إزاي تجيب تمويل لشركتك في مصر؟

 
في ثالث حلقات نقاش الـ SMEs Summit بعنوان Who's Backing SMEs? Inside Egypt's Support Ecosystem، اتكلمنا مع ممثلين عن جهات دعم وتمويل مختلفة عن أنواع الدعم المتاحة للشركات الصغيرة والمتوسطة في مصر، من تمويل بنكي واستثمار مباشر وبرامج الشركات الكبرى ومنتجات الـ Fintech.

الحلقة بتناقش حجم مساهمة الـ SMEs في الاقتصاد المصري، والفجوة اللي لسه موجودة في التمويل والوعي بمصادر التمويل والمنتجات المتاحة لرواد الأعمال وأصحاب المشروعات الصغيرة، وإزاي منظومة الدعم (Support Ecosystem) في مصر ممكن تساعد المشروعات الناشئة على النمو.

المتحدثون في البانل:

Samar Mesalam، Head of Mezzanine and Co Finance MSMEDA
Ayman el Sawy، Founder & CEO of Bokra
Dr. Maged Ghoneima، Managing Partner and Co-Founder of M Empire Angels
Fady Kamel، Co-Founder & CEO at Gramz
Amr ElAbassy، General Manager - EdVentures
Eman AlMadani، Director, SME Products management and commercialization at Mastercard

أبرز المحاور:

أنواع الدعم والتمويل المتاح للـ SMEs في مصر
التمويل البنكي والاستثمار المباشر ومنتجات الـ Fintech
حجم مساهمة الشركات الصغيرة والمتوسطة في الاقتصاد المصري
الفجوة في التمويل والوعي بمصادر التمويل المتاحة

تابعونا على صفحات الـ SMEs Summit، واستنوا النسخة التانية من قمة الشركات الصغيرة والمتوسطة.

Transcript

Copy Transcript Copied

افتتاح وتقديم المتحدثين

SPEAKER_00 0:27

Inside Egypt's support ecosystem, the Lanatara Fali for Paneligaya. The panel is powered by MasterCard. I would like to invite on stage Ms. Somar Massallam, head of Ms. Finance of Ms. Middle. Let's see a round of applause, please. Munkin, please, a round of applause. Mr. Ayman Slawi, founder and CEO of Bukram, Mr. Amril Abesi, General Manager at Ventures, Ms. Emin Il Madani, Director SME Products Management at MasterCard, Dr. Meget Ghunima, managing partner and co-founder of M Empire Angels. And finally, Mr. Feidi Kemil, co-founder and CEO of Grams. Thank you.

مراحل التمويل من الفكرة للنمو

SPEAKER_01 4:52

Mal Getel Manhattan, market research to Bengaz CSE, Alasana Notlook Bernemer Korrivan, Taboel Bernemek Midfil Musta Defameno, Mustra Musta Defameno, Hel Mostroat, El Michel early stage, Zeta Nemo Steria, Of Marcal Nemo fill maravil potential, uh Halian feature kitten lay a tenetamulet of Lidea, Tennessee Mah list is more Bachel Yani K Mel Alaton Kotur may stuff the alamelke october or church the actor or equity actor, platinum, quasi equity, had a high neat software most, what it at demlu tamil beshatlium, who had omit made up Doraca facilitator machine to recommend a deal small menu associated Tamole Mostrafeo Nil Bunuk, and Etna Nature rest on distribute restroat.

SPEAKER_05 7:58

Big SME starter ficret. Wa didin Marhalat Telta, you ruha Marhalted Dettawel, A Lot and Luat, Sowa Minel Binook, Will Marhala Raba Leba, Lehea is door, adawated meal, Zeis and a data tauri, our cook, our commercial paper, would le Marhala Raba, Lehale skillability. What am I desral a fire, no menanois at the muil lowers and a dear ros in melon muhotur, the mwili sheriffet ill in nash. Hudul fellus with file body. Alaska Fafad book and Nana Aru Halan or Hal Raba, Elhe, is dar awaited Tamil Algertahlidea, Menhilel, Suil Med, Zay is Sukupus and a deal lost more. Sennell, as Dorna Hawelli, Teleta Milliar Gini, Le Sheritum Sherikatil Tamwil Tamwil Microfinance with SME lending, Elitma with Sherikat Sahira Olmutovaseta. For an eight mukem milieu, but a camelna, Wahale and fee is the Ned and Kunfields the road for Haduda Nash or Millior, Atisma Rai B Shahrid and Hagar Rokham Mabakibir, Awikamsa Millior, Useva Millor Tariban Fahritesa, Bordo Sheriket as Sahira Ulmutovasitta.

