أثر معوقات التمويل على الأداء الإقتصادي للمشروعات الصغيرة والمتوسطة في ليبيا من وجهة نظر النوافذ الإسلامية للمصارف التجارية

” دراسة تطبيقية على العاملين بالنوافذ الإسلامية بالمصارف التجارية في مدينتي زليتن والخمس “

Abstract

Mini abs medium projects are among the main elements in achieving economical and social development in all countries of the world since it possesses the highest percentage among all types of economical projects. The study has aimed to spotlight the logistical barriers that may face mini and medium projects in Libya which may hinder its growth and development as well as addressing the financial difficulties that may face financial institutions in supplying the sector of mini and medium projects. The article has followed the descriptive analytical methodology. The population of the study was the employees (160) of commercial banks in the cities of Alkhoms and Zletin in Sahara and Algomohrya Banks. Questionnaires were distributed on a certain sample consisted of 28 employees in Islamic windows in the above mentioned banks. 23 employees have responded, with a response percentage of 82%. The statistical program of data analysis SPSS has been used. The study has reached to the following results, most important of

which are:

• There are barriers in Islamic windows prevent its supply of mini and medium projects most important of which are lack of qualified and trained employees in the field of Islamic supply to deal with mini and medium projects.
• There is an effect of statistical significance at the level 0.05 for the logistical barriers on the economical performance of mini and medium projects.