Microfinance provides financial and non-financial services to small businesses and aims to reduce poverty and contribute to economic development. It differs from other types of financing by being information-based, funding all or parts of business cycles, and providing financing tied to both customers and their activities. Microfinance institutions act as intermediaries between those with surplus income and those with deficits by pooling small savings amounts and providing larger loans. However, microfinance faces challenges including lack of legal frameworks, high taxes and costs, insufficient guarantees, weak project monitoring, and producers' issues with marketing and materials.

2. - Financial system
- MDGs & poverty
- Financial exclusion & financial inclusion
- Mf methodology

3.  The importance of the MF stems out from its
important roles in reduce poverty and
contribution to the economic and social
development operations

4.  Provide financial and non-financial
services for small projects sectors
 Increasing the participation of the small
sector in the national economy
 Increasing the income of the small
projects owners
 Contribution to reduce the problem of
unemployment
 Introduction of entities able to offer
these services continuously,

5.  What distinguishes the MF from the other
financial types?

6. 1-MF is an information-based financing
2-MF funds part of or the whole or more than one
project circle
3-The financing is given to both the customer and the
activity

7. Negative behaviors' infection is spreading
among the customers requiring an effective
decisiveness.
 Social relationships have an important role in
MF.
 MF is a development financing that change
positively the customers' behaviors for it
includes an educational process.

8. The financial institutions act as a financial
intermediary between the parties of
economic transactions

9.  The first party: the owners of the surplus:
they are those whose income is more than
their expenses

10.  The second party: the owners of the deficit:
they are those whose expense is more than
their income

11.  The financial institutions are considered the
best direction for realizing the two parties'
interests. This can be realized through
gathering the small amounts from savings
and deposits of the large numbers of surplus's
owners and offering them to with huge
amounts to the deficit's owners.

13. Money
market
Capital
market

14.  It is the market where short-term
transactions take place (less than a year). It
mainly concentrates on the transactions
related to debts and loans and the
commercial banks (deposits banks) are one of
the important institutions operate in this
market

15.  It is the market where the long-term
transactions take place (more than a year). It
mainly concentrates on the transactions
related to property rights (shares and bonds)
and the special banks (investment banks) are
one of the important institutions operating in
this market.

16. Break 5 min

18. strategic plans
The non-existence of an
administrative and legal
umbrella for the MF.
The high taxes‘
lack of information.

19.  the high of financing cost.
 un sufficient guarantees
 valid working license
 certificate for the operation site
 The smallness of the amount of money
 Weak follow-up to the financing projects due
to the lack of staff.
 The majority of banks' branches are
concentrated in the big cities

20.  The producers' failure to marketing
 The high cost of the raw materials
 Lack of the administrative aspects
experience