University of Khartoum

دور التمويل الأصغر فى مساعدة الفقراءوتحسين احوالهم الاقتصادية والاجتماعية بولاية الخرطوم/السودان

دور التمويل الأصغر فى مساعدة الفقراءوتحسين احوالهم الاقتصادية والاجتماعية بولاية الخرطوم/السودان

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Title: دور التمويل الأصغر فى مساعدة الفقراءوتحسين احوالهم الاقتصادية والاجتماعية بولاية الخرطوم/السودان
Author: صالح, سميرة طه
Abstract: This study tackled the role of the micro-finance in assisting the poor and improving their economic and social conditions , and the study was conducted in Khartoum state during the period 2005 – 2015 ,and this study aimed at investigating the reality of the micro – financing and its programs in the area of the study , and to throw light on the positives and the manner of their development and the limitations which prevent getting benefit therefrom , and to continue working in terms of the conditions and procedures which facilitate the borrowing process for the beneficiaries , likewise it focuses on the impact of the finance on the economically active persons. To achieve these objectives the study adopted the descriptive / analytical approaches ,and through which the methods , tools and the quantitative and qualitative means were used for the data gathering and analysis , and this by designing a questionnaire form for a multi-stage sample consisting of 400 samples covering each of the Family Bank and the Social Development Corporation and comprised the areas of Khartoum state ,that were analysed through the frequency tables and the percentages ,and the study relied on the primary sources such as the interviews which were conducted with the managers and the officials in each of the Family Bank and the Social Development Corporation and the observation , and the secondary information were collected from the institutional sources of relevance to the subject matter of the study , and from the references ,reports , collegiate theses ,papers published in the internet and the working papers .The final findings of the study showed that the projects of most of the beneficiaries of the micro-financing are of commercial character and their aversion from the financing in the other activities (industrial / agricultural / occupational). Taxes , fees and trade licenses constitute a problem which impedes the success of the small undertakings ,and prevent the continuation in the work .Therefore the study found from thestatistical analysis that the financing opportunities have been available with the percentage of 97% for the literate segments (secondary/ collegiate/ post - graduate) ,while the financing opportunities for the uneducated ( illiterate) segments have been limited to a percentage of 3% .Among the salient recommendations of the study is the necessity for those in charge of the monetary and financial policies to pay attention to the financing and encouragement of the targeted categories for the engagement in the productive activities (industrial , agricultural , occupational and handicrafts) and to provide them with the production inputs considering that these activities are the spearhead in the development. Likewise it recommends necessity for the government to see to the amelioration of the conditions of the targeted persons through the alleviation of the burden from them through their exemption from the taxes, fees and the trade licences due to their limited financial capabilities . As well as paying care to the un-educated categories through the provision of the training opportunities for them ,raising their awareness and improving the condition ofall the targeted categories in respect of the training and capability building and also providing the market and its products through their assemblies
URI: http://khartoumspace.uofk.edu/123456789/24721


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