دور المصارف الاسلامية في تمويل المشروعات الصغيرة والمتوسطة

Abstract

This research aims to identify the importance of small and medium enterprises, as they are one of the most important elements in achieving economic development in all countries of the world as they acquire the highest percentage among all types of economic projects of different sizes, The most important obstacles that face the owners of these projects in obtaining the required funding in accordance with Islamic law can be identified. To achieve the goal of the research, the descriptive and analytical approach was used. This research has reached a set of results, the most important of which are: Islamic finance is indeed considered one of the best available financing formulas, the most stable and flexible, as it provides the appropriate climate for the creation and growth of small and medium enterprises, which are the ideal solution to the problems of unemployment and poverty in Arab and Islamic countries. The research also recommends the necessity of innovating and developing new financing tools that are appropriate to the nature of small and medium enterprises, and it should be noted here that the Islamic formula is one of the best financing rates due to its lack of collision with the religious and cultural constants of society, and its importance in expanding the base of savings and investment necessary for the development of these projects.