دور القروض المصرفية في تمويل المشاريع الصغيرة الخاصة في محافظة بابل

Rp-The Role of Bank Loans in Financing Small Private Projects in Babil Governorate.pdf

This research aims to shed light on the importance of bank loans in financing small projects, considering that bank financing represents one of the important functions performed by government or private banks, through providing bank loans to existing or under-construction small projects. Therefore, this research sought to know the importance of financing small projects and identify the nature of these projects, and also identify the role of banks in financing them. In order to reach the results of the study, a hypothetical diagram was designed to explain the nature of the relationship between bank loans in its three dimensions(Ioan size,interest rate,and ioan term), and small projects in their three dimensions Also,(project size,progect nature,and project profitability)Serval hypotheses were also built to know the nature and direction of the relationship between bank loans and small projects. The questionnaire was relied upon as a main tool for collecting data from the study sample, as the sample consisted of a group of beneficiaries of loans granted to them by the government and private banking sector in Babil Governorate, numbering (88) individuals. The study relied on statistical analysis using a set of methods available in statistical programs (27. SPSS and the Arabic Processor for Social Statistics (v1.0. APSS ) . The most important conclusions reached by the researcher are that supporting the owners of these projects by granting them loans contributes to the development and improvement of these projects. Financing also contributes to supporting the capabilities of unemployed individuals or job seekers and self-reliance in creating job opportunities for them, in line with their qualifications and desires, instead of relying on public employment in the government sector. The research recommended the necessity of meeting the requirements of these projects by increasing the time period for lending and increasing the amount of loans granted, reducing interest rates imposed on these loans, as well as reducing the lending conditions and the ceiling of the requirements for lending conditions.