University of Khartoum

دراسة تقييمية لدور البنوك ومؤسسات التمويل في مشروعات تنمية المرأة بولاية الخرطوم

دراسة تقييمية لدور البنوك ومؤسسات التمويل في مشروعات تنمية المرأة بولاية الخرطوم

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Title: دراسة تقييمية لدور البنوك ومؤسسات التمويل في مشروعات تنمية المرأة بولاية الخرطوم
Author: حمدين, عواطف دفع الله محمد
Abstract: Despite the fact that women in Sudan do play significant roles in social and economic spheres , women’s access to formal credit supply services is severely restricted by government economic development policies and prohibitive institutional credit supply requirements. The study focused on the discussion of issues related to the factors that hinder the supply of credit to women development projects by formal lending institutions, taking Khartoum State as case study. The study attempted to introduce and explain some concepts related to women development ,including poverty and rural development and their impact on women. Some comparisons in that regard were attempted to compare Sudanese women with women in some Arab countries . The study analyzed national and central bank policies in Sudan and their impact on women development programs. Forms of Islamic credit Islamic credit supply services were explained and assessed in terms of potential defects in their employment procedures Some women development projects supported by governmental and non-governmental lending institutions were analyzed to reveal the impact of their credit and training components on loan recipients. The lending institutions investigated include the Agricultural Bank of Sudan , Feisal Islamic Bank ,the Sudanese Islamic Bank ,the Saving and Development Bank, the Islamic Cooperative Bank , and the Farmer’s Bank for Investment and Rural Development. The study primary data were collected by means of use of structured interview schedules from a sample of 41 women bank loan recipients engaged in income generating projects in three locations in Khartoum State ,namely the cities of Khartoum, Khartoum-North, and Omdurman.The study revealed the presence of appositive association between educational and women access to formal credit supply institutions. Revealed also by the study is lack of due attention on the part of lending institutions to women credit supply needs . Prohibitive credit supply terms and lengthy procedures ( such as demand for substantial guarantees and elaborate credit application procedures) discourage women from seeking financial support from formal sources. The finance services do not incorporate adequate training ,and most of the loan recipients depend mainly on family members for training related to the operation of the financed projects. The available institutional training programs that are linked to the financed projects are notably weak, especially those provided by the agricultural extension service The study pointed to the importance of formulating viable governmental policies and programs for women development and their execution in a well coordinated manner with participation from all concerned institutions, especially the central Bank of Sudan and the technology Transfer and Extension Administrations. The study concluded that government should develop and enforce a decree that calls for assigning a sizable percentage of the funds available for loaning by formal finance institutions of support of women income-generating projects
Description: 2003
URI: http://khartoumspace.uofk.edu/handle/123456789/10364
Date: 2015-05-06


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