دور عقود البيع الإسلامية في تمويل المؤسسات الصغيرة و المتوسطة : دراسة حالة البركة الجزائري

Abstract EN

The purpose of the study is to clarify the role of various Islamic sales contracts in financing small and medium enterprises, with reference to the experience of Al Baraka Bank of Algeria.

This type of Islamic financing has many advantages due to the various forms of financing it provides to small and medium-sized enterprises that are commensurate with their characteristics, such as murabahah sales, salam sales, Istisna'a, and leasing.

These financing formulas combine economic efficiency with high efficiency in allocating resources without risk.

It meets the financing needs of these institutions without high interest and onerous guarantees, which encourages attracting investors, especially young ones.

It was concluded that Al Baraka Bank of Algeria is broadly interested in the trade sector and neglects other vital sectors.

It relies heavily on financing small and medium enterprises on the sale of murabahah and salam, as well as leasing, while its reliance on the sale of Istisna'a is almost non-existent.

This reduces the developmental role of this bank, which is mainly represented in supporting and financing productive investments.