual trend of decreasing for medium-term loans by 0.005 million of SP. However an annual growth rates of 2.97%, -3.09% and 6.5 for loans of short, medium and long terms were observed respectively during the studied period.
Artificial intelligence review:
Research summary
تهدف هذه الدراسة إلى تحليل حجم القروض الزراعية المقدمة من المصرف الزراعي التعاوني في محافظة حماة وتأثيرها على التنمية الزراعية خلال الفترة من 1990 إلى 2011. اعتمدت الدراسة على بيانات منشورة وغير منشورة من المصرف الزراعي التعاوني وفروعه في محافظة حماة. استخدمت الدراسة أساليب إحصائية مثل معاملات الارتباط وتحليل الانحدار لتحديد طبيعة العلاقة بين حجم القروض والزمن. أظهرت النتائج أن القروض القصيرة الأجل زادت بمعدل سنوي قدره 12.48 مليون ليرة سورية، بينما زادت القروض طويلة الأجل بمعدل 8.002 مليون ليرة سورية. في المقابل، انخفضت القروض المتوسطة الأجل بمعدل -0.005 مليون ليرة سورية سنوياً. كما أظهرت الدراسة أن نسبة القروض القصيرة الأجل بلغت 81.4% من إجمالي القروض، مما يشير إلى تركيز المصرف على القروض القصيرة الأجل. وأوصت الدراسة بزيادة حصة القروض المتوسطة والطويلة الأجل في خطط الإقراض السنوية والحد من التدخل الحكومي في عمل المصرف.
Critical review
دراسة نقدية: تعتبر هذه الدراسة مهمة في تسليط الضوء على دور القروض الزراعية في التنمية الزراعية بمحافظة حماة. ومع ذلك، يمكن توجيه بعض الانتقادات البناءة لتحسين جودة البحث. أولاً، كان من الأفضل تضمين تحليل نوعي لآراء المزارعين حول تأثير القروض على حياتهم ومعيشتهم. ثانياً، لم تتناول الدراسة بشكل كافٍ تأثير العوامل الخارجية مثل التغيرات الاقتصادية والسياسية على حجم القروض. ثالثاً، كان من الممكن توسيع نطاق الدراسة ليشمل محافظات أخرى للمقارنة وتعميم النتائج. وأخيراً، كان من الممكن تقديم توصيات أكثر تفصيلاً حول كيفية تحسين نظام القروض الزراعية ليكون أكثر فعالية واستدامة.
Questions related to the research
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ما هي الفترة الزمنية التي غطتها الدراسة؟
غطت الدراسة الفترة الزمنية من 1990 إلى 2011.
-
ما هو الاتجاه العام للقروض القصيرة الأجل خلال فترة الدراسة؟
أخذت القروض القصيرة الأجل اتجاهاً عاماً متزايداً بمعدل سنوي قدره 12.48 مليون ليرة سورية.
-
ما هي نسبة القروض القصيرة الأجل من إجمالي القروض الممنوحة؟
بلغت نسبة القروض القصيرة الأجل 81.4% من إجمالي القروض الممنوحة.
-
ما هي التوصيات التي قدمتها الدراسة لتحسين نظام القروض الزراعية؟
أوصت الدراسة بزيادة حصة القروض المتوسطة والطويلة الأجل في خطط الإقراض السنوية والحد من التدخل الحكومي في عمل المصرف الزراعي التعاوني.
References used
Anka, A, A.. 1992. Analytecal Report on supervised agricultural credit،its problems prospects and suggestion for implementation in Pakistan. j. Rural. Division. Administration . 24(1):137-147
Muhammad, W., 2003. An Investigation into effectiveness of micro-credit programme of AKRSP: A case study of three villages of sub-division Hunza district Gilgit. M. SC (Hons) thesis ،Department، of Agric، .Economic .and Rural Social Agric. University .Peshawar،Pakistan
Mohiuddin, Y., 1993. Credit worthiness of Poor women،compassion of sum preliminary analysis. Division .minimalist credit program me in Asia،A. review. PP.1027-1199
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