دور البنوك في استدامة تمويل المشروعات الصغرى لمعالجة الفقر المجتمعي : "دراسة حالة مجموعة من المصارف السودانية للفترة من2007-2012م"

الملخص EN

This research dealt with the role of banks in the sustainability of micro-finance projects to alleviate social poverty.

The research problem stems from inadequate utilization of the banks for the 12% that should be allocated for financing microfinance projects.

The most important objectives of the research include determining the role played by banks in financing microfinance projects in order to reduce poverty and unemployment; besides examining the reasons behind the reluctance of banks in granting full funding for these projects.

The research used the historical, deductive, inductive, and the statistical methods.

The research main findings indicated the reasons behind the reluctance of banks to utilize the 12% allocated for microfinance and set by the Central Bank of Sudan may be attributed to inadequate realized return; high cost of finance; and lack of banking culture among the clients of microfinance.

The research main recommendations call for raising the profit margin to cover the costs of follow up and risks of default of payment in order to encourage banks to increase the finance allocated for microfinance projects; in addition to more state's support through tax exemption.