دراسة تحليله لمشكلات تمويل المشروعات الصغيرة مع الإشارة لتجربة مصرف التنمية في درنة[An Analysis Study to the problems of financing small projects With reference to experience Libyan Development Bank in Darna city]

Despite the strategic importance of small projects in the development process in developing countries, including the Libyan economy, but they face many economic problems, administrative and organizational productivity, marketing and other problems related to lack of information, working to reduce their access to formal finance in general and banking in particular. Libyan Development Bank Branch Darna Try to financing small projects, but, faced many problems, most notably, routine and repetition of ideas projects proposed for funding and low lack creativity and marketing management skills of officials to manage projects and lack of coordination between the real and meaningful support institutions for small-scale projects and the lack of correlation Lending to small projects, training programmes, including working on improving their performance and reduce the risk of failure did not succeed, the finance small projects in creating a genuine development, the high incidence of default and lack of seriousness in fulfilling borrowers recruited him, and sought some borrowers to obtain funds through fraud and provide Invoices and forged documents to devise several ways to exploit legal loopholes, lack of safety instruments provided for the payment of installments by borrowers and these problems have led to the erosion of capital for lending led to a change in its funding , To ensure the continuation of the work necessary to support the Bank of Development Bank Branch Darna by granting loans for projects in small elements to raise the level of efficient performance, and forming committees to study the problem of bad loans and to diagnose those responsible for the continuation of this faltering and strengthening the role of the bank and granting greater powers of the branches to resolve such Problem, and recruitment of investment portfolios amounts deposited with commercial banks and investment companies for use in the areas of development and development projects, small and medium enterprises, reduce the cost of obtaining loans to loans, especially new graduates to help them to form projects that fit with the Academy of competences to reduce unemployment, the need to accelerate the establishment of an Credit Guarantee Fund OF Small And Very Small Enterprises To ensure the link between the banks and small projects, in view of the role of this institution in securing access for small enterprises to formal credit, to encourage the entry of small and medium enterprises in partnership with banks and governmental and non-governmental organizations and branches of large enterprises