Description And Analysis Of The Role Of The Agricultural Bank In Financing Small And Medium Enterprises In The Province Of Babylon For The Period (2005 – 2020)

Abstract

      The study aims to shed light on the agricultural bank as an independent variable and how it affects the dependent variables represented by small and medium enterprises, as an applied research in the Cooperative Agricultural Bank / Babylon branch based on the data received in the bank during the research period. The study also seeks to give a clear picture of the reality and role of the bank .The importance of the research emanates from analyzing the role of the Agricultural Bank / Babylon branch in its financing of small and medium projects that contribute to solving economic and social problems, worth to mention the problem of unemployment that the governorate faces and improves the standard of living of the individual, especially if it is given the appropriate support and addresses the funding obstacles it faces. The research problem is summarized in the following main question (Is there a role for the Agricultural Bank - Babylon branch in supporting small and medium enterprises in the governorate?), under the hypothesis (that the Agricultural Bank of Babylon branch has a positive role in supporting small and medium enterprises in the governorate) hence the Agricultural Bank / Babylon branch was chosen as a sample for research Based on the objective of the study during the period (2005-2020), which reached a set of conclusions, the most important of which is (the hypothesis of the study proved that the agricultural bank has an effective role in granting loans to its applicants, which positively affects the support of small and medium enterprises in Babylon Governorate), but there is a decline by the owners of these projects use the loan amounts in the specified place, as for the most prominent recommendations (that the Agricultural Bank put in place a correct and effective mechanism for disbursing the amounts of these loans by dividing them into several stages that correspond to the stages of establishing, developing or operating agricultural projects or developing livestock and thus ensuring that the borrower implements the development projects to which these loans are directed.