تنويع الدعم الحكومي في الجزائر على ضوء تجربة التمويل غير الربحي المصغر ببنك التسليف السعودي

Abstract

This research dealt with the issue of the importance of activating in Algeria the non-profit microfinance mechanism according to the public loan mechanism in order to diversify and rationalize government support in the light of analyzing the experience of the Saudi Credit Bank, by providing the bank's products for non-profit microfinance aimed at individuals, and analyzing the statistics for the past five years, it was found that there is a significant contribution to the financial products provided in helping needy groups to meet their basic needs: such as supporting the purchasing power of families, facilitating marriage, Maintaining homes and sponsoring widows and divorced women, and it turns out that it is an experiment that can be applied in Algeria due to the convergence of the economic structure of the two countries. Therefore, the research proposes the establishment of a public authority in Algeria for the interest-free loan as a practical mechanism for the localization of non-profit microfinance; its products are mainly intended to finance the necessary needs of the poor, and its main resource is oil export earnings. So that non-profit microfinance contributes develop the poor's sense of belonging to the country, and facilitating the process of their gradual integration into social and economic life, for the benefit of the individual and society and the Algerian economy.