التحول الرقمي كأحد التوجهات الحديثة لتمويل المؤسسات الناشئة: الفرص والتحديات

نور الهدى   سطيفي; سعيدة   حركات

نور الهدى سطيفي جامعة أم البواقي، مخبر الابتكار والهندسة المالية، (الجزائر)
سعيدة حركات جامعة أم البواقي، مخبر الابتكار والهندسة المالية، (الجزائر)

Résumé

هدفت الدراسة إلى توضيح أهمية التحول الرقمي في تمويل المؤسسات الناشئة واستعراض أهم الفرص والتحديات في المجال، حيث تم الاعتماد على المنهج الوصفي بأسلوب تحليلي، لعرض وتحليل مختلف أساليب وآليات التمويل الرقمي كالتمويل الجماعي، الإقراض الند للند، التمويل الذكي، والحلول الهجينة، وتوضيح أهميتها في دعم المؤسسات الناشئة على تجاوز عوائق النموذج التقليدي عبر توفير نموذج رقمي مرن وشامل للتمويل. توصلت الدراسة إلى عدة نتائج أهمها وجود دور إيجابي وفعال للتحول الرقمي في تمويل المؤسسات الناشئة، غير أنه يواجه عدة تحديات أبرزها التحديات القانونية وضعف الثقافة المالية مما يضعف من تأثيره الإيجابي عليها.

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