أثر استخدام الصيغ التمويلية في تطوير الانتاج في القطاع الزراعي السوداني دراسة حالة البنك الزراعي السوداني ولاية الخرطوم في الفترة 2002 - 2006

Abstract

.Abstract

The Subject of this Study based on the impact of using the finance formulas to develop the Sudanese Agriculture Sector. This research based on the Sudanese Agricultural Bank case in Khartoum, during the period 2002-2006. As the problem of the study represented in many finance obstacles including the insufficiency of necessary finance for the farmers during the agricultural seasons at the appropriate time , also the difficulties in payment and reasons of accumulated debts for the farmers in Sudan , and how far the Sudanese Agricultural Bank contribute for solving these problems. The importance of this research is to identify the most important segment in the society of Sudan which is the farmers are important segment in Sudan development and growth acceleration. And to know how far they benefit from the finance provided by the Agricultural Bank. The study aims to identify the sources, amount or size of finance directed to the Agricultural Sector and to figure out the actual problems of farmers and their determinate situation that connected to the finance.. The researcher has searched and investigated about the hypotheses through figuring out three presumptions are as follows: The first one: availability of the necessary finance for the farmers in ample time in order to assist for increasing the productivity, and the second: any increase in productivity leads to the farmers’ income out put. The third: the using of suitable finance formulas for agricultural activity will increase the economy feasibility and improve the farmer’s positions. Through the field study which was performed by the researcher concerning the community under searching, the researcher achieved numerous results, one of the most finance formulas in use in the 18 Sudanese agricultural bank is profit formula which is used when the agricultural finance is presented regarding the farmers category. As this formula the researcher proved a sufficiency compared with others formulas, this refers to many reasons represented in few risks, and easy in dealing with the customers, getting profitable for both (the bank and farmers) Known conditions and guarantees etc. The researcher putting out many executers, which are importance and assimilate in these: the important of a continuous training to workers of the agricultural bank of Sudan. And important of obligation of the bank to appliance law such as evaluation of profitable studies of dealers, and check of guarantees types to avoid poverty congener. Also the important of conferment appropriate finance to the farmers to increase the productivity and exportation.