العوامل المؤثرة في تمويل المشروعات الصغيرة و المتوسطة من وجهة نظر المصارف التجارية

الملخص EN

The study aimed to know the factors affecting the financing of small and medium enterprises, from the point of view of Libyan commercial banks, and for the purpose of achieving this goal, the descriptive approach was followed.

The study concluded that there is a statistically significant impact of factors related to the guarantees provided by small and medium enterprises to the bank, and factors related to the regulatory and legal procedures of the banking sector, as well as factors related to data and information provided by small and medium enterprises to the bank, on making the decision to grant financing, and based on Based on these results, the study presented a number of recommendations, the most important of which was the need to pay more attention to small and medium enterprises by banks, develop financing mechanisms, and work to provide an enabling and supportive environment for these projects to help them develop and grow.