Decentralized finance DeFi is a new and alternative opportunity for small and medium enterprises (SME) financing.

تركز هذه المقالة على التمويل اللامركزي (DeFi) كفرصة جديدة وبديلة لتمويل المؤسسات الصغيرة والمتوسطة (SMEs). يناقش البحث كيف أن DeFi، المعتمد على تقنيات مثل البلوكشين والعقود الذكية، يقدم حلاً لمشكلات التمويل التي تواجهها هذه المؤسسات، من خلال توفير سيولة عالية وسرعة في الوصول إلى التمويل وتقليل التكاليف التشغيلية. كما يشير إلى أن التمويل اللامركزي يمكن أن يسد الفجوة التمويلية المقدرة بـ 5 تريليون دولار، مما يجعله خيارًا جذابًا للمؤسسات الصغيرة والمتوسطة. يتناول النص أيضًا المخاطر والفرص التي يقدمها DeFi لصناعة التأمين وتأثيره على الأسواق المالية، بالإضافة إلى دور المؤسسات التعليمية والبحثية في تطوير هذا المجال. [Extracted from the article]

Through this study, we aim to shed light on a new market that has emerged recently, and is one of the fastest growing markets in the emerging technology market. It has the advantages of being based on blockchain technology and smart contracts, and knowing the possibility of being a new and alternative financial opportunity for financing small and medium enterprises that suffer from financing problems, as it is a market that enjoys high liquidity, and it also enjoys high speed of access to financing, and it reduces operating costs and other things. And in order to identify the above, the deductive approach was used with its tool of description to identify the various variables mentioned as new interests, and in the light of the study we concluded that decentralized financing is the new trend that enhances financial services, as well as provides many options for financing small and medium enterprises. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Economics & Finance (2437-0630) is the property of Association of Arab Universities and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)