تمويل البنوك الإسلامية للمؤسسات الصغيرة والمتوسطة - دراسة حالة بنك البركة الجزائري ولاية البليدة

Abstract

Small and medium enterprises play important and key roles in economic development strategies in most countries of the world, providing job opportunities, making investment costs low and maximizing the use of local materials, and contributing in satisfying the needs of some of the large-scale industries, both in raw materials or providing them the services. Finance is considered to be one of the significant obstacles. The owners of these enterprises are generally neither craftsmen nor professionals, they don’t have sufficient fund to enable them establish their enterprises such getting loans. The method of Islamic Finance System plays important roles in the economies of developing and developed countries alike. Countries facing problems of unemployment, poverty, and development issues often are aided by this system as this method includes the use of available funds into the real projects (which is not achieved by other conventional methods in which the funds are used in the needs other than those projects for which the funding wasmade). Keywords: Islamic Banks, Small and medium Enterprises, Islamic Finance