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mmusnad@yahoo.com

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 Abstract :
In all countries a growing focus on financing lower income groups through
microfinance has developed during the last few years. The executing of this finance is a
responsibility of microfinance institutions (governmental organizations, non-governmental
organizations and banks.
This research endeavors to study the strategy of microfinance risk management with
application to Sudanese banks experience. In addition to the introduction it consist of four
sections. Section one highlights the definition and the importance of small business and
microfinance. Section two assess the experience of Sudanese banking sector in microfinance
and the main risks expose this sector during its provision of microfinance services. Section
three discuss the strategy of Sudanese banks to manage microfinance risks. Section four
present the conclusion of the research and its main findings and recommendations. The
findings of the research indicated the weaknesses of Sudanese banking sector in microfinance
due to the inefficiency of the lower income groups in the selection and management of the
projects and the inadequate guarantees offered by them. This leads the central bank of Sudan
to set strategy to promote microfinance. The main objectives of this strategy concerns with the
risk management of microfinance, encouragement of microfinance group finance policy,
establishment of banks specializes in microfinance as well as establishment of microfinance
departments in all Sudanese banks.
Based on these results the research recommended with providing microfinance sector
with training and consultancy services, the banks have to shift from financing through
Murabaha mode of finance to Musharka mode of finance, the government has to adopt
policies which stimulated and promote social development sector.

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4) htt//www.cbos.gov.sd/Arabic/policies/tamweleh 2008/htm

19