الائتمان المصرفي وأثره على الإنتاجية في الاقتصاد التشادي (دراسة تطبيقية على مصرف شاري التجاري بالمقارنة مع مجموع المصارف التجارية العاملة بتشاد للفترة من (2001 /2008)

هدفت الدراسة إلى التعرف على مدى مساهمة مصرف شاري التجاري في إنتاجية الاقتصاد التشادي عبر الائتمان الذي يقدمه، التعرف على مدى مساهمة المصارف التجارية العاملة في تشاد ودورها في إنتاجية الاقتصاد التشادي عبر الائتمان الذي تقدمه، وأيضاً التعرف على نسبة مساهمة ائتمان مصرف شاري التجاري في إنتاجية الاقتصاد التشادي من إجمالي مساهمة المصارف التجارية مجتمعة في الاقتصاد التشادي. استخدمت الدراسة المنهج القياسي باستخدام معادلة خط الانحدار البسيط في قياس مساهمة إنتاجية كل من ائتمان مصرف شاري التجاري وإجمالي الائتمان المصرفي في الاقتصاد التشادي خلال الفترة من 2001 وحتى 2008م. أهم ما توصلت إليه الدراسة من نتائج: أظهرت النتائج أن للائتمان المصرفي أهمية كبيرة للمساهمة في إنتاجية اقتصاديات الدول، حيث يمكن الاعتماد عليه في رفع معدلات التنمية الاقتصادية، وجود علاقة إيجابية ذات دلالة إحصائية بين الائتمان الذي يمنحه مصرف شاري التجاري والدخل القومي لدولة تشاد. أثبتت النتائج أن مصرف شاري التجاري يساهم مساهمة فعالة في الإنتاجية في الاقتصاد التشادي حيث وصلت نسبة مساهمته في الائتمان المصرفي 16% من إجمالي الائتمان المصرفي الممنوح بتشاد. الكلمات المفتاحية: الائتمان المصري، الإنتاجية، الاقتصاد، التشادي.

This study aimed to investigate the extent to which Chari Commercial Bank contributed to the productivity of the Chadian economy through its credit, to identify the contribution of the commercial banks operating in Chad and their role in the productivity of the Chadian economy through their credit and also to identify the contribution of Chari Commercial Bank in the productivity of Chadian economy and total contribution of commercial banks in Chadian economy. Problem of the study: The problem of the study was to confirm the effectiveness of commercial banks in their contribution to finance projects and productivity in the Chadian economy, also to know the importance and effectiveness of commercial banks in the Chadian society. Can it be relied upon commercial banks to finance development to contribute to productivity in the Chadian economy? Researcher method: the researcher used mathematical method to calculate the compound growth rates of credit of Chari Commercial Bank, total bank credit and the national income of Chad during the period 2001-2008. Researcher also used the standard approach using the simple regression line equation to measure the contribution of both the Chari Commercial Bank and the total bank credit in Chadian economy. Findings: The results showed that bank credit is of great importance to contribute to the productivity of the economies of countries, so it can be relied upon to raise the rates of economic development. There is also positive relationship between the credit granted by the Chari Commercial Bank and the national income of Chad. The results proved that Chari Commercial Bank contributes effectively to productivity in the Chadian economy, where its contribution to bank credit reached 16% of total bank credit granted in Chad. Keywords: bank credit, productivity, Chadian economy.This study aimed to investigate the extent to which Chari Commercial Bank contributed to the productivity of the Chadian economy through its credit, to identify the contribution of the commercial banks operating in Chad and their role in the productivity of the Chadian economy through their credit and also to identify the contribution of Chari Commercial Bank in the productivity of Chadian economy and total contribution of commercial banks in Chadian economy. Problem of the study: The problem of the study was to confirm the effectiveness of commercial banks in their contribution to finance projects and productivity in the Chadian economy, also to know the importance and effectiveness of commercial banks in the Chadian society. Can it be relied upon commercial banks to finance development to contribute to productivity in the Chadian economy? Researcher method: the researcher used mathematical method to calculate the compound growth rates of credit of Chari Commercial Bank, total bank credit and the national income of Chad during the period 2001-2008. Researcher also used the standard approach using the simple regression line equation to measure the contribution of both the Chari Commercial Bank and the total bank credit in Chadian economy. Findings: The results showed that bank credit is of great importance to contribute to the productivity of the economies of countries, so it can be relied upon to raise the rates of economic development. There is also positive relationship between the credit granted by the Chari Commercial Bank and the national income of Chad. The results proved that Chari Commercial Bank contributes effectively to productivity in the Chadian economy, where its contribution to bank credit reached 16% of total bank credit granted in Chad. Keywords: bank credit, productivity, Chadian economy.