التمويل الإسلامي للمؤسسات الصغيرة و المتوسطة في الجزائر : دراسة حالة مصرف السلام

الملخص EN

Through the research, we tried to highlight on Islamic finance for small and medium enterprises (SMEs) on which the authorities rely to achieve economic diversification and reduce dependency on the hydrocarbons sector.

However, these enterprises face many problems, primarily the problem of financing and the inability to repay loans and their benefits.

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This is why it is necessary to develop financing mechanisms that are not based on interest, but on the principle of profit sharing.

Al-Salam Bank-Algeria is an islamic bank which offers a variety of financing services to small and medium-sized enterprises.

We concluded through the research that the inability to pay loans and their interests was one of the most important reasons for the failure of many enterprises.

We also concluded that Al Salam Bank provides many financing formulas that are compatible with Islamic Sharia, and he has an important role in financing SMEs.

However, there are a number of challenges that must be resolved to ensure the success of these enterprises in achieving economic diversification.