University of Khartoum

الدور الإرشادي والتمويلي للبنك الزراعي السوداني في حل قضايا تمويل صغار مزارعي القطاع المروي الخاص بولاية الخرطوم

الدور الإرشادي والتمويلي للبنك الزراعي السوداني في حل قضايا تمويل صغار مزارعي القطاع المروي الخاص بولاية الخرطوم

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Title: الدور الإرشادي والتمويلي للبنك الزراعي السوداني في حل قضايا تمويل صغار مزارعي القطاع المروي الخاص بولاية الخرطوم
Author: ياجي, مني علي إبراهيم
Abstract: The present study was carried out to investigate the system of financing and extension which are practiced by Agricultural Bank of the Sudan with small farmers of irrigated sector in Khartoum state. To achieve the objectives of this study the researcher has used descriptive methods and a case study. The secondary data was collected from studies, researches, reports and information of the state Bank Branches and other relevant resources. The primary data was collected through surveillance in the study area during the year 2003 by means of questionnaire, observation and interview. The methods of the analysis were frequency distribution, correlation and multiple regressions. The study reached to many results and the most important of which are: -The role of Agricultural Bank of the Sudan in enlightening and orienting farmers about opportunities of financing and in informing them on the methods and uses of financing and guiding them to select the appropriate project were poor and unsatisfactory. -The Bank has participated in supporting farmers in obtaining inputs and providing financing timely during summer and winter cropping but the level of financing was not sufficient in the required level and it varied from one year to another. -The state extension administration did not participate in enlightening of farmers for financing purpose and also did not showing them methods of financing and its uses , as well as not guiding them for choosing the appropriate project for financing and not assisting them on obtaining finance . -Knowledge or apprehension of farmers about Islamic rules were scanty except murabaha. -Lack of awareness of farmers about the uses of financing and selection of the appropriate project or investment due to lack of cooperation between the bank extension and state extension administration in these rules. -The relation was inversely and significant between the Bank extension and state extension administration in the area of assisting farmers in obtaining inputs. -The cost of variables had a negative effect on crop production income for the years from 1995-2002 and its effect varied from year to the other, also the revenue variables had a strong positive effect on income production for the year 1995-2002 and it varied from year to another. The study is concluded by forwarding the following recommendations: - The Bank is advised to establish an extension unit specialized in extending extension over all its branches in the state. -Workshops should be held for learning farmers systems followed in Islamic finance. -Solving and removing of marketing problems which are faced by farmers loans. -To design and implement suitable colateral methods for guaranteeing the farmers. -Strengthening the relationship between the Bank, agricultural extension administration and research centers and creating a coordination mechanism between them. -Encouragement of studies concerned with the evaluation of crop production costing in the Bank Branches. .
Description: 2004
URI: http://khartoumspace.uofk.edu/handle/123456789/10772
Date: 2015-05-14


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