دور مؤسسات التمويل في تنمية المشروعات الصغيرة بالتطبيق علي مصرف الادخار والتنمية الاجتماعية

Abstract

Abstract The study discuss the problem of lack of finance for the small scale project and abstention of the different financing institution, whether banks or financing companies to finance such project, which services large sectors of society, as it characterize by several characteristic that able them to perfomi sufficient role in attainment of the social and economic development, if they find the support and solution for the problem that hinder them. The study aimed to identify the role ofthis project in alleviation of the poverty intensity and consequent attainment of the social and economic development through the knowledge of the rules and regulation of finance. Identify of the problems of financing the small-scale projects by the financing institutions through the study of many projects, which the bank of saving and social development, the case study, financial it, after the ministry of social welfare and women and child affairs handed over the bank, the bank services become available for the all, its objectives expanded and, the bank begum to concentrate on the poor strata of the society , which have the ability of the work but seeking for finance , such as (farmer , small producer , technicians , graduates , women , student and pensions ) Individually or associations and societies .by provision small-scale projects of soft Conditions that suit their abilities and economic and social situation and consequently provide good income source. The study assumed that the financing policy for the bank of saving and social development is directed the poor strata of the society to provide the financial and technical support, and presenting financing had participated in the development of the financed projects. The study depend on the basic and secondary data, which obtained from number of references , periodicals and work papers , and reviear of many previous studies which discuss the experience of several banks concerning the finance of small-scale projects. The study used the questioners (50 questioners) as means fore data collection. The data dealing with finance benefiaries, their activities, the adopted procedure of the bank, however the attained objectives are still less than expected. the small—scale projects don’t attain their supposed role in the development , because of the problems and difficulties regard the lack of finance , which represent the main» suspicion that hinder the increasement the implemented projects and including of more rather than the problems of duties imposed by the govemment . So, the solve of these problems is quiet enough to achieve tangible projects which my participate directly in the development of the sma1l- scale projects, which reflects on the poor strata of society and improve the financial and social situations of the benefiaries to achieve the comprehensive development.