دور التمويل الأصغر في التوسع

SPEAKER_05 11:26

Fage Udur Bukra Tedzil Marhal. Tabaldu Dorbukro in Teha Antil Hadideh, Le Wafar Wafarna Tamwil Sheriket, El Sahira Ulmutovas Sitter, Min Khilel Manasid Bukro, Elhna Atlachmaha, Fishar Sit Telfet, Min Chilel et Temwil Elicitab Minal Afroad. And Maharda Hilelil Fatra Lifet Dachal Halli Ash or telefami, Ishtaru Fey Suk, Amen, Ellehea De Khalit, Ma Willit, Masharia As Sahira Ul Mutovasita, Faatahne, Illistusmore, Litemwil, and Mashwaat As Sahira Walmut. Hey, Divosabuske. And Ice Bus uh I will have a Soyora or Shunma Hutcha doctor, and I will we had a still in mismade to must. Who can it fatheet?

SPEAKER_06 14:12

Sarah Fathe and Noskiti.

SPEAKER_05 14:15

I will wait for Gumuriat Musala, Google it yeah. Saraha and it forget Wow will still my nestoral and a share to Rayu, Harry, Nehne Falan, and if he minute Dowler, we ness willing enormous, Sarira or Mut Sutta, it the Hadil Akbar in the Listerta Willis Mbucharfinum.

SPEAKER_06 15:29

Ay

المدفوعات الرقمية والبيانات والذكاء الاصطناعي

SPEAKER_06 15:30

Shirk betat microfinance, SME financing, Mahomud Ashani Maul, or Zif to Kedai. Tai International Prospective, says uh I mean uh experience gbire ewfat, mashwat, fi, uh, multinational, the mastercard from Mastercard, Mastercard, Li kto l SMEs, ma'am.

SPEAKER_02 16:22

Um so ijabatan ala soha lekamryom il SMEs Lazalo Ywajhu Mashakil minnahiat uh challenges out tahadiat ilyom biwajuhua alas and no ikbarfil business ilyom, ytower aktar, yamil revenue ala. Uh fa'na min jihat mastercard uh shufna added kibir minil tahadiat ilyom twa jah l SMEs uh ilyom and kef ilyom hue it was social media, kef yani uhitfa' alyom, uh how to get paid, uh access al capital, our financing, zaymat fadaltu. Uh keman digital is one of the main aspects l SMEs, keman ashanyin jahawa it ta'war akter. Fa m'tamil ashia alishifnaha min nahiet il payments, l'payments ilyom laisat fakat cart, yani ilyom ana andi um addat masharia u addat SMI u addat kitaat l- SMI mutana wa, bsekil kibir, fa' hasabitana wa u hasab yani haj ma sharika, ahaina yitla alikul sharika l-hani, yani, analyom andi sharikat shhira, micro, mutawasutta, kulma kabart fil business kul mazad en dakil eħtijajj. Fa' ahnalyom fi mastercard, shifna ishadil ilhtija jat, u kif nikdan nihdimha, u kif nikdan yani, n we calibrate ma l-partners deel fentex, zeel binuk, sharikat tamwil, ashan nidamil SMEs, we enable them. Tabalyom l SME bin nisbalu, lamenit killam alamuduwa payment. Uh, tabanfi en dana SME in store, lyom adom mahalat, tijaria, fi e-commerce, wo filaha ttia jat mwa yena keman, fal SMI hababi twasa, kefil SM lyom mitwasav lal l payments uhlyom l- SME yibra yikbarya niliomana andi SMI mojutfi masr, tabdishma abbi a barra masr keman. Fa'ana ahtaj, lyom solution, tsahedni in yana akbaru amel more revenue. Fahadi uh il challenges matalan, il na shufnaha keman, annu akyanin yijidoun sahuba fihasur al finance, uhul finance, leish la anulyom mafi data kafiya, thalini ana, adam wwawil il esemilyo, walakim befodla digital journey, wal AI solution, elyom ahnna nikdar nesta feed minute data, elilyom mo juda andina, and we can leverage keman on l AI modeling, patin nutardini, scoring lima iman, amr inun shoof, ahnan nikdar nakrod, amr nikdar nakrod iman, pakum tabiy at amalo, tabiat shoglul payments, sadadil fawatir, halhuwa multezim, mush multezm, fasarfi uh trust uh uh credit worthiness lil amalahadhi pathan no ahnanakrad uh winmawaliani.

