مجلة دراسات الإنسان و المجتمع

This study aimed to shed light on the reality of small and medium enterprises and their financing methods, and to identify the most important obstacles to financing small and medium enterprises from banks and financial institutions, as well as to identify the role played by banking institutions in financing projects in the Libyan economy. This study is applied in the city of Misurata on a random sample of employees in banks with entrepreneurs, so that the researcher can identify the most important reasons obstructing banks in financing small and medium projects and the most important opportunities offered by banks to finance small and medium projects, and the study concluded that: The complexity and multiplicity of procedures for obtaining loans makes many Small business owners are reluctant to borrow, as well as the high cost of financing compared to the rate of return on the project, in addition to the fact that loans granted to small and medium enterprises are often insufficient, and most banks do not want to provide the necessary financing for small and medium enterprises due to the high degree of risk, despite Some banks attempt to provide facilities for administrative and financial procedures to bring in raw materials and project requirements, as well as to secure banking services with ease. Keywords: banks, finance, small and medium enterprises, development economy. 1- المقدمة :