تقييم فعالية برامج التمويل بالقرض المصغر في دعم إنشاء المؤسسات الصغيرة والمتوسطة دراسة حالة الفرع الجهوي للوكالة الوطنية لتسيير القرض المصغر ) ANGEM ( –بسكرة- )3102- خلال الفترة ) 3102

Abstract

The aim of this research is to prepare and submit an evaluation study on the effectiveness of microcredit financing programs provided by the National Agency for Management of Microcredit. Regional Branch - Biskra – the regional branch Biskra during the period (2013 – 2017( in supporting the creation of small and medium enterprises; After collecting theoretical information about small and medium Foundation, and collecting Statistical data, we analyzed the most important services and programs provided by this section,and to determine their effectiveness in achieving the expected goals In terms of supporting the establishment of small and medium enterprises at the regional level, So this study found the following results: Services, financial support and accompaniment have not been successful in funding did not achieve the desired success, and to determine effectiveness, be through judgment in two periods:  The period from 2013-2015: Where the plans for the financing of 30,500 projects, and was funded 18621 projects with an amount of 2.980.078.996.98 DA by 61.05%, which is considered a good ratio;  The period from 2016-2017: this period was characterized by reduced funding capacity, And also for the results of the accompaniment were declining in these two years, and The reason for this decline was the deteriorating situation of the Algerian economy and he lack of financial resources aimed at financing the establishment of small and medium enterprises Is given to the youth group at a greater rate and reducing the unemployment rate at the regional level we judge these programs as ineffective, A financing plan has been programmed was estimated at 10,600 projects, but the actual funding included financing only 3838 projects with a value of 12,506,270,126 DA at a rate of 36.21% which is very weak. Keywords: Small and Medium Enterprises, Financing programs, microcredit accompaniment, The Regional Branch of the National Agency for Microcredit Management.