القروض البنكية الممنوحة للاستثمار في الجزائر بين شروط الضمانات المطلوبة و دعم صندوق ضمان القروض (FGAR)‎ خلال الفترة (2004-2016)‎

Abstract EN

This study aims to highlight the relationship between the loans which are the most important aspects of investment in banks and the terms of guarantees required by the bank with the borrower.

The study explained the role of the Loan Guarantee Fund as the first financial instrument specialized in guaranteeing loans to small and medium enterprises and solving their financing problems, The biggest obstacle facing him as banks play their funds in the face of the lack of guarantees required.

The study showed that despite its positive results in helping small and medium enterprises in the establishment and expansion, the efforts exerted by the State are still below the required level to improve the investment sector in Algeria.

Therefore, the study recommended reforms in the national financial system as a whole and encouraging banks to adopt the best tools to promote the Algerian economy.