واقع التمويل الإسلامي المصغر في المؤسسات الصغيرة - دراسة تجارب عينة مختارة من الدول

Abstract

The overall objective of this study is to introduce the Islamic microfinance as a financial alternative to the owners of small businesses with low- income that are economically active and have the necessary skills but they suffer from financial problems to launch their own activities. Among the key questions that this study tends to discuss is: what is the reality of t he Islamic banks’ adoption of the microfinance as a financial tool that tends to help small businesses? The aim behind such an endeavor is t o cast light on a new way of economic understanding and analysis that lies at the heart of the experience of Islamic microfinance and its leading role in financing the small businesses through adopting the descriptive analytics approach of research. In add ition, there has been an attempt to stress the relations and the common aspects between the microfinance and the Islamic finance. To reach our end, we have started highlighting the role of the small businesses in achieving development. Then, we have tried to come up with a new field embodied in the Islamic microfinance by applying the microfinance to the Islamic finance. After that, we have moved to show the different micro financial ways provided by the Islamic banks. Finally, we have put a scientific approach incarnated in diagnosing the reality of applying the Islamic microfinance to the different economic systems to derive some instructions in the interest of economic welfare. One of the most important findings is that the diagnosis of the reality of Islamic banks providing microfinance services proves that this type of financing is able to treat the financial problems of the small businesses due to its effectiveness in increasing the number of beneficiaries and in helping them to get out of the vicious cycle of poverty by means of income- generating activities.