SPEAKER_06 19:24

Bada etinaha tisma lil SMEs, ta' vatiagatum, twor, what the m eel value will added value benizbeleck, lamanta tatamadala, alhalo technology lana bad dim hela, t deak credit history, t deak uh database tardema, fit taamul mag hatemulmuk.

SPEAKER_02 19:42

Sahehou bel eva failadalik yani ehna, yani wasan na ila marhala, andalla nafiha eight persona, ilhiya themania anwa aminel SMEs, metalan ndeel exporter, and deal entrepreneur, andi methalan el farmer, andi l FMCG, Fakul Had ilha ehtyya jatal khasa. Fakul etiaj, ahn amal nalu designed program, matalan uh special offers ala debit card, credit card, multi-currency solution, yan in shove mumkin ash solution, metal installment plans, la no, tarif mushkelat il yoml SMEs, ala al cash flow, yihtaju daiman uh mushkelat cash, pa yihtaju credit facility, yihtaju financing. Fahaina ehna uhidorna, uh through our partners, keman elihel bnuk, sharikata mwilia, u keman il AI data um modeling, and then at a podat ma sharikat, beheit and we can collaborate and no and shoof me l Afutal uh SME uh nikdan ne mawillu, how come uju the data lihna and what the AI Kiman?

SPEAKER_06 20:49

Interesting. Type uh Dr. Megad. Yeah, get the name of good Mahadakan. Dr. Megad and the Hadratak experience background, mashallah very uh specialized, very unique, and academic background, deep tech technology knowledge and experience and small angel investor fund here.

صفات المؤسس التي يراها المستثمر

SPEAKER_03 22:00

Founders napsum. Fantama lasum bussal founders door, ill background bataito me, experience beta, amleze, uh shirkadi webdahu, is a kandesa viptidu, uh already better, hello coderina ala y kotbaruha, andu home skills al Motluba, wukaman, la hassal eye no amen in motobot, ude akid hayasa. Halhomma heba anduhum el skillzil motluba alachen, yeta yetamlumal hagad diwala, fajikula haget muemmawi, bimbusifia al founders. Fa muemmawana busa al founder reyarhamed, uh lesemwana bataamal my founder, kulinafil echaros benetal. Fana yemini uhfil founder, and know founder Yibandu, kudra, alal istema, in nohoa yetal La will founder dawat Mandusha Akit Mesha Hoshema. La will founder dawa Dimehhu nashfa, um sommema le frayu, umish mustaid the isma, Borgum Shadra Hoshema. Fa Muemegid the No Eba Kodra, I know Andu Khudra Ala Listemia, Wukudra, Ala in Nohua Yata Fehham we Rayar Wahakas. Rakomitnian, Muemi Andi El Suth. All right, is a kena andi had Bihabi Bama Lumet be uh be Ryer Fahet, Mishabia and Dina Logatefeh, Mogud. Badab, be eating skills in Muhtarifella Mugud of A founder Mogud, Elhaba Azimatek had de Bahandu Musabra, uh musum and nohoa, Yusalil Hadaf Betao, Mishhaine Muhawar, Ala Kulil Waseel, Waikabat Arakulib, El Rayat Lemma, Ilhagal Fid Megu, Awil Milestone Iligay, Yit Ha'a. Shoh Seyib, Aulari Dynamic, Agile. In the hard Bastard Beshtad Batariah, is Rufid Gayarat Fil Ard, Aruhagaiar Le Tari Atani. Feekida skills SSA Muguda, Mohim and Nechan Shufa, Fey Had the Bia Kud, Shirka, Sahira, Sawa can it startup SME, Sawakan Shirka, Sahira, our Shirka, and Nashia Technologia, hey and skills nefsa. But Sikulu had be started business model, Elbi Nas of Taba Malhagaloa Bianca.

