القروض الإنتاجية الصغيرة ودورها في تحسين الأوضاع الاجتماعية والاقتصادية للمستفيدين في محافظة بيت لحم
مرام محمد يعقوب الحمامدة
Maram Muhammed Ya'qoyb al-Hamamda
This study aims at examining role of microcredit production loans in improving the economic and social circumstances of their recipients in Bethlehem District. It investigated the contribution of these microcredit production loans to improving the recipient's overall income, creating new opportunities for both the recipients and the others and improving recipients' own life quality. To achieve these purposes, the study was framed within the descriptive exploratory approach. A questionnaire was used to collect data of the study and was distributed to the population of the study consisting of recipients of the microcredit production loans residing in Bethlehem District. They were chosen randomly. Data of the study was processed using the SPSS. The study disclosed that microcredit production loans contribute to improving the recipients' own income with a high degree as they finance their project and solve the financial problems they encounter. The findings also revealed that Microcredit production loans help the recipients to get an opportunity to work with a low degree and raise their own knowledge in regard to the financial transactions. They also promote employment with a low degree as they help in creating new opportunities particularly for females and those unemployed labors. Finally, microcredit production loans contribute to improving recipients' life quality with a low degree. For instance, they became more interested in their own education as well their families', and thus microcredit production loans enables them to get better education possibilities. In the light of these findings, the study recommends conducting further studies to investigate the benefits of the microcredit production loans to exploit them better. In addition, it recommends increasing the recipients' awareness towards managing the projects they run properly and improving their skills. Finally, the study recommends credit institutions to review the loan policies, terms, guarantees and rate of interests so as to suit loan recipients' income.