دراسة الجدوى الاقتصادية فى المصارف الخاصة السورية ومدى التزامها بالسياسات التنموية: دراسة تحليلية مقارنة بين المصارف التقليدية والمصارف الإسلامية

الموضوعات

اقتصاد

روابط وملفات

التعريف والنوع

رقم الوثيقة

fd88793a-7f24-433c-9188-6b6360c40842

رقم العقد

0

نوع الوسائط

Crawler

نوع المحتوى

الرسائل العلمية

صيغة المصدر

رسائل ماجيستير

نوع الملف

pdf text

أسماء الملفات

1959183_1.pdf

بيانات النشر

ترجمة العنوان

Feasibility in the Syrian Private Banks and Its Commitment to Development Policies: Comparative and Analytical Study Between Conventional and Islamic Banks

ألقاب المؤلفين

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اللغة

Arabic

المصدر والدورية

اسم المصدر

دراسة الجدوى الاقتصادية فى المصارف الخاصة السورية ومدى التزامها بالسياسات التنموية: دراسة تحليلية مقارنة بين المصارف التقليدية والمصارف الإسلامية

المحتوى والصفحات

عدد الصفحات

0

ترجمة الملخص

This study aims at highlighting the extent at which Syrian private banks adhere to developmental policies by comparing the volume of their credits to different economic activities. It also investigates to what level they are usingthe economic feasibility study when decidingto grant credit and highlighting the differences, if any ,between conventional and Islamic banks. The research population covers all Syrian private banks; conventional and Islamic It relies on the analytical method to understand the reality of private banks’ funding of economic activities through data obtained from private banks’ annual reports and the publications of the Central Bank. This research applies the inductive method ,using questionnaire and interview tools ,to infer how private banks behave regarding credit decision making and the extent of their reliance on economic feasibility study indicators. The results of the questionnaire and the equality of means’test were obtained using SPSS .The most important findings of the study are that traditional and Islamic banks are equal in ratios of financing directed to the industrial and commercial sectors. However, there are differences in the real estate and agriculture sectors, where the ratio of Islamic banks exceeded traditional banks in the real estate sector and in the agricultural sector the traditional ones outperformed. It is also found that the credits offered by traditional banks to the real production sector were higher than those of Islamic banks. This study also finds that both types of banks are considering marketing and technical feasibilities at the minimum limits when studying the file of the client while the interest in financial feasibility is at a very high level. However,both banksdo not show any interest in the national or environmental aspects. The main recommendation of this study is that the Money and Credit Council should issue a resolution obliging private banks to add additional criteria when granting credit facilities. One criterion should address the developmental aspects, such as salaries, wages, value and added value. Also, environmental and national aspects should be considered in the feasibility study when granting credits. In addition, one additional criterion could be put in place to prevent private banks from granting credit facilities to projects with environmental damage. The Money and Credit Council should also encourage Islamic banks to change their facilities structure to give more emphasis to the agricultural sector instead of the real estate sector .This will have a significant developmental impact and compact speculation in the real estate sector.

إشراف وإعداد

الإشراف

ســــليـمان موصــــلي

الإعداد

مـحمـد الأرنـاؤوط الشــهـير بالرومــلي

الاقتباسات الببليوغرافية