دور صيغ التمويل في انشاء وتطوير المؤسسات الصغيرة والمتوسطة

Abstract

The challenge facing the countries of the world is to work towards comprehensive development that takes into account the need to preserve the environment and biodiversity, and therefore the efforts of all actors in society must be combined Small and medium enterprises play a role in modern economies because of the characteristics and features that enable them to adapt to environmental changes, which helped them to establish their existence as an effective mechanism for economic development. However, the SME sector, especially in developing countries, continues to suffer from several obstacles which have hindered the development of this sector. The main obstacles to financing are due to the conditions imposed by commercial banks. This has led economists to seek a solution to solve this problem by creating formulas And methods by Islamic banks to solve this problem as researcher Miller, in addition to the keenness of Islamic finance to link the balances of funds and real stocks, and to refuse to consider money as assets in themselves and Islamic financing formats have characteristics and features that prevent the existence of funding problems for institutions Jealousy and medium, including the advantages contained therein are not found in other conventional finance systems are characterized by diversity and plurality, there are ways of financing based on donations and charity, and methods of financing based on the posts.