تجربة البنوك في تمويل الانشطة النسوية في السودان

Abstract

ABSTRACT The purpose of this study is to explore the size, types and nature of financing by the banking system, for the women projects and activities, in the period 1993-1998. Likewise. it aimed at exposing the terms and conditions for granting credit by the banks for financing purposes. The study also delved into the position of the women projects and activities vis-a vis the financing policy of the Central Bank. For this purpose, (7) banks were selected as a cluster sample, in accordzmce with the nature of each bank. Thuse, banks were classified as indusirial agricultural, cooperative, estate, social and commercial, etc. For data collection, primary sources and secondary sources were consulted. The primary sources included a questionnaires designed a group of women beneficiaries of banking financing. ' 2”" ‘ The data collected accordingly, were analyzed by using the statistical packages for social sciences (SPSS). . i The study proved that the savings Bank for Social Development is the prime financier of the largest number of womens projects, with (50%) of the total projects and activities. Next to it, comes the Sudanese Islamic Bank with (19%), the banks which activities in the realm did not exceed (15%) Most of this financing (i.e. 60%) had been directed to financing tailoring and poultry production activities. As for the size of financing, the study exposed that the Agricultural Bank of the Sudan (ABS) ranked first, followed by the Savings Bank, the Sudanese Islamic Bank. El Nilein Industrial Development Bank, the Islamic Development Bank, the Estates Bank and El-Gharb Islamic Bank. * M eanwhilc. the profits margins reached (3 8%), (37%), (25%) and 24%) for El- Nilein Industrial Development Bank, the Agricultural Bank of Sudan, the Estates Bank and Savings and Industrial Development Bank, respectively. Yet, inspite of the fact that these banks are State-owned, and specialized banks, they were supposed to gain lesser rations of profits than the other banks. The period granted by these banks for financing the projects ranged between 4 month and a year. This period may not be suitable for the nature of the women s projects.