| dc.description.abstract | The agricultural financing process is an important
element in helping to increase the level of agriculture, increase
the production of agricultural commodities and meet the food
needs of the population, as it has an effective impact on the
social and economic development of farmers. Agricultural
finance is also one of several factors that play a role in
advancing complex agricultural production.
As mentioned earlier studies of agricultural finance,
there are problems in agricultural finance in Libya. Among these
problems is the lack of agricultural funding and the absence of
follow-up and supervision from the Agricultural Bank on the
agricultural loans granted and how to exploit them in all
agricultural activities, as well as the lack of funding policies of
the Agricultural Bank to improve the efficiency of agricultural
loans to achieve The objective of this study is to determine the
role of agricultural finance in the development of agricultural
GDP in Libya, as well as to identify the most important
problems and obstacles facing the agricultural finance system in
the area of the lawn in Mount Green, In addition to the
identification of some concepts related to agricultural finance
and the conditions of success of agricultural financing and
sources of agricultural finance, the total value of agricultural
loans granted (1.932) billion dinars and the total number of
beneficiaries of agricultural loans 147950, and as the results of
growth rates showed the time trend that the compound annual
growth rate (9.4%).
The compound annual growth rate of the total number of
beneficiaries decreased by 3.1% during the 1980-2010 period.
As for the compound annual growth rate of the total value
of fixed value agricultural loans, the annual compound growth
rate was 3.6%. During the study period, the total agricultural
loans granted by the Agricultural Al-Marj Bank amounted to
10.695 million and the total number of beneficiaries was 902
beneficiaries during the period 1979-2006. The total value of
agricultural loans amounted to (5.213) million, (49%). The
results of the study showed that the gross domestic product
(GDP) in current values increased by an average of about 7.5%,
while agricultural GDP in constant values With a CAGR of
(1.6%). The effect of the increase in agricultural GDP on GDP
in current and constant values shows that there is a positive
effect of agricultural GDP on GDP.
As shown by the field study of beneficiaries of
agricultural loans in Al-Marj area in Jabal Al-Akhdar, there are
many problems, such problems, the difficulty of borrowing
conditions, the required administrative procedures, the delay in
granting loans and the low value granted by the Agricultural
Bank, as well as the high prices of agricultural production costs,
water shortage, Agricultural employment and the absence of the
state in supporting farmers and the importation of locally
produced agricultural products from outside, which causes weak
financial revenues of farms. As for the results of the field study
of the employees of the Agricultural Bank in Al-Marj area,
among the obstacles facing them in the work and the absence of
a unified system linking the branch with the General
Administration of the Agricultural Bank, which causes the
disruption of some administrative procedures and weak financial
allocations granted to them from the public administration.
Especially for new employees as well as the difficulty of collection of loans granted by the Agricultural Bank in Al-Marg
and other problems. The study has reached a number of recommendations,
the most important of which is the provision of financial
allocations to the Agricultural Bank in Libya in general and the
Marj area in particular so that it can meet the size of loans
required for borrowers. It should be easy to obtain the loan and
solve the obstacles and problems facing farmers in agricultural
work. In the scarcity of water and the reduction of the costs of
agricultural inputs and the problems of agricultural marketing,
agricultural employment and other obstacles facing them, there
should be follow-up and control of the Agricultural Bank on
agricultural loans granted to farmers until the loan is used in its
intended purpose. | en |
