التمويل المصرفي الإسلامي للمشاريع الصغية و المتوسطة في ظل جائحة كورونا : بحث و دراسة لأهم صبغ التمويل

الملخص EN

This study aims to identify small and medium enterprises as the main and vital engine for achieving development, both economic and social, and thus highlighting their prominent and effective role, which is clearly manifested in their vital contribution to ensuring sustainable development, achieving economic diversification and improving the level of economic indicators by raising the gross domestic product.

And alleviating unemployment by creating jobs as well as providing for the needs of large institutions.

It is noted that most of the economies of developing and developed countries depend mainly on small and medium enterprises, and that any defect that affects these institutions will affect the economy as a whole.

And in light of the economic changes and developments that the world is witnessing, and with the outbreak of the Corona virus (Covid-19) that swept the whole world and had dire effects on the health sector, the economy and various areas of social life, as it paralyzed most economic sectors, which in turn greatly affected small and medium enterprises, It has become necessary to rethink ways to restore the state of balance, which made most governments in the world tend to support and finance small and medium enterprises by launching economic stimulus programs, strengthening them with various measures of fiscal incentives and financial aid for this sector.

with the advantages they contain that are not found in other traditional financing systems.

The study relied on methods that are in line with the nature of the subject, represented in the statistical approach with its two methods (descriptive and analytical), with the adoption of scientific research procedures in relation to the presentation of the phenomenon in question.

The study concluded that most, if not all, small and medium-sized enterprises suffer from the problem of obtaining the necessary financing to the extent that it is considered a major problem for these enterprises.

In order to bypass this, it has found its usefulness in Islamic finance, given that its formulas possess characteristics and features that prevent the existence of financing problems for this type of institution, with the advantages it contains that are not found in other conventional finance systems.

It is characterized by diversity and plurality; In addition to the many channels it provides, it achieves flexibility in choosing the appropriate formula, especially in light of crises, as is the case during the outbreak of the Corona pandemic.

with the advantages they contain that are not found in other traditional financing systems.

The study relied on methods that are in line with the nature of the subject, represented in the statistical approach with its two methods (descriptive and analytical), with the adoption of scientific research procedures in relation to the presentation of the phenomenon in question.

The study concluded that most, if not all, small and medium-sized enterprises suffer from the problem of obtaining the necessary financing to the extent that it is considered a major problem for these enterprises.

In order to bypass this, it has found its usefulness in Islamic finance, given that its formulas possess characteristics and features that prevent the existence of financing problems for this type of institution, with the advantages it contains that are not found in other conventional finance systems.

It is characterized by diversity and plurality; In addition to the many channels it provides, it achieves flexibility in choosing the appropriate formula, especially in light of crises, as is the case during the outbreak of the Corona pandemic.