Khalid Abdesamed - Academia.edu (original) (raw)
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Papers by Khalid Abdesamed
World Academy of Science, Engineering and Technology, International Journal of Social, Behavioral, Educational, Economic, Business and Industrial Engineering, 2012
The purpose of this paper is to examine the financing practices of SMEs in Libya in two different... more The purpose of this paper is to examine the financing practices of SMEs in Libya in two different phases of business life cycle: start-up and matured stages. Moreover, SMEs’ accessing bank loan issues is also identified. The study was conducted by taking into account the aspect of demand. The findings are based on a sample of 76 SMEs in Libya through the adoption of questionnaires. The results have pinpointed several thingsevidently, SMEs use informal financing sources which prefer personal savings; SME owners are willing to apply for bank loan, that the most pressing problem has been identified, not to apply bank loan is loan with interest (religion factor). Keywords—SMEs, Formal Finance (loan from bank), Informal Finance, Loan with interest (religion factor), Libya.
Economic development and growth are significantly linked to the consistent and sustainable sector... more Economic development and growth are significantly linked to the consistent and sustainable sector of small and medium enterprises (SMEs). As a country that is trying to realize its dream after the 2011 Revolution, Libya is seeking to diversify its industry-based sector in order to reduce its over-dependence on the volatile oil sector. To achieve this goal, the Libyan government launched the National Program for the Development of Small and Medium Enterprises in 2008 to frame policies and programs in cultivating Libyan SMEs. However, the access to funds for the development and sustainability of SMEs has become a major predicament in many developing countries, including Libya. Banks are the frontrunners in financing and advising SMEs. The main question of this research is, “Which of the SMEs can apply for and can access bank loans?” Four theories, namely; human capital, firm, business strategy, and information asymmetry, constitute the study’s theoretical framework. The three main obj...
Economic development and growth are significantly linked to the consistent and sustainable sector... more Economic development and growth are significantly linked to the consistent and sustainable sector of small and medium enterprises (SMEs). Banks are the frontrunners in financing and advising SMEs. The main objective of the study is to assess the tendency of SMEs to use the Islamic bank. Model was developed using quantitative method with a hypothetical-deductive testing approach. Model (N = 364) used primary data on the tendency of SMEs to use Islamic banks gathered from questionnaire. It is found by Mann-Whitney test that the tendency to use Islamic bank varies between those firms which consider formal financing with the ones relying on informal financing with the latter tends more to use Islamic bank. This study can serve academic researchers, policy makers, and developing countries as a model of SMEs’ desirability to Islamic banking. Keywords—Formal financing, informal financing, Islamic bank, SMEs.
The financing of small and medium enterprises (SMEs) has been a topic of great interest among bot... more The financing of small and medium enterprises (SMEs) has been a topic of great interest among both policy-makers and researchers because of the growing importance of SMEs in the economic development around the world. There is also sizeable evidence that SMEs face large growth constraints and have less access to formal sources of external finance such as bank loans, which potentially explains the lack of SMEs' contribution to economic growth. Thus, to understand SMEs' startup financing, we rely on the human capital of owner-manager and SMEs' business strategy to investigate how human capital and business strategy influence SME startup with bank loans. Using survey data based on 76 SMEs in Tripoli and Sabha, the logit model is employed to examine the hypothesized factors. The results show that business plan and owner-manager experiences do influence SMEs' startup bank loan in Libya.
هدفت الدراسة للوصول إلى واقع ومعوقات تعليم ريادة الأعمال والمشروعات الصغرى في جامعة سبها حيث كان... more هدفت الدراسة للوصول إلى واقع ومعوقات تعليم ريادة الأعمال والمشروعات الصغرى في جامعة سبها حيث كانت عينة الدراسة من أعضاء هيئة التدريس بجامعة سبها واعتمدت الدراسة على الاستبانة الالكترونية لجمع البيانات الأولية وتم استخدام التحليل الوصفي لتحليل البيانات وكانت أهم النتائج ان الجامعة تفتقر إلى برامج تعليمية وكذلك مقررات ومفردات لتعليم ريادة الأعمال ومن أهم المعوقات لتعليم ريادة الأعمال قلة الكوادر البشرية والمادية وأوصت الدراسة بضرورة تبني وصياغة إستراتيجية تتضمن الأهداف والسياسات والإجراءات والخطط التنفيذية لتفعيل تدريس ريادة الأعمال بالجامعات الليبية و اعتماد مقررات لتعليم ريادة الأعمال بأقسام الكليات.
African Journal of Business Management, Sep 14, 2014
The main focus of this paper is to answer the question, 'what are the factors that determine a SM... more The main focus of this paper is to answer the question, 'what are the factors that determine a SME to apply for a bank loan?' Four elements namely human capital, firm, business strategy and information asymmetry underlie this study's theoretical framework. The main objective of the paper is to develop a bank loan model based on applicability. The model was developed using quantitative method coupled with a hypothetical-deductive testing approach, applied on primary data on loan applications gathered from the questionnaires. The logistic regression tests indicate that the business experience of a firm's owner does not have a significant relation with the firm's tendency to apply for a bank loan. The educational background of the firm's owner, the firm's size, collaterals and loans with interest were found to be negatively related to its tendency to apply for bank loans. However, the firm's business plans and start-up relationship with bankers were found to be positively related to the firm's applying bank loans.
