تمويل المشاريع المصغرة بصيغة القرض الحسن : دراسة حالة صندوق الزكاة سطيف (2004-2014)‎

Abstract EN

2014.

The need for micro-finance has recently emerged to solve the problems of financial deprivation (financial exclusion) that are more experienced by the poorer segments of society.

This type of microfinance is designed to help the economically active poor and provide charitable assistance as well as providing a social safety net.

It works to create charity to address extreme poverty and destitute through agencies to create and support microenterprises.

The various agencies created by the state are an ideal which are as a system for maintaining asset development, capacity-building and providing technical assistance to improve skills and develop human resources.

In addition to these agencies, we find Islamic financial institutions such as Zakat and Endowments Institutions.

Zakat has a social, economic and developmental role.

It works on the equitable distribution of wealth and financing of projects by exploiting Zakat funds and investing them as microfinance to create work, reduce unemployment and poverty and contribute to local development.

It has become one of the most important pillars of sustainable development.

In this paper, we highlight the role of the microfinance in financing micro-businesses in the Setif Wilaya during the period (2004-2014).