دور القروض (التي نفذتها مؤسسة اكاد بالتعاون مع الجمعية العربية للتأهيل) في تحقيق التمكين الاقتصادي للاشخاص ذوي الاعاقة ( من وجهة نظر المعاقين في محافظة بيت لحم )
| creativework.keywords | القروض , التمكين الاقتصادي | ar |
| dc.contributor.author | سناء يوسف محمد القرنه | ar |
| dc.contributor.author | sana yousif mohammed al qarnah | en |
| dc.date.accessioned | 2023-02-05T09:31:25Z | |
| dc.date.available | 2023-02-05T09:31:25Z | |
| dc.date.issued | 2020-06-08 | |
| dc.description.abstract | This study aimed to identify the role of loans implemented by the ACAD Foundation in cooperation with the Arab Rehabilitation Association achieve economic empowerment for persons with disabilities during the period 2018-2020 from the viewpoint of borrowers and the study community represented the groups that received loans from the ACAD lending institution in Bethlehem Governorate during the period from 2018 to 2020, the number is 60 beneficiaries . The researcher used the descriptive approach through studying the subject of the study by describing the phenomenon, explaining its elements and the factors which affects on the study. In addition to that, this study is based on the interview by considering the point of view of microfinance institutions, a group of lending specialists, and the questionnaire tool to get to know the point of view of the beneficiary groups with disabilities about the role of ACAD in economic empowerment. The researcher distributed his questionnaire to the social sample to reach the goals of the study, so that the results will be analyzed using statistical analysis programs (SPSS), in addition to literature review and relevant reports, also there has been consultation of the human resources of Acad foundation.Information has been collected through interviewing with Acad director and the staff of the Arab Society of Rehabilitation.Observation has been used through field visits to the targeted groups of borrowers. The results of the study have shown that the loans obtained by the respondents with disabilities from the ACAD Foundation in conjunction with the Arab Association have several positive impacts consisting of providing cash, developing the operational and financial capital of the project and developing administrative financial skills and making decisions. As On one hand the study has shown positive impacts, on the other hand the study has shown negative ones which consisting of the high interest rate, the inadequate grace period, and the limited availability of training opportunities for borrowers with disabilities in managing their projects.These are among the most important difficulties and problems that hinder the success of loans provided by the lending institution "ACAD" in cooperation with the Arab Rehabilitation Association to enable the most vulnerable groups and economically targeted group. The results have shown that there are statistically significant differences at the level of α ≤ 0.05 in the role of loans provided by the ACAD Foundation in cooperation with the Arab Rehabilitation Association in achieving economic empowerment for persons with disabilities from the point of view of the disabled in Bethlehem Governorate attributable to the gender variable and the differences in favor of males were higher than Female. And the presence of statistically significant differences at the level α ≤ 0.05 in the role of loans provided by the ACAD Foundation in cooperation with the Arab Rehabilitation Association in achieving economic empowerment for persons with disabilities from the point of view of the disabled in the Bethlehem Governorate attributable to the variable of degree of disability, in favor of the average disability. The results have also shown that there were no statistically significant differences at the level of α ≤ 0.05 in the role of loans provided by ACAD in cooperation with the Arab Rehabilitation Association in achieving economic empowerment for persons with disabilities from the point of view of the handicapped in the Bethlehem Governorate due to the variable of age, place of residence, educational attainment, type of disability and income level. The study has presented a set of recommendations.First the most prominent of which was the necessity for ACAD foundation to provide very small loans to train borrowers with disabilities on how to deal with their businesses. Second increasing the volume of loans and determine their value relatively to the venture capital and link them to the economic viability provided by borrower.Third reducing benefits of loans, in case the institution is not able to take this step, it must take other procedures such as to set plans and processes in order to assist borrowers with disabilities, for example plans that extends the grace period for longest possible time until the project reaches the stage of stability | en |
| dc.identifier.citation | القرنه، سناء يوسف. (2020). دور القروض (التي نفذتها مؤسسة اكاد بالتعاون مع الجمعية العربية للتأهيل) في تحقيق التمكين الاقتصادي للاشخاص ذوي الاعاقة ( من وجهة نظر المعاقين في محافظة بيت لحم ) [رسالة ماجستير منشورة، جامعة القدس، فلسطين]. المستودع الرقمي لجامعة القدس. https://arab- scholars.com/4ca8c9 | ar |
| dc.identifier.uri | https://dspace.alquds.edu/handle/20.500.12213/7862 | |
| dc.language.iso | ar | |
| dc.publisher | جامعة القدس | ar |
| dc.title | دور القروض (التي نفذتها مؤسسة اكاد بالتعاون مع الجمعية العربية للتأهيل) في تحقيق التمكين الاقتصادي للاشخاص ذوي الاعاقة ( من وجهة نظر المعاقين في محافظة بيت لحم ) | ar |
| dc.title | the role of loans implemented by the ACAD Foundation in cooperation with the Arab Rehabilitation Association achieve economic empowerment for persons with disabilities during the period 2018-2020 from the viewpoint of borrowers | en |
| dc.type | Thesis |