عوامل الإعسار في صيغة السلم (دراسة ميدانية محلية الدلنج - ولاية جنوب كردفان)

Abstract

ABSTRACT This study aim’s to identify the volume of Non perfonnance Salam Formula Factor’s . To achieve this goal , the study used number of research methods. These are the descriptive and in addition to other tools questionnaires ,interviews, official documents and records of Central Bank of Sudan. In the fieldwork many types of sample were used, first for the farmers who have taken the loans and were unable to return it back, and second for investment debit in the banks which have provided the finance in the study area.(Agricultural Bank, Khartoum Bank and Saving &Development Bank).lastly the establishment & corporations which had relation. The study produced a number of result’s ,the most important results indicate that the Non performance Salam Formula was the war, which made fanners s involved this problem. The study show that there are many factors for Nonperformance Salam Formula , the first one of the customers who are using some of the finance for the personal needs, second are marketing risk and production and agricultural cost and the" debaters policy. The study show that solution must be by fallowing ,visits, technical, marketing and agricultural insurance.