أثر تطبيق قانون منع المعاملات الربوية على الأداء المالي للمصارف التجارية الليبية الخاصة - دراسة حالة مصرف التجارة والتنمية خلال الفترة 2009-2017

منى حسن اسميو; الصادق حسين غيث

doi:10.54172/ccpcpb60

Authors

Muna Hassan Asmew Finance and Banking Department - Faculty of Graduate Studies - Al-Marqab University Author
Al-Sadeq Hussein Ghaith Department of Finance and Banking - Faculty of Economics and Commerce - Al-Marqab University Author

DOI:

https://doi.org/10.54172/ccpcpb60

Keywords:

Financial Performance, Bank of Commerce & Development, Law No. 1 of 2013 (Prevention of Interest Transactions Law), CAMEL Model

Abstract

The aim of the research is to study the subject of the financial performance of the Bank of Commerce and Development, under Law No. 1 of 2013, which is concerned with the prevention of usurious interests, and to examine whether this bank maintained its financial performance during the two periods (before, after) the application, which was divided into the period from (2009-2013), and the period following it (2014-2017), in addition to researching the impact of this law on financial performance, which was measured through the Banking Safety Model (CAMELS), in addition to financial analysis; It was based on the eta-square test (η²), which measures the magnitude of the effect of a law. The results revealed that there were no statistically significant differences for (capital adequacy, profitability, liquidity) before and after the application of the usurious transactions prevention law. As for the asset quality index; There were statistically significant differences before and after the application of the law. As for the effect; The tests revealed a positive impact on (the ratio of total revenues to total expenses, liquidity index), and negatively on the indicators (capital adequacy, asset quality, profitability), in addition to the impact on the growth rate of the financial position, and this at a time when it achieved The bank has a rating of (2) according to the CAMEL model.

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