Evaluation of Islamic microfinance in Sudan during 2000 - 2010

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<ul><li><p> 2011 18-20 </p><p> 2010-2000 </p><p>( ) </p><p>: </p><p> 00249912367949 :</p><p>2Tabuamona@sudanmail.net.sd </p><p>2Tabuamona65@yahoo.com2T 1432 2011 </p><p>mailto:abuamona@sudanmail.net.sdmailto:abuamona65@yahoo.com</p></li><li><p> : </p><p> ( ) 2010-2000 </p><p> . </p><p> : </p><p> . . </p><p>. </p><p> . </p><p> % 69 . </p><p> . </p></li><li><p>Abstract </p><p>This research is entitled Evaluating Islamic MF in Sudan during the period "2000-2010 case study Banking sectors &amp; Social Institutions. </p><p>There was a great concern about poverty rank since then, strategies have been set to increase income through the macroeconomic policies, and social financial policies. </p><p>The research tries to answer the questions: Did the government follow strategies to alleviate poverty in </p><p>Sudan? Did the governmental institutions supervise and participate to </p><p>arrive the target group? What is the role of central Bank of Sudan in adopting new </p><p>policies in MF? To what extend Banks have implement MF polices. The research adopted historical method case study, analytical </p><p>method. The research found that: The government has supported &amp; supervise the target group, </p><p>despite the absence of standard measurement in Sudan. The MF percentage is low, however, saving &amp; social </p><p>development Bank and family Bank are providing high percent finance from the total of MF. </p><p>Zakat chamber has spend a percentage of 69% to poor people in a form of cash and financing service, group projects. </p><p>The research recommends to: Develop MF services by activating social funds and establishing </p><p>ministry fro small projects and reducing MF revenue. Promote mobile banking and raise awareness of bank employees </p><p>and customers to the culture of MF. </p></li><li><p> . </p><p> 2007% 12% 10% 7% 5 . </p><p> . </p><p> . ( 2010-2000 : </p><p> ) </p><p> . : </p><p> . </p><p> : :. -1 -2. - 3 .- 4</p><p> . : -2000 : : </p><p>. 2010 </p></li><li><p> . </p><p> ( </p><p>) . </p><p>. ) 10 1996 ( </p><p>. </p><p> . </p><p>. : </p><p> . </p><p> . )8 2002 ( </p><p>- 1: </p><p> . - : 2</p><p> ). 15-10 25 ( : - 3</p><p> ) ( 25 ( . ).</p><p> : : </p><p> . 49 10 99 :-1 </p><p> . - 2</p><p> .) 14 2002 ( 10 </p></li><li><p> 1972: : 1976 </p><p> . . </p><p> . :</p><p> . </p><p> . </p><p> . </p><p> 1993. . </p><p> ( ). </p><p> . </p><p> : : </p><p> . </p><p> ( ) . </p><p> . </p><p>. )28 2003 ( ) 2006-1991 ( :</p><p> 1996. </p><p> . </p></li><li><p> . . </p><p>. . : </p><p> : -1 </p><p> .)11 2002( : -2</p><p> 25 .</p><p>: -3 . </p><p>: -4 </p><p> . .</p><p>: -5 . </p><p> ).12 2001( </p></li><li><p>) 2010-2007 : ( </p><p>% 12% 10% 7% 5 . 2010 2007</p><p> . </p><p> :- </p><p> -1 </p><p> . ) 1957 ( - 2</p><p>) 1975 ( .</p><p> -3 ). 