SPEAKER_06 24:17

And I could fala now, gozeal had fickret our entrepreneur, we mindset l business owner be run, is him he, our mashwa so here.

SPEAKER_03 24:54

But I think that's a very important thing. Taber bin Akala bin Nesili Shala, SMEs, would you haga M Shhagawasha? In the shochan risk uh appetite betato bib elish way. Fedema an either shokh mandush a risk in the kitchen, fear risk. But he had the messenger and beh with risk Tamanyam and Ashra, they have startups, and Nesel Hiap Tech Sitaminashra, Sabah Nashra, Debbie Bagaliban and SME. We may zop the Kalimna founders, let me Kalim Kaman investors.

التكنولوجيا لرفع الإنتاجية وتقليل الهدر

SPEAKER_03 27:16

Next, may fashion a role private equity, may fashion a rua lee, um the Ulariha SME Octa. Moho Hay or Fuddha Lee, Le Nisus Bitato, a Sheriketilho be lower Ariha, Meheyesh Sheriket Bitatil SMEs. Type healthiness mo goodness uh Fia and Dina Magmua M Sherikat ilena Michael Ulariha, Walahaya SME, walaheya startup, Ubnor Nechtaraya startup or a SME. Hey a kalib a sheriket il SMEs il behawlui the kello technology beonf ala shen better makenu machine ala hotelinear kidder I think you not to not tawah al hot. Fabiamilwe be estechedimu technologies beyond yeh del step. Yibadema anemas and a bosanma, betal mana and yi kutut in tag tukli daya, la then a hadak fiya kim technologies mon gouda, ha hot to fiya image recognition, ha hushifia product tracing, ha hushia hot to fiakimit haget edikida, alashen other a hassan il productivity ptati will efficiency wa elil waste. A rohabusa bad the kid that then has takhdem and goa ERP, wa hakopala kalemdem AI, alashen yi befia and the internal drag goa shirka, other nana a hassan il productivity ptati shirk. Other anana a hush azow the customer experience batati, but lideye, wandi cool center idea, has takdem uh products kitira gidden the shirk kit tactful masaran, alashen and huma, yedoro, yi uh bandi twenty-four seven uh customer experience team behushima. And a kida amalte, uh could shagel, berate mwayam, but suliana amaltu and how to nana reartif unit economics betat. But rotable sita wana is they order as a wood pricing betatish way, with their order and little expenses betatish way.

SPEAKER_06 29:15

Time, Fedi, Tomas Silba Ganable Ocher, Sirika, but experience of Tata Megala Investmental Finance, Ubadin, Hapto Linta Ass uh Grams, can it very supportive leak? I shall finance, I will take finance, I will lint to grow uh business beta, keep a ma good, we'll shut out ash and business beta.

نموذج غرامز للتداول الفيجيتال للذهب

SPEAKER_04 31:06

To Gronzakan Hilma and Dinamin Zam, Best the Fikre Tilena Aulines Morra Wahda, Ta'ala Shteri Minala Mobile Application, wa echnah and hazin fiiji cash, le shirkata el bankil Merkazi, Autabal Bankil Merkezi, Wa wintematchufne, tistilim and limit muayan dasa bew. Fepta Dinab Dahab Mosrifil Awan, Ashano dar Fahem il consumer bete il Awil Investor Lol Client, Ta'ala tla physical location at Dartisteri, water still him, water bad kazan badaket, website, mwahda wahda ahadna baming gateway approval bank almerkazim kla bankiskendreya, tariba nahna wahadin lahadilatil maanal approval da tala ayani Fabiteli Lam Magina Namil Grams, the Grams of Huaib El Bridge bein il market, El Hai Betea, El Mahadin Samina, Ellawa, Zai Sega Ul Mahalet, we a digital transaction. Menal hit tadita il conceptana lehna banina ali grums, wa wa kilmit fegital. Alfital, alfagital trading, huwa il muadla bein l physical precious metal, we a digital tranza transactions. B dahabufodda, able lintet stilim home. A yewat, min aimake. Fee options iqtier atani a gowa l application, inshallah, or giddan hai al launch tal application ala kul uh iOS will Android, uh waha l fekra kulal dayba muwala application tutar tstahdemu, fa aywet internet, wibit invest safety. Taban, adn photro, fadaab mosnakina talaimbil website, betana ordena alil payming gateway, the sandina the rostaken lotifagid than ashrein netinwa ashreen, ashreen, teleta, mefish cloint, ishtera, men alal website and dinner magi, il makem betana la ni yigil maken, knal machembatana m. Bzo, and tigi would truth with with still hagab tack with it fa w with experience di bad the kidda bid gainel trust the ashenkida echna abl sanal ahira wachna ablontola grams more zomalap tightna bail it this elna matalang well application ba falosia and fahna at least satisfied bel robomit alpha clan till mosh, sha allah kamen dahib a word of mouth comem minal clan setaniel lechna grams beer ma good fumos from goodful emorto, ma good soday, waitawasava de kid of dewel octabil shallo inshallah.

