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Register a new userThe Difficulties which confront borrowers from the Agricultural Bank in the Syrian Arab Republic
الصعوبات التي يعاني منها المقترضون من المصرف الزراعي في الجمهورية العربية السورية
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تتناول الدراســة أهم الصعوبات التي تواجـه المقترضين من المصـرف الزراعي التعـاوني فـي سـورية؛ و ذلك من خلال دراســة الخدمـات التي يقدمها المصرف الزراعـي، و أهـم نـشاطاته مـع استبيان لآراء المستفيدين من القروض في بعض المحافظات لتحديد أهم الصـعوبات التي تواجـه عملية الحصـول على القروض الزراعية. و قد أسهم المصرف الزراعي في نمو الإنتاج الزراعي و تطويره بشكل كبير، إلا أن المتغيرات و عملية التطوير الاقتصادي تستدعي تطوير آلية الإقراض المتبعة فـي المـصرف و نظمه. و تشير هذه الدراسة إلى انخفاض في قيمة الإنتاج الزراعي من نسبة 3.22 % من قيمة الإنتـاج الإجمالي في سورية عام 1999 إلى نسبة 16 % عام 2008 ، فقد بلغت قيمة القروض عام 1999 نحـو 10222 مليون ليرة سورية بينما بلغت عام 2007 نحو 8877 مليون ليرة سورية. كما لوحظ تراجع في نسبة القروض العينية من 37.52 % عام 1999 إلى 3.43 % عام 2008 ، في حين لوحظ ازدياد في قيمـة القروض النقدية من 3.47 % إلى 7.56 % عام 2008 .
The studying interested in the most important difficulties wich stand against the loaners from cooperative agricultural bank in Syria within the study services the agricultural bank activity and most of his activities with quesionnaire the opinions of the benefiters from loans in some tourism to define the most important difficulties that challenge the operation of taking the agricultural loans the agricultural bank help in growing and development stand against workers in giving-division and collecting the agricultural loans. the rote of loans reach in the year 1999e agricultural production in big way ,but the changes and the economic development way require development of the system of loans which go in bank, the study show to the decreased in the agricultural rate from 22.3% in 1999 to 16% in 2008. The loans reached in 1999 (10222) million Syrian pound–white reached in the year 2007 (8877) million Syrian pound, it was observed decrease in the loans rate from 47.3% to56.7% in the year 2008. There is contras in the given loans rate to the agricultural crops. for example: the wheat crop took the rate 26.17% while the grain crop took the rate 20% in 1999 while in 2008 the wheat crop its loans 36.44% and the grain crop took the rate0.06% from the given loans. The questionnaire show the most important suggestions to have loans in simple way: give allow to the agricultural bank to give loans to the agricultural culture include economicmanufacture- to wide its base the transportation, interst inoculate way in agricultural cutler within rate 28.4%, increase the rate of loans with the rate 22.5%, increase the period of loans with the rate 11.5%, facility the procedures to take loans with rate 4.7%. The study suggests the development of bank activity to correspond with demands of transportation changes.
Artificial intelligence review:
Research summary
تتناول هذه الدراسة أهم الصعوبات التي تواجه المقترضين من المصرف الزراعي التعاوني في الجمهورية العربية السورية. تهدف الدراسة إلى تحليل نشاط المصرف الزراعي وتحديد التحديات التي تواجه عملية الحصول على القروض الزراعية. تم استخدام استبيان لآراء المستفيدين من القروض في بعض المناطق لتحديد أهم الصعوبات التي تعترض هذه العملية. أظهرت الدراسة انخفاض نسبة الإنتاج الزراعي من 22.3% في عام 1999 إلى 16% في عام 2008. كما لوحظ انخفاض في حجم القروض الممنوحة من 10222 مليون ليرة سورية في عام 1999 إلى 8877 مليون ليرة سورية في عام 2008. تشير النتائج إلى تباين في نسب القروض الممنوحة للمحاصيل الزراعية، حيث حصل محصول القمح على نسبة 26.17% في عام 1999 و36.44% في عام 2008، بينما حصل محصول الحبوب على نسبة 20% في عام 1999 و0.06% في عام 2008. توصي الدراسة بتطوير نشاط المصرف الزراعي ليتماشى مع متطلبات التغيرات الاقتصادية وزيادة قاعدة المستفيدين من القروض وتسهيل إجراءات الحصول عليها.
Critical review
دراسة نقدية: تعتبر هذه الدراسة مهمة في تسليط الضوء على التحديات التي تواجه المقترضين من المصرف الزراعي التعاوني في سوريا، إلا أنها قد تكون محدودة من حيث شمولية العينة المستخدمة في الاستبيان. كما أن الدراسة تركز بشكل كبير على الأرقام والنسب دون تقديم تحليل عميق للأسباب الجذرية لهذه التحديات. كان من الممكن أن تكون الدراسة أكثر فائدة إذا تضمنت توصيات عملية ومحددة لتحسين نظام القروض الزراعية وتقديم حلول مبتكرة للتغلب على الصعوبات المذكورة. بالإضافة إلى ذلك، يمكن أن تكون الدراسة أكثر شمولية إذا تناولت تأثير السياسات الاقتصادية العامة على القطاع الزراعي بشكل أوسع.
Questions related to the research
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ما هي نسبة انخفاض الإنتاج الزراعي بين عامي 1999 و2008؟
انخفضت نسبة الإنتاج الزراعي من 22.3% في عام 1999 إلى 16% في عام 2008.
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ما هو حجم القروض الزراعية الممنوحة في عام 1999 مقارنة بعام 2008؟
حجم القروض الزراعية الممنوحة انخفض من 10222 مليون ليرة سورية في عام 1999 إلى 8877 مليون ليرة سورية في عام 2008.
-
ما هي التوصيات التي قدمتها الدراسة لتحسين نظام القروض الزراعية؟
توصي الدراسة بتطوير نشاط المصرف الزراعي ليتماشى مع متطلبات التغيرات الاقتصادية، توسيع قاعدة المستفيدين من القروض، وتسهيل إجراءات الحصول على القروض.
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كيف تغيرت نسبة القروض الممنوحة لمحصول القمح بين عامي 1999 و2008؟
نسبة القروض الممنوحة لمحصول القمح ارتفعت من 26.17% في عام 1999 إلى 36.44% في عام 2008.
References used
القضاة، عماد الدين وعواد مفلح. ( 2000 ). تقييم أداء مؤسسة الإقراض الزراعي في الأردن.ص 2
ناجي، السيد عبده. ( 2003 ). تسويق الخدمات المصرفية. اتحاد المصارف العربية بيروت. ص 246
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