2008 (</p><p> ( )- 4() </p><p> . ( - 5</p><p> .)6 2011 ) ( : . </p><p> . 2010 . </p><p> . : . </p><p> . </p><p>. </p></li><li><p> . </p><p> . </p><p>. </p><p>. 2010-2000 : </p><p>) 1 ( </p><p> 2010-2005 </p><p> 2010* 2009 2008 2007 2006 2005 1 T0F1 </p><p> 28 27.63 26.03 24.21 22.21 19.5 </p><p> 6 6.1 7.8 10.2 10 8.3 %</p><p> 1T1F2 8.4 7.2 8.1 14.4 11.2 14.9 1T2F3 2.5 2.17 2.01 2.19 2.32 2.37 ( /) </p><p> 4750 3704 3262.6 3059.2 2179 2421.2 2009- 2005 : </p><p> 2010 * ) :- 1 (</p><p>% 10.2% - 8.3 )1( 2007 2005 </p><p> . 2010</p><p> . 1</p><p> : 2 " 3</p><p>http://ar.wikipedia.org/wiki/%D8%A7%D9%82%D8%AA%D8%B5%D8%A7%D8%AFhttp://ar.wikipedia.org/wiki/%D8%A7%D9%82%D8%AA%D8%B5%D8%A7%D8%AF</p></li><li><p> 2010-2008 )2( </p><p> . .</p><p> )3( .2010-2008 2007-2005 </p><p> . 2007 )4(</p><p> 20102009. 2010</p><p> . )5(</p><p> . : : . </p><p> )2 ( </p><p> 2010-2005 </p><p> 2010 2009 2008 2007 2006 2005 9 8.61 8.44 8.03 8.2 7.6 </p><p> :- 1.8 1.99 4.29 4.47 3.4 2.9 </p><p> 3.7 3.04 3.11 2.87 2.7 2.5 :- 4.5 3.78 2.98 2.47 2.8 2.6 </p><p> 5 10.21 4.72 4.37 5.1 3.9 . 2010-2005 : </p></li><li><p> ) 3 (</p><p> 2010-2005 </p><p> 2010 2009 2008 2007 2006 2005 37.5 31.3 35.9 36.2 36.8 39.6 </p><p> 7.5 7.2 18.2 20.1 15.1 15.1 </p><p> 15.4 11.1 13.2 12.9 12.4 13.1 18.8 13.7 12.7 11.1 12.8 12.1 </p><p> 20.7 36.9 20 19.7 22.9 20.1 ) 2: (</p><p>) :- 3) ( 2 ( )1(</p><p> . 2010-2005 % 36.2 </p><p>%) 15.1 ( 2005 )2(. 2010 2008 </p><p> %. 13.9 % 10 )3(</p><p>% 13 . 2010-2005 . </p><p> )4( %. 13.5 . </p><p> )5( </p><p> %. 23.4 . </p><p> .</p><p> 2010-2000 : </p><p>% 27 % 38 </p></li><li><p>% 35 1999 </p><p> 2010 . </p><p> :- :- 1</p><p> . </p><p> . </p><p>- 2 </p><p> . : - 3</p><p> . </p><p>% 25 % 17 </p><p>% 8 . </p><p> . : - 4 </p><p> .</p><p> . </p></li><li><p> :- 5 </p><p> . : </p><p> . </p><p> . ( </p><p> ). 2010-2000 : </p><p>. ( ) - : 1</p><p> ( </p><p> ). 13500 - :2 </p><p> 2001 </p><p> . : - 3</p><p> ( ) </p><p> . ) 12-4 2006 ( </p><p> : </p><p> . </p></li><li><p> 2000-2010</p><p> . </p><p> . </p><p> . </p><p>: : 20102010--20002000 </p><p> . ( ) </p><p> . </p><p> . </p><p> . 2010- 2000 </p><p> . </p><p> . </p><p> ( ) . </p><p>-2000) 5) (4 ( ).13 2011 (2010</p></li><li><p>) 4 ( </p><p> 2006-2000 </p><p> 2006-2000 </p><p>) 5 ( </p><p> 2010-2007 </p><p> 2010-2007 </p><p>) : 5) (4 () ( ) 1 ( . 2006- 2000% %10 - 7</p><p> 2007 .</p><p> 2007) 2 ( .2010% 12</p><p> . (1) . (1)</p><p> 2006 2005 2004 2003 2002 2001 2000 </p><p> ( </p><p> 3) F )2 </p><p>7 7 10 10 10 10 10 </p><p>93 93 90 90 90 90 90 </p><p> 2010 2009 2008 2007 </p><p> ( </p><p>4) F )2 </p><p>12 12 12 12 </p><p>88 88 88 88 </p></li><li><p> 2010-2000 : ) 6 (</p><p> 2010-2000 </p><p>. 2004-2000) 1* ( . 12 2006) ,2 ( </p><p>. 2010-2007) 3( </p><p>) :- 6 ( )1(</p><p>% 12% 10% 7 . </p><p> .2000 )2(% 12 )3(</p><p> . %2 </p><p> )4( </p><p> . </p><p> 2.1 7 7.2 72655 2000 (o.9) 7 6.1 88997 2001 (5.6) 10 4.4 91430 2002 (5.6) 10 4.4 122930 2003 (5.4) 10 4.6 196429 2004 (6.4) 10 3.6 247391 2005 (6.9) 10 3.1 148614 2006 (10.7) 12 1.3 232240 2007 (10.4) 12 1.6 243164 2008 (10.4) 12 1.6 334900 2009</p><p>2010 449682 1.8 12 (10.2) </p></li><li><p> : </p><p> ) 7 ( </p><p> 2004-2000 : </p><p>) :- 7 () 1(</p><p>% . 