التمويل الإسلامي للمؤسسات الصغيرة والمتوسط ة -دراسة حالة :مصرف السلام فرع المسيلة
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Date
2024
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Abstract
The aim of the study was to shed light on the possibility of solving the problem of financing
small and medium enterprises in Algeria through the Islamic financing system. The Islamic
financing system is radically different from the traditional financing system based on interest
rates, which has been the cause of the failure of many institutions.
Through the study, we found that Al Salam Bank - Algiers-M'Sila provides many
financing formulas based on the provisions of Islamic Sharia, represented by Murabaha, Salam,
Musharakah, Mudaraba, Istisna'a, and financial leasing. These formulas are based on sharing
profits and losses, reducing the risk of bankruptcy for many enterprises. However, despite the
positive development in the financing provided by the bank, it remains limited to specific
formulas that guarantee the bank’s profitability, without taking the risk of financing enterprises
through participation formulas in agricultural projects and other high-risk projects.
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Keywords
conventional financing, Islamic financing, small and medium enterprises, participation, Murabaha.
Citation
جامعه مسيلة