معوقات إقراض المشروعات الصغيرة والمتوسطة في ليبيا: دراسة ميدانية على المشروعات الصغيرة والمتوسطة في بلدية سرت

Abstract EN

This study aims to analyze the obstacles to financing SMEs from commercial banks in Libya, where the study used the descriptive analytical approach by designing a questionnaire distributed to a sample of 112 SMEs in the municipality of Sirte.

the study concluded that there are obstacles that prevent SMEs from obtaining loans from commercial banks in Libya, which are: these banks deal with interest that is forbidden by sharia, in addition to the high cost of obtaining loans, which limits the project’s ability to obtaining other financing, and the lack of special programs in commercial banks to provide loans to SMEs that take into account the nature of SMEs, in addition the imposition of fines on projects when loan installments are late, and the lack of transparency when granting loans, moreover, loans are not suitable for the SMEs needs in terms of duration or value,.

the study recommended the application of Islamic finance in Libyan commercial banks and allocating part of the bank's investment portfolio to lend to SMEs.