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Register a new userMicrofinance Difficulties and Their Impact on the Target Group Field Study on the Beneficiaries of the Funding of the National Microfinance Institution in Syria
صعوبات التمويل الصغير و أثره على الفئة المستهدفة دراسة ميدانية على المستفيدين من تمويل المؤسسة الوطنية للتمويل الصغير في سورية
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Tishreen University ورقة بحثية
Publication date
2018
fields
Economy
and research's language is
العربية
Created by
Shamra Editor
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هدف البحث إلى تحديد صعوبات التمويل الصغير التي يواجهها المستفيدين من تمويل المؤسسة الوطنية للتمويل الصغير, و أثره على الفئة المستهدفة فيما يتعلق بتحسين ظروف المعيشة, و تشجيع المبادرات الفردية و زيادة فرص العمل, اعتمد البحث على المنهج الوصفي, و تمّ اختيار عينة عشوائية شملت (200) مستفيد من تمويل المؤسسة الوطنية للتمويل الصغير, تمّ توزيع الاستبانة أداة الدراسة عليهم, و تمّ استرجاع (187) استبانة, و استبعد الباحث (9) استبانات لعدم صلاحيتها للتحليل الإحصائي, و بذلك يكون عدد الاستبيانات المتبقية و الصالحة للتحليل (178) استبانة, و بنسبة استجابة بلغت (89%). توصل البحث إلى عدد من النتائج أهمها: إنّ المستفيدين من تمويل المؤسسة الوطنية للتمويل الصغير يواجهون صعوبات تمويلية عند البدء بالمشروع, حيث أنّ فوائد القروض مرتفعة جداً, كما أنّ نسبة القرض تعتبر متدنية مقارنة بحجم القرض المطلوب, بالإضافة إلى مشكلات مستمرة في تسديد الأقساط المستحقة في مواعيدها, و الإجراءات الروتينية و الإدارية عند تقديم طلب القرض, و الفترة الزمنية الطويلة للحصول على الموافقة لطلب القرض, و عدم كفاية فترات السداد, و التشدد في طلب الضمانات. كما أظهرت النتائج أنّ التمويل الممنوح من المؤسسة الوطنية للتمويل الصغير لم يؤدي الدور المطلوب في تحسين مستوى المعيشة, و تشجيع المبادرات الفردية, و زيادة فرص العمل.
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.
References used
Crepon, B., Devoto, F., Dufio, E., Parentte, W., Estimating the Impact of Microcredit on Those who take It Up Evidence from a Randomize Experiment in Morocco. National Bureau of Economic Research (NBER), NBER Working Paper No.20144, Cambridge, USA
مركز دمشق للأبحاث و الدراسات. المشاريع الصغيرة و المتوسطة في سورية مشكلة تمويل أم تنظيم, دمشق, . 2016
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the goal of the researcher to study the concept of micro-finance to
determine the features, characteristics and knowledge of the obstacles that might hinder the
success, in an attempt to access the knowledge of the control method most appropriate a
nd
to consider it as an activity Mali different from the rest of the financial activities and
influence in the country and find out the role of central banks in support The development
of this industry .And access to results that help to understand the nature of the work of
microfinance institutions and the statement of its clients who must make use of its services,
in addition to providing some solutions to issues that could reduce the obstacles to the
continuity and sustainability of the work of those institutions, and the statement of the
nature and function of central banks to support the continuation of the industry.
التمويل الصغير
المؤسسات المالية المتلقية للودائع
المؤسسات المالية غير المتلقية للودائع
المجموعة الاستشارية لمساعدة الفقراء
الرقابة الاحترازية
الرقابة غير الاحترازية
microfinance
financial institutions receiving deposits
financial institutions and non-recipients of deposits
the Consultative Group to Assist thePoor
prudential oversight
oversight is precautionary
المزيد..
The aim of this study was to investigate the impact of strategic
planning on outreach to clients in microfinance institutions in Syria,
and to explore for the differences between two institutions in terms of
strategic planning and its impact on outreach to clients.
The research aims to show the reality of small and micro-loans,
provided by the first small in Lattakia province, micro and small
business finance institution, as well as the statement of the actions
taken by the micro-finance institution to mitig
ate the effects of the
crisis and the faltering of small loans and micro granted from the
point of the enterprise view that.
The study was conducted during 2012-2013 to determine the impact of the
microfinance program of the Rural Community Development Project in
improving the performance of Awassi sheep of smallholders and their income
in the region of Jabal al-Hoss –
Aleppo. 215 of Awassi sheep breeders who had
benefited from the microfinance Sanduqe at least twice during 2007 - 2010 and
56 of non beneficiary - breeders (control sample) were selected randomly
basing on database available in the project. Information regarding social،
educational and animal production descriptive status was collected on the
ground (personal interview) by a questionnaire prepared for this purpose and
on the desktop official institutions. Descriptive and quantitative obtained data
were determined using SPSS Ver.18. Statistical analysis indicated that the
benefit from the loans helped significantly (P<0.05) to increase the twining rate
and reduce mortality rate and incidence of abortion in flocks of beneficiaries,
but did not significantly affect the length of suckling period and the weight of
lambs at birth and during the subsequent stages of growth. The finance had
also contributed significantly in reducing the average total cost of the disease in
flocks of beneficiaries, contributed to increase the herd size by about 36.8, in
the level of access to veterinary services by about 21%, in coverage the daily
consumption by12.6% and an increase in labor running at about 4.5%.
Financial and non-financial services helped to improve the average milk
productivity of beneficial flocks by about 20.5 kg/ season / head which reflected
positively to increase the annual income of beneficiaries by 8000 Syrian Pounds.
The Importance and the problem of the research lies in the urgent
need of all organizations to a distinct successful manager able to
achieve the objectives. It should also be noted that the supervisor in
the private organizations should pay attent
ion to fulfill the job
taking into account the needs and wishes of the workers at the same
time by creating a harmonious positive case between both directions
in what ensure achieving the objective of the organization the
highest productivity and best performance. The study relied on two
main variables: the independent variable (leadership style) and the
dependent (Organizational performance) .
The study is a questionnaire addressed to insurance organizations
that was designed in the form of three models, the first one is
prompt for Administrators and the second for employees and for the
customers.
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