اثر الضمانت المصرفية علي التمويل الزراعي للجمعيات التعاونية في الفترة من 1987 -2000م : دراسة حالة البنك الزراعي السوداني

Abstract

Abstract The Agricultural Bank of Sudan is considered as the backbone of rural development as it promotes the agricultural sector. At the same time co-operative societies play an important role in human beings life. There is no doubt that banking guarantees are the most important factors that make the banking system successful because there is no other source to save and maintain money. The importance of this subject encouraged the researcher to pay attention to this topic. This research focuses on the study and evaluation of banking guarantees experienced by diverting co-operative societies in order to know the obstacles, which restiict the co-operative vital role. Also, it restricts finance of these co-operative societies in order to achieve the desired goals. The researcher has come out with the following assumptions: — ' 1- Banking guarantees are the main reasons that make banking and financial institutions neglect agricultural co-operative societies. 2- Banking guarantees obstacle develop finance and affect the banking system The weakness of guarantees leads to finance being invariable and hence this will have negative effects on the resources, a situation which negatively affects the agricultural finance to co-operative societies. _ The researcher has used the comprehensive system and the statistical method in the normative approach, as well as the historical deductive and comparative approach. This research concentrates on the importance and the concept of banking finance as well as banking guarantees. Also, it focuses on the purpose of evaluation and exploring the co-operative systems in terms of definition as well as economic and social impotence. Besides, it looks into the development and evaluation of cc-operative societies relating to the Agricultural Bank of Sudan. The researcher has come to the following main points, as conclusions: l- Banking guarantees obstacles development of finance. 2- It leads to a shortage in the capital of co-operative societies. The researcher recommends the following: - l-Sufficient fmance should be available for the co-operative societies 2.A fund should be allotted for agricultural co-operative societies. 3.Co-operative market crops should be created by Agricultural bank of Sudan in order to facilitate marketing, and to make the means of production available.