واقع التمويل في الصناعات الفلسطينية

This study has discussed funding issue in Industry factors in cities the basic core to develop old industries and build new ones. In conclusion this leads to enlarge production base, to help in having the needs of local market and also in creating industry base, which is capable to produce huge production and exports. This study has limited the obstacles that face funding in the Palestinian industry factor in the practical application. This could be achieved by limiting the relationship between industrial institution and funding institution especially the percentages of industrial funding, the guarantees that are needed, the capacity of such industries to have them. In addition, it discusses the difficulty of lending from commercial banks and other lending institutions. This study showed the shortage in industry funding percentages from commercial banks, (the most important source) which provides % from the whole facilities given the industry. It also showed the little participants of the specialized lending institutions that don't aim for profits comparing to financial institutions like banks. This share is only 3.5from the whole recent lending average and so the role of these institutions in meeting the needs is very little. The evaluations of international bank in 1999showed that west bank and Gaza strip suffer from funding gab. And so these institutions cover21.2% from the needed funding seekers and especially concerning the little funding. And it has also been noticed that1.35%fromthewhole expenditures from the international fund goes to industry's development and 5.33% goes to production in the industrial factor. In contrast the shares of the insurance projects through shares and sharing in some related projects. And it has also been noticed the little role of money-market in industrial funding, such fact comes from the pre cautions of the funding institution to give funds for the following reasons: the political conditions especially instability of the future, the difficulty of having guarantees because of the back of the needed scraps, lack of financial awareness which refers to little experience in this fields the lack of specialized institutions to fund industry. In addition most Palestinian Deposits are invested abroad. For all the above-mentioned reasons self-funding hascontrolled capital or the industrial institutions. It resulted shortage in the finding comparing to industry's need, which has been evaluated according the needed capitals about 63% till 2000, the funding of the loans about 11%ofthePalestinian establishing capitals according to the industrial search in 1997. In order to achieve such facts, the researcher has done reach work on arbitrary sample from 44 businessmen working in industry as indicative sample. He made a questionnaire aimed to knee their problems in funding and their finding tend and their capacities to give the needed guarantees and the alternatives to the industrial funding. to be sure of the obstacles he depended 011 studies and Publications and also surveys of the central system of Palestinian static and the ministry of industry and the results of this study.Using ANOV A analysis there were no difference of statically indications in the level of 5% between middle term and long-term funds. And when testing the relationship between the percentages of donor institutions, there are no differences at statically indications in the needed funding percentages and the funding institutions, as are sultthe owners of manufactories should be distinguish those institutions, Concerning the relation between the kinds of industrial activities and the needed funded it has been noticed after analyzing the results that there arc also no differences in the level 5% between findings percentages and industrial activity and that refers to the need of needed funding percentages, As a result most fund goes to the important operations (activities). To solve funding issue we should determine the rote of all related parties, which are owners of industry, financial institutions, and governmental institutions, The role of industry owners should be concentrated 011 establishing research and consultation industrial institution ill order to limit the inability to give guarantees. uncorporation between some industrial institutions, It should also establish public limited company for similar industries in order to reduce costs and increase profits, The role or funding institution needs to work III social responsibility because gain is not the only goal.It should also increase the recent funding percentage, reduction of guarantees and focusing 011 the economical benefit of each project. Establishing industrial institutions and announce 1()I" individuals to share in them, to polarize foreign capitals. And no doubts than banks have more capacity than individuals to achieve these goals through their communications, and lastly establishing comprehensive banks that give financial and economical consultations. The importance of government's role is to plan and decide developmental economical plans, by establishing large industrial institutions that need huge capital and announce subscription. Then by gradual withdrawal from these projects after they have achieved success, we could solve the issue of needed guarantee, through establishing public limited company to guarantee loans, and establishing industrial growth bank which gives long and middle term funding, and also participates in preparing plans related to industry.