أثر المعوقات التي تواجه المصارف الإسلامية في قدرتها على منح التمويل (دراسة تطبيقية على المصرف الإسلامي فرع الجميل)

Abstract

This study aimed to identify financing trends in the Libyan Islamic banking sector. To achieve its objectives, a descriptive analytical approach was used.

The questionnaire was used as the main tool for collecting data and information related to the study topic. The obtained data was analyzed using the statistical program (SPSS) to reach more accurate and objective results.

The study community consisted of a simple random sample of employees at the Libyan Islamic Bank, Al-Jamil branch, where (30) questionnaires were distributed, which is equal to the research sample, and (28) valid questionnaires were retrieved for statistical analysis, at a rate of (93%) of the distributed questionnaires.

The study reached several conclusions, the most important of which is that the organizational structure of Islamic banks has a significant impact on the levels of financing granted, and that risk management has a strong and positive impact on financing granted.

Among the most important recommendations of the study: reviewing and developing the organizational structure of the bank branch to enhance its efficiency in granting financing.