64.6% %76.9 - 36.6% 18% - 4.4) 2(</p><p>10.5 . % 20012003% 1) 3(</p><p> % . 13.8% 58.6% 7.5 ) 4(</p><p>%. 2.3 2004 2000 % .9.8% 25.5%- 0.3 </p><p> - 1</p><p> . </p><p> . </p><p> . </p><p> . . </p><p> 2004 2003 2002 2001 2000 % % % % % </p><p> 65.38 3405 76.2 3461.4 76.9 2766 36.6 3999 68.2 4708.6 13.7 716.5 6.2 280.9 10.5 378.9 4.4 482 18.1 1247.3 1.2 64.4 1 45.6 7.5 270.9 58.6 6400 0.95 65.7 </p><p> 0.7 36.4 0 0 0 0 0 0 11.6 801 19 993.4 16.6 753.3 4.99 177.5 0.3 29.3 1.05 72.5 </p><p> 100 5215.7 100 4541.2 100 3593.3 100 10910.3 100 6895.1 </p></li><li><p> . </p><p> 1996 2 . 2007) 58 (</p><p> .% 75 - : </p><p> . - . - -</p><p> . -</p><p> . -</p><p> . - : </p><p> . - </p><p> . - :</p><p> . 10.000 </p><p> .)5 2010 ( </p></li><li><p> ) 8 (</p><p> 2010-2000 </p><p> . ) 7 ( : * ) :- 8 (</p><p>% . 21%-7 2005-2000) 1(% 50 2006 </p><p> . </p><p>%-29.6 )2010-2007() 2(% . 38.3</p><p>) 3( . </p><p>- 2 </p><p>. </p><p>/ </p><p> 7.8 5682 72655 2000 7 5865 88997 2001 5.4 6409 91430 2002 10.8 6636 122930 2003 10.8 21146 196429 2004 21 52000 247391 2005 49.8 74000 148614 2006 38.1 88400 232240 2007 36.4 88390 243164 2008 29.6 98847 334900 2009</p><p>2010 449682 127406 38.3 </p></li><li><p> . </p><p>. )4 2010 ( - </p><p>- . 1- . 2- . 3- . 4- . 5 - .6</p><p> _ : - . 1- . 2 . - 3</p><p> - : </p><p> .)5 2010( </p></li><li><p> - ) 9 (</p><p> 2010-2000 </p><p> )7 ( : </p><p>) 9 ( ) ( 2008 </p><p> 2010% 23 . </p><p> : </p><p> . </p><p>/ </p><p> 4.5 10900 243164 2008 19.2 64200 334900 20092010 449682 102400 22.8 </p></li><li><p> ( ) </p><p> . </p><p> . </p><p> : : </p><p> . 1980 </p><p> 1984 14 </p><p> 1986 </p><p> . 1990</p><p> 2001 . :- </p><p> )1 . </p><p> )2 . </p><p> )3 . </p><p> . )4 . )5 . )6</p><p> ( )7 ).4 2002</p><p> 2010-2000 : 2010-2000 </p><p> . </p><p> . </p><p> . </p></li><li><p> 2010-2000. ) . 11) (10 (</p><p>) 10 ( </p><p> 2010-2000 </p><p> 2010-2000 : ) 11 (</p><p> 2010-2000 </p><p> 3 0.6 16.2 25.3 9.9 45.0 2000 3.6 0.7 15.7 26.9 8.7 44.4 2001 3.9 0.7 14.6 32.2 9 39.6 2002 3.9 0.6 10.1 36.4 7.4 41.6 2003 3.7 0.6 8.5 35.2 6.8 45.2 2004 4.8 0.7 7.1 38.0 7.0 42.4 2005 4.7 0.7 5.6 42.3 7.1 39.6 2006 4.2 0.8 4.6 50 6.4 34 2007</p><p> 4.0 0.7 4.8 52.2 6.2 32.1 2008 3.4 0.7 5.1 52.3 5.4 33.1 2009 3.9 0.7 4.1 55.3 5.6 30.4 2010</p><p>). 10 : ( </p><p> / </p><p>53,616,00011,786,00030,087,00019,239,000682,0003,681,000119,091,000200059,718,00011,728,00036,189,00021,101,000931,0004,938,000134,605,027200162,571,00014,217,00050,878,00023,097,0001,075,0006,078,000157,916,031200279,825,00014,254,00069,938,00019,491,0001,085,0007,489,000192,082,0002003109,090,00016,501,00084,964,00020,567,0001,315,0008,974,000241,411,0002004115,120,40019,100,500103,074,00019,313,0001,963,20012,787,000271,358,1002005124,397,00022,295,000133,140,00017,554,0002,403,00014,695,000314,484,0002006121,368,84822,924,664178,407,26516,478,8332,745,12015,216,450357,141,2342007125,745,16624,431,368204,693,44918,680,3982,904,61315,608,277392,063,2712008147,256,38524,020,737232,985,01422,663,0073,275,24115,083,317445,283,7002009151,360,21627,982,549274,849,21120,422,1583,644,91519,179,089497,438,1382010</p></li><li><p>) :- 11) (10 ( % 45.2% 32.1) 1(</p><p> 2006 </p><p> . %) 38.9() 2(</p><p>% 9.9% 5.4 ( %7.2 . 2008 2007 </p><p> . )) 3 (</p><p> % 55.3% 25.3 . ( ) </p><p> ( %40.6 </p><p> )% 6.2%- 4.6) 4 (</p><p>( % 8.8 ). </p><p>% 0.8%0.6) 5 ( </p><p>% ( 0.7 ). </p><p>% 4.7% 3) 6(( % 3.9 . </p><p> ). </p><p> ) 12 (</p></li><li><p>) 12 ( </p><p> 2008-2004 2008 2007 2006 2005 2004 63 63.2 64 63 61 </p><p> 0.5 0.6 0.5 0.5 0.5 5 6.5 5 6 6 </p><p> 4 3.8 3 3 5 8.5 4.4 6 6 6 </p><p> 14.5 14.5 14.5 14.5 14.5 4.5 7 7 7 7 </p><p> 100 100 100 100 100 . 2008-2004 : </p><p> 2008-2004 ) 12 ( :- </p><p>% 63.2 61) 1 (% . 63 2006 </p><p> .2007 0.5) 2(% 6.5 5) 3(</p><p> 2004% 5 .2008% 4 </p><p> % .14.5) 4( 2007-2004% 7) 5(</p><p> . 2008% 4.5 2010-2000 : </p><p> 2010-2000 </p><p> . </p><p>. </p></li><li><p>) 13 ( </p><p> 2010-2000 </p><p> 2010-2000 : </p><p>) 14 ( </p><p> 2010-2000 </p><p>2000 47.5 1.2 18.2 1.2 0.0 17.5 14.4 2001 52.4 4.2 1.2 5.7 9.9 17.8 8.8 2002 54.4 5.1 0.8 2.9 9.6 17.5 9.7 2003 60.1 4.5 0.7 2.4 6.4 16.6 9.3 2004 60.8 5.1 0.4 4.2 4.8 17.2 7.5 2005 62.1 5.6 0.3 6.0 3.4 15.4 7.2 2006 64.5 3.8 0.3 4.9 2.6 16.2 7.7 2007 62.1 5.0 0.4 6.3 4.8 15 6.4 2008 66.9 3.6 0.3 5.0 4.0 15.0 5.2 2009 68.6 3.0 0.2 6.4 3.3 13.0 5.5 2010 69.1 2.7 0.3 5.7 2.4 15 0.0 </p><p> ). 13 : (</p><p>54,567,0001,405,0001,411,00020,878,000020,091,00016,554,000114,906,000 2000</p><p>64,290,0005,166,0001,449,0006,971,00012,196,00021,936,00010,784,000122,792,0002001</p><p>76,042,0007,098,0001,078,0003,998,00013,433,00024,392,00013,498,000139,539,5632002</p><p>96,624,0007,232,0001,140,0003,933,00010,213,00026,717,00014,973,000160,832,0002003</p><p>134,369,00011,359,000802,0009,321,00010,625,00038,126,00016,459,000221,061,0002004</p><p>154,646,00013,877,000862,00014,881,0008,541,00038,300,00018,004,000249,111,0002005</p><p>187,246,00011,170,000967,00014,331,0007,615,00046,823,00022,076,000290,228,0002006</p><p>204,689,11316,642,7231,188,06520,678,07315,869,45749,648,06421,038,381329,753,8762007</p><p>244,994,66713,276,304952,50418,492,17214,515,96754,951,59419,094,310366,277,5182008</p><p>293,802,17713,023,270972,93727,395,42814,284,88155,841,35623,044,999428,365,0482009</p><p>330,960,23212,976,3711,315,96927,495,29011,455,14472,099,59722,857,680479,161,7312010</p></li><li><p>) :- 14) (13 ( :)1(</p><p>% ( 60,8 % %69.1- 47.5 )</p><p> . % 5.6%- 1.2 ) 2(</p><p> %.4 </p><p>( 2000 % 1 ) 3( % )18.2 </p><p> . . %2.1 )12 (</p><p>% 6.2%-1.2 :) 4( . %%...</p></li></ul>

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