Abstract:
تهدؼ ىذه الدراسة إلى إلقاء الضوء على صيغ بسويل ابؼؤسسات الصغتَة وابؼتوسطة من خلاؿ عمليات
التمويل ابػارجي وقصد معرفة ىذا الدور تم اجراء ىذه الدراسة ببنك البركة فرع غرداية للفتًة ابؼمتدة من 2012
إلى 2019 للتطرؽ إلى بـتلف صيغ التمويل ابؼعتمدة من طرؼ البنك بؽذه ابؼؤسسات، والتي منها ابؼرابحة،
الإستصناع، بالإجارة، وذلك بالاعتماد على الوثائق ابؼقدمة من طرؼ البنك ابؼتضمنة ابغصيلة الإحصائية لصيغ
التمويل إضافة إلى إجراء مقابلة شفوية مع مسؤولي البنك بؼعابعة ابعوانب ابؼتعلقة بالدراسة، ومن بشة توصلنا إلى
أف يعتمد بنك البركة ابعزائري )وكالة غرداية( في بس ويلو للمؤسسات الصغتَة وابؼتوسطة على صيغة الاجا رة بنسبة
كبتَة نظرا لسهولة التعامل بها ووضوح تطبيقاتها ومردوديتها العالية مع قلة بـاطرىا، بالاضافة إلى ضرورة التخفيف
من الإجراءات الإدارية لسهولة ابغصوؿ على التمويل ابؼعتمد من طرؼ البنك و التوسيع من الصيغ ابؼختلفة
للتمويل من طرؼ البنك بععل خيارات متعددة للعملاءThis study aims to shed light on the financing formulas for small and medium enterprises through external financing operations and with the aim of knowing this role. This study was conducted at Al Baraka Bank, Ghardaia branch, for the period from 2012 to 2019 to address the various financing modes approved by the bank for these institutions, including murabahah. Istisna'a, leasing, as the latter is considered more suitable and flexible for modern or existing projects, and this is what led us to pose the problem of the study through the following main question: What is the role of leasing financing formulas in Al Baraka Bank (Ghardaia Agency) in the success of small and medium enterprises? The bank relied on the documents provided by the bank, including the statistical outcome of the financing formulas, in addition to an oral interview with bank officials to address the aspects related to the study, and from there we came to the conclusion that the Algerian Al Baraka Bank (Ghardaia Agency) in its financing of small and medium enterprises depends on the leasing formula at a large percentage. Due to the ease of dealing with them, the clarity of their applications, their high cost-effectiveness with their low risks, due to the increasing number of emerging small and medium-sized enterprises that require the availability of financial resources in this form to take advantage of their advantages and achieve a contribution to the national economy such as employment, increase in the gross domestic product or directly contribute to development The economic, as this study concluded with several recommendations, the most important of which is the need to reduce administrative procedures for easy access to financing approved by the bank and expand the various forms of financing by the bank to make multiple options for customers.