SPEAKER_06 34:00

T uh Malishu Wahnakal Mafutfi Sweltain, the Sahoma Malinio Loli Lwa Tilwa T Balhomashra Day, Bolilo Demak Day Tin, Fahabin Siriankeda, uh Sasankul uhadioli uhdioli fnotawahda, la wahnafi hagga, ansorwehit, yehfagakitir, bassilla ansorway, metaginu, ashenicampel, monzumatid dam, lectama short serio motor setar from ush vidia uh kol hadiolipda Basama.

بناء منظومة داعمة وشراكة ستارت أب إيجيبت

SPEAKER_01 34:34

Bit takemul binig Ubadah, Yanihadonatil Amel, Musratil Amel, ma bit korructionist, moa hellosakhineat kun access to finance, our access to investment, uh we adoru no home my of them investors, we don't know how my kalim benefits in this mauva, we add the molhom ill boyins, uh yeah the molomal hotel ill edifilhomaizin.

SPEAKER_03 34:58

We could awareness because remogude. Weimkin Hamasher didn't sena canya sahara, if he had the mogud be sayed, who could be how the other liamer, but in a fee gehad kiti ragid than Moguda, Ukul Wahad be begama beamid hagamoyan. Fee America Moguda Figamiet, Fi VCs or private equity entities and so on, illehne mechagino is a n rob botel hagadima. Ashenkida recently, uh Sma startup Egypt, Mish Ashantallah, A programs Gidida. Basal Hadaf Mina is Zay Nahna Norobot in Silibit Edim services di in the egg le SMEs gain of anate. Farashenki the hoatantari startup Egypt, Echna Kulib Namilun Sharaka Masar Mammismade. Lea Alashen near Nehna Nise Ness Tib Ibanda a growth strategy mayan, webu gazin no Iruhu, Idawaru ala, il headalhakdu mina finance our investments. Ne therehuma earlier stage, that ne was some be incubators. Mechtagin access to market, and being partnerships market corporates, Alashan Yedaru Ameluda. Fataban na Yani, I think in Nehle Mechtegin Namelu, who is Nebata Nehna Natan Fis, Natan F in terms of uh development, the work yani, le in denia open octa biktier. When incha ninsem in the mechnaba shiral kaleme lehba lia da womba or nbusala is then hotina fedemba. We really need to work together, I shall never nehna nudif, hotwa kbir, ukulu ehad me nesil mo guda, you should fize nohowa, you bandu better access to finance, yeah there nohowa uh y has in digital transformation, you bando growth strategy, yela ilumentary istagan ma, fajin is tall ma bad after uh anamukhtana bagaged done, no double tamilo start up Egypt, nhowa law kalim shakl tonzimi uhaikali, wadalana muqtana abi and mahtagin lobby, you mustel hazakta lobitahoal yuhtip el gehet al chokumeya, shakli meh, falo lawana nweged nozri l water heli, namumkin tokun startup Egypt nawe, ne to mustel lobikalhos, to hot el gehal mane and lahumum kitun wahdit uh uh uhatim nash lehata mejah hadisan, helo t hoteb shaklumbecher, we ilwehde helo t hotba lagnel was a real mane brept till amid.

SPEAKER_06 37:47

Feyba da one line kedab mikalum fee.