World Academy of Science, Engineering and Technology, International Journal of Social, Behavioral, Educational, Economic, Business and Industrial Engineering, 2012
The purpose of this paper is to examine the financing practices of SMEs in Libya in two different... more The purpose of this paper is to examine the financing practices of SMEs in Libya in two different phases of business life cycle: start-up and matured stages. Moreover, SMEs’ accessing bank loan issues is also identified. The study was conducted by taking into account the aspect of demand. The findings are based on a sample of 76 SMEs in Libya through the adoption of questionnaires. The results have pinpointed several thingsevidently, SMEs use informal financing sources which prefer personal savings; SME owners are willing to apply for bank loan, that the most pressing problem has been identified, not to apply bank loan is loan with interest (religion factor). Keywords—SMEs, Formal Finance (loan from bank), Informal Finance, Loan with interest (religion factor), Libya.
Economic development and growth are significantly linked to the consistent and sustainable sector... more Economic development and growth are significantly linked to the consistent and sustainable sector of small and medium enterprises (SMEs). As a country that is trying to realize its dream after the 2011 Revolution, Libya is seeking to diversify its industry-based sector in order to reduce its over-dependence on the volatile oil sector. To achieve this goal, the Libyan government launched the National Program for the Development of Small and Medium Enterprises in 2008 to frame policies and programs in cultivating Libyan SMEs. However, the access to funds for the development and sustainability of SMEs has become a major predicament in many developing countries, including Libya. Banks are the frontrunners in financing and advising SMEs. The main question of this research is, “Which of the SMEs can apply for and can access bank loans?” Four theories, namely; human capital, firm, business strategy, and information asymmetry, constitute the study’s theoretical framework. The three main obj...
Economic development and growth are significantly linked to the consistent and sustainable sector... more Economic development and growth are significantly linked to the consistent and sustainable sector of small and medium enterprises (SMEs). Banks are the frontrunners in financing and advising SMEs. The main objective of the study is to assess the tendency of SMEs to use the Islamic bank. Model was developed using quantitative method with a hypothetical-deductive testing approach. Model (N = 364) used primary data on the tendency of SMEs to use Islamic banks gathered from questionnaire. It is found by Mann-Whitney test that the tendency to use Islamic bank varies between those firms which consider formal financing with the ones relying on informal financing with the latter tends more to use Islamic bank. This study can serve academic researchers, policy makers, and developing countries as a model of SMEs’ desirability to Islamic banking. Keywords—Formal financing, informal financing, Islamic bank, SMEs.
The financing of small and medium enterprises (SMEs) has been a topic of great interest among bot... more The financing of small and medium enterprises (SMEs) has been a topic of great interest among both policy-makers and researchers because of the growing importance of SMEs in the economic development around the world. There is also sizeable evidence that SMEs face large growth constraints and have less access to formal sources of external finance such as bank loans, which potentially explains the lack of SMEs' contribution to economic growth. Thus, to understand SMEs' startup financing, we rely on the human capital of owner-manager and SMEs' business strategy to investigate how human capital and business strategy influence SME startup with bank loans. Using survey data based on 76 SMEs in Tripoli and Sabha, the logit model is employed to examine the hypothesized factors. The results show that business plan and owner-manager experiences do influence SMEs' startup bank loan in Libya.
هدفت الدراسة للوصول إلى واقع ومعوقات تعليم ريادة الأعمال والمشروعات الصغرى في جامعة سبها حيث كان... more هدفت الدراسة للوصول إلى واقع ومعوقات تعليم ريادة الأعمال والمشروعات الصغرى في جامعة سبها حيث كانت عينة الدراسة من أعضاء هيئة التدريس بجامعة سبها واعتمدت الدراسة على الاستبانة الالكترونية لجمع البيانات الأولية وتم استخدام التحليل الوصفي لتحليل البيانات وكانت أهم النتائج ان الجامعة تفتقر إلى برامج تعليمية وكذلك مقررات ومفردات لتعليم ريادة الأعمال ومن أهم المعوقات لتعليم ريادة الأعمال قلة الكوادر البشرية والمادية وأوصت الدراسة بضرورة تبني وصياغة إستراتيجية تتضمن الأهداف والسياسات والإجراءات والخطط التنفيذية لتفعيل تدريس ريادة الأعمال بالجامعات الليبية و اعتماد مقررات لتعليم ريادة الأعمال بأقسام الكليات.
African Journal of Business Management, Sep 14, 2014
The main focus of this paper is to answer the question, 'what are the factors that determine a SM... more The main focus of this paper is to answer the question, 'what are the factors that determine a SME to apply for a bank loan?' Four elements namely human capital, firm, business strategy and information asymmetry underlie this study's theoretical framework. The main objective of the paper is to develop a bank loan model based on applicability. The model was developed using quantitative method coupled with a hypothetical-deductive testing approach, applied on primary data on loan applications gathered from the questionnaires. The logistic regression tests indicate that the business experience of a firm's owner does not have a significant relation with the firm's tendency to apply for a bank loan. The educational background of the firm's owner, the firm's size, collaterals and loans with interest were found to be negatively related to its tendency to apply for bank loans. However, the firm's business plans and start-up relationship with bankers were found to be positively related to the firm's applying bank loans.