Microfinance Management and Its Impact on Small Projects in the Central Bank of Sudan

The questionnaire consists of four axes that address the effectiveness of policies and administrative procedures, financial and technical impact, social and empowerment impact, and monitoring, challenges, and sustainability in the context of microfinance. Each axis contains a set of statements that respondents are asked to evaluate using a five-point scale: Strongly Agree, Agree, Neutral, Disagree, and Strongly Disagree.

The publications of the Central Bank of Sudan contribute to facilitating access to finance for vulnerable groups.

There are sufficient centers to provide microfinance services in rural and remote areas.

The loan application models are simple and free from linguistic and legal complexity.

There is clear coordination between the Central Bank of Sudan and commercial banks to implement financing plans.

Microfinance employees possess the necessary skills to deal with project owners.

The criteria set by the bank for selecting funded projects are objective and fair.

The microfinance guarantee agency helps reduce the severity of banking collateral conditions.

The applicant is notified of the result of their application (acceptance or rejection) in a timely manner.

Financing has helped turn the project idea from a theoretical proposal into a practical reality.

Financing has enabled the purchase of raw materials in larger quantities and at competitive prices.

Financing has contributed to improving packaging and the final appearance of the product.

Financing has led to an increase in the project's market share compared to competitors.

The profits achieved from financing have helped repay previous debts of the project.

Using financing has reduced the percentage of waste or damage in the production process.

Financing has provided the necessary liquidity to face unexpected financial emergencies of the project.

Financing has contributed to improving the living standards (housing, health, education) of families.

The project has enhanced my social status in the local community after its success.

Financing has helped empower women and youth to manage independent resources.

Financing has encouraged family members to work together within the project.

The project has contributed to reducing migration from rural areas to cities in search of work.

The Central Bank of Sudan offers training programs in accounting and inventory management before granting financing.

The repayment mechanism (monthly, quarterly) is flexible and considers the capital cycle.

Having insurance on the loan/project is a necessary procedure to protect the employer.

Additional administrative fees have increased the actual cost of financing.

The constant fluctuations in exchange rates have led to an insufficient amount of required financing.

Success in microfinance helps in applying for larger future funding.

There is a clear system for submitting complaints in case of encountering a problem with the bank.

Microfinance contributes to integrating small projects into the formal economic sector.

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