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Abstract :In all countries a growing focus on financing lower income groups through

microfinance has developed during the last few years. The executing of this finance is aresponsibility of microfinance institutions (governmental organizations, non-governmentalorganizations and banks.

This research endeavors to study the strategy of microfinance risk management withapplication to Sudanese banks experience. In addition to the introduction it consist of foursections. Section one highlights the definition and the importance of small business andmicrofinance. Section two assess the experience of Sudanese banking sector in microfinanceand the main risks expose this sector during its provision of microfinance services. Sectionthree discuss the strategy of Sudanese banks to manage microfinance risks. Section fourpresent the conclusion of the research and its main findings and recommendations. Thefindings of the research indicated the weaknesses of Sudanese banking sector in microfinancedue to the inefficiency of the lower income groups in the selection and management of theprojects and the inadequate guarantees offered by them. This leads the central bank of Sudanto set strategy to promote microfinance. The main objectives of this strategy concerns with therisk management of microfinance, encouragement of microfinance group finance policy,establishment of banks specializes in microfinance as well as establishment of microfinancedepartments in all Sudanese banks.

Based on these results the research recommended with providing microfinance sectorwith training and consultancy services, the banks have to shift from financing throughMurabaha mode of finance to Musharka mode of finance, the government has to adoptpolicies which stimulated and promote social development sector.

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