التمويل الصغير في ظل تشدد القطاع المصرفي العراقي – التأثيرات ومحددات النمو

Abstract

The microfinance industry has developed well in recent years around the world, as a result of the international interest in this industry, which has proven its efficiency and effectiveness in combating poverty, unemployment, and the development of small enterprises in different countries.

   In Iraq, microfinance appeared in 2003 to help victims of war and violence, and help to support and stabilize insecure areas by the US Agency for International Development, and microfinance institutions in Iraq emerged as a reliable source of funding for low-income families, and entrepreneurs deprived of traditional banking services. Microfinance in Iraq has (12) Microfinance institutions in the form of non-governmental organizations operating in all governorates of Iraq.

   In spite of this, microfinance services in Iraq are still in the process of being started, and still have a lot to be able to exploit all their potentials. In particular, Iraq faces many challenges, due to the current economic and security situation, in addition to the small number of microfinance institutions, compared to some Arab countries. These institutions depend on foreign aid and grants, and most of these institutions belong to the private sector