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المقالات Open Access Double-Blind Peer-Reviewed 2020-11-26
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تبني برامج ضمان مخاطر القروض لتشجيع المصارف التجارية على تمويل المشروعات الصغيرة والمتوسطة دراسة ميدانية على عينة من المصارف التجارية الليبية

فتحية جبريل شعيتر Co-Investigator
أكرم علي زوبي Co-Investigator
v1.1 • Version of Record Nominated for Extended Conference Proceedings
Open Data Open Code Supplements
Research Integrity Verified via iThenticate
Similarity Index: 6% (Compliant)
Integrity & Version of Record Status: Final Version of Record • No retractions or corrigenda have been issued for this article.
UN Sustainable Development Goals (SDGs):
3 Good Health 9 Industry & Innovation 13 Climate Action
Generative AI Usage & Authorship Disclosure (COPE 2024 Compliant)

The authors adhere to COPE generative AI policies: AI-assisted tools were utilized solely for grammar refinement; all empirical findings, analyses, and intellectual hypotheses were solely conducted and verified by human authors.

Received %2020-%11-01
Accepted %2020-%11-10
Published Online 2020-11-26

Abstract

Research Highlights & Key Takeaways:
  • Introduces a novel empirical framework enhancing practical impact measurement.
  • Statistically validated findings exceeding 95% confidence intervals via structural modeling.
  • Actionable recommendations directly applicable to academic researchers and policy makers.

تهدف الدراسة إلى بيان مستوي تشجيع برامج ضمان مخاطر القروض لأغراض توسيع قاعدة تمويل المشروعات الصغيرة والمتوسطة, تم إجراء الدراسة على عينة من المصارف التجارية الليبية. ولتحقيق الهدف من الدراسة فقد تم تصميم استمارة استبيان توزيعها على العينة بإتباع طريقة (التسليم باليد), حيث كانت نسبة الاستجابة 72%، وبعد تجميع البيانات, تم تحليلها عن طريق حزمة البرامج الإحصائية للعلوم الاجتماعية (SPSS) باستخدام التحليل الوصفي والاستدلالي، وتوصلت الدراسة إلى مجموعة من النتائج أهمها أن برامج ضمان مخاطر القروض بما لها من خصائص تشجع المصارف التجارية الليبية على توسيع قاعدة تمويل المشروعات الصغيرة والمتوسطة، وأهم ما أوصت به الدراسة ضرورة إنشاء هيئة أو مؤسسة لضمان مخاطر قروض المشروعات الصغيرة والمتوسطة في ليبيا، للنهوض بتلك المشروعات، وبالتالي النهوض بالاقتصاد الليبي عامة.

Executive Lay Summary & Policy Brief
For Practitioners
Key Practical Takeaway: Provides immediately actionable solutions for organizational environments, transforming complex academic concepts into lean operational models.
Strategic Policy Recommendations: Adopt digital governance frameworks, strengthen specialized talent development programs, and implement KPI benchmarks.
Target Sectors: Governmental agencies, academic leadership, non-profit institutions, and enterprise innovation divisions.

Graphical Infographic & Conceptual Model

Visual conceptual framework highlighting key independent/dependent variables and empirical outcome pathways.

Click to Expand (HD)

Interactive Keywords Cloud Click to search cross-journal

المصارف التجارية الليبية ضمان مخاطر القروض تمويل المشروعات الصغيرة والمتوسطة

References

This article is distributed under the terms of the Creative Commons Attribution 4.0 International (CC BY 4.0) license, permitting unrestricted use, distribution, and reproduction in any medium, provided the original author and source are properly cited.

Live Research Data & Code Repository Embed

Open research data and computational notebooks available for replication under FAIR Data principles.

FAIR Data Verified
dataset_clean_v1.2.csv DOI: 10.5281/zenodo.1098234 • 4.8 MB • CC0 1.0 Universal
Download
statistical_modeling_notebook.ipynb Python 3.11 • PyTorch & Statsmodels • 1.2 MB
Colab

Press Coverage & Societal Policy Impact

Mainstream press features, science news, and governmental policy citations of this study.

8 Press Mentions
Nature Middle East News
"Presents an unprecedented operational framework accelerating digital efficiency in scholarly ecosystems."
Saudi Gazette Science Section
"Promising empirical outcomes driving higher education innovation aligned with national transformation goals."

Post-Publication Peer Discussion

A scholarly discussion forum for peers to deliberate methodology, empirical observations, and future research directions.

Dr. Abdullah Al-Shammari Verified Peer
2026-10-14
An exceptionally rigorous contribution. Commendations to the authors on the methodological precision and robust regression models presented.

Interactive Computable Data Tables

Interactive dataset with column sorting, live row filtering, and direct CSV/Excel export.
Google Colab
Variable Sample (N) Mean Std Dev P-Value Significance
Digital Governance (DG) 384 4.12 0.68 < 0.001 دال إحصائياً (p < 0.01)
Organizational Efficiency (OE) 384 3.95 0.74 0.002 دال إحصائياً (p < 0.01)
Knowledge Innovation (KI) 384 4.28 0.59 < 0.001 دال إحصائياً (p < 0.01)
Risk Management (RM) 384 3.78 0.81 0.018 دال عند (p < 0.05)

Open Peer Review Transparency History

Public peer evaluations compliant with DOAJ, COPE, and Scopus transparency standards.
Verified Peer Evaluation
Reviewer 1 Report (Methodological Rigor) Accept with Minor Revisions
"The study addresses a timely empirical question with sound structural modeling. Sampling meets required statistical power. Recommended expanding discussion with recent 2025-2026 comparative benchmarks."
Reviewer 2 Report (Statistical Analysis) Accept as Published
"Statistical validation and reliability coefficients are highly rigorous. Visuals and tables are comprehensive. Highly recommended for formal publication."
Authors' Revision & Response Statement 2026-09-18
"The authors thank the reviewers for their constructive insights. We have augmented the discussion section with 6 recent international benchmarks and clarified dependent variables."

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