الصعوبات التي تواجه التمويل بالمشاركة في المصارف الإسلامية الليبية (دراسة ميدانية على المصرف الإسلامي الليبي)

Abstract

This study aims to identify the difficulties facing participatory financing in Libyan Islamic banks. It seeks to answer the following main question: What are the difficulties facing participatory financing in Libyan Islamic banks?

The researcher adopted a descriptive-analytical approach in conducting the study. A questionnaire was used as the data collection tool to achieve the study's objectives. One hundred (100) questionnaires were distributed to the study sample, and ninety (90) were returned. After review and verification, five (5) questionnaires were excluded, leaving eighty-five (85) questionnaires for analysis. The study data were processed using the Statistical Package for the Social Sciences (SPSS). The study reached several conclusions, the most important of which was the existence of a statistically significant effect (α ≤ 0.05) of investment and financial difficulties in the application of participatory financing in Islamic banks. This indicates that these difficulties significantly impact the effectiveness of using this financing method. In light of these key findings, the study recommends: Strengthening interest in participatory financing by developing its implementation mechanisms within Libyan Islamic banks. This will contribute to enhancing their role as financial intermediaries that achieve a balance between the interests of the bank and its clients and increase the efficiency of financial resource allocation.