معوقات التمويل الإسلامي للمشروعات الصغيرة و المتوسطة في الأردن

الملخص EN

The study aimed to investigate the Islamic Banks role in financing small and medium projects in Jordan.

And to investigate the barriers that Islamic banks face in financing these projects.

A self administrated questionnaire was used to collect the required data.

The study population consists of all employees in Islamic Banks in Jordan.

90 employees were randomly chosen from the targeted population.

Social statistical packaging system was used to analyze the data collected.

The study found that small and medium enterprises in general problems faced in obtaining the necessary finance to run and sustain their activities from traditional banks due to their inability to meet the banking requirements.

The study also found that there are obstacles that limit Islamic banks financing for small and medium projects related to banks themselves.

The study found that the administrative and marketing problems faced by small and medium enterprises are impediments before Islamic banks in financing these projects.

The studyrecommended that Islamic banks have to expand funding for small and medium projects to help these projects to get funding for operation and maintaining their activities as well as they have to develop the available financing modes and to invent new ways to e fit with small and medium projects.

And they are requested to develop strategy to provide small and medium projects with the needed experience to activate its activities and works.