SPEAKER_03 37:50

Busu any Howef Bas Mishaso any elegal assess lazinish ilhukuma robbene kumfon, and do whom messul yet at the kidder. Wantum shekel at the kidd of Kawanin Bit Hubba, yes. And shagalal ordnom, do our nestal ordem hagem shadina mina tuna hold up a second. It was here be ruled with him in the sylf sachalin and hot to idene if it didn't bother in Mogudina no she will in semantial ferrag and do our isn't he feed ugbert, and top to kellamala ham serien territory mea, minukasodma, be atemed a SMEs who startups. Is they ba and hell ham sarhine territeny, to there rockham ugber big tea rush and tehu percentage out turn child.

SPEAKER_05 38:40

So amen, chef in this ladder, demag of gay, wise at his massacre. Ubataman, fellos in Moldua Hallos, Mahadish Bara of your Solina, willow had the hadrack on a telephone callos. I's uh equity, our smell, it faded, doctor Ibita, who do sa. That many ticket habrog. I is techutamwe, lessen to name teleta. I is the name technologia, or I stuk as a technology, and what dickliness day, bordulegileta aila, wabester a la nota, echna mishbinekut hager, echna rear hai defaded rep. Anabadol cooliness, cortoba, anda wageta no ordo, Ashantisma, Yeriton Domul start of Egypt, Lawanduko of Kar Helwa, Wahnemult Ezimin, Mamuta Hidin, and Side in the Squilla. Well a fikre, oh my fish to had dead felicimes. Kula Hagabit now good. Besahwa, it is Timsi ala trapusa, awahi a rushit on Mosbut. Shockum Fedi.

SPEAKER_04 41:29

So Anam Stolaikum Arba Not Lukulinessel Adam and Wogged Notherum Nugget Nother had Shagel Al Or, I will haga Lukulinessel T Shtagal Fil Philismia Startups or Izebni, L project of Shagel Fishirke, and a Bennis Bailey hot Arba Mabede Asaseya Dul Lesem Kulina Nishtagalbi. I will haggle bandina Mabede Wahle, Ashun Da Ipteda Yuruh Minina Bishaklibi, Fil S, Atla Badekida, Allah Il Team, Lesmi Kulishirk, Fia team, Dahem Mahagel Del Enjun Del Nesel Tibni Shirk, Dul Shurokal Rosingo Shirk, Faul Hagelne Bandina Ehle Mabede, Tani Hagelna, Narov Nktor team Linudar Nhofazali, Dor Yibni Main, Hagatelta, Nutlabor Shwaya, Ilkulishirk, Dort Tamil Partnerships, Ma'ai Shariket Tanya, Debbie Dia Solid Ala Ordu T Aqua, U Tamil Shorokot Octor, Wet Stafabhrot Octor, Will Business Hagre, Bishekla Ogbur, El Hagar Robah, Utur, Tonzemeo, Tashraya, Elfmas Ehne, and Dina Utur Tonzemeo Tshaya, Kitir, Up to Ghaier, Wupt Update Kulishwaya, Willisamehtag Mruna, Octor, Woktor, Falezim Ehfsinafish, Nibzakrin Kwais Awi, Ashamch Hagak Kwaisa Awibafia hit the boys, Nilbis Fahit. Faumadulla Lorba no atalena diaman bata maybe.

خلاصة الاحتياجات الأربع ورسالة الختام

SPEAKER_02 42:58

So Aknemen jihadna kamaster card, Ahnan sa'd alahadi transformation l'yom, ahnashafina for digital part. Today l SME arfin ilom il exactly needs, and addressed through Matalan al-Banking Solution, Al-Fentex, our partners, our technology partners, AI modeling. Fahadi kullah alyom covered, al SME Biraqiz ala arba hajat asasiya, how to pay kif yitfa, how to get paid, and uh they need access l financing, go digital. At digital ashani yitwasa, ashani ikbar, ashan to grow revenue, u yikun and do more visibility, uh ala al expenses taba. Ahn ginafi uh more solution, more added value services, where we offer metalan expense management solution, business insights. So l SME yikdar uh business, so kulma kabar al business yani ehn al message tabar naf nihaya and no ana mal SME, kbar kulma kabar al SME, kabar revenue bimana and kabar echtasad masr. Fa inshaAllah any uh going towards Hadil era anajidda mutafa elema Zumala Wal Ashia Alifnah Halyom Adima, Sawa and can it's uh min government support or min technology uh company, international company. We are all with you. Good luck, all of you.