دور مؤسسات الكفالة المصرفية: في حل مشكلة تمويل المشروعات الصغيرة

abstract The problem of the research linked to existence a number of economic , administrative , regulation, production and marketing problems facing small projects in the business environment. these problems prevent the small projects from access to bank financing, and to pay the banks to classify loans granted to these projects as high-risk loans, these comes despite the benefits of these projects, and the intense need for presence in developing countries. To solve this problem, it should search for the appropriate formulas and solutions to treatment these problems, particularly those that prevent them from access to bank financing. the aim of study is definite one of those formulas or solutions, for which the bank guarantee, through explanation and analysis the nature of the role of those institutions, mechanisms and the programs used by to ensure the loans to economically feasibility of small projects, to contribute in improve their chances of access to sources of official financing, by create an Empowerment environment help in alleviate the bias against small projects in the business environment, which place them at a disproportionate competitive position with large projects and make them receive less funding and facing the most difficult conditions . this study emphasizes that the role of those institutions is not confined to the financial side, but also to advance the field of training , research and development, to develop the skills , productivity Capabilities of business owners in the area of administration , management, marketing, finance, assist in the preparation of feasibility studies and technical assistance in the production process, finally the Study proposed a number of recommendations to support small projects in the Libyan economy, foremost of which claim to popularization the experience of banking institutions in all Libyan cities and urged the governmental and private banks to enter into partnership with those institutions, and work to improve the investment climate for the opportunity to provide incentives for projects to support small projects and action of trust between banks and small and medium projects through training courses , consulting relevant professional financial aspect of the managers of projects, and the need to utilization from international experience in the field of bank guarantee to formulate comprehensive strategies to encourage and finance small projects in Libya