تقييم متطلبات إقامة المشروعات الصغيرة والمتوسطة وأثرها على قرارات تمويلها من المصارف الإسلامية الكويتية

Abstract

Small and medium businesses contribute significantly to economic growth. Governments are working to encourage the establishment of more small and medium enterprises, and funding for the establishment of these projects depends on several requirements from financing institutions. This study aims to identify the impact of the requirements for establishing new small and medium enterprises by Kuwaiti Islamic banks. The problem of the study revolves around the low acceptance of financing requests for small and medium enterprises, which is due to the high ceiling of requirements by Kuwaiti Islamic banks. Hence, this study aims to assess the level of internal requirements for establishing small and medium enterprises and their impact on financing these projects by Kuwaiti Islamic banks. This study focuses on four main requirements: the economic feasibility study, the provision of guarantees, the types of products, and the necessary experience from the founders. This study followed the descriptive and analytical approach. The questionnaire tool was used in this study to collect data from a sample of 200 employees. The sample for this study was collected from six Kuwaiti Islamic banks. In processing the data emanating from the field studies of the sample community, the researcher relied on the statistical program for the social sciences. SPSS, so statistical methods were used to analyze measures of central tendency, descriptive statistics, Cronbach's alpha test, linear regression analysis, and simple linear regression analysis.The result of this study confirmed that the contents of the economic feasibility study help in obtaining financing from the Islamic bank. There is also a statistically significant impact of the requirements for establishing small and medium enterprises from the economic feasibility study, the guarantees provided, the types of products and the experiences of project owners on the decisions to finance these projects from Islamic banks in Kuwait. This study recommends that Kuwaiti Islamic banks pay attention to small and medium enterprises' economic feasibility studies to determine the possibility of their success in the future and reduce the guarantees required for their financing by these banks. Keywords: small and medium enterprises - feasibility study - types of products - guarantees provided - financing decisions - Islamic banks - Kuwait.