أهم المشاکل التي تواجه توفير التمويل المصرفي للصناعات الصغيرة ومتناهية الصغر في مصر ومقترحات علاجها | ||||
| المجلة المصرية للدراسات التجارية | ||||
| Article 4, Volume 41, Issue 1, January 2017, Page 153-179 PDF (745.25 K) | ||||
| Document Type: المقالة الأصلية | ||||
| DOI: 10.21608/alat.2017.207662 | ||||
 View on SCiNiTO | ||||
| Authors | ||||
| عبد الفتاح عبد الرحمن1; إبراهيم حمدي شتا2; محمد شفيع إبراهيم محمد1 | ||||
| 1جامعة المنصورة | ||||
| 2جامعة المنصورنة | ||||
| Abstract | ||||
| Abstract This paper discusses the most important problems facing the banking finance for Egyptian Small and Micro Industries (SMIs) which are: Firstly, the demand side problems (SMIs) such as: (1) Most of the Egyptian SMIs are working in the informal economy. (2) Owners of the SMIs (especially youth and young entrepreneurs) do not have the necessary or the sufficient experience required for their business. (3) 2 The majority of the Egyptian SMIs are not qualified for getting banking finance. Secondly the supply side problems (Banks) such as: (1) The Egyptian banking system does not have efficient inistitutions or infrastructure. (2) High interest rates. (3) Lending the Egyptian SMIs involves higher costs and risks. Thirdly the Egyptian business environment’s problems such as: (1) Uncertainty about the Egyptian government's policies due to the absence of a specific economic vision. (2) Unavailable information about banking finance opportunities (3) The Egyptian financial sector suffers from ineffecicient legislative and institutional framework. This study finds some recommendations and policy implications such as: (1) Egyptian government has to play a vital and efficient role in: (1.1) Facilitating the banking finance for the Egyptian SMIs, (1.2) Supplying warranty to their loans, and (1.3) Providing suitable business environment for SMIs’ growth. (2) Encouraging the informal sector to be transformed and included into the formal sector. (3) Minimising the costs of SMIs’ transactions. (4) Improving the bankers’ awareness about the economic feasibility and importance of the banking finance for the SMIs. (5) Simplifying the market entry & exit rules and procedures. (6) Enhancing the entrepreneurship culture in Egypt. | ||||
| Keywords | ||||
| Keywords: Egypt; Small and Micro Industries; SMIs; Banking Finance; Business Environment in Egypt | ||||
| References | ||||
|
African Development Bank. 2006. Social Fund Development : Micro and Small Enterprises. Support Project , Appraisal Report , August. Egyptian Banking Institute. 2010/2009. Access to Finance , Forms of Finance for SMES in Egypt. SME Unit Publications , First Series. Egyptian Banking Institute. June 2013. Financing Small and Medium Enterprises , The Indian Experience. El-Mahdi, Alia. n.d. Mses Potentials and Success Determinants in Egypt 2003- 2004: special Reference To Gender Differentials . Research Report Series No.: 0418 (FEM 21-31) . El-said, Hala, and chahir zaki. 2013. what determines the access to finance of smes? Evidence from the egyptian case. The Economic Research Forum (ERF), working paper 752 , may. European Communities. 2006. Access to finance for SMEs of the North Africa region and the Middle East. Brussels: Expert group report , February. https://www.google.com.eg/search?q=access+to+finance%20+for+sme s+of+north+africa+region&cad=h. Saleh, Noha Ahmed Hassan. 2012. Inclusive Banking & Financial Literacy . Proceeding Of The Egyptian Banking Institute 3rd Research Competition ,The Egyptian Banking Institute . | ||||
|
Statistics Article View: 66 PDF Download: 133 |
||||
