أثر التمويل و المصارف الإسلامية في نجاح المشروعات الصغرى والمتوسطة في ليبيا

Abstract

The Effect of financing Islamic banks in the success of small and medium enterprises in Libya (An economic study on the branches of Islamic banking in the upper management of the National Commercial Bank, and the main unit bank, in the cities of Al-Bayda and Benghazi) This study aims to present the best investment methods in Islamic banks in the Libyan small and medium enterprises, by studying the most important Islamic financial tools, which can be used in financing high-quality economic development projects, in order to achieve raising the level of citizen's income, and raising the level of (GDP) in Libya And in order to address the problem of unemployment among young Libyans, and to address the problem of inflation, represented by the low purchasing power in the Libyan society, to cause the high prices, the lack of liquidity in the banks, and the accumulation of goods, because the economic development plans in Libya have faltered during the past years and now, and made them plague the Libyan economy that weakened the ability to achieve advanced economic development and achieve a strong economy that has the ability to face crises on the one hand, and on the other hand the importance and successes of the role of applying Islamic banking financing methods in supporting the national economy, which focus on financing economic development projects, which have An active role in providing the necessary local financial resources; To increase the rate of economic growth in its projects, and to support the strong economic stability, which we are trying to present in this study, through the employees of the Islamic banking department in the Supreme Administration Office of the main National Commercial Bank in Al-Bayda city, who are (55) employees and employees, as well as the employees of the Islamic banking department in the Diwan The senior management at AlWahda Bank in the city of Benghazi, and their number was (49) male and female employees, as the total study population was (104) male and female employees, and the study sample was determined according to (Morgan 1970) table with (75) respondents, and the data analysis was used to solve the sample codes. By measuring the relative weight, the arithmetic mean, and the standard deviation, as well as the analysis by measuring the correlation relationship, to measure the impact of Islamic banking finance on the variables in the implementation of small and medium enterprises, also the (five-point Likert) measure was used to interpret the paragraphs of the questionnaire, and the analysis by the Statistics Program (Spss20). The study concluded: The need for Libyan banks to adhere to the rules and banking controls with Islamic banking finance, and to raise the level of spending on financing small and medium enterprises, in order to support the Libyan local economy; To address the problem of inflation and unemployment, and increase the level of GDP, to eliminate unemployment, or monopoly