دور الكادر البشري في منح التمويل المصرفي بصيغة المشاركة
Abstract
رأس المال البشري من أهم المقومات التي يعتمد عليها الاقتصاد في كل بلد وفي كل قطر كما يقاس نموء كل دولة بمقدرة رأس مالها البشري في ادارة أعمالها، لذا يحاول هذا البحث جاهدا في اضافة اضاءات حول رأس المال البشري ودوره في منح التمويل المصرفي بصيغة المشاركة اذ تتميز هذه الصيغة بأنها تحتاج إلي قدر عالي من الدراية والتحوط في منحها لاعتمادها بدرجة كبيرة على الثقة التي يوليها مانح التمويل بمقدار اهلية طالب التمويل لها، اذ تمثلت مشكلة البحث في الاجابة على اسئلة مفادها ما هو أثر رأس المال البشري في منح التمويل بصيغة المشاركة، وماهي المهارات التي يجب توفرها في الكادر البشري لتدارك مخاطر التمويل بصيغة المشاركة وما مدى الاعتماد على الكادر البشري في تحليل طلبات التمويل بصيغة المشاركة، كما يهدف هذا البحث إلي التعريف بمفهوم رأس المال البشري والتعريف بالتمويل بصيغة المشاركة والتعرف على دور رأس المال البشري في منح التمويل بصيغة المشاركة ، اذ يفترض الباحث فرضيات للتوصل إلي النتائج منها وجود تأهيل للكادر البشري لعملية منح التمويل بصيغة المشاركة، كما يفترض الباحث ايضاً يعمل الكادر البشري على تحليل طلبات التمويل بصيغة المشاركة ،كما يتبع الباحث المنهج الوصفي لوصف أثر رأس المال البشري في منح التمويل بصيغة المشاركة ويتبع الباحث المنهج الاستقرائي لاستقراء فرضيات البحث والمنهج التحليلي لتحليل البيانات الاحصائية والمنهج التاريخي لعرض الدراسات ذات الصلة بموضوع البحث، ومن خلال التحليل والاستنتاج يتوصل الباحث إلي مضامين منها أن التمويل بصيغة المشاركة يعتمد اعتماداً كليا على قدرة ودراية الكادر البشري ومدى احاطته بالجوانب التي يعتمد عليها في منح التمويل بصيغة المشاركة كما يوصي الباحث بالاهتمام برأس المال البشري وتنميته والاستفادة منه وتعزيز دوره المهم في الاقتصاد الوطني والعالمي .
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