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The Analysis of Financial Banks in Libya and Their Role in Providing Liquidity

Journal of Economic Education · Vol. 10 No. 1 (2021) · hlm. 1–13

DOI
10.15294/jeec.v9i2.40553
ISSN
2301-7341
Terbit
2021-06-07
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

A commercial bank is a type of financial institution that accepts deposits, offers checking account services, makes various loans, and offers basic financial products like certificates of deposit (CD) and savings accounts to individuals and small businesses. Liquidity is the ability of banks to meet their debt obligations, can repay all depositors, and can meet credit requests submitted by debtors without a deferment. This shows that there are several factors and indicators that affect liquidity in banks in libya such as ROA, ROE, NPL, CAR and Bank Size. By analyzing commercial banks, it will be known the factors that most influence their liquidity. The aim of this research is to the analysis of financial banks in libya and their role in providing liquidity. This research will used quantitative research. Data collection method in this research is documentation with secondary data since year 2012-2019. The hypothesis test in this study is done by using Panel Regression analysis and ANOVA. Analysis results analysis of financial banks in libya and their role in providing liquidity is showed analysis compare common effect models with fixed effect models also Lagrange Multiplier Test the best estimation method is the Common Effect. R Square (R2) value is equal to 0.917. The magnitude of the R Square determination coefficient number is 0.917 or equal to 91.7%. This number means that the ROA, ROE, NPL, CAR, and SIZE variables together to influence the Providing Liquidity variables. While the remaining (100%-91.7% = 8.3%) are influenced by other variables outside this regression equation or variables not examined. The F test is 0.000, because sig. 0.000 < 0.05, then the basis of the providing liquidiy in the F test can be concluded that ROA, ROE, NPL, CAR, and SIZE have an effect on commercial bank in Libya, which means significant. Thus, the R coefficient value in the multiple linear regression analysis has been fulfilled. Based on the analysis data, the result showed that there analysis of financial banks in libya and their role in providing liquidity and influenced by other variables outside this regression equation or variables not examined. Suggestions for future research is to add another variables that analysis of financial commercial banks.

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  • State University of Semarang
  • Universitas Gadjah Mada
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Rusdarti RusdartiAfiliasi tidak diketahui5
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Amin PujiatiAfiliasi tidak diketahui2
Shanty OktaviliaAfiliasi tidak diketahui1
Dwi Tri Mega RahayuAfiliasi tidak diketahui1
Sucihatiningsih Dian Wisika PrajantiState University of Semarang1
Dini Mellinda KrisnawatiAfiliasi tidak diketahui1
Ahmad Syahrul FauziAfiliasi tidak diketahui1
Luthfi Ibnu TsaniAfiliasi tidak diketahui1
Rasyad Nu'manAfiliasi tidak diketahui1
Duyu FurohmahAfiliasi tidak diketahui1
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Muhammad KhafidAfiliasi tidak diketahui1
Raras Sukma PertiwiAfiliasi tidak diketahui1
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Arief YuliantoState University of Semarang1
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Wahyono WahyonoUniversitas Gadjah Mada1
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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/jeec/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc)
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	<dc:title xml:lang="en-US">The Analysis of Financial Banks in Libya and Their Role in Providing Liquidity</dc:title>
	<dc:creator>Saeeid Mohammad, Sami</dc:creator>
	<dc:creator>Dian Wisika Prajanti, Sucihatiningsih</dc:creator>
	<dc:creator>Setyadharma, Andryan</dc:creator>
	<dc:description xml:lang="en-US">A commercial bank is a type of financial institution that accepts deposits, offers checking account services, makes various loans, and offers basic financial products like certificates of deposit (CD) and savings accounts to individuals and small businesses. Liquidity is the ability of banks to meet their debt obligations, can repay all depositors, and can meet credit requests submitted by debtors without a deferment. This shows that there are several factors and indicators that affect liquidity in banks in libya such as ROA, ROE, NPL, CAR and Bank Size. By analyzing commercial banks, it will be known the factors that most influence their liquidity. The aim of this research is to the analysis of financial banks in libya and their role in providing liquidity. This research will used quantitative research.&amp;nbsp; Data collection method in this research is documentation with secondary data since year 2012-2019. The hypothesis test in this study is done by using Panel Regression analysis and ANOVA. Analysis results analysis of financial banks in libya and their role in providing liquidity is showed analysis compare common effect models with fixed effect models also Lagrange Multiplier Test the best estimation method is the Common Effect. R Square (R2) value is equal to 0.917. The magnitude of the R Square determination coefficient number is 0.917 or equal to 91.7%. This number means that the ROA, ROE, NPL, CAR, and SIZE variables together to influence the Providing Liquidity variables. While the remaining (100%-91.7% = 8.3%) are influenced by other variables outside this regression equation or variables not examined. The F test is 0.000, because sig. 0.000 &amp;lt; 0.05, then the basis of the providing liquidiy in the F test can be concluded that ROA, ROE, NPL, CAR, and SIZE have an effect on commercial bank in Libya, which means significant. Thus, the R coefficient value in the multiple linear regression analysis has been fulfilled. Based on the analysis data, the result showed that there analysis of financial banks in libya and their role in providing liquidity and influenced by other variables outside this regression equation or variables not examined. Suggestions for future research is to add another variables that analysis of financial commercial banks.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2021-06-07</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/sju/jeec/article/view/40553</dc:identifier>
	<dc:identifier>10.15294/jeec.v9i2.40553</dc:identifier>
	<dc:source xml:lang="en-US">Journal of Economic Education; Vol 10 No 1 (2021): June 2021; 1-13</dc:source>
	<dc:source>2301-7341</dc:source>
	<dc:source>10.15294/jeec.v10i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/sju/jeec/article/view/40553/16794</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2021 Journal of Economic Education</dc:rights>
</oai_dc:dc>