1. “Fostering Small and Medium Size Enterprise (SME) Development in Qatar”
The development of SMEs is a particular focus of recent economic policy reform and the
larger sustainable development strategy in Qatar. This study examines access to finance for SMEs
in their startup phase and proposes alternative and more efficient frameworks to facilitate external
financing in Qatar. We begin with an extensive literature review to assess the larger business
environment and offer a baseline diagnosis of the major financing channels in Qatar. Through a
collaborative survey with Silatech, we investigate and analyze the nature, constraints, and
stakeholders involved in the local entrepreneurship ecosystem. Finally, we undertake qualitative
data gathering, primarily through interviews with various stakeholders including entrepreneurs,
financiers, business-owners, lawyers, and representatives of local support organizations.
Ultimately, we find that there is a considerable financing gap for entrepreneurs and SMEs largely
due to risk averse banking regulations and the absence of equity funding options. Moreover,
businesses face considerable bureaucracy in the registration process and numerous challenges in
complying with Qatari commercial laws. Major reforms that promote ease of access to finance and
streamline the incorporation process are needed to facilitate the success of startups and SMEs and
enable support organizations to cultivate entrepreneurship in Qatar.
‫عنصر‬ ‫المتوسطة‬‫و‬ ‫ة‬‫ر‬‫الصغي‬ ‫يع‬‫ر‬‫المشا‬ ‫تطوير‬ ‫يشكل‬‫االقتصادية‬ ‫السياسات‬ ‫إصالح‬ ‫من‬ ‫هام‬
‫التطور‬ ‫اتيجية‬‫ر‬‫است‬‫و‬‫في‬ ‫المستدام‬‫على‬ ‫البحث‬ ‫هذا‬ ‫يركز‬ .‫قطر‬‫امكا‬‫نية‬‫ال‬ ‫الى‬ ‫الوصول‬‫تمويل‬‫خ‬‫احل‬‫ر‬‫الم‬ ‫الل‬
‫ة‬‫ر‬‫الصغي‬ ‫يع‬‫ر‬‫للمشا‬ ‫االنشائبة‬،‫المتوسطة‬‫و‬‫ح‬‫ويقتر‬‫وفعالة‬ ‫بديلة‬ ‫نماذج‬‫على‬ ‫الحصول‬ ‫لتسهيل‬‫ت‬.‫جي‬‫خار‬ ‫مويل‬
‫نبدأ‬‫بد‬‫اسة‬‫ر‬‫م‬ّ‫لنقي‬ ‫الحالية‬ ‫االوضاع‬‫ال‬ ‫بيئة‬‫عمل‬‫ى‬‫الكبر‬‫ئي‬‫ر‬‫ال‬ ‫التمويل‬ ‫ات‬‫و‬‫لقن‬ ‫أساسي‬ ‫تشخيص‬ ‫ونقدم‬‫في‬ ‫سية‬
‫قطر‬.‫و‬‫عن‬‫لنجاحه‬ ‫ائق‬‫و‬‫الع‬ ،‫األعمال‬ ‫يادة‬‫ر‬ ‫بيئة‬ ‫طبيعة‬ ‫ونحلل‬ ‫نبحث‬ ،‫صلتك‬ ‫مع‬ ‫تعاوني‬ ‫استبيان‬ ‫يق‬‫ر‬‫ط‬‫ا‬،
.‫دعمها‬ ‫في‬ ‫المشاركة‬ ‫المنظمات‬‫و‬‫و‬‫المعنية‬ ‫اف‬‫ر‬‫باألط‬ ‫مقابالت‬ ‫يق‬‫ر‬‫ط‬ ‫عن‬ ‫نوعية‬ ‫بيانات‬ ‫بجمع‬ ‫نقوم‬ ،‫ا‬‫ر‬‫أخي‬
‫فيه‬ ‫بما‬‫ا‬‫اد‬‫و‬‫ر‬ :‫المحل‬ ‫المنظمات‬ ‫وممثلين‬ ،‫محامين‬ ،‫ممولين‬ ،‫األعمال‬‫يادة‬‫ر‬ ‫لدعم‬ ‫ية‬،‫باختصار‬ .‫األعمال‬
‫ائح‬‫و‬‫الل‬ ‫إلى‬ ‫أساسا‬ ‫ذلك‬ ‫ويرجع‬ ‫تمويلية‬ ‫فجوة‬ ‫اجهان‬‫و‬‫ي‬ ‫المتوسطة‬‫و‬ ‫ة‬‫ر‬‫الصغي‬ ‫يع‬‫ر‬‫المشا‬‫و‬ ‫األعمال‬ ‫اد‬‫و‬‫ر‬ ‫أن‬ ‫نجد‬
،‫باإلضافة‬ .‫األسهم‬ ‫تمويل‬ ‫ات‬‫ر‬‫خيا‬ ‫وغياب‬ ‫المخاطر‬ ‫تجنب‬ ‫تشجع‬ ‫التي‬ ‫فية‬‫ر‬‫المص‬‫ت‬‫يع‬‫ر‬‫المشا‬ ‫اجه‬‫و‬‫المحلي‬‫ه‬
‫وعدد‬ ‫التأسيس‬ ‫اءات‬‫ر‬‫ج‬‫ا‬‫و‬ ‫التسجيل‬ ‫في‬ ‫اطية‬‫ر‬‫بيروق‬‫من‬‫ال‬‫ام‬‫ز‬‫االلت‬ ‫في‬ ‫ائق‬‫و‬‫ع‬‫با‬‫ال‬ ‫ية‬‫ر‬‫التجا‬ ‫انين‬‫و‬‫لق‬.‫ية‬‫ر‬‫قط‬
‫الد‬ ‫المنظمات‬ ‫وتأييد‬ ‫المتوسطة‬‫و‬ ‫ة‬‫ر‬‫الصغي‬‫و‬ ‫الناشئة‬ ‫يع‬‫ر‬‫المشا‬ ‫نجاح‬ ‫لتمكين‬‫ا‬‫عمة‬‫في‬‫ا‬ ‫ح‬‫رو‬ ‫تنشئة‬‫ة‬‫ر‬‫لمباد‬

2. ‫يجب‬ ‫قطر‬ ‫في‬ ‫األعمال‬ ‫يادة‬‫ر‬‫و‬‫اء‬‫ر‬‫اج‬‫إصالحات‬‫اءات‬‫ر‬‫اإلج‬ ‫وتسهيل‬ ‫التمويل‬ ‫على‬ ‫الحصول‬ ‫تمكين‬ ‫بهدف‬
‫إلنشاء‬‫يع‬‫ر‬‫المشا‬‫ة‬‫ر‬‫الصغي‬‫المت‬‫و‬.‫